State RegulationsFL specificDifficulty 2/5
A Florida consumer buys a discount medical plan membership and then visits a participating physician. What does the consumer actually receive from the plan?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Florida law, with the Office of Insurance Regulation regulating these organizations, a discount medical plan membership gives the consumer only the right to pay the discounted fees that participating providers have agreed to charge; the consumer remains personally responsible for the resulting bill. No claims are paid, no insurance is issued, and no HMO-style service package is delivered, which is exactly the consumer-protection point Florida stresses for these products.
Why the other options are wrong
- B) The plan pays nothing toward the bill; payment of medical expenses is the function of insurance, which a DMPO is not.
- C) A discount card is not a guaranteed issue insurance policy; no coverage is issued at all.
- D) An HMO delivers a comprehensive package of basic health services; a discount plan delivers discounted fees only.
Memory hook
Discount card = lower price, still your bill.