Who is CardCare Health?
CardCare Health Powered by AmeriPlan is a Discount Medical Plan Organization (DMPO). We arrange for our members to have access to medical, dental, vision, chiropractic and pharmaceutical providers who have agreed to offer their services at negotiated discounts off their usual and customary fees.
How do I use the program?
Within 10-14 days of receipt of your application at corporate headquarters in Plano, TX, you receive your Membership Identification card(s). Your Membership Guide and a temporary downloadable membership card is located in your member portal. Present your Membership ID card to any CardCare Health provider and you will receive discounted fees. You pay the provider at the time of service.
What is the waiting period?
There is no waiting period before you can start using the plan benefits! And, there are instant savings, no paper work to fill out, and no limits on visits to your providers! However, you must allow 3 business days after the activation of your Deluxe Plus membership to begin using the Hospital Benefit!
Are ongoing dental/medical problems (conditions) included?
Since CardCare Health is not insurance or a health organization, ongoing medical/dental problems (conditions) may be accepted except for orthodontic treatment in progress. Reduced fees will not be honored if dental treatment is already in progress or if the patient's membership is no longer valid.
Do members receive a fee schedule?
Yes, for dental care. Dental fees vary by area.
Will the member's privacy be protected?
CardCare Health is compliant with all HIPAA regulations.
How much of a discount do Dental Plus members get on dental fees?
Members can save up to 85% on all restorative and cosmetic work (fillings, crowns, braces, etc.) and up to 80% on preventative work (teeth cleaning, x-rays, etc.) performed by a general dentist. Specialist fees are discounted up to 25%.
How is the discount calculated?
The rates that the provider charges are based upon either a set fee schedule that the provider has contracted, or as a percentage off of their billed charges. In general, discounts will vary upto 80%. Labs and diagnostics will have discounts of up to 80%.
How much is the program membership fee? How do I pay?
The Dental Plus and Telemedicine Plus membership are only $19.95 per month each for an entire household! Or, $39.95 for the Deluxe Plus membership! A household membership includes all residents in the household including parents, children, relatives, significant others and all permanent residents of the household! Monthly payments are made only by debit or credit card. Invoicing is done only for annual memberships paid one year in advance.
How much more do the Pharmacy, Hearing, Vision and Chiropractic programs cost?
These services are included in both Dental Plus and Deluxe Plus for the $19.95 (Dental Plus) or $39.95 (Deluxe Plus) monthly fee. The Prescription Drug program is included with both the Dental Plus, Telemedicine Plus and Deluxe Plus memberships.
Who are the Medical, Dental, Prescription Drug, Vision and Chiropractic Care providers?
CardCare Health has assembled one of the largest networks of providers in the country and we are constantly adding to this base. Our network has hundreds of thousands of medical practitioners and more than 100,000 dentists and 12,000 vision care providers, approximately 65,000 pharmacies and more than 7,500 credentialed chiropractors.
How do I locate a CardCare Health Powered by AmeriPlan provider?
There are two ways to locate a provider:
How do I use the CardCare Health Prescription Program?
We use a Pharmacy Discount Prescription Program located at the Rx Free Drug Card Website.
Try Our Prescription Price Lookup Rx Tool »
Are providers reimbursed by CardCare Health for their services?
No. As with all of our health programs, the provider receives the full discounted fee from the member at the time services are rendered.
Why would a medical professional participate in the CardCare Health Consumer driven Health Care Program Dental Plus and Deluxe Plus?
There are many reasons. Some of the most important are:
Can the CardCare Health programs be used with Medicare/Medicaid?
No. By accepting Medicare or Medicaid, physicians are paid a discounted amount; they cannot further discount their fees by accepting CardCare Health.
Can CardCare Health programs be contracted on an annual basis and cancelled at any time?
Yes.
Does a CardCare Health program include hearing tests and hearing aids?
Yes. Hearing Services will be included in the Dental Plus program.
Can the CardCare Health programs be used in conjunction with health insurance plans?
Yes, but it is at the healthcare provider’s discretion whether to accept both. A member's insurance should always be the primary form of payment. Some insurance plans require providers to agree to provide services at already discounted rates. If this is the case the provider is unable to further discount the fees and the CardCare Health discount will not be applied.
Are there programs for emergency services?
Yes. Emergency services may or may not be contracted with the CardCare Health Deluxe Plus program. Depending on the extent of the charges, these services may be eligible for the Hospital Benefit.
Can you briefly describe the Hospital Benefit Program?
The Hospital Benefit program is designed to help members with their medical bills whenever a single hospital visit totals $1,500 or more. (For the insured, this means the amount you are personally responsible for, aside from your deductible.) Charges can be incurred from multiple providers. The patient advocate negotiates on behalf of the patient and pursues a wide range of options, from government entitlement programs to payment plans. There is a waiting period of three business days from the active date of your membership to utilize this program.
Does the CardCare Health member have a choice of which hospital will be used?
Yes.
Are prior hospital bills accepted?
Yes. prior hospital bills can be negotiated for $250 non-refundable fee.
* If you cannot find the answer to your question on this page, please contact Customer Support at 800-647-8421 Monday thru Thursday between 8 am to 5 pm and Friday 8 am to 4 pm Central Time Zone.
CardCare Health® PROGRAMS ARE NOT INSURANCE!