We're here to serve our members. If
you have problems or questions not covered here, please use the Contact Us form on our website.
Q. What is Discount Medical?
A. Discount Medical is a low-cost, high value benefits enhancement program that offers members discounts on healthcare and medical services including vision, hearing, dental care, prescription drugs, chiropractic services, podiatry, emergency medical evacuation, vitamins and herbs by mail, 24-hour Nurse
Helpline, physicians network, durable medical equipment, extended care, medical records and storage, and a complementary/alternative health network. These savings are available through a nationwide network of over
400,000 healthcare providers. We also offer lifestyle benefits and discounts on legal/financial assistance and travel (discounts on hotels and rental cars).
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Q. I already have
insurance. How can Discount Medical benefit me?
A. Traditional health insurance programs are usually available
only through a group (like your employer or a professional
association) and cover a percentage of certain medical expenses.
There are deductibles that need to be met before your expenses
are reimbursed, and you may be required to have a physical
exam taken before your application is approved. If you have
a pre-existing medical condition, your coverage may be restricted
or your deductible and/or premiums higher. Depending on the
insurance plan for your entire group, certain benefits like
vision or dental care may not even be available.
Discount Medical is not health insurance. You don't have to be part of a group to become a member, and one fee covers your immediate family without any extra cost. Each of our plans is designed to give you benefits and savings usually not part of traditional health insurance programs. You choose the plan that best meets your individual needs and your budget. Once you receive your membership card, you can start receiving discounts immediately. You receive your discount at the time of service and pay the bill right then. There's no waiting period, no deductibles, no premiums, no worries about pre-existing conditions, no maximums, and no limits to the number of provider visits.
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Q. How do I get my Discount Medical discounts?
A. Within two weeks of enrolling, you'll receive your complete Discount Medical Member Portfolio, including membership card, a list of participating healthcare providers and complete details on each benefit in the plan you selected. Simply present your
Discount Medical membership card to the participating provider at the time you receive the products or services. Your discount will be applied on-the-spot when you pay your bill.
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Q. Who is included in my Discount Medical membership?
A. Everyone who lives at your address is eligible to use any of the Discount Medical member benefits, including any dependents living away from home, such as college age children. However, only the member's name actually appears on the membership card. Your membership
can be used by immediate family members, such as a parent, brother or sister, as long as they are listed on your membership enrollment form and live at the same address.
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Q.
How do I find a vision, hearing, dental or other healthcare
provider in my area?
A. That's easy. You can search on-line, by going to the page Search for a healthcare provider in your area.
Just type in your zip code and we'll list some providers closest to you. Once you enroll in an
Discount Medical Plan, your Membership Portfolio will include a list of the participating healthcare providers closest to you.
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Q.
How can I find out how much my Discount Medical can save me
before I go see my provider?
A. Once you select a participating provider you can discuss the fees that will
be charged in advance of services being rendered.
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Q.
Are there any restrictions on age or pre-existing medical
conditions?
A. No. Discount Medical is not insurance, so there are none of the exclusions or restrictions common to traditional health insurance programs.
Discount Medical discounts and services are available to all members, regardless of age or medical condition, except where prohibited by law.
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Q. Are the prices
the same for each healthcare provider or does it vary?
A. Professional fees will vary by geographic area. After knowing what service
you need, your provider will be happy to give you an idea of your savings.
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Q. Do I have
to wait until I receive my Discount Medical membership card
before I start receiving discounts?
A. Yes. Your Discount Medical membership card and materials
will have certain information that will be needed by each
healthcare provider in order to provide your discounts. You
will receive your membership card within two weeks after enrolling.
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Q.
What dental care discounts are available through Discount
Medical?
A. Many dental care procedures are discounted, including exams,
routine cleanings, fillings, extractions, crowns, dentures,
and other preventive and diagnostic services. Discounts also
are available on periodontal, orthodontic and other specialty
procedures. Your savings on each treatment will be up to 50%
off the national average price.
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Q.
What if I need a dentist while I'm out of town?
A. Your membership card is valid in all states. Simply find
a participating provider at our Search
Page or call customer service on the back of your card.
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Q. What does
the vision benefit cover through Discount Medical?
A. You can save as much as 50% on the national average price of prescription eyeglasses, contact lenses
excluding disposables and other specialty items including Laser surgery where
available through our network of over 12,000 participating retail optical outlets nationwide. Both disposable contacts and non-prescription sunglasses are available through our mail order service. By presenting your
Discount Medical membership card, you will automatically be charged the discounted rate.
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Q. Are disposable
contact lenses available through Discount Medical?
A. Yes, through our Mail Order Vision Service. With your doctor's contact lens prescription, you can order most types of soft replacement contact lenses, including disposables, torics and bifocals, as well as gas permeable lenses, and save up to
60% on the national average retail price.
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Q. Do I receive
discounts on name brand non-prescription sunglasses?
A. Yes. You can save up to 25% on Bolle, Dolce & Gabbana, Jaguar, Gargoyles,
Serengeti and many other name brand non-prescription sunglasses through our Mail Order Service. We encourage you to try on the sunglasses you wish to order first to ensure comfort, fit and look; you can find a large variety of styles in major department stores and specialty suppliers. Just make a note of the brand name and model number of the sunglasses that you like, and call our Mail-Order Service toll-free for a price quote on the phone. All the details are included in your
Discount Medical Membership Portfolio.
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Q. What does
the hearing benefit cover through Discount Medical?
A. This benefit enables you to receive a free consultation from one of over 3,000 licensed audiologists nationwide. You also can receive discounts
of at least 20% on hearing aids (10% on programmable/digital hearing aids) hearing aid repairs as well as related hearing products
(excluding batteries). Also, receive free annual cleanings and check-ups of hearing aids purchased through our program.
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Q. How do I
use the retail pharmacy benefit?
A. Simply present your Discount Medical membership card when you go to pick
up your prescription at a participating provider. In fact, the pharmacy you're
already going to may be one of the 40,000-plus pharmacies nationwide
participating in the program. Your savings - as much as 30% on both brand name
and generic drugs - will be applied automatically to your bill when you pick up
your prescription.
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Q. How do I
use the mail-order pharmacy benefit?
A. To start using the benefit, just fill out your Patient Profile form in your
Discount Medical Membership Portfolio, and have a copy of your prescription
handy while you call our Mail Order Prescription Plan toll-free to get a price
quote. Then mail your completed Patient Profile form, your prescription and a
check for the amount or credit card information to our mail order pharmacy
network. You'll receive your prescription 7 to 14 days after we receive your
order.
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Q. How do I
use my Discount Medical pharmacy benefit with my insurance
to get discounts on my prescription medicine?
A. This process applies only if you do not have a co-pay prescription card with your insurance. Your
Discount Medical pharmacy benefit cannot be used in conjunction with another discount program, co-pay prescription cards, HMOs, or managed care programs. However, you may be able to use your
Discount Medical pharmacy benefit on drugs not covered by your HMO or managed care provider. Just take your
Discount Medical membership card to a participating provider location. After you pay your bill, with your discounted
Discount Medical discount already applied, simply file your insurance claim manually, in paper form, following the instructions given by your insurance company. (The member must file the claim manually in order to make an insurance claim.)
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Q. Can I get
a year-long supply of the prescription medicine at one time
through Discount Medical Mail Order Prescription Plan?
A. No. Prescriptions are available in 90 day supplies.
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Q. How can Discount
Medical chiropractic services benefit help me?
A. We have a network of over 6,000 participating chiropractors nationwide that offer members a free initial consultation, and discounts of
40% on x-rays and diagnostic services. You also can save 20% on treatments and related services. All the details can be found in your
Discount Medical Membership Portfolio.
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Q. My job requires
that I travel abroad on a regular basis. How can Discount
Medical emergency medical evacuation benefit assist me?
A. This is a great benefit for all travelers, both in the states and abroad. Members who are injured or become ill while traveling 100 miles from home who cannot be treated by a local medical facility will receive emergency transportation to the nearest hospital. If left unattended, your children can receive free transportation home. It also saves you up to $1,000 off the cost of transporting your vehicle home. If necessary, your family members can receive air ambulance or commercial airline transportation to accompany you home, or be reimbursed up to $100 per day for their expenses to visit you. Members also receive free, 24-hour, multi-lingual travel assistance. All the details can be found in your
Discount Medical Membership Portfolio. (Restrictions may apply)
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Q. How do I
order vitamins or herbal remedies through the mail?
A. Catalog prices are very competitive, generally up to 50% less than retail, with monthly specials that can save you even more. Your Membership Portfolio will include a source code to use when ordering.
Call member services to request a catalog.
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Q. My employer's
health insurance program is minimal. Does Discount Medical
offer a plan that can help me afford doctor's bills?
A. Our MedCare Plan is designed to help individuals just like you. While it's
not insurance, it does give you and your family access to a network of over 390,000 providers including cardiologists, dermatologists, pediatricians, orthopedic surgeons and other specialists, all offering discounted fees. You can also save on durable medical equipment and extended care, including nursing homes and home health care.
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Q. Can I use
the extended care benefit for my parents?
A. If your parents are members of your household, they are eligible, regardless of their age or medical condition. The benefit is designed to save up to 30% on usual and customary fees from network providers with no length of stay required.
Networks include skilled nursing facilities, assisted living facilities, home health care, and many other services. To obtain your discount, just select a participating network provider and show them your
Discount Medical membership card prior to any services being delivered.
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Q. How can I
take advantage of cosmetic surgery discounts?
A. The cosmetic surgery benefit helps you save up to 20% on physician's fees for a variety of procedures, including laser skin resurfacing, breast augmentation, liposuction, stretch mark/birthmark removal, and other treatments. Usually, these elective procedures are not covered by insurance. Our network of providers includes over 6,000 cosmetic surgeons and dermatologists nationwide.
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Q. How can medical
records and storage (an optional benefit) help me?
A. When you or your doctor need access to your medical information - whether it's for insurance purposes or under an emergency situation - this benefit makes your medical records available immediately, 24 hours a day, through a toll-free phone service. Specially trained specialists transfer the information needed, instantly and confidentially, to school nurses, providers, paramedics, and emergency rooms. You also can use this benefit to store vital health information, insurance data, living will, emergency contacts and other medical records. This benefit is one of our optional benefits, costing as little as 66 cents a month.
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Q. I lost my
list of healthcare providers. How can I get a replacement?
A. The most up to date list of providers is available at: PROVIDER SEARCH.
Provider lists are available 24 hours a day, 7 days a week.
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Q. How do I
find a provider closer to my job, or in another area?
A. Provider lists are available 24 hours a day, 7 days a week. Just click PROVIDER SEARCH.
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Q. I'm moving
and will have a new address. What should I do?
A. Send us notice with the CONTACT US form on our site or call Customer Service. Provider lists are available 24 hours a day, 7 days a week. Just click PROVIDER LINK.
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Q. I'm getting
married. Are my new husband/wife and stepchildren covered
in my membership?
A. Congratulations! As long as your new spouse and stepchildren will be living in the same household, they can all be included in your
Discount Medical membership plan for a one-time $9.95 processing fee. Just use the Contact Us form on our site.
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Q. I went to
one of the healthcare providers on my list and they would
not accept my membership card. What do I do?
A. First, please accept our apology. Each healthcare provider in the
Discount Medical system has a contract with our provider network. It's
possible that the person you spoke with either made a mistake, or was unaware of
this network. We'll be happy to contact the provider for you and straighten out the problem.
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Q. Can I find
out what my discount will be ahead of time?
A. Once you choose a participating provider, just ask them in advance, such as
when you're making your next appointment. Our discount pricing is so simple that you can get an idea of what will be the savings.
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Q. Will my discount always
be the same?
A. Professional fees will vary by geographic area. After knowing what service
you need, your provider will be happy to give you an idea of your savings.
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Q. What if I only want a few of the benefits? Can I buy them separately, or customize my own plan?
A. The solution for you would be our basic package. You may add up to four of
our optional benefits to customize the plan for your particular needs. It's best
to select the plan that has the combination of benefits meeting your family's
needs and your budget.
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Q. How does Discount Medical differ from traditional insurance?
A. Discount Medical is not health insurance. You don't have to be part of a group to become a member, and one fee covers your immediate family without any extra cost. Each of our plans is designed to give you benefits and savings usually not part of traditional health insurance programs. You choose the plan that best meets your individual needs and your budget. Once you receive your membership card, you can start receiving discounts immediately. You receive your discount at the time of service and pay the bill right then. There's no waiting period, no deductibles, no premiums, no worries about pre-existing conditions, no maximums, and no limits to the number of provider visits.
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Q. Will each member of my family get his or her own card?
A. No. Two cards will be sent when you enroll each bearing the primary card holder's name. As long as you are an immediate family member and live at the same address, you are covered.
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Do you have a problem that's not
covered here?
We're here to serve our members. If you have a problem or
question not covered here, please use the Contact
Us form on our website.
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