As health costs rise and a growing number of people are going without insurance, a relatively new phenomenon in the health care industry is happening -- the guaranteed acceptance cancer health insurance.

Companies want you to believe that they are providing health insurance but that is not the case in many cases. Health plans (not insurance) companies marketing the health plans negotiate discounts with networks of health providers -- much the same way health insurance companies negotiate reimbursement amounts.

Consumers will pay monthly fees, anywhere from less than $30 to more than $100, and can use the discount health (not insurance) plans to get discounts from participating healthcare providers or on prescription drugs. The discount health (not insurance) card companies claim they can save consumers 10 percent to 50 percent off their health bills.

Health (not insurance) plans have become a big business, with an estimated 20 millions Americans enrolled in some type of health plan, according to the Consumers Health Alliance, a new industry trade group.

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The health industry has grown, while at the same time the discount health (not insurance) have caused concerns among consumers' groups.

Most states, such as Texas, do not regulate the discount health (not insurance) cancer health insurance industry, and consumer watchdogs say it is hard to tell how much the plans actually save cancer survivors. They also contend that some of the marketing campaigns for discount health (not insurance) plans have misled consumers to think the programs are health insurance plans.

Disastrous experiences in the past have caused folks with bad cancer insurance scenarios to be sad.