Those are small discounts against a large premium. A health insurance analogy would be: Customer A pays $100/mo because he gets an annual checkup and takes th

Those are small discounts against a large premium. A health insurance analogy would be: Customer A pays $100/mo because he gets an annual checkup and takes the medicines the doctor prescribes. Customer B pays $200/mo because he hasn't seen a doctor since college. Customer B could reduce his total out of pocket by $800 per year if he paid for the $400 visit.