OUR PATIENT ADVOCACY PROGRAM:

We routinely assist our members in receiving discounts of 15% to 50% over hospitals’ usual and customary fees. Included in most HealthCard Now plans, Patient Advocacy can also help to arrange convenient and easily affordable payment plans. And the best part is...Patient Advocacy can assist you with ANY hospital, ANYWHERE in the U.S.!

HealthCard Now

The rising cost of healthcare has left over 47 million people in our nation without health insurance. At Access Plans USA, Inc., we recognize the growing need to provide an affordable answer. That’s why we have created HealthCard Now, a program that offers a variety of healthcare programs – one to meet everyone’s needs.

The HealthCard Now Medical Discount Programs are a cost-effective way to save your entire family money on your healthcare expenses. We have negotiated discounts with some of the most reputable U.S. medical networks in order to offer you discounts on your healthcare needs. No one is denied, regardless of current health condition. You and your physician have control over your healthcare and we offer many programs to choose from. These programs provide options for those seeking a health plan and those wanting to supplement a current health plan.

The HealthCard Now Limited Benefit Plans, available through membership in America’s Health Care Consumer Association, provide your family with the protection of defined limited benefit insurance, including doctor visits, hospital visits, and more. Combine a limited benefit program with a medical discount program to truly save your family on healthcare expenses.

Products for Everyone!

  • Those who cannot medically qualify for health insurance
  • Those who cannot afford health insurance AND
  • Those who want to supplement their health insurance plans

Our Suite of Products includes:

  • Discount Medical Programs
  • Discount Pharmacy
  • Discount Dental and Vision
  • Medical Discount Programs with Defined Insurance Assistance
  • Limited Benefit Programs

To learn more about our products, click here.


Medical Discount Programs:

HealthCard Now Medical Discount Programs are NOT INSURANCE, but provide discounts at certain healthcare providers for medical services. The HealthCard Now discount program does not make payments directly to the providers of medical services. The member is obligated to pay for all healthcare services but will receive a discount from those healthcare providers who have contracted with Protective Marketing Enterprises, Inc. HealthCard Now makes available, before purchase and upon request a list of providers, including the provider’s name, city and specialty. Protective Marketing Enterprises, Inc. is the operator of the HealthCard Now medical discount program, with its corporate offices located at 4929 W. Royal Lane, Irving, TX 75063.

Medical Discount Programs with Defined Insurance Assistance:

Some HealthCard Now programs available in select states and which include additional defined insurance assistance are provided through membership in America’s Health Care Consumer Association (AHCCA), a national membership organization committed to helping consumers save money. For programs that include additional defined insurance assistance, all active members are automatically included under a group insurance policy as an added, separate benefit. Product features subject to change. Exclusions and limitations apply.


Limited Benefit Plans:

HealthCard Now Limited Benefit Plans are provided through membership in America's Health Care Consumer Association (AHCCA), a national membership organization committed to helping consumers save money. These services include a broad array of non-insurance products providing you significant savings.

The HealthCard Now Limited Benefit Plans are NOT traditional health insurance, basic health insurance or major medical insurance. However, these membership plans include added limited benefit insurance. Exclusions and limitations apply.

Access Plans USA