My family and I have been using the Ameriplan Discount Plans since my COBRA ran out in 2007. Sure I have a job and could get my benefits through them, it’s only $350 per month for medical , a small additional for dental, with a 40% copay. I thought long and hard two years in a row and both times decided not to opt in. This year I chose to add an HSA to complement my Ameriplan Discount Benefits Plan – now I can got to a plan provider, pay a discounted rate, and get reimbursed via pre-tax dollars.
Here are just a few of the ways in which my family has benefited from a discount plan
- Our plan covers anyone and everyone. My grown kids have been able to use it during periods of unemployment or underemployment when they didn’t have a plan of their own. There are no restrictions on who is covered – grandkids, friends, uncles, aunts, cousins, daughter’s fiance – they can all use the plan.
- We don’t have to pay a lot in order to get a lot. Let’s do the math -there are 4 of us, we pay $30 per month($360), a doctor or dentist visit runs about $40 per person($320), so in a normal year we spend about $700. Contrast that with $4200 per year which is what my company health insurance costs without dental or copays!
- We have a hospital advocacy group. One of the greatest fears that people have is the fear of being hospitalized and being bankrupted by the high costs. And trust me, regardless of what you have heard recently, the costs are extremely high. When my husband was hospitalized, his overnight stay ran well over $20,000. Once I recovered from the shock of it all I faxed my bills over to our advocacy group and they handled everything from there. Our final cost was somewhere around $9500 (with monthly payments!). Who advocates for you when your insurance company denies a claim?
- There are some tax benefits to having a discount plan also (because it isn’t employer sponsored). I don’t want to lead you astray so be sure to ask your tax advisor.
Right now Ameriplan is offering all of their plans for 50% off to join and 50% off for your entire first year. That means that for $19.98 per month you can get medical, dental, prescription, vision and chiropractic for your entire family. Check it out, make sure that there are providers in your area and sign up before this deal goes away!