Affordable Health & Benefits Discount Health Plan Brochure
Your Key toSignificant Savingson Health Care Benefits and Peace of Mind for you and your family
DISCOUNT MEDICAL BENEFITS Hospitalization and Facility services • Save 10% to 40% on Hospitalization and Facilities • Thousands of Facilities Nationwide • All Medical Conditions are accepted • Benefit N/A in MDProcedure CPT Code Average Charged Average Discount Fee SavingsPediatric Doctor Visit 99212 $48.43 $36.33 24.98%Arthritis 20605 $96.23 $61.98 35.59%Psychiatry 90801 $171.35 $106.16 38.04%Asthma Treatment 94010 $76.62 $54.62 28.71%Broken arm / leg with cast 27824 $547.30 $403.18 26.33%Normal Delivery 59409 $2,000.00 $741.00 62.95%*Examples are based on averaged claims experience – Actual cost and savings vary by region/claim pHysicians & specialists • Save 10% to 40% on Doctor Visits including Specialists • Save 10% to 40% on Lab Work and X-rays • Over 300,000 Primary Care Physicians and Specialists Nationwide • All Medical Conditions are accepted Medical HealtH advocate We provide our members with their own Personal Advocate to assist in navigating through the healthcare and insurance systems. These services include, but are not limited to the following: • Scheduling appointments with hard to reach specialists and critical care providers • Arranging for specialized treatment and tests • Negotiating billing and payment arrangements, as well as related administrative issues • And much more • Benefit N/A in CA doctors’ online • Confidential, online, personal interaction with licensed, board-certified physicians • Information about illnesses or symptoms • Assessment of acute symptoms and overall healthcare • Guidance on treatment for minor illnesses (i.e. pink eye, poison ivy) • And much morecHiropractic care • Receive a free consultation • Save 50% on diagnostic services and necessary x-rays performed on-site • Save 30% on treatments and most other services • N/A in VT prescriptions • Over 55,000 Pharmacies Nationwide • Save up to 25% on Name Brand Prescriptions • Save up to 70% on Generic Prescriptions • No Drug Exclusions Pharmacy discounts are Not insurance and are Not intended as a substitute for insurance.
dental care • Over 71,000 provider locations nationwide** • Save 15% to 50% on routine dental services and on Specialty Care such as Orthodontics and Periodontics where available • Each Dentist participating in this program is credentialed and re-credentialed on an ongoing basis • N/A in VTExample of Savings:Code Procedure Usual & Customary Fee Discount Fee Savings0120 Periodic Oral Exam $35.00 $22.00 37%0270 Bite wings - Single Film $20.00 $9.00 55%1110 Cleaning-Adult $67.00 $46.00 31%2140 Filling-1 Surface $90.00 $55.00 39%3310 Root Canal $689.00 $514.00 25%4341 Perio Scaling and Root Planning $183.00 $134.00 27%* Actual costs and savings vary by provider and geographical area.** According to the Aetna Enterprise Provider Database as of November 1, 2006. vision care • Over 12,000 retail locations and independent provider locations to choose from • Save 10%-30% on Eye Exams • Save 20%-60% on Prescription Glasses, including frames, lenses, tints and specialty items • Save 10%-20% on Contact Lenses • Two guarantees - 30 day unconditional money-back satisfaction guarantee and low price guarantee on eyeglasses • Save 40% to 50% off the overall national average for LASIK surgery diabetic supplies: • Many plans to choose from, priced from $29.99/month to $169.99/month, which is 60% off the average competitors’ retail prices • Save an additional 15% off on any single order items including test strips, lancets, lancing device, and more • Toll-free ordering, regular shipments and convenient home delivery on all diabetic supplies with free shipping when plan option is selected vitaMins and Herbal suppleMents: • Choose from over 300 brands and 6000 products in stock • Savings from 33% to 75% with an additional 10% savings for our members • Online or toll free ordering and shipping is only $4.99 no matter how large your order • All purchases include a 30-day money back guarantee Hearing care • Save 30% on Audiology services • Over 1500 Audiology clinics nationwide • Save an average of 50% of suggested retail on Hearing Aids • Choose from over 150 models of Hearing Aids • National centralized scheduling via 800 #
alternative Medicine specialists: • Save between 10%-30% on Alternative Care Services • Over 16,000 Providers Nationwide and over 35 specialties to choose from24-Hour nurse Hotline assistanceMembers can call toll free 24 hours a day and talk to registered nurses regarding: • Illness or injury • Minor medical emergencies • Medication usage and interaction • Translation services for non english speaking callers • Computerized record keeping system • Medical Director on staff • Online Health Information Library with over 2,200 medically related topicsMedical travel assistMembers have access to a global network of practicing physicians, travel assistance personnel and emergency evacuation benefits when traveling 100 miles from home and suffering a serious injury or illness. These services include: • Emergency medical evacuation • Repatriation of mortal remains • Transportation to join a hospitalized family member • Return of dependent children • Facilitation of hospital payment • Transfer of insurance information to medical providers • Medication, vaccine and blood transfers • Translation services • And much more • Benefit N/A to CT, FL, OR and WA Residents additional beneFitstravel services • Save up to 70% on Hotels • Save up to 70% on Condos and Vacation Rentals • Rooms for sold out dates • Lowest Rate Guaranteed • Save up to 70% on Airline Tickets and Car Rentals
Key plan HigHligHts • Everyone Accepted regardless of Medical Conditions • No Medical Exam Required • Rates Guaranteed for One Year • Easy Application Process • 30 Day Money Back Guarantee • 1-800 Customer Service assistance for your convenience and peace of mind AHB’s plans are NOT insurance Your membership is simple and easy to use. It is quick and easy to locate participating providers in your area using the toll free member service numbers listed on the back of your card or by going to our website. Our program makes available, before purchase and upon request, a list of program providers including the name, city, state and specialty available in your area. You simply present your card to certain provider locations to receive immediate savings. AHB’s health benefit plans provide discounts at certain providers for medical services. AHB does not make payments to the providers of medical services for discount benefits. The member pays for all healthcare services but will receive a discount from those healthcare providers in our organization. The range of discounts for medical or ancillary services provided under our programs will vary depending on the type of provider and medical or ancillary service received. Risk free 30-day money back guarantee. We are confident you will enjoy the benefits of our program and realize substantial savings with your health benefits program. If, however you decide that this program is not for you, simply send us a written notice of cancellation within the 1st 30 days after receipt of membership materials, for a full refund of your membership and registration fee.
FreQuently asKed QuestionsQ. Is Affordable Health & Benefits, LLC. an Insurance program?A. NO, this plan is NOT insurance. Actually, our members enjoy the flexibility of this program because it allows the acceptance of anyone regardless of medical conditions and no medical exam is required. Our members enjoy immediate savings when presenting their card to providers. Q. How soon can I use this program?A. In approximately two weeks, you will receive your membership card and a Member Kit describing each of the programs and how to use them in detail. Your membership will be effective on the first of the month following the month in which you applied.Q. How do I know which providers will honor the Affordable Health & Benefits Membership plan card?A. A limited list of providers are included when you receive your member kit. We provide you a toll free customer service number to assist you in finding local providers and you can go to www.locateproviders.com to search for providers in your area.Q. How do I pay for my health benefits program?A. A member has a choice of monthly, quarterly, or annual payments that are made by electronic bank draft system or by credit card. An annual membership can be paid one year In advance which will be Invoiced yearly.Q. What if I need medical assistance when I am traveling?A. Our providers are nationwide. A toll-free customer service number is available to you for information on providers throughout the country or for any other assistance you require in using the program.Q. Can I use the Affordable Health & Benefits program even If I have other Insurance?A. Yes! In most cases the health benefits program can be used to complement your current Insurance program to reduce your out-of-pocket expenses.Q. I have been turned down by insurance companies before. Can I still join your program?A. Yes! Everyone is accepted regardless of health or medical conditions.Q. Who can join Affordable Health & Benefits?A. Anyone! Families and Individuals, Groups, Associations and Seniors. You can use Affordable Health & Benefits as your primary health benefit program or as a supplement to existing Insurance.Q. What is AHB’s policy for cancellation?A. Our discount card program contains a 30 day cancellation period. Member shall receive a full refund of membership and processing fees if membership is cancelled within the 1st 30 days after receipt of membership materials. A written notice is required for cancellation. We do not require any minimum contracts, therefore you may cancel at any time with a written request to cancel.
aFFordable costBeing able to provide yourself or your family Health Benefits with substantial savings at a Price that anyone can afford is a great feeling! Begin down your road to good health today!Key silver: Key prescription:$30.00 a month $17.95 a month(Not available in CT, IL, KS, MD, NH, UT, VT) (Not available in CT, IL, KS, NH, UT, MS)Includes Hospitalization and Facilities, Physicians & Includes Prescriptions, Vision, Hearing, Vitamins andSpecialists, Medical Health Advocate, Doctor’s Online, Herbal SupplementsPrescriptions, Dental, Vision Care, Chiropractic,Alternative Medicine Specialists, Hearing Care, 24- * Plan fees include one time $45 processing fee.Hour Nurse Hotline, Medical Travel Assist, Diabetic $30 processing fee in FL, OH and SCSupplies, Vitamins and Herbal Supplements and $25 processing fee in SDTravel ServicesKey dental:$21.95 a month(Not available in CT, IL, KS, UT, NH, VT)Includes Dental, Vision, Prescriptions, and DiabeticSupplies To Join or for Questions Please Contact Your Representative: Affordable Health & Benefits 1383 Clear Creek Drive, Lewisville, TX 75067 Discount Medical Plan Organization: New Benefits, Ltd. 14240 Proton Rd. Dallas, TX 75244KMB01