A non-government site powered by Health Insurance Associates, LLC., a health insurance agency.
Intergenerational family on beach

Compare plans from top companies.

Prudent Choice Health Insurance Company

Prudent Choice Health Insurance Company is trademarked under the name of PrudentChoice™ and is partnered with Careington. While Prudent Choice is not a health insurance company, it is a discount healthcare program.

It is important to under stand that Prudent Choice healthcare discount cards are NOT health insurance and are NOT intended to replace a full major medical health insurance plan but rather are designed to supplement existing coverage or act as an option of last resort for those who are unable to purchase a true full coverage health insurance plan.

Read through this Prudent Choice review, take a look at the reviews of Prudent Choice left by customers of Prudent Choice at the bottom of the page, and then use the free tool on the side of this page to compare free health insurance quotes from top health insurance companies online.


Careington is the network administrator of Prudent Choice Health Insurance Company’s 700,000 providers. Discounts can add up to 50% in savings on various healthcare services.

As a discount healthcare program, PrudentChoice™ offers comprehensive savings by pre-arranging negotiated services with providers in the network. Since it is not health insurance, no one is denied participation and pre-existing conditions are of no consequence. The plan does not involve any deductibles and member savings will vary by doctor, services provided, and the state of the service area. There are no limits to the discounts that participants can receive. Once you enroll and receive your membership card, simply call PrudentChoice™ to confirm your provider is in the network.

Your fee for the services provided will be at a discounted rate, which you will simply pay at the time the service is rendered. There are no forms to complete or claims to process. Since there is no paperwork, there will be no record of your medical history on file at PrudentChoice™. With this health care program there are no contracts, so you may cancel your enrollment at any time without penalty. Furthermore, PrudentChoice™ offers a money back guarantee which refunds your first month’s fee provided you cancel within 45 days. The one-time processing fee, however, is not refundable.

PrudentChoice™ Healthcare Plans

The healthcare plans offered by PrudentChoice™ are available for either individuals or families. If a family plan is purchased, the discount card is good for all of the members in the household. Your savings can range from twenty to 45% for medical services, 15% to 40% for prescription drugs, 20% to 50% on dental services, 20% to 40% for vision services, and 10% to 30% savings for services rendered by a chiropractor. If mediation services are included in the plan, you may benefit from additional savings by having a professional bill negotiator try to reduce balances on your prior medical bills. You may need to pay a refundable deposit of up to $250 up front for the service, but there is no charge if the negotiator is unable to offer you savings above the deposit amount.

PrudentChoice Plus™ offers discounts for chiropractor services, dental services, medical care, vision, and pharmaceuticals for both retail and mail order pharmacies. The pharmacy discount is not a Medicare Part D plan. It also includes mediation services and a free nurse hotline that is available twenty-four hours a day, seven days a week, every day of the year. A typical cost for an individual on this plan is $59.99 per month plus a non-refundable one time processing fee of $69.00. A family plan may cost $79.99 and also has an additional non-refundable one time processing fee of $69.00.

DentalChoice Plus™ is a less inclusive healthcare savings program that is offered for a lower monthly fee. Discounts are offered for chiropractors, dental services, vision care, and pharmaceuticals for both retail and mail order pharmacies. Just like with the PrudentChoice Plus™ plan, this is not a Medicare Part D plan. The individual plan is available for approximately $14.99 per month and the family plan costs around $19.99 per month. Both the individual plan and the family plan have an additional one time processing fee of $30.00 that is not refundable in case of cancellation.

Some of the processing fees vary by state, such as in Florida and Washington the rates for the PrudentChoice Plus™ plan are monthly fees of $29.99 for an individual and $29.99 per family. Either selection has a onetime non-refundable fee of $30.00. PrudentChoiceDental Plus™ is $14.99 per month for an individual and $19.99 per family with a $30 onetime non-refundable fee. In Texas, the PrudentChoice Plus™ plan costs $59.99 per month for an individual and $79.99 per month for a family with a $59.00 onetime non-refundable processing fee. The PrudentChoiceDental Plus™ will cost an individual $14.99 per month and a family $19.99 per month. Both the individual and the family plan entail a onetime non-refundable processing fee of $30.0 PrudentChoice™ is not available in California, Illinois, Montana, or Vermont.

As an alternative to health insurance or even a supplement to health insurance, PrudentChoice™ may be an option for consideration. A recent poll by Modern Health Care Magazine rated PrudentChoice as the best among its competitors for added values, effective pricing, quality, and service. Discount healthcare programs, also known as medical discount programs, are becoming more popular choices in health care management systems to help reduce some of the out of pocket costs. Whether it is used as a standalone financial management health care tool, or as a supplement to health insurance plans, the additional savings may pay for itself over time.

Compare Health Insurance Providers

If you still want some more options to consider, try using the rate tool on this page. This will let you see how health insurance plans, costs and benefits compare to those of this discount plan. To start comparing savings on health insurance plans now, just enter your zip code above!

2 Comments to “Prudent Choice Health Insurance Company”

  1. Linda Stevens says:

    “Since July 2009, $49.95 a month was deducted from my checking account without authorization from Careington, the money manager for Prudent. When I called to complain, I received a partial 4-month refund but the entire amount should have been considered since they can not show in any way that I could have signed up for this.

    In addition, I was also not given any membership card or information on the program they offer. Don’t know why they could just keep deducting from my account. Isn’t it considered fraud? They keep saying they will call me back on this, but I have not heard and the communication started in first of June. It is upsetting.”

  2. steve says:

    “Prudent Choice Health Plan is a TOTAL RIP OFF.

    After receiving your money for sign up and monthly service charge, no services can be rendered or completed because of the telephone. This company in California has been issued a cease and desist order from the state of California.

    This company has received a fax from me for a complete refund of $179.00, and the company has not responded or paid the amount for no services. Customers in Colorado need to contact the Colorado Attorney General because the Colorado Department of Insurance states that this private company is not an insurance company and has to be dealt with through the Colorado Attorney General.

    These companies can then re-open under another name and continue to rip off all of America on the health plan circuit. DO NOT BUY ANY PrudentChoice Health Plan. The Network discount healthcare discount program is a complete rip-off.

    If you have purchased this health plan contact your attorney general immediately for your state and file a complaint. Write and demand a full refund from PrudentChoice,LLC 2040 Main Street Suite 700 Irvine CA 92614. We need better regulation for this kind of consumer rip off. It is nation wide.”


Leave a Reply

Your email address will not be published.