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Frequently Asked Questions

1. Is This An Insurance Plan?
The Universal Health Card is not health insurance. It's an affordable Discount Medical Program that can be a solution to your healthcare needs. Universal's network providers are nationally recognized leaders in providing members with discounts on most of their medical needs. The Universal Health Card is not a replacement for insurance.

2. How Much Will I Save?
There are many factors that will determine how much you will save. Discounts can vary based on the treatment you receive, the provider you select and the state where you live. Our members can expect to save anywhere between 5% - 60% instantly on any visit to a provider within our network.

3. How Do I Receive My Discounts?
First you select a provider from within Universal's provider networks. Present your card when you arrive at your appointment or pharmacy, identify yourself as a member of the network, and you will receive your discount instantly when you pay for your services. There is no paperwork to complete and you receive your savings immediately.

4. Is There A Deductible?
No there isn't since the Universal Health Card is not insurance. You'll receive the discounted rate immediately at the time of payment.

5. Can I Join If I Have A Pre-Existing Condition?
Yes, because the Universal Health Card is not insurance you will not be turned down regardless of your current medical or health situation.

6. Is There A Waiting Period Before I Can Use The Universal Health Card?
You can begin using your card as soon as you receive your membership kit. You begin saving money the moment you begin using your card.

7. Can Anyone In My Household Use My Membership Card?
Yes. Universal will include all members of your immediate family; this means you, your spouse and all children currently living at home.

8. How Does The Provider Get Paid? Does Universal Pay The Providers For Me?
You pay discounted rates directly to the provider at the time the service has been completed unless you have made other arrangements with the provider. Universal does NOT pay the provider; payment is the member's responsibility.

9. Can A Member Cancel At Anytime?
Yes, simply contact Universal's customer service department to cancel at anytime. Once you call to cancel, your membership will terminate at the end of the month; your credit card will no longer be charged.

10. Is There A Co-Pay When I Visit A Provider?
No, the Universal Health Card is not insurance. You pay the provider the full discounted rate at the time you receive your services.

11. How Do I Find Out If My Doctor Is A Member Of Universal's Provider Network?
Participants can find providers in the Universal provider network by calling customer service using the toll free number listed in the membership kit and on the back of your membership card. You can also visit our website at www.universalhealthcard.com and click on provider search.

12. Will I Get A Regular Statement Outlining My Savings?
No, because the Universal Health Card is not insurance, and there are no forms to submit, Universal has no record of your healthcare appointments, treatments or savings.

13. How Do I Know I Am Getting A Discount On My Medical Services Or Prescription Drugs?
Healthcare providers in our network have agreed to provide special fee deductions for medical services and prescription drugs.

14. What Do I Do If The Health Care Provider Doesn't Know About The Universal Health Card Discount Program?
We have partnered with a third-party network provider called Careington International Corporation. A provider may not recognize Universal, but as a participating network provider for Careington, they should recognize the network name that's located on the back of your membership card. If the provider has any questions, have them call the customer service number on the back of your card.

15. Can I Get A Copy Of Your Cancellation Policy In Writing?
Yes, the cancellation policy is clearly spelled out in the membership kit's terms and conditions section. You can cancel your Universal Health Card membership at any time, for any reason without penalty; there are no long term obligations or contracts.

 
 
This plan is not insurance. This is not a Medicare prescription drug plan.*
This plan does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00. 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 the discount medical plan organization. You may access a list of participating health care providers at this website. Upon request the plan will make available a written 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 (nominal fee for MD residents is $5). Discount Medical Plan Organization and administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone 800-441-0380.
Note to Texas Consumers: Regulated by the Texas Department of Licensing and Regulation, P.O. Box 12157, Austin, Texas 78711; telephone 1-800-803-9202 or (512)463-6599 website: www.license.state.tx.us/complaints. The program and its administrators have no liability for providing or guaranteeing service by providers or the quality of service rendered by providers. *Medicare statement applies to MD residents when pharmacy discounts are part of program. This program is not available in Montana and Vermont.