How to Apply forHealth Discount Programs

 
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Some seniors may face the need to have a health discount program. There are several reasons the senior may need a health discount program as opposed to a standard insurance program or Medicare. Two of the main reasons to choose a health discount program instead of a standard insurance program or government supplied program are due to age and pre-existing conditions. If you fall into the category of needing a health discount program in order to offset the cost of health care, there are several steps you need to take in order to apply.

Choose the Program

Choosing a health care discount program is fairly easy due to the limited amount of companies that offer these discount programs. The most popular form of health discount program is Ameriplan. They are not the only health discount program however they are the most common and have the largest network of providers. After doing research on which health discount programs are available to you as well as which health discount programs work for your particular situation, you will need to determine the final choices.

Contact a Representative

After you’ve chosen the program that you wish to use for a health discount program, you will need to contact a representative. Representatives may be contacted through e-mail, toll-free telephone numbers, local telephone numbers, local directories or online. When you contact a representative please be sure to let them know what kind of health discount program coverage you are looking for. There are several forms of health discount program coverage including vision, chiropractic, health and family discount. These programs can be offered separately as well as in conjunction with each other. Some health discount programs also extend to dentistry.

Follow the Application Procedure

Depending on the program that you choose, you will need to follow their particular application procedure. This procedure may be as simple as an online form or may require a step-by-step process with a representative. Either way, you will need to follow the process set forth by the discount program that you choose. This application process may take as little as 10 minutes or as many as 60 depending on the questions asked on the application and your willingness to fill out the application.

Pay the First Membership Payment

After you have followed the application process you will be asked to pay your first monthly membership payment. Though this may seem like a premium it is not a premium. Premiums are used in conjunction with actual insurance programs and not with health discount programs. In order to receive the discounts offered by the program that you choose, you will need to pay a monthly membership fee. When you have completed the application process you will pay your first monthly membership fee and be sent your membership packet. Once you receive your membership packet you may begin to use your membership benefits through the network providers.