providers who participate with the plan.
Discount plans are not insurance; however there are many advantages to having one.
A discount plan offers reduced prices for products and services from medical, dental, orthodontia, vision, and pharmacy providers as well as other vendors who participate with the plan. You simply pay a monthly or annual premium to take advantage of lower prices throughout the year.
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In addition to lower prices, other advantages are:
- no waiting periods on most plans
- no pre-existing condition exclusions
- no deductibles
- no limits on how many times you can use it
It is important to note that in Maryland, discounts are not allowed at hospitals.
Using a discount card is simple!
You simply present your card at the time of the service and pay the discounted fee that the participating provider has agreed to. That’s it, you’re done. Typically, there are no claim forms or any other paperwork that needs to be filled out.
A discount plan can help supplement the coverage you already have through your health insurance policy.
Even though you may have health insurance on your own or through your employer, a discount plan can still be helpful.
- There may be a doctor you want to see that does not participate in your HMO or PPO network but participates with the discount plan.
- You may need to have a procedure that is not covered by your insurance plan.
- Many discount plans include savings on other programs too, such as weight loss, hearing aids, Lasik surgery, legal services and travel.
At HealthPlan Headquarters (HPHQ), we can show you discount packages that can help you save on these services. Simply select a plan that’s right for you and get started saving today!
Come in to our HPHQ store today, contact us by phone, or complete our Individuals & Families Quote Request Form and an HPHQ Guru will contact you to discuss your situation and provide you with a quote.
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