There is no claim to submit, no reimbursement to chase and no approval to wait for. The discount is applied at the counter, on the day, by the provider — because they have already agreed the rate.
Four plans, from three categories up to seventeen. Patricia works out which one fits what you already spend on, and will tell you if the smallest one is the honest answer.
It arrives within ten business days and works from the day it lands. There is nothing to activate and no app you are required to install.
The networks are large and ordinary — 60,000 pharmacies, 262,000 dental providers, 20,000 vision, 1,500 labs. In most cases the place you already use is in one of them.
Before you pay, not after. The provider looks up the negotiated rate and charges you that instead of the retail price.
The membership is only worth what you use it for. A card that sits in a drawer saves nobody anything — the households who do well out of this are the ones who use it for the ordinary, repeating things.
The exchange takes about as long as handing over any other card.
There is nothing to submit, because nothing is being reimbursed. The price is lower at the point of sale.
No pre-authorization, no coverage decision, nobody deciding whether you may proceed.
There isn’t one. The discount applies from the first time you use the card.
There is no underwriting and no medical history. Existing conditions do not affect what you pay or what you can use.
This is not insurance and it does not replace it. Nobody pays a provider on your behalf, and there is no policy behind it. What you are buying is access to rates that have already been negotiated.
That makes it useful in the places insurance tends to leave you exposed — what you pay before a deductible is met, the categories a plan excludes outright, and the everyday things nobody claims for anyway. If you are insured, keep the insurance and use this beside it.
The full disclosure, including who administers the program, is on the Customer Disclosure page.
Tell us what you spend on in a normal year and which state you are in. If a plan pays for itself you will hear which one, and if none of them do, you will hear that.
About five minutes. Nothing to fill in.
