Ameriplan insurance?

Question

Is this any good? And if it is what is a good dental and health plan on this site? http://mybenefitsplus.com/mmorales

Answer 1

This is NOT insurance.  This is a supplemental insurance plan that will cover about 1% of your actual bills.  

No joke, some argue that it is better than nothing, but not by much.  Personally, I would rather take my chances and work out a payment plan with the hospital than waste my money on this garbage. BTW, actual US hospital costs are $10k per day, with surgury extra.

Mostly, these plans are about making money for inexperienced, unqualifed con-artist "agents", selling for pyramid companies. Stay far away from this stuff.

Answer 2

IT IS NOT INSURANCE - it is a discount plan.

Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes... for more information. Many other states are starting to ban these cards as well.

Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.