Health And Dental Discount Plans (ppo)....

We hear the word "scams" and "waste of time" all the time... And precisely in this situation about health and dental discount plans. Many of them, perhaps, are a bunch of wise scammers who are desperately trying to run a huge number of customers with a big promise of discount and with a plan to shut down when they've made enough money and when the word "scam" reaches their department. So i'm somewhat aware of the ongoings in many of these so-called discount plans companies.

So my questions is: are there actually any legit and fairly reasonable ppo (health discount) companies? (and that have good reputation:)) has anyone out there with a legal background possibly already looked into this matter and has some advisable info?

To the best of all of us!