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Medical Savings Program
Save up to 25% on medical costs
Now, you and your family can save thousands of dollars a year on doctor visits, hospital stays, lab work - and more - with the National Health Discount Shield Care's Savings Program coverage
The cost of medical treatment has never been higher. And the prices continue to rise. The average cost of a doctor's office visit is now more than $150. A single day in the hospital can cost 10 times that much. Or more. And lab work ranges from $50 for simple blood tests to nearly $2,000 for an MRI. Yet fewer than six of 10 patients now have full health insurance coverage.
No wonder more and more Americans are turning to National Health Discount Shield to help cut the costs of medical treatment. Dramatically. With National Health Discount Shield, you can reduce your treatment costs by up to $1,200 a year, or more. And your family's costs by thousands of dollars a year.
National Health Discount Shield Physician Savings
With National Health Discount Shield, you can save up to 25% and more at over 350,000 doctor's locations throughout the country, including family physicians and specialists.
Now you can receive savings each and every time you visit one of our physicians through the same arrangements insurance companies have used for years. Our Network of physicians offers Members savings by using an automated re-pricing system.
Members simply locate a POS Network Provider, make an appointment, and present their Membership Card at the time of service. Physicians will call a toll free number and enter the Member's information. The repriced amount is calculated in seconds, and the Physician will collect the reduced amount, in full, from the Member. It's that simple…
We'll even send you detailed instructions which explains to the Physician how the plan works and how they can easily re-price the procedures.
As a National Health Discount Shield Member, you also save on procedures rarely covered under conventional health insurance plans such as infertility, cosmetic surgery procedures, and more.
| Point-Of-Service Sample Savings |
| State |
Procedure |
Original
Charge |
Member
$ Savings |
Average
% Savings |
| TX | Office Consult - Otolaryngology | $60.00 | $30.09 | 50% |
| IL | Office Consult - Family Practitioner | $78.00 | $15.60 | 20% |
| TX | Office Consult, New Patient - Plastic Surgeon | $300.00 | $175.00 | 58% |
| FL | Office Consult - Family Practitioner | $120.00 | $35.15 | 29% |
| CA | Office Consult - OB/GYN | $150.00 | $101.22 | 67% |
| NV | Office Consult/Lab Work - Family Practitioner | $226.00 | $45.20 | 20% |
| AZ | Office Consult, New Patient - Cardiologist | $326.00 | $153.73 | 47% |
| TX | Colonoscopy - Surgeon | $1040.00 | $366.60 | 35% |
| IL | Office Consult/Lab Work - Pediatrician | $110.00 | $22.00 | 20% |
| FL | Office Consult - Family Practitioner | $120.00 | $35.15 | 29% |
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Even More Physicians - With the National Health Discount Shield Expanded Network.
In the event you can't find your favorite physician, or one close-by, you can also access our Expanded Network of providers. By obtaining pre-certification you can access over 450,000 additional physician locations nationwide (in addition to point-of-service network providers above). Just ask...
The Expanded Network does require a referral and the customer must be able to guarantee payment with a credit card or other approved method.
National Health Discount Shield Expanded Network
| Expanded Network Physician Savings |
| Case # |
State |
Procedure |
Original
Charge |
Member
$ Savings |
Average
% Savings |
| 990671002 | AZ | Internal Medicine - Office Visit & Skull X-Ray | $171.00 | $30.00 | 18% |
| 2101880001 | CA | OB/GYN - Annual Check-up | $278.00 | $98.78 | 36% |
| 9910710030 | WA | Neurology - Initial Work-up | $546.00 | $140.00 | 26% |
| 2005710001 | IL | Otolaryngology - Initial Office Visit | $143.00 | $47.00 | 33% |
| 20020100009 | AZ | Radiologist | $300.00 | $112.90 | 38% |
| 20020700002 | NV | Family Practice- Office Visit | $69.00 | $21.68 | 31% |
| 9908710005 | GA | Family Practitioner - School Sports Physical | $138.00 | $29.00 | 22% |
| 2006710003 | NJ | Dermatologist - Removal/Biopsy of Lesions | $580.00 | $170.00 | 29% |
| 20020500002 | OH | Emergency Room Physician | $162.00 | $50.37 | 31% |
| 2101880002 | NY | Gastroenterology - Office Visit / Testing | $345.00 | $66.51 | 19% |
| 2007880001 | CO | Podiatry - Foot Surgery | $1475.00 | $520.45 | 35% |
| 200204000010 | FL | Family Practice - Office Visit | $119.00 | $29.54 | 25% |
| 9910710025 | AZ | Internal Medicine - Office Visit | $270.00 | $96.00 | 36% |
| 9908710004 | TX | OB/GYN - Annual Check-up | $283.00 | $68.00 | 23% |
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Expanded Network Facilities
Your National Health Discount Shield savings extend beyond the doctor's office into the laboratory. You save up to 25% and more on x-rays, MRIs, Radiology, Ultrasounds, etc., at more than 75,000 ancillary medical service centers.
The Expanded Network Facilities do require a referral and the customer must be able to guarantee payment with a credit card or other approved method.
| Facility Savings |
| Case # |
State |
Procedure |
Original
Charge |
Member
$ Savings |
Average
% Savings |
| 20020900019 | TX | MRI, with and w/o Contrast | $1950.00 | $950.00 | 49% |
| 2101880006 | AZ | Urinalysis (2 tests) | $47.80 | $17.47 | 37% |
| 2007880003 | NJ | Pathology | $351.00 | $67.72 | 19% |
| 20020900021 | FL | Lab Work | $144.00 | $50.89 | 35% |
| 9908710009 | GA | Cytopathology | $60.00 | $13.78 | 23% |
| 2007990006 | CA | CT Scan | $935.00 | $395.40 | 42% |
| 2002550025 | FL | Blood Work | $95.00 | $26.20 | 28% |
| 9912710033 | TX | Level IV Pathology / Biopsy | $101.00 | $22.64 | 22% |
| 9912710036 | FL | STD Testing | $135.25 | $26.95 | 20% |
| 2012880025 | FL | Radiology - Spinal | $203.00 | $94.45 | 47% |
| 2101880005 | AZ | Lab Work | $284.05 | $117.41 | 41% |
| 2001710048 | FL | CAT Scan - Lower Extremity, w/o Contrast | $600.00 | $122.40 | 20% |
| 2011510076 | AZ | Radiology | $804.00 | $154.31 | 19% |
| 20020600004 | FL | Ultrasound | $525.00 | $200.79 | 38% |
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Expanded Network Hospitals
Your National Health Discount Shield program also helps you and your family save substantially on hospital visits. You can now save up to 25% and more at 70% of the hospitals in the United States. And, there are no limits on the number of visits or the length of stay.
The Expanded Hospital Network does require a referral and the customer must be able to guarantee payment with a credit card or other approved method. Estimates which exceed $2,000 require certified funds deposit.
Hospital Network
Sample In-patient Hospital Case Savings |
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SAMPLE CASE #1:
A Member in California was taken to the hospital in cardiac arrest. After the Member was stabilized, surgery was performed (angioplasty) to stabilize the Member's condition. The total length of the hospital stay was 4 days.
| Total Charges: $50,291.02 | Total Savings: $26,325.81 | Total % Saved: 50.8% |
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SAMPLE CASE #2:
A Member in Arizona went to the emergency room of a participating hospital and was diagnosed with appendicitis. The Member received an emergency appendectomy and was in the hospital for two days. Charges submitted included claims from the hospital, as well as the ER physician, surgeon, anesthesiologist, and pathologist.
| Total Charges: $16,157.00 | Total Savings: $6,775.43 | Total % Saved: 41.9% |
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SAMPLE CASE #3:
A Member in New Jersey was in need of preventative surgery. While the Member's selected surgeon was not a participating provider, the hospital was, and aCase Manager worked with the surgeon's office to find a participating lab and anesthesiologist recommended by the surgeon.
| Total Charges: $10,623.00 | Total Savings: $3,853.65 | Total % Saved: 36.3% |
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SAMPLE CASE #4:
A Member in California inadvertently put their hand through a window and went to the emergency room of a participating hospital. In addition to the hospital and radiology bills, International Med-Care provided savings for the Member on their follow-up needs with a plastic surgeon.
| Total Charges: $3,931,64 | Total Savings: $1,092.86 | Total % Saved: 27.8% |
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SAMPLE CASE #5:
A Member in Texas was pregnant and called to make arrangements for the delivery. After determining the potential savings for the Member, certified funds were deposited, and a referral was sent out to the hospital. The Member delivered a beautiful baby girl.
| Total Charges: $4,532.88 | Total Savings: $1,781.71 | Total % Saved: 39.3% |
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SAMPLE CASE #6:
A Member living in a small town in Arizona needed to have kidney stones removed, but had limited funds to work with. Because there was only one hospital in their area, the estimated charges were very high ($20,000 outpatient), with limited potential savings (15%). The Member indicated a willingness to have the procedure performed in a larger city. The Member's doctor provided a referral to a surgeon in Tucson who recommended a two day, in-patient procedure.
| Total Charges: $14,490.07 | Total Savings: $7,771.84 | Total % Saved: 53.6% |
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SAMPLE CASE #7:
A Member in California was scheduled for back surgery at a hospital specializing in orthopedic surgeries. The Member was in the hospital for five days. The savings below represent the hospital stay only. Additional savings were obtained on physician and lab bills.
| Total Charges: $25,341.60 | Total Savings: $12,894.04 | Total % Saved: 50.9% |
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The above samples represent the actual savings of Members. However, savings vary by region, provider and the panel through which the provider was accessed. Comparable savings are not guaranteed.
Patient Advocacy
Occasionally, especially in cases of catastrophic injury or illness, a Member is unable to guarantee payment for hospital care. Should that occur with you or a member of your family, a National Health Discount Shield Patient Advocate will work with you to determine eligibility for public and private assistance, and/or to help negotiate payments. -- (moved from hospital section)
The National Health Discount Shield Medical Advocacy services are dedicated to assisting the uninsured or underinsured to responsibly resolve their larger (over $5,500 for one provider) medical bills. Our provider researches the availability of and helps provide access to:
- Governmental programs
- Grants and foundations
- Private entitlement programs
Even with savings available on physician and other health care services, many people are often still unable to pay their medical bills. In addition to locating potential sources of funding to assist with medical bills, the provider will attempt to negotiate discounts, payment plans, and secure discounts in advance of services. This service is provided on a case-by-case situation based on best efforts (no guarantees are implied).
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