Employers and unions pay less for the same prescriptions, the same eye tests and the same dental work, because they buy in volume. A membership puts a household on that side of the counter: you show a card, and you pay the negotiated rate instead of the retail one.
About five minutes. No contract, and nothing to fill in.
Providers agree rates with the networks behind this program in exchange for volume. Your card is proof you are entitled to those rates. When you present it, the provider charges the agreed price rather than the one on the wall.
Nothing is claimed, nothing is reimbursed and nothing is approved in advance. The saving happens at the till, on the day, and you walk out having paid less. That is the entire mechanism, and it is why the membership costs a fraction of what cover costs.
It works whether or not you are insured. Most people who hold one are insured — they use it for what a plan leaves out, and for everything they pay before a deductible is met.
Nothing is taken away as you move up, so choosing a smaller plan costs you nothing except the categories you did not pick. The only question is where you stop.
What you save depends on the item, the provider and where you live. A single headline percentage is always somebody’s best case, so here are the full spans instead.
Every program like this has them. Ours are here, where you can act on them, instead of in a paragraph you would have to go looking for.
Tell us what you already spend on — the prescriptions, the glasses, the dentist — and which state you are in. If a plan covers more than it costs you, you will hear which one. If none of them does, you will hear that instead.
Any hour. Nothing to fill in.
