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AmeriPlan Health ®
As A Stand Alone Program
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AmeriPlan ® as a stand alone health program can be used for those that have no health insurance and are on a limited budget.
AmeriPlan Health ® will provide significant discounts on all health services but the ideal situation is to combine it with Catastrophic (high deductible) health insurance. If you have to pay for all of your own healthcare services, this article and the article;
AmeriPlan ® Combined With Health Insurance, will help you make an informed decision concerning your healthcare needs.
Many people are denied health coverage by traditional health insurance companies because of existing health problems and other various reasons. If you already have a health problem, it doesn't matter with
AmeriPlan ®. Our health program works much the same as our discount dental program in that they are not insurance but a discount fee for service program; so everyone qualifies for AmeriPlan Health ®. You will receive a
significant discount on all your health services but you must pay the discounted fee during your visit (most doctors' offices will be happy to make a payment arrangement with you, but it is at their discretion).
You can use
AmeriPlan Health ® for things that you normally can't use traditional health insurance for; like cosmetic surgery and other things not considered medically necessary. For services like this, AmeriPlan ® can't be used in conjunction with health insurance because they just don't cover it. Doctors and Specialists would like you to have the highest quality of living possible and sometimes that includes things that aren't medically necessary.
This is a great arrangement for doctor visits and minor health problems that can be fixed with medication and outpatient services, but what happens if you have a real emergency that costs $100,000 or more? In the cases where you are confined to the hospital or your bill exceeds $2,500, a
patient advocate is assigned to you and they negotiate with the hospital on your behalf. The negotiated price is usually MUCH lower (I have seen a $128,000 bill reduced to $23,000 but that isn't always the case) and the hospital will then make payment arrangements with you almost like a car payment. We all hope to never be in that situation but life throws some pretty interesting curves at us sometimes and it's much better to have
AmeriPlan ® with you than nothing at all.
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