Reviewed by My Health Savings Plans · Updated July 15, 2026
Dental Plus, TeleHealth Plus, and Deluxe Plus are discount health memberships, not insurance. The clearest way to choose among them is to begin with the household’s primary need, then verify the current written benefits, providers, price, availability, and enrollment terms.
This guide is a decision map, not a replacement for plan documents. Benefits and availability can change, and actual savings depend on the provider and service.
Start with the primary need
| If the household mainly wants… | Start by reviewing… | Then verify… |
|---|---|---|
| Dental savings with related everyday discount categories | Dental Plus | Dentists, fee schedule, household definition, pharmacy and vision participation |
| Convenient remote clinician access | TeleHealth Plus | Visit access, household eligibility, supported locations, fees, and prescribing terms |
| A broader bundle that adds chiropractic and medical bill support | Deluxe Plus | All participating providers plus bill-support eligibility, timing, process, fees, and limits |
Choose Dental Plus when dental drives the comparison
Start with Dental Plus when expected dental use is the household’s strongest reason to join and the preferred dentist participates in the exact program. Do not rely on a network total or percentage alone. Request the current fee information for likely services and calculate the annual membership plus treatment cost.
The dental cost-comparison guide explains how to verify offices and estimates. If you are also comparing a policy, read Dental Savings Plan vs. Dental Insurance.
Choose TeleHealth Plus when remote access is the main goal
Start with TeleHealth Plus when the main need is access to remote clinicians for concerns that are appropriate for phone or video care. Confirm how visits are requested, which household members may use the service, whether separate visit fees apply, where clinicians are available, and how prescriptions are handled when medically appropriate.
Telehealth is not a substitute for insurance, emergency services, testing, or necessary in-person care. Read Telehealth Plan vs. Health Insurance before treating access as coverage.
Choose Deluxe Plus only when the added categories have value
Start with Deluxe Plus when the household expects to use the broader set of discount categories and has verified relevant providers. Pay special attention to medical bill support: ask which bills qualify, when the service becomes available, how help is requested, whether fees or thresholds apply, and what outcomes are not guaranteed. Bill advocacy does not itself pay a hospital bill or create insurance coverage.
Use a final four-part check
- Need: Which one or two benefits will the household realistically use?
- Access: Did the relevant provider, pharmacy, or service confirm participation?
- Cost: What is the full annual total, including membership and expected service charges?
- Limits: Which services, locations, start dates, or outcomes are excluded or uncertain?
Complete the Family Medical Savings Plan Worksheet, then review the pre-enrollment due-diligence questions. When you are ready to verify the current offering, use the plan page or contact My Health Savings Plans.
Official sources
- Federal Trade Commission: insurance vs. medical discount plans
- Telehealth.HHS.gov: using telehealth
- CMS: medical billing rights
Important: These programs are not insurance or IRS HSAs. Confirm current terms, providers, geographic availability, prices, and limitations before enrolling.