Discount Health Insurance Cards Can Be Useful

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Discount Health Insurance Cards Are Not Real

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 discount medical insurance card.

Discount medical card companies want you to believe that they are providing health insurance but that is not the case in many cases. Discount health (not insurance) card companies marketing the health cards 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) cards 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.

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

The card 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) card industry, and consumer watchdogs say it is hard to tell how much the cards actually save consumers. They also contend that some of the marketing campaigns for discount health (not insurance) cards have misled consumers to think the programs are health insurance cards.

Disastrous experiences in the past have caused folks with medical bad discount card scenarious to be sad.

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