Have you used Ameriplan?

Question

I am thinking about using it for my pregnancy & want to know what I should expect

Answer 1

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.

Answer 2

Be very, VERY careful! Many states are outlawing this type of policy because they do not have doctors that actually accept the discount program.

if you need coverage for your pregnancy, medicaid or other state program may cover you. Many have very generous income allowances for pregnancy.

If that is not an option, contact your doctor and hospital to ask about their cash discount program. Many have this since pregnancy is so often not covered by insurance.

Answer 3

Be sure to read over what they are offering and find a doctor that offers the discount and ask them what they will charge you.

You may be better off with the Maternity Card. At least they guarantee you will save more money than the plan cost.

http://client.ahcoagent.com/22328/matern...