Physicians Health Group
nikolas812
Posts: 2,915
Anybody heard of Physicians Health Group?
I'm 25 and healthy and very rarely ever go to the doctor. Maybe once every three years. But thats mainly because I don't have insurance..
They called me today and said they could offer me health benefits (not insurance) for $69.00 a month. Is this good. I would like to have insurance so I thought I might look into it..
This is the email he sent me about the coverage.
** RECEIVE AVERAGE DISCOUNTS OF 45% AT THOUSANDS OF PARTICIPATING PROVIDERS NATIONWIDE**
Family Premium: $69.95 per month locked in for life!! Covers everyone in the entire household!!
(one time activation fee of $49.00 and one months premium of $69.95 for a total of $118.95)
PHYSICIANS SERVICES is through Private Health Care Systems
Receive discounts of up to45% and more on routine office visits, ancillary services, lab work, x-rays, and imaging centers
HOSPITAL NETWORK is through Galaxy Health Network
Receive discounts of up to 45% and more on pre-planned services and emergency visits at acute-care hospitals nationwide
DENTAL is through AETNA Dental Access
Receive discounts of up to 40% on services including general dentistry, cleanings, root canals, crowns, orthodontia, etc.
VISION is through Eyemed Vision Care
Receive discounts of up to 40% off retail price of eye exams, eyeglasses, contact lenses (both initial purchase as well as mail order replacements), and laser vision correction.
HEARING
Receive discounts of up to 60% on evaluations, exams, hearing aids, and follow up services
PRESCRIPTION DRUGS are through Caremark
Receive discounts of up to 55% on brand name and generic prescriptions, maintenance medications through a money saving mail order service, as well as automated refill services
NUTRITIONAL SUPPLEMENTS is through Wholehealth Network
Receive 25% discount on vitamins and nutritional supplements through Intregrative Therapeutics, Inc.
ALTERNATIVE MEDICINE is through Wholehealth Network & PHCS
Receive discount of up to 30% on alternative health care therapies, including diet and nutritional counselors, dieticians, acupuncturists, chiropractors, massage therapists, herbology and herbal medicine, holistic health practitioners, body work, nutritional supplements, reflexology, relaxation treatments, personal trainers, exercise specialists, biofeedback, etc.
24-HOUR NURSE HOTLINE is through Caremark, Optum
Call a nurse any time through this toll free service to receive prompt, confidential medical counseling to help you make informed decisions about your health and medical care you receive. (Note: these nurses cannot diagnose or provide treatment)
What do you guys think?
Nick
I'm 25 and healthy and very rarely ever go to the doctor. Maybe once every three years. But thats mainly because I don't have insurance..
They called me today and said they could offer me health benefits (not insurance) for $69.00 a month. Is this good. I would like to have insurance so I thought I might look into it..
This is the email he sent me about the coverage.
** RECEIVE AVERAGE DISCOUNTS OF 45% AT THOUSANDS OF PARTICIPATING PROVIDERS NATIONWIDE**
Family Premium: $69.95 per month locked in for life!! Covers everyone in the entire household!!
(one time activation fee of $49.00 and one months premium of $69.95 for a total of $118.95)
PHYSICIANS SERVICES is through Private Health Care Systems
Receive discounts of up to45% and more on routine office visits, ancillary services, lab work, x-rays, and imaging centers
HOSPITAL NETWORK is through Galaxy Health Network
Receive discounts of up to 45% and more on pre-planned services and emergency visits at acute-care hospitals nationwide
DENTAL is through AETNA Dental Access
Receive discounts of up to 40% on services including general dentistry, cleanings, root canals, crowns, orthodontia, etc.
VISION is through Eyemed Vision Care
Receive discounts of up to 40% off retail price of eye exams, eyeglasses, contact lenses (both initial purchase as well as mail order replacements), and laser vision correction.
HEARING
Receive discounts of up to 60% on evaluations, exams, hearing aids, and follow up services
PRESCRIPTION DRUGS are through Caremark
Receive discounts of up to 55% on brand name and generic prescriptions, maintenance medications through a money saving mail order service, as well as automated refill services
NUTRITIONAL SUPPLEMENTS is through Wholehealth Network
Receive 25% discount on vitamins and nutritional supplements through Intregrative Therapeutics, Inc.
ALTERNATIVE MEDICINE is through Wholehealth Network & PHCS
Receive discount of up to 30% on alternative health care therapies, including diet and nutritional counselors, dieticians, acupuncturists, chiropractors, massage therapists, herbology and herbal medicine, holistic health practitioners, body work, nutritional supplements, reflexology, relaxation treatments, personal trainers, exercise specialists, biofeedback, etc.
24-HOUR NURSE HOTLINE is through Caremark, Optum
Call a nurse any time through this toll free service to receive prompt, confidential medical counseling to help you make informed decisions about your health and medical care you receive. (Note: these nurses cannot diagnose or provide treatment)
What do you guys think?
Nick
Post edited by nikolas812 on
Comments
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Id read the fine print on any kind of insurance
PaulyLife without music would♭ -
You will be paying $877 a year, just to get a discount? Seems at your age, it would be cheaper to just pay cash. And what do you do if your service provider doesn't participate?
If you do have a real issue, you need insurance. For example, last year I had an MRI and a CAT scan, total charges were about $8000, even at 45% off, you would owe a ton of money. -
Very true.
I think I'll pass.
I was doing a little research and it looks like I can get actual insurance for about $50.00 a month from Anthem Blue Shield and others....
The only real reason for interest was I would like to get braces and maybe my back looked at. Neither I can really afford on my own...
Nick -
I’ve seen offers like that before, and they’re usually discount programs, not actual insurance. They can help you save on routine visits or prescriptions, but they won’t cover hospital bills, surgeries, or emergencies. I tried a similar plan once when I was between jobs — it was fine for checkups, but useless when I had a real medical issue.
If you’re generally healthy, it might be okay as a short-term option, but you should still look into a proper insurance plan that caps your out-of-pocket costs. Always read the fine print carefully and check whether local doctors actually accept the discount network. For comparison, https://premierpmi.co.uk/
has a few clear explanations on how medical benefit programs differ from full insurance coverage, which can help you spot the difference before signing anything. -
Personally, I'd walk away.
All the "discounts of up to xx amount of percent"....
Even what they may pay is a warning in itself. -
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