Rita Torres of Health Care Partners says her uninsured program isn’t a medical discount plan. As she describes it, it definitely isn’t like most. Medical discount plans — also known as health discount plans — are programs that offer their members a discount on certain medical services. They typically do so by buying into preferred provider organizations networks established by conventional insurance companies. Thus, the member gets the same discount on their claims that a participating insurance company would get. But medical discount plans are not insurance.
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