Insured, But Still Paying Too Much? How Cost-Saving Benefits Can Help

You pay for health insurance every month, but when it comes time to use it, the costs can still be overwhelming. High deductibles, surprise medical bills, and gaps in coverage can leave you paying out-of-pocket expenses you weren’t expecting. Even everyday healthcare needs—like a quick doctor’s visit, a dental checkup, or a prescription refill—can strain your budget.

And when you travel, whether for work or leisure, unexpected costs can pile up even faster. A car breakdown, a medical emergency away from home, or last-minute changes to your plans could result in hefty expenses.

If this sounds familiar, you’re not alone. The good news? Cost-saving benefits like those offered by Alliance Health and Alliance Travel can help reduce these financial burdens. By taking advantage of discount programs, 24/7 support, and travel protection perks, you can avoid unnecessary costs while still getting the care and services you need.

Why Healthcare Costs Keep Adding Up

Even with insurance, many people find themselves struggling with:

• High deductibles and copays – Before insurance kicks in, you might have to pay thousands out of pocket.
• Limited coverage for essential services – Many plans don’t fully cover dental, vision, or mental health care.
• Expensive prescriptions – Medication costs continue to rise, and insurance doesn’t always cover everything.
• Out-of-network fees – Seeing a specialist or an urgent care center outside your plan can lead to unexpected bills.

How Cost-Saving Benefits Can Help

Programs like Alliance Health provide access to essential services –  with no, low or discounted rates, helping you save on medical expenses you’d otherwise pay out of pocket. Here’s how:

• 24/7 Telemedicine Access – Skip expensive urgent care visits with virtual consultations from licensed physicians anytime, anywhere. Alliance Health offers 24/7 access to a national network of U.S. board-certified physicians who use electronic health records, telephone consultations, and online video consultations to diagnose, recommend treatment, and write short-term prescriptions when appropriate- with no consultation fees or copays.
  
• Discounted Dental  Care – Save 5% – 60% savings on virtually all dental procedures with a Dental Discount Plan that allows unlimited access to care with no limits on the number of visits.
  
• Prescription Savings – Members save on 90-day supplies of maintenance prescription drugs delivered right to your door through the pharmacy discount mail order program.
  
• Mental Health Support – Take advantage of comprehensive mental health support with no-cost digital access and coaching, plus significant discounts on therapy and psychiatrist visits

Traveling? Don’t Let Unexpected Costs Catch You Off Guard

Traveling can present unforeseen challenges and expenses, from vehicle breakdowns to medical emergencies. The Alliance Travel plan offers a comprehensive suite of benefits designed to provide peace of mind and financial protection during your journeys.

Key Benefits of the Alliance Travel Plan

• Roadside Assistance – The Alliance Motor Plan (AMP) reimburses up to $125 per incident for up to two disablements per year, covering services like towing, jump-starts, lockout assistance, and more.
  
• Global Emergency Help – When you’re more than 100 miles from home, access 24/7 assistance worldwide for situations like lost luggage, translation services, hospital admissions, emergency medical evacuation, prescription assistance, and medical repatriation.
  
• Hotel Discounts – Members can save up to 22% on stays at participating Wyndham Hotel brands, ensuring comfortable accommodations at reduced rates.
  
• Car Rental Discounts – Enjoy savings of up to 20% on car rentals from major national brands, making transportation more affordable during your travels.
  
• Entertainment Discounts – Save up to 60% on entertainment, attractions, travel, and shopping at hundreds of retail partners through the Working Advantage partner portal, enhancing your travel experiences without breaking the bank.

Take Control of Your Healthcare and Travel Costs

No one should have to choose between their health and their finances, and no traveler should be caught off guard by unexpected expenses. With the right cost-saving benefits, you can take control of your budget without sacrificing the care and services you deserve.

By enrolling in Alliance Health and Alliance Travel, you gain access to exclusive discounts, expert support, and a financial safety net that helps you avoid high costs. Whether you need a doctor’s visit at home, a prescription refill on the road, or assistance in a travel emergency, Alliance benefits are there when you need them most.

Why Pay More Than You Have To?

Make smarter choices about your healthcare and travel costs today. Explore Alliance benefits and start saving now.

*These plans are not insurance. Benefit availability may vary by member state of residence. Limitations and restrictions apply.