Consumer Health Alliance 10 Things to Know About Discount Health Plans

Discount health plans are NOT insurance.
Discount health plans are not qualified plans under the Affordable Care Act (ACA).
Discount health plans are membership programs used to supplement health insurance, save money on out-of-pocket health costs and make ancillary services more affordable through discounts.
Ancillary services typically not covered by insurance plans include: dental care and vision for adults, hearing aids, chiropractic services, and popular alternative medicine techniques like acupuncture.
In exchange for a monthly fee, people get a discount health plan membership, a list of in-network providers, and a discount on services when visiting those providers.
Discount health plans are available for a variety of health care services not covered in many ACA plans, including dental and vision for adults, chiropractic, hearing and alternative medicine.
Discount health plans typically fall into two categories:
- Limited to specific type of service with discounts (e.g., dental, prescription, vision).
- Bundled services with discounts (e.g., dental + vision + telehealth)

Savings with discount health plans vary based on services, procedure and location.
Typically, plans offer anywhere from 20% to 60% off the regular fee of services provided.
Nearly 27 million Americans are members of discount health plans through a variety of entities, including: associations, senior organizations, educational groups, businesses, nonprofits, financial institutions and unions.

10 Things to Know About Discount Health Plans