 |
|
 |
 |
| |
| |
|
| |
| |
| |
| |
| |
| What is a Health Care Savings Card? |
| It is a discount benefits plan consisting of NON-INSURANCE health care benefits that offers point of service discounts on products and services, free and discounted Legal Services, Worldwide Travel Assistance, Emergency Helicopter Transportation and discounts on a selection of lifestyle benefits. |
| Back to the Top |
| |
| |
| How do the benefits work? |
| Real Simple! You can either call the toll free phone numbers on your card or access our Website to locate participating health care providers in your area. When you’ve chosen a health care provider, our member services personnel will contact the Provider for you. You then present your card to the provider that you selected. You receive the contracted discount price and pay at the time service is rendered. However, if you are accessing a service such as the nurse hotline, mail order pharmacy, legal program, or world assist services, then simply call the number on your card or in your Benefits Guide and give your name, group number (if applicable) and your membership number to the representative. |
| Back to the Top |
| |
| |
| Is there a deductible? |
| No. There are no deductibles, no waiting periods, no pre-existing condition exclusions, reimbursements, etc. Everyone qualifies regardless of current or past health history. This program is not insurance. |
| Back to the Top |
| |
| |
| What kind of savings will this card give me? |
| On most products and services the discounts range from 10% to 60%. |
| Back to the Top |
| |
|
| Insurance companies exclude people for pre-existing conditions to contain costs. How can this program allow everyone to qualify? |
| Unlike insurance, there is no necessity for cash reserves because there is no risk. In exchange for giving a discount, providers join the network so that we will direct traffic to their business. |
| Back to the Top |
| |
|
| Who can use this card? |
| If you have a Single Membership, only you may use this card. If you have a Family Membership, then you and all your legal dependents may use this card. |
| Back to the Top |
| |
|
| How many times can I access the benefits? |
| Unlike insurance, utilization is encouraged because it directs traffic to participating provider locations. You may use the benefits as many times as needed throughout the year. There are no limitations on usage or annual savings. |
| Back to the Top |
| |
|
| When can I begin using my benefits? |
| You can use your card as soon as you receive it. |
| Back to the Top |
| |
|
| Can the discount work in conjunction with my insurance? |
| Depending upon your insurance, you may be allowed to pay for the services using your discount card and file claim to your insurance company. Check the terms of your insurance. |
| Back to the Top |
| |
|
| How do I know which health care providers are in my discount network? |
| You may visit our Website to locate a provider in your area, or call the toll free numbers listed on the back of your card, and a friendly representative will assist you. |
| Back to the Top |
| |
|
| Do I need my card to receive my discount? |
| Yes, you will need your card. The provider will only give you a discount when the card is presented at the time of service, but always call member services before setting any appointments to verify that a provider is still active with the program, we will even call that provider to tell them to expect your call. |
| Back to the Top |
| |
|
| How is this plan different from insurance? |
| Unlike insurance, this is a point of service discount plan. There are no deductibles, claim forms, waiting periods, pre-existing conditions or reimbursement. Just GREAT discounts at the time of service. You are required to pay the entire discounted bill at the time service is rendered. |
| Back to the Top |
| |
| |