Discount Health Insurance Plans - New York

Discount Health Insurance Plans

When it comes to the expensive subject on health insurance, many people will cringe at the idea of how much they have to pay. However, there are actually many plans and services out there that are available at a discounted rate. And when it comes to paying for your health insurance plan, every penny counts. There are ways for you to save, and Health Plans Depot is on your side and ready to help.

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What If You Don’t Qualify for Coverage?

Sometimes, a pre-existing condition like a stroke, heart attack, or diabetes, will be a roadblock to you obtaining your desired health insurance plan. In this case, a discount health insurance plan, or discount health care plan, may be a suitable or temporary option for you. It is sometimes difficult to be sure you are dealing with a reputable company, however. Health Plans Depot can help you find a discount program that will help you save considerable money on:

  • Prescription Drugs
  • Dental Care
  • Vision Care
  • Chiropractic Care
  • Hearing Care
  • Diabetes Supplies
  • Hospitalizations
While these discount plans do not supercede actual health insurance, they can help you save on specific conditions that would not be covered otherwise. When you call Health Plans Depot, you can rest assured that we will only direct you to licensed and certified providers that will get you on the way to your healthiest you.

Indemnity Plans: A Way to Save in an Emergency

An accident or illness can happen when you least expect it. If something sudden occurs, and you need to be treated at a hospital, you may want to consider an indemnity plan if you are not covered for hospitalization. Indemnity plans pay you directly in the event of accident, illness or hospitalization. With such a plan, you will pay a premium which can cover you or your entire family if the need should arise. Basically, in the case of an emergency, you file a claim and one of these companies will send you a check for your hospital stay, or emergency outpatient care. Indemnity plans are not insurance, but can be very helpful to you if you are not covered for what you need. Health Plans Depot will gladly direct you to such companies when and if an emergency arises.

Provider Discounts: Another Way to Save

Many health insurance companies are in direct competition with each other, and will often negotiate with providers, meaning doctors and hospitals, on the price they will pay for health care services. It is very common for providers to agree to offer discounts on their list prices, or charge rate, of their services in exchange for the additional patient volume the health plan has to offer. These discounts are subtracted from the total list price of the services, which will help you spend less. The team at Health Plans Depot is ready with the best provider discounts that are available in your area.

Group Health Insurance Plans

If you are in need of health insurance, and it is not provided through an employer, you may be able to find a group health care plan. If you are a member of an organization such as a club, military organization, a credit union, a teacher’s organization or an alumni organization, you may qualify for a group health insurance plan at a considerable discount. While group health plans are usually far more inexpensive than individual health insurance plans, you should directly compare the cost between the group and individual plan. Health Plans Depot is prepared to help you do that by noting of each company’s costs including their price of premiums, co-pays, medical treatments and hospitalizations. Any one of our qualified agents is prepared to assist you in evaluating the costs and choices available to you for these group discounted health insurance plans.

Buyer Beware

Sometimes discounted health insurance plans are not what they claim to be. Many companies will advertise themselves as legitimate health insurance plans, when in fact that are discount programs. These services may be beneficial to you if you are interested in supplementing your current health insurance plan. For example, if you do not wish to pay for full dental insurance, you may enroll in a dental discount program. It is important that you be sure that any health insurance plan you decide to purchase is fully licensed and registered. By calling Health Plans Depot, you will avoid any kind of insurance scam. We only work with trusted and reputable companies that will provide legitimate services at the most reasonable rates possible.

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