How a Non-Traditional Discount Medical Plan Works
Sun Health & Dental is not health insurance — it’s something better. A licensed discount health plan that gives everyone in Florida immediate, affordable access to the care they need.
How the Sun Health & Dental Program Works
You Pay a Low Monthly Membership Fee — Not Premiums or Deductibles
Sun Health & Dental is a licensed Discount Medical Plan Organization (DMPO), not insurance. Instead of paying high premiums and meeting deductibles before anything is covered, you pay a small monthly membership fee (starting at just $40/month). In return, you get pre-negotiated, discounted fixed pricing at all contracted providers — you pay the provider directly at the reduced rate, and Sun Health does the rest of the heavy lifting by maintaining the network and securing those savings for you.
Anyone Can Join — Immediately, With No Waiting Period
Unlike traditional health insurance policies, there are no enrollment windows, no pre-existing condition exclusions, and no Social Security number required. U.S. citizens, non-citizens, undocumented immigrants, and anyone else can become a member at any time of the year and start using benefits right away. There is zero waiting period — which matters most when care is needed immediately.
Use It Alone or Alongside Existing Insurance to Fill the Gaps
Sun Health & Dental works as a standalone plan for the uninsured, or as a supplemental layer on top of ACA plans, high-deductible insurance, or Medicare. Members gain access to primary care, dental, vision, specialists, lab work, diagnostic imaging, telemedicine, pharmacy discounts, mental health services, urgent care, hospital visits, and even hospital bill negotiation — all at discounted rates that kick in the moment you’re a member.
What Makes Health Plan "Non-Traditional"?
Traditional health insurance works by collecting monthly premiums, requiring you to meet a deductible before benefits apply, and then paying providers on your behalf — all through a complicated claims process. Sun Health & Dental works entirely differently.
As a licensed Discount Medical Plan Organization (DMPO), Sun Health & Dental is regulated by the Florida Department of Insurance but operates outside the traditional insurance model. There are no claims to file and no reimbursements to wait for. Instead, contracted providers have already agreed to accept discounted fixed rates for members. You show your membership, receive care, and pay the discounted rate directly to the provider.
Traditional Insurance
- High monthly premiums
- Deductibles before coverage kicks in
- Open enrollment windows only
- Pre-existing condition limitations
- Social Security number required
- Complex claims & billing process
- Long waits for appointments
Discount Medical Plan
- Low monthly membership from $40
- Discounts apply immediately, every visit
- Enroll any time of year
- No exclusions for pre-existing conditions
- No SSN required — open to everyone
- No claims — pay provider directly at discount
- Fast appointments, often within days
How the Discount Medical Plans Actually Work
Sun Health & Dental has built a network of contracted providers across Florida who have agreed to offer members pre-negotiated rates. When you need care, you find a contracted provider, present your membership, and pay the discounted rate directly at the time of service. Sun Health does not pay your providers — that’s what makes it a discount plan rather than insurance — but the savings can be substantial compared to standard out-of-pocket costs.
Is This Plan Regulated?
Yes. Sun Health & Dental is licensed and regulated by the Florida Department of Insurance as a Discount Medical Plan Organization (DMPO). While it is not insurance, it operates under Florida law and is held to regulatory standards that protect members. The plan is administered at 15150 NW 79th Ct, Suite 201, Miami Lakes, FL 33016.
Who Benefits Most from This Type of Plan?
This model was designed to serve people who fall through the cracks of the traditional healthcare system — those who earn too much for Medicaid but can’t afford private insurance, undocumented immigrants who are excluded from government programs, self-employed individuals without employer-sponsored coverage, people who missed open enrollment, and those with high-deductible plans who need help managing everyday healthcare costs. It is also an ideal supplement for Medicare recipients who want additional dental, vision, and specialist access at lower cost.
Open to Everyone — No Exceptions
Sun Health & Dental has no eligibility requirements based on health status, immigration status, or income. If you live in Florida, you can join today.
- U.S. Citizens
- Non-Citizens
- Undocumented Immigrants
- DACA Recipients
- Self-Employed
- Small Businesses
- Medicare Recipients
- ACA Plan Holders
- Uninsured Individuals
- Families
- Couples
- Pre-Existing Conditions
What's Included in Your Membership
Primary Care
Dental Care
Vision Care
Lab & Blood Work
Hospital & ER
Urgent Care
Pharmacy Discounts
Telemedicine
Mental Health
Diagnostic Imaging
Specialists
Hospital Bill Negotiation
Simple, Affordable Monthly Plans
Individual
$40
per month
Full access for one person. No deductibles, no waiting period.
Couples
$45
per month
Family
$50
per month
Add dental care for just $15/month more. Mental wellness plans available from $59/month. See all plans →
Start Using Your Benefits Today
Disclaimer: Sun Health & Dental is not insurance but is licensed and regulated by the Florida Department of Insurance. Sun Health & Dental provides discounted, fixed pricing at all Contracted Provider locations. Sun Health & Dental Members pay for the services that are provided directly to the contracted provider. Sun Health & Dental does not pay providers directly for any services rendered. Sun Health & Dental assumes no liability or responsibility for any services rendered by contracted providers. Sun Health & Dental is a Licensed DMPO and is administered at 15150 NW 79th Ct Suite 201, Miami Lakes, FL 33016.