Ours are filled in below. Take the same six to anyone else you are considering and write theirs beside them. If our answers are better, that is the argument; if they are not, you should go elsewhere and we would rather you did.
No. It is a membership giving you access to rates providers have already agreed. No policy, no cover, no payout, and nobody pays a provider on your behalf.
If a company answers this one vaguely, stop there. It is the question this whole category gets wrong on purpose.
Because it is not doing the same job. Insurance prices risk — it takes on the chance of something expensive happening to you. This takes on nothing; you are buying access to a negotiated price list.
You have to use it. The membership costs the same in a month you never take the card out as in a month you use it four times.
The second catch is the network. The discount exists at participating providers, so if the pharmacy or dentist you like is not in one, the card does nothing for you there.
Sometimes. 10–85% means some items save ten percent. The eighty-five is real and so is the ten, and which one you get depends on the item, the provider and where you live.
Any program quoting a single headline percentage is quoting its best case.
You cancel, in any month, on any term including the annual. No early termination fee and no retention script.
Committing to a year buys a lower rate. It does not buy us the right to keep you.
The honest answer: the program content is broadly comparable across this category, and the networks are often the same ones.
What differs is how it gets sold. We publish the ranges rather than the headline, publish the states where it does not work, and say no to households the arithmetic does not suit. That is checkable on this site rather than a claim about our values.
If you see any of these while you are asking around, you now know what to ask next.
Save up to 85% on your healthcare!
True of one category at its very best, printed as though it applied to everything.
Everyone qualifies — no exceptions!
Not true anywhere. We cannot enroll anyone in Utah, Iowa or Washington, and we say so on the home page.
Limited time offer — enroll today!
There is no season and no deadline. Urgency in this category is manufactured.
It’s like insurance, but cheaper.
It is not like insurance. It is a different product doing a different job, and the sentence exists to blur that.
Then tell us what you spend on and which state you are in, and we will tell you whether a plan pays for itself — or that it does not.
See whether the numbers work for you
About five minutes. Nothing to fill in.
