Frequently Asked Questions

What is the difference between a Health Insurance Plan and a Medical Discount Plan?

Health Insurance Plans pay medical providers for your medical services most have deductibles and require co-payments paid at time of services. A Discount Medical Plan Organization is has established agreements with Healthcare professional to accept a negotiated fee at the time the service is preformed , the provider receives on the payment given by the DMPO member, nothing more. MEDPLAN is NOT INSURANCE, the plan provides discounts at certain health care providers for medical services. the range of discounts will vary depending on the type of provider and service, the plan does not make payments directly to the providers of medical services, plan members are obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with MED PLAN discount medical plan organization. Before see a provider, you may access a list of participating health care providers at this website. upon request the plan will make available a written providers directory list of participating health care providers, you have the right to cancel within the first 30 days after receipt of membership materials and receive a full refund, less a nominal processing fee



Med Plan can never have DEDUCTIBLES because this is not Insurance. MED PLAN is a Medical Discount Program


What about a person with pre-existing conditions ?

Med Plan does not have any of these limitations because MED PLAN is a Medical Discount Program and not an Insurance plan or coverages.


How soon can I start using the plan benefits?

With Med Plan you can start using the benefits right away, once you enroll.


How many times a year can I use the plan benefits?

With Med Plan you can see your medical provider as many times as you need no restrictions.there are no limits as to how many times you use your benefits at all.


Is there any claims paperwork to fill out?

Med Plan has no claims to fill out because MED PLAN is a Medical Discount Plan and not Insurance.


Will I need a referral to see a Specialist or pre-approval for a medical procedure?

With Med Plan you DO NOT need any pre-approval to get a procedure done nor a referral from your Primary Care Physician to see any Specialist, because MED PLAN is not Insurance but a Medical Discount Program.


How do I make a Doctors or Specialists appointment?

You have three options:

Look up the desired Doctor or Specialist in your Med Plan Provider Directory and call them yourself.

Go to your Med Plan Website at: and click on Provider Search.

or Call our Med Plan Members Services telephone at: 305-262-1610 , Mon-Fri. 8:30 am to 4:00 pm.