Did you know that almost 30 million Americans don’t have health coverage?
If you or your loved one is injured in an accident or is sick for any reason, you should have the peace of mind knowing that the proper care is both available and affordable.
It’s important to know that a medical discount plan and health insurance are not the same things.
You’re probably wondering how they’re different and which one is right for you and your family.
Keep reading to learn about the differences between medical discount plans and health insurance.
Medical Discount Plans
In general, a medical discount plan will give you just that, medical discounts on products and services. This plan is something you pay for every month, like a gym membership.
It’s important to know that you don’t get discounts on anything you want. Rather, the plan you choose would come with a list of specific providers and those providers will be the only ones who can offer you discounts on their products and services.
It’s also crucial to keep in mind that discount plans don’t pay any of your healthcare costs.
While legitimate discount plans do exist, there are plenty of scammers who will take your money and give you little to nothing in return. Scammers will usually try to sell their ‘discount plan’ as an insurance plan. To avoid being a victim, you should always do as much research as you possibly can.
Health Insurance
Unlike a medical discount plan, when you purchase health insurance you can definitely expect to have a small or large portion of your healthcare costs covered. You can expect the insurance provider to either pay you directly or pay your health care provider.
Of course, there are many different kinds of health insurance plans out there, so it’s always great to receive some guidance when trying to decide what’s right for you.
For example, there’s individual health insurance but if you have loved ones to take care of too, then you’ll need to get family health insurance.
It can get a little complicated but when you talk with a health insurance broker, they’ll be able to assess your needs and offer you a health insurance plan that’s right for you. You might even be able to get health insurance discounts.
Ready to Decide Between a Medical Discount Plan and Health Insurance?
Now that you know all about the differences between a medical discount plan and health insurance, you can get the coverage you and your family needs. That way, you know that you’re protected in case of an accident or illness.
FutureWise Insurance is your go-to source for finding the perfect health insurance plans. From health insurance and life insurance to disability and dental, we can provide you with all the coverage you’ll ever need at an affordable price.
Our team of knowledgeable experts is dedicated to making the process as simple as possible.
If you have any questions about our high-quality services, feel free to contact us. We’re always happy to help.