Applying For a Medical Card

First thing you need to know about medical discount cards is that they are not real health insurance, and thus do not provide a comprehensive medical coverage.

Many companies try to sell medical cards claiming them to be a real alternative to health insurance. That is not the case. While requirements for obtaining a medical card are not as strict as major medical health insurance underwriting, the cost and limited coverage prove to be the main reasons people turn to guaranteed health insurance other known as "high risk health insurance".

Where medical cards vary in cost from $100 to $250, guaranteed health insurance can be obtain from $175 to $379, providing the client with real, government regulated health insurance that covers hospital stays, surgery, doctor visits with PPO network savings and more.

You can obtain free quotes from all the insurers offering guaranteed acceptance by filling out the above form, or clicking here.

You will also be provided the contact information of one local health insurance agent in your area who will be able to thoroughly explain all the medical card / insurance plans available to you in your area.

Samples of Cards available through the insurance plans offered.

(Guaranteed Health Insurance PPO Network Card)

 

 

Applying for a Medical Card

First step obtaining a medical card is getting a medical card application. Those can often be found online. Due to the volume of discount medical cards proving to be scams, we no longer provide medical card applications through our website.

When often asked by visitors "how do i get a medical card?" or "how to apply for medical card?" We simply reply that the only person truly qualified to make that determination is a local health insurance agent who knows the state and county regulations guiding medical cards. Providing any information here would simply create more confusion.

Medical Card Eligibility

Medical card requirements are as follows.

A health insurance card is designed for those individuals and families who reside in USA.

Another type of health insurance card is one which the visitors to USA can obtain while fulfilling certain conditions. While the maximum limit for a health insurance card can vary with the different plans from which the health insurance card was obtained, the common characteristics remain the same.

That means, a health insurance card will ordinarily cover prescription drugs, child birth, pregnancy, dental, vision, and health care expenses at 770. But there will be definite coverage that will save you money.

US citizens, Green Card holders, and H1, H4, F1, and F2 visa holders also qualify for a health insurance card. Moreover, there are plans such as a Health Management Organization (HMO) and Preferred Provider Organization (PPO) that provide a health insurance card to patients having pre-existing conditions.

A phony health insurance card does not offer any assistance in real medical emergencies. In truth such cards may not be real health insurance card at all. Such inadequate health insurance cards are worthless and should be reported to the proper governmental authorities.

Beware of the fraudulent health insurance cards and visit our discount health card page to see how fake health insurance cards where the provider claims many benefits for the client but dishes out very little services for the client in real medical emergencies.

A patient has the rights under the Federal and State laws that help him buy and keep the advantages of a health insurance card, these rights are not comprehensive. The consumer protection regulations are dependant on the patient's place of living, type of coverage he seeks and many other factors.

Health Card Renewal

Once you already posses a card you can renew it through the providers website, by mail or by phone.
A new card will be mailed out within 7-10 business days after the renewal request.

Special Circumstances for Health Care Card Eligibility:

Check with your local ID card issuing facility or unit personnel office about health care card eligibility requirements for the following beneficiary categories:

• Family members of active duty service members who were discharged as a result of a court-martial conviction or separated for spouse or child abuse.

• Certain abused spouses, former spouses and dependent children of service members who were eligible for retirement, but were revoked as a result of abuse of the spouse or child.

• Spouses and children of representatives of North Atlantic Treaty Organization (NATO) and “Partners for Peace” (PFP) nations that are signatories to the respective Status of Forces Agreements (SOFAs) with the United States, while stationed in or passing through the U.S. on official business. These family members are health care card eligible for outpatient benefits only.

• Dependent Parents and Parents-in-law:

Dependent parents and parents-in-law that are in a situation of medical care card eligibility determined for care in a military treatment facility (MTF) and may enroll in TRICARE Plus* based on space/resource availability. TRICARE Plus is a local MTF-based primary care enrollment program.

TRICARE medical card eligibility for beneficiaries, who are not enrolled in Prime, an opportunity to enroll with their local MTF for primary care services. Dependent parents and parents-in-law do not have health care card eligibility for TRICARE Prime, Standard, Extra or TRICARE For Life.

They may have health care card eligibility for the Senior Pharmacy Program if they meet all of the requirements.

Medicare-health care card eligibility and TRICARE:

Attaining Medicare card eligibility does not mean beneficiaries lose eligibility for TRICARE. See the three examples below of dual Medicare/TRICARE eligibility:

1. Beneficiaries, who are medical care card eligible for Medicare Part A on the basis of age and purchase in Medicare Part B, continue to have health care card eligibility for TRICARE, secondary to Medicare.

2. Family members of active duty service members who are also have health care card eligibility for Medicare for any reason have health care card eligibility for TRICARE Prime, Extra or Standard whether or not they purchase Medicare Part B. However, the purchase of Medicare Part B in this instance is recommended.

If they do not enroll in Medicare Part B as soon as they are eligible, the cost of Medicare Part B may increase 10% for each 12-month period that they could have been enrolled but were not. Please contact Medicare for more information on Part B enrollment.

3. Beneficiaries under age 65 who have health care card eligibility to Medicare Part A because of disability or end stage renal disease and have purchased in Medicare Part B retain their health care card eligibility for TRICARE Prime, Extra or Standard until they turn 65, when they continue to manifest the medical card eligibility for TRICARE For Life.

Beneficiaries should notify their MTF or military personnel office if they become eligible for Medicare due to a disability or end stage renal disease.

 

Replacing Your Health Card Is Not So Hard

 

Losing your wallet or purse with your government ID can be stressful. Do not panic: There are things you can do right away to protect yourself from further problems. The following steps should be taken:

1. Contact your bank and report your missing bank and credit cards.
2. Contact your local police and report that your wallet has been lost, in case it is turned in.

Helpful Hints:

The helpful hints below provide a checklist of important information to make it easier for you to replace health cards and other documents.

If you've lost any piece of ID, you should report it immediately to the local police department.

If you've lost a credit card, notify the credit card company immediately and they will cancel the cards and replace at no charge.

If you've lost a retail credit cards, immediately notify the Cardholder Service of that retail store.

When you are replacing documents, proof of ID is required, but that is difficult to do if all your documentation was in your wallet. We suggest that you replace your documentation in the following order:

Driver's license - In many States, a replacement driver's license may be gotten immediately.

Birth Certificate - ID is required to pick up your birth certificate. A driver's license is an acceptable form of ID to pick up your certificate.

Visit a government office to replace a lost, stolen, damaged or destroyed citizenship certificate.

 

Health Insurance Discount Cards are being investigated

 

Another investigation by the Ohio Attorney General discovered The Discount Health Insurance Card Company of Cleveland failed to disclose an important restriction that would make the discount card cost prohibitively expensive to low-income consumers.

The consumer’s credit card must have adequate credit available to cover the physician’s customary fee before the discount in order to access the discounts available under the card's program.

Let's say a doctor’s fee is $350 and the member has only $275 available on his/her credit card, the discount card’s discount would not be available even if the discounted fee was $275 or less.

Discount medical insurance insurance cards are fast becoming the alternative of choice for individuals unable to afford a regular health insurances. Many consumers do not fully understand that these health insurance discounts are not an insurance policy and that card holders remain liable for all health care fees incurred.

Consumers could experience difficulty getting participating physicians and drug stores to charge the discounted rate since the firms offering the discount cards often rent the provider networks from other companies. Many doctors’ offices and drug stores are unaware that they participate in the discount medical insurance card program.

"The Attorney General 's action against the deceptive practices of discount health insurance card programs and his effort to educate consumers about these fraudulent health insurances comes in the nick of time, especially for seniors," said Michael Fogerty, Executive Director of Ohio Statewide Senior Action Committee.

"With prescription drug store prices rising 18-25% a year and the failure of Congress to enact a comprehensive Medicare supplement prescription drug benefit, many desperate seniors are turning to these discount health insurance cards to save whatever savings they can."

Medieval insurance cards can provide savings on health care services and prescription drugs according to the Attorney General. To help make a educated decision as to whether the discount card programs are beneficial, the Attorney General’s office is investigating further.

Numerous good people have had disastrous experiences in the past with faulty discount and guaranteed insurance cards.