According to the recent statistics, currently there are more than 45 million Americans not having any health insurance benefit and this figure is steadily growing due to economy downturn. For those citizens who earn too much to be qualified for Medicaid but too little to afford the high premium private health plans, one of the best options for them is a discount health insurance card.

Nowadays the discount cards available in the market are gaining popularity because they allow the cardholders to gain access to the healthcare they need without any exclusion, limitation and pre-existing condition. Furthermore, there is no paperwork required. For instance, if someone is suffering from a medical condition and he or she can’t obtain medical insurance, a discount plan is still available. In fact, the medical history is totally no effect on the price of the discount card. Anyone can enroll into this type of plans and get affordable care immediately. Moreover, the monthly membership fee is nominal.

By having a discount health insurance card, the cardholders will be enjoying a certain percentage off of the healthcare service at the time of service. This sounds ideal for cardholders as well as the service providers as there is no paperwork or supporting documents need to be filed.

On the other hand, there is one point you need to bear in mind. Affordable to some people may not be affordable to you. Having a discount card is not really ideal for everyone. For example, obtaining medical service at the cost of USD 10, 000 and getting 40% discount off may still be too expensive for you. Having a discount card doesn’t solve your problem and you will still be burdened with high medical cost. If that is the case, purchasing a lower cost health plan will be better than holding a discount card. To sum up, it is important for you to weigh the pros and cons of discount health insurance card based on your own financial position.

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