ChiroHealthUSA FAQ for Patients

Question: What is a DMPO (Discount Medical Plan Organization)?

Answer: A discount medical plan is a plan that offers discounts on health care services and may allow you and your dependents to save money on services not covered by your health insurance plan. Our company and DMPOs are typically regulated by the Department of Insurance in most states. Discount Medical Plans have been around for many years. They are often owned and operated by insurance carriers. For example, Sam’s Club has Healthy Allies, and uses United Health Care based networks. Cigna and Aetna also operate their own DMPOs. ChiroHealthUSA is somewhat unique in that it is privately owned and does not contract with any managed care organizations.

Question: How does membership in ChiroHealthUSA and ChiroHealthUSA-PLUS help the patient?

Answer: Discount plans can be beneficial to consumers looking to save money on health care costs. These plans offer savings to plan members on various health care goods and services such as prescription drugs, doctor visits, eye glasses, vision care, dental services and lab tests through arrangements between participating health care providers and the organization offering the discount plan. ChiroHealthUSA is NOT HEALTH INSURANCE AND SHOULD NOT REPLACE HEALTH INSURANCE.

HOW DISCOUNT PLANS WORK

Discount Medical Plans contract directly or indirectly with health care providers or provider networks to provide medical services at a discount to plan members.  

To become a plan member, you may have to pay fees, dues or other financial consideration to the discount plan organization. In exchange for the fee, you receive a discount, provided that you go to a participating health care provider and receive a service or product that is covered by the plan. Fees and discounts on services will vary. 

Each discount plan provides a plan member or plan member’s dependents a discount card.

Members present the card to participating providers to receive discounted services, supplies, and related care. The discount card includes:

• a statement that the discount medical plan is not insurance;
• information identifying the discount medical plan organization and/or the provider networks that participate with the discount plan; and
• the telephone number that the plan member may call for assistance.

A discount medical plan organization notifies a plan member when there is a material change in plan benefits or with the information contained on the card. If changes warrant, the discount medical plan organization re-issues the discount card(s).

WHAT YOU SHOULD KNOW ABOUT DISCOUNT PLANS

Disclosures :

ChiroHealthUSA - This is NOT INSURANCE

The plan provides discounts at certain healthcare providers for medical services. The member is obligated to pay for all healthcare services, but will receive a discount from those health care providers who have contracted with the Discount Medical Plan Organization:

Alliance HealthCard of Florida, Inc.   P.O. Box 610810   Dallas, TX 75261         1-888-719-9990

You have the right to cancel your membership at anytime. If you cancel your membership within 30 days of receiving your membership card and the membership materials, you are entitled to a full refund of your membership fees. Please notify the plan operator to obtain any refund due. Any complaints should be directed to Alliance HealthCard.

ChiroHealthUSA - PLUS: This discount medical, health and drug plan is NOT insurance, a health insurance policy or a Medicare prescription drug plan.

The Plan provides discounts for certain medical services, pharmaceutical supplies, prescription drugs or medical equipment and supplies offered by providers who have agreed to participate in The Plan. The range of discounts for medical or ancillary services offered under The Plan will vary depending on the type of provider and products or services. The Plan does not make and is prohibited from making members’ payments to providers for products or services received under The Plan. The member is required and obligated to pay for all discounted prescription drugs, medical and pharmaceutical supplies, services and equipment received under The Plan, but will receive a discount on certain identified medical, pharmaceutical supplies, prescription drugs, medical equipment and supplies from providers in The Plan. The Plan is operated by Alliance HealthCard of Florida, Inc., P.O. Box 610810, Dallas, TX 75261. You may call 1-800-220-7752 for more information or visit our provider lookup for a list of providers. The Plan will make available before purchase and upon request, a list of program providers and the provider’s city, state and specialty, located in the member’s service area. The Plan does not offer a discount on hospital services. The fees for The Plan are specified in the membership agreement. The Plan includes a 30 day cancellation provision.