AmeriPlan to good to be true?

Question

On craigslist i found this website for a low cost insurance company. It says $20 per month for dental, vision, Prescription and Chiropractic services.You wouldnt have to wait it would start right away What you think?

http://www.mybenefitsplus.com/rwells

Answer 1

Be very wary of any medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes... for more information. Many other states are starting to ban these cards as well.

Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients. Ask them the cash price for a doctor visit with and without the card.

Answer 2

Too good to be true...well, yes. It is not insurance it is a discount plan only. Read the fine print, always.

Answer 3

It's not insurance.  What you're buying, is  a "discount" off service prices.  A 20% discount off of a $10,000 hospital bill still leaves you with a bill for $8,000.

Also, most providers won't honor that discount.  Call your doctor, and ask them, how much the Ameriplan discount is, if you join.

You'll see.  

"Health discount plans" are cheap, because they don't PAY anything.  Ever.  YOU pay.