 |
|
 |
 |
| |
| |
|
| |
| |
| |
| 1) I have HMO/Insurance coverage. |
| 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 |
| |
| |
| 2) My program gives me higher discounts. |
| 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 |
| |
| |
| 3) Is this Insurance? |
| 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 |
| |
| |
| 4) I’m Not Interested. |
| On most products and services the discounts range from 10% to 60%. |
| Back to the Top |
| |
| |
| 5) Send me some Information. |
| 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 |
| |
| |
| 6) Too Expensive. |
| 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 |
| |
| |
| 7) I can’t afford it. |
| 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 |
| |
| |
| 8) I’m too busy. |
| You can use your card as soon as you receive it. |
| Back to the Top |
| |
| |
| 9) I can’t make a decision without speaking to my spouse. |
| 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 |
| |
| |
| 10) I want to think it over. |
| 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 |
| |
| |
| |