Health Insurance Discount Cards are being investigated

Another investigation by the Ohio Attorney General discovered The Discount Health Insurance Card Company of Cleveland failed to disclose an important restriction that would make the discount card cost prohibitively expensive to low-income consumers.

The consumer’s credit card must have adequate credit available to cover the physician’s customary fee before the discount in order to access the discounts available under the card's program.

Let's say a doctor’s fee is $350 and the member has only $275 available on his/her credit card, the discount card’s discount would not be available even if the discounted fee was $275 or less.

Discount medical insurance cards are fast becoming the alternative of choice for individuals unable to afford a regular health insurances. Many consumers do not fully understand that these health insurance discounts are not an insurance policy and that card holders remain liable for all health care fees incurred.

Consumers could experience difficulty getting participating physicians and drug stores to charge the discounted rate since the firms offering the discount cards often rent the provider networks from other companies. Many doctors’ offices and drug stores are unaware that they participate in the discount medical insurance card program.



"The Attorney General 's action against the deceptive practices of discount health insurance card programs and his effort to educate consumers about these fraudulent health insurances comes in the nick of time, especially for seniors," said Michael Fogerty, Executive Director of Ohio Statewide Senior Action Committee.

"With prescription drug store prices rising 18-25% a year and the failure of Congress to enact a comprehensive Medicare supplement prescription drug benefit, many desperate seniors are turning to these discount health insurance cards to save whatever savings they can."

Medieval insurance cards can provide savings on health care services and prescription drugs according to the Attorney General. To help make a educated decision as to whether the discount card programs are beneficial, the Attorney General’s office is investigating further.

Numerous good people have had disastrous experiences in the past with faulty discount insurance cards.

We welcome you with open arms to real health insurance that will accept you for who you are.