All about discount cards..
What is a Discount Card?
Discount cards are cards that provide consumers a great and wide way of saving money on vision, dental and chiropractic requirements. Depending on the Discount Cards Company, the consumers can enjoy up to 60% discounts on a nationwide network of the leading service providers.
You just need to fill up an application form and you will get your discount cards through mail. And, when the time comes to use your discount card, just locate a provider included in the network, show your card to him and receive instant discounts.
What is the difference between Discount Cards with Dental Discounts and Dental Insurance?
Discounts cards with dental insurance are not any form of insurance; these provide discounts for the dental services while you see any participating dentist.
Who pays for the services?
Discounts Cards with Dental Insurance: Consumers have to directly pay the dentist for the services. Discount cards don't pay anything to the dentist. Consumers also need to pay monthly membership fees for getting discounted prices at the participating dentists.
Dental Insurance: Consumers pay deductibles, monthly premiums, co-pay or co-insurance; the insurer pays the dentist directly for rest of the charges.
Discounts Cards with Dental Insurance: No deductible.
Dental Insurance: Normally has deductibles.
Discounted rates at chosen providers
Discounts Cards with Dental Insurance: Offers discounted prices at the participating dentists. Sometimes it can be used in conjunction with the Dental Insurance Indemnity plans.
Dental Insurance: PPO plans normally have pre-decided discounted prices with chosen providers.
Indemnity plans although allows to see a dentist but don't have any discounted rate.
Discounts Cards with Dental Insurance: Not applicable.
Dental Insurance: Some of the dental insurance plans require the policyholder to wait for 6 to 18 months prior to paying for key dental services.
Co-Pay or Co-Insurance
Discounts Cards with Dental Insurance: Not applicable - for a service, the dentist will charge contracted as well as pre-decided discounted rate.
Dental Insurance: After reaching the deductible, sometimes the policyholders have to pay a minimum amount for every visit or certain percentage of the total cost. The insurer pays for rest of the charges.
Yearly Maximum Benefit
Discounts Cards with Dental Insurance: Not applicable - such programs can be used as and when required.
Dental Insurance: Most of the dental insurance plans cover up to a certain amount of money per member each year. After reaching the cap, the consumers have to bear the additional expenses.
Are Discount Cards insurance plans?
Discount Cards are not insurance plans. These are discount programs that provide the consumers as well as their family with preferred rates from chosen healthcare providers. Such cards could provide valuable and inexpensive alternative to the conventional medical insurance plan.
How much money can be saved?
Discounts could vary depending on the company and the provider. Below are examples of how much one can save on dental care through a Discount Card.
Full cast crown
How soon can one start getting discounted rates?
The membership card will be activated as soon as the consumer gets his discount card via mail.
How often may Discount Card be used?
As and when require; there is no restriction.
Is there any transaction fee for using a Discount Card?
There is no card transaction fee or usage fee. The member should only pay a monthly membership charge to continue using the Discount Card as and when required.
Are discounted rates same at all the providers?
No. Discounted rates vary depending on the type of health care service, provider and the demographics.
What if the network provider won't accept the card?
The consumer may ask his provider to call provider service number mentioned on the Discount Card. It is recommended to verify the provider's acceptance of Discount Card when an appointment is made.
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