Insurance Cards That Are Worthwhile

Warning, But purchasers of some of these medical and dental discount insurance cards may not get what they think they are paying for, she warned.

No health insurance is provided by discount insurance cards since they are not insurance cards. Some of the advertisements are misleading because they are not clear that these are not insurance cards," Willis said. "That doesn't become an issue until you need some medical procedure and go to the doctor and then find out you don't have insurance."

Anyone thinking of buying a medical or dental discount card should do some homework before signing on the dotted line, she said.

"Cost on the most basic insurance cards ranges from very low – about $10 per month – to over $100 a month," Willis said.

Discounts on services vary too. For most insurance cards, customers pay a set fee each month which entitles them to discounts of 10 percent to 40 percent for such services as visits to doctors' or dentists' offices, hospital stays, prescriptions and eye care, she said.

She warned, "Ultimately the consumer has to pay whether one has one of the discount insurance cards or not. The customer must pay up front." In many instances, medical procedures may be put off until the consumer pays.

The most favorable discount insurance cards provide a discount only if the providers accept the insurance cards.

Many people have had disastrous experiences in the past with faulty insurance cards.

Visit free health insurance agent leads for how to obtain real health insurance.

With arms wide open, we welcome you to an insurance that will accept you for who you are.