With health insurance expenses going up and up with no end in sight medical discount plans (also known as health discount plans) are gaining ever increasing acceptance and popularity. Like many of today's leading products and services Medical Discount Plans (MDP) had a humble beginning. Over the last few years they have evolved into a needed, desirable and competitive option for employers and families to provide better health coverage options. So what are MDP's?
Initially, they started as an association that people could join to get discounted medical services. It worked very similar to any health insurance network. If you used the medical service providers in the network you received discounts sometimes up to 50% off. The cost of belonging was very low usually $15 to $40 per month for a family, but to be really useful to families more was needed.
With this in mind some of the MDP companies started adding benefits backed by insurance. As you might know Health Insurance is highly regulated by each state, but a few of the companies were able to add additional benefits wanted and demanded by consumers. One of the leaders in Medical Discount Plans is American Worker Insurance Services (AWIS).
They are based out of Houston, Texas and currently offer plans in 25 plus states and growing. In most states their plan options start from basic plans that cost $50 per month for the entire family to benefit rich plans that cost $585 per month for the entire family.
There are several unique features that set them apart from tradition Health Insurance. A few of those features are a 30 day money back guarantee, no deductibles, no out of pocket insurance maximums and Hospital Patient Advocacy Program.
A satisfaction guarantee is unheard of in the Health Insurance industry, but that's exactly what AWIS offers. On all of their plans it clearly states if you are unsatisfied for whatever reason you can ask for, within the first 30 days, and get a complete premium refund hassle free.
Another important feature is the lack of deductibles or out of pocket insurance maximums. With tradition health insurance you typically don't receive any benefits for covered expenses until you have satisfied your deductible. Commonly, based on your plan, the deductible can be as little as $500 or as high as $10,000 with an out of pocket insurance maximum of an additional $3000 to $10,000 for covered expenses. There is an excellent article at the website below that helps to explain your financial liabilities of traditional medical insurance. Of course the lower your deductible the higher your monthly premium.
With AWIS the deductible is zero for most of their insurance back benefits. So for hospitalization, doctor visits, critical ill, accidental injury, intensive care, accidental death and dismemberment and prescriptions you don't need to worry about a deductible (With accidental injury there is a $100 deductible per injury). That's a big change from traditional health insurance.
Lastly, is their highly successful Hospital Patient Advocacy Program (PAC). The PAC works on behalf of members with health service providers to lower out of pocket expenses. These trained and experienced negotiators routinely help members reduce or eliminate medical out of pocket expenses. The company has testimonials from hundreds of members where they were able to reduce and eliminate medical debts in the hundreds of thousands of dollars.
Initially, they started as an association that people could join to get discounted medical services. It worked very similar to any health insurance network. If you used the medical service providers in the network you received discounts sometimes up to 50% off. The cost of belonging was very low usually $15 to $40 per month for a family, but to be really useful to families more was needed.
With this in mind some of the MDP companies started adding benefits backed by insurance. As you might know Health Insurance is highly regulated by each state, but a few of the companies were able to add additional benefits wanted and demanded by consumers. One of the leaders in Medical Discount Plans is American Worker Insurance Services (AWIS).
They are based out of Houston, Texas and currently offer plans in 25 plus states and growing. In most states their plan options start from basic plans that cost $50 per month for the entire family to benefit rich plans that cost $585 per month for the entire family.
There are several unique features that set them apart from tradition Health Insurance. A few of those features are a 30 day money back guarantee, no deductibles, no out of pocket insurance maximums and Hospital Patient Advocacy Program.
A satisfaction guarantee is unheard of in the Health Insurance industry, but that's exactly what AWIS offers. On all of their plans it clearly states if you are unsatisfied for whatever reason you can ask for, within the first 30 days, and get a complete premium refund hassle free.
Another important feature is the lack of deductibles or out of pocket insurance maximums. With tradition health insurance you typically don't receive any benefits for covered expenses until you have satisfied your deductible. Commonly, based on your plan, the deductible can be as little as $500 or as high as $10,000 with an out of pocket insurance maximum of an additional $3000 to $10,000 for covered expenses. There is an excellent article at the website below that helps to explain your financial liabilities of traditional medical insurance. Of course the lower your deductible the higher your monthly premium.
With AWIS the deductible is zero for most of their insurance back benefits. So for hospitalization, doctor visits, critical ill, accidental injury, intensive care, accidental death and dismemberment and prescriptions you don't need to worry about a deductible (With accidental injury there is a $100 deductible per injury). That's a big change from traditional health insurance.
Lastly, is their highly successful Hospital Patient Advocacy Program (PAC). The PAC works on behalf of members with health service providers to lower out of pocket expenses. These trained and experienced negotiators routinely help members reduce or eliminate medical out of pocket expenses. The company has testimonials from hundreds of members where they were able to reduce and eliminate medical debts in the hundreds of thousands of dollars.
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