8/21/2025
Why This Matters
If you think you’re insured but only have a discount plan, you could face:
- Massive out-of-pocket costs in an emergency
- Denied claims for services you thought were covered
- Financial hardship from unexpected medical bills
How to Protect Yourself
- Review Your Plan Documents – Look for terms like “insurance,” “coverage,” or “policy.” If you only see “membership” or “discount program,” it’s not insurance.
- Check for a Policy Number – Real insurance policies have one.
- Ask About Regulation – Licensed insurance products are regulated by your state’s Department of Insurance.
Final Thought: Don’t rely on a fancy membership card that leaves you unprotected. Make sure you have actual insurance that will be there when you need it most.
Not sure what you were sold? Call or text (716) 503-1113 and I’ll review it for free.