who indicate otherwise are not being truthful. Unlike health insurance, there is no sharing of risk by the consumer and the discount healthcare company.
Discount health cards afford consumers the opportunity to directly purchase health care services and products from providers at amounts discounted below their retail rates. Cardholders are required to pay the provider’s discounted fees in full at the time healthcare services are rendered or as dictated by the provider’s agreement. Consumers are free to make their own choices about which services to purchase and from whom to make those purchases.
Insurance plans, on the other hand, define specific benefits available to the consumer at rates determined by the plan purchaser. Insurance plans also pay health care providers on behalf of the consumer.
That’s a decision each consumer must make. Discount cards and insurance plans frequently provide complementary benefits. That is why many of the nation’s leading companies offer their employees both insurance plans and discount cards. Each individual should evaluate his or her own health needs and the various benefits offered by each type of program.