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!
While I recover from Christmas, I thought I would re-post this article on the high (and hidden) cost of health care. Until December 31st you can take our discount plan for a spin for only $20! Or you can try our prescription card for free. I understand that you want some level of security for your family and believe that a standard insurance plan is the only way to achieve that. I am a mother to 3 and grandmother to 3, and I know how important it is to be covered. But let’s face it, the insurance companies have pulled the wool over our eyes big time.
I calculate that in my working life I have spent anywhere from $3000 to $9000 per year on medical and dental insurance. This does not include my co-pays, which is what you pay out of pocket when you go to the doctor or dentist; as well as the amount you pay for covered prescriptions. Additionally, eye exams and prescription glasses for myself and my son are not fully covered, so that’s a yearly out of pocket of anywhere from $200 to $600 depending on whether or not we indulged in some high end designer glasses.
Not all plans cover every drug so I have at times been surprised at the pharmacy with an unexpected bill for a prescription written by my doctor. Not all procedures are covered either. My gynecologist recommended an outpatient surgical procedure the cost of which put me in debt collection because my insurance company would not cover it! The birth of my 3rd child was a C-Section, and although I had both primary and secondary insurance I still ended up with a $3000 bill for anesthesia because the insurance companies only covered 50% of the total cost.
I have a business partner who had a plan through her company that cost $160.00 every two weeks. Her dental plan required a co-pay of $25 and had a deductible of $500. That means that she needed to pay $500.00 out of pocket every year before her insurance company would pay for anything. On top of that there was a limit on what the insurance company would pay for dental procedures. She did not discover all of this until her bridge and partial needed to be replaced and the insurance company said “No” after the work was partially done.
So an individual can pay anywhere from $1000 to $10,000 per year in insurance premiums and still have to come out of pocket when major events occur?
I challenge you to look back over the course of your working life and determine how much you have paid into your insurance versus how much you have gotten out of it. If you discover that you have paid in more than you’ve gotten back, then I have to ask again “Why are you still looking for medical and dental insurance?”
I don’t want this blog to become a huge advertisement for my business, but…recognizing that at least one-third of the American population is uninsured and a percentage of the rest are underinsured
I did feel a need to at least let my readers know what we offer to alleviate these issues and about our special promotion in the month of December.
Dental, Vision, and Prescription are often offered separately from medical at an additional cost to you. Ameriplan offers a plan which includes all of these as well as chiropractic (which is often not covered by insurance at all) for only $14.95 for an individual or $19.95 for a family of up to 20 people
Discount Plans do not have any exclusions – you can be 1 or 100, healthy or sick, having your baby at home or in a hospital- no problem.
If you are on maintenance medications or are spending more than $100 per month on prescriptions our prescription Advocacy Program allows you to spend only $82 per month and receive all of your meds for FREE!
Our hospital advocacy program has helped many of our members to reduce or eliminate their medical.
If you have insurance, many of our providers will use our plan to discount your bill first and then bill the insurance company the remainder. This means less out of pocket for you.
And last but not least , you can purchase any one of our plans for only $20 until 12/31/2008
There you are short and sweet, so:
if you’ve been overdosing on aspirin because you can’t afford to go to the dentist
or haven’t had a mammogram or check-up in years
or are just tired of paying for insurance and then still having to come out of pocket for what your insurance does not cover