It is important to understand, when evaluating medical discount plans, that these plans are not the same thing as medical insurance. These discount plans instead provide access through membership to discounted services from select participating providers. In years past, many companies with such plans carefully chose their marketing messages to closely resemble features and benefits of major medical plans. However, with increased regulations regarding fair marketing practices, these companies have had to come clean and present their programs in a more honest light. As a result, many companies have expanded their networks and service offerings to provide an attractive alternative to expensive health insurance.

Today’s medical discount plans offer more than just cheaper rates with participating doctors and pharmacies. These plans not only offer those discounts, but access to hospitals, labs, and diagnostic testing centers at the same reduced rates insurance companies pay for the same services. Additionally, many of …