Has anyone heard of Ameriplan health?
Iѕ thіѕ a gοοd health рlаn ѕіnсе іt іѕ a discount card?
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Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed or insured. 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/west/2006/11/22/74554.htm 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.
I asked someone about this plan and they said it was insurance even though Ameriplan claims they are not. I was curious to find out myself if doctors and dentist honor it and how it has worked out. I guess the best bet would be to contact doctors and dentists randomly and ask. Or go to 1-800-doctors or dentist and see if there is any help in that respect. But I gave up and moved on.
It is not insurance. It is a discount program and only member doctors will honor it. They can send you a list of practitioners in your area that belong to the group. Hospital services are negotiated on a case by case basis.
Quite simply…NEVER buy a discount plan. If you are uninsurable, you can check with your state DOI and see what plans are available.
Another rule of thumb…do not buy any plan with an application fee. And yes…that includes Assurant.
its excellent…….you can go to http://www.mybenefitsplus.com/lgraham and click on locate a provider. I dont know why people have to bash discounted medical and dental plans, not everyone has a million dollars to pay high cost insurance!!!