July
29
What do you know about these two companies for health “insurance”?
Posted In: Quotes by admin
Question by Kristy: What do you know about these two companies for health “insurance”?
What do you know about Consumer Health Benefits Association (CHBA), and Ameriplan? Which one is better?
Best answer:
Answer by Gem
Neither is insurance, I believe both are “discount” plans.
As it is still up to the individual doctor what to charge, your best bet is to call a few doctors in the area and ask them to tell you which plan offers the better discount in their individual office.
Many of the doctors staff completely understands your being broke and needing to pick the plan best for you.
Start your quesiton off with, “Do you have a minute to talk to me, I really need your help” Most people love to help people.
Good luck
What do you think? Answer below!
They are both discount plans, and as such neither is better than the other.
Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/west/2006/11/22/74554.htm for more information. Many other states are starting to ban these cards as well.
Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.
I don’t know anything about CHBA, but I do know about Ameriplan. On the website for Ameriplan you can search for a provider, those websites are updated every night so the providers that are listed are providers with them. Amerplan has also been around for 15 yrs so they have been doing something right in that time frame. Also they do have a customer support center that you can call with any questions, problems etc
Also the providers have a fee scheduled to go by, meaning that you can find out very easily what your saving would be. I would be glad to answer any of your questions that you may have about Ameriplan, my website is http://www.everyonebenefits.com/trodgers
I have also used the benefits and have saved a lot on Rx and the dentist.