Affordable Health & Benefits Key Silver Discount Health Plan Presentation

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Affordable Health & Benefits Discount Health plan. Guaranteed Issue, Comprehensive Health Benefit Plan

Affordable Health & Benefits Discount Health plan. Guaranteed Issue, Comprehensive Health Benefit Plan

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  • 1. Affordable Health & BenefitsYour Key to Significant Healthcare Savings and Peace of Mind in a Service and Company you can Trust!
  • 2. We Offer The Solutions To Your Healthcare Needs! Guaranteed Acceptance. You will be accepted regardless of existing Medical Conditions. We have a program to fit most everyone’s needs at a Price you can Afford! You can call our 1-800 Customer Service number anytime. We are here to help you! Immediate Savings. Experience immediate savings when you present your member card to your healthcare provider. Our Programs Are Available Nationwide. Copyright Affordable Health & Benefits 2009 2
  • 3. Programs to Choose From Key Silver: $37.00 a month Key Dental: Includes the following Benefits: $21.95 a month• Hospitalization/Facilities • Chiropractic Includes the following Benefits:• Physicians & Specialists • Hearing Care •Dental •Vision• Medical Health Advocate • Nurse Hotline •Prescriptions •Diabetic Supplies• Consult A Doctor • Diabetic Supplies •Vitamins & Herbal• Prescriptions • Medical Travel Assist Supplements• Dental Care • Vitamins and Herbal• Vision Care Supplements• Alternative Medicine • Travel Services Key Prescription: $17.95 a month Includes the following Benefits: •Prescriptions • Vision •Vitamins & Herbal • Hearing Supplements • Diabetic Supplies Copyright Affordable Health & Benefits 2011 3
  • 4. Point of Service Savings Health Benefit Descriptions Our Point of Service Savings Health Benefits are not insurance. Member pays the Savings rate at The time of service unless other payment arrangements are negotiated with provider Copyright Affordable Health & Benefits 2011 4
  • 5. Hospitalization and Facilities Save from 10% - 40% on Hospitalization and Out Patient Surgery Thousands of Hospitals and Facilities available nationwide All existing Medical Conditions are accepted Procedure CPT Code Average Charged Average Discount 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% * Hospital savings are not available in Maryland Copyright Affordable Health & Benefits 2011 5
  • 6. Physicians and Specialists Save from 10%- 40% on Doctor Visits including Specialists. Over 300,000 Primary Care Physicians and Specialists Nationwide Thousands of Facility locations nationwideAll existing Medical Conditions are accepted Copyright Affordable Health & Benefits 2011 6
  • 7. Medical Health Advisor Assists members with: Navigating through the healthcare and insurance systems Obtaining unbiased health information to help you make an informed medical decision Locating and researching current treatment approaches for a medical condition 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 Addressing eldercare and related healthcare issues facing your dependents, parents and parents-in-law. Wework with Medicare and other government insurance programs and can help you make arrangements following discharge from a hospital for in-home services. Not Available in CA Copyright Affordable Health & Benefits 2011 7
  • 8. Consult A Doctor24/7 access to physicians from anywhere via telephone or email Free of ChargePhysicians discuss symptoms, recommend treatment options,diagnose many common conditions, and prescribe medication when appropriate.Save money by avoiding unnecessary doctor’s office or ER visitsDoctors are available after hours and on weekends and holidays.Our network of physicians is U.S. based, licensed, board-certified, rigorously credentialed and experiencedPrescriptions phoned into your local pharmacy for pick-upHIPPA compliant and confidential Copyright Affordable Health & Benefits 2011 8
  • 9. PrescriptionsSave up to 70% on Generic prescriptions.Save up to 25% on Brand Name prescriptions.No Drug Exclusions.Over 55,000 Pharmacies Nationwide Copyright Affordable Health & Benefits 2011 9
  • 10. Dental Care Save 15% to 50%Save 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. No waiting periods or Maximums. All Medical conditions already existing are accepted The Aetna Dental Network is one of the Nations Largest Provider Networks Code Procedure Usual & Customary Fee Discount Fee Savings 0120 Periodic Oral Exam $35.00 $22.00 %37 0270 Bitewings – Single Film $20.00 $9.00 %55 1110 Adult Cleaning $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 Copyright Affordable Health & Benefits 2011 10
  • 11. Vision CareOver 12,000 retail locations and independent provider locations to choose from.Save 10% - 30% on Eye ExamsSave from 20%-60% on Prescription Glasses, Including Frames, Lenses, Tints and specialty itemsSave 10%-40% on Mail Order Contact Lenses2 Guarantees: 30 unconditional money-back satisfaction guarantee and low price guaranteeSave 40%-50% off the overall national average for LASIK surgery (PRK and CK also available at select locations) Copyright Affordable Health & Benefits 2011 11
  • 12. Chiropractic CareFree Initial ConsultationSave 50% on all diagnostic servicesSave 50% on in house x-rays (if necessary)Save 30% on Treatments and services Copyright Affordable Health & Benefits 2011 12
  • 13. Alternative Medicine Specialists Save from 10% to 30% on Alternative Medicine Specialists Over 16,000 provider locations nationwide and over 35 specialties to choose fromSpecialists Include: Chiropractors Acupressure Herbology Homeopathy Acupuncture Massage Therapy Yoga Aromatherapy Holistic Medicine Meditation Nutritionists And More Copyright Affordable Health & Benefits 2011 13
  • 14. 24 Hour Nurse Hotline AssistanceCall Toll Free- 24 hours a day!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 topics Copyright Affordable Health & Benefits 2011 14
  • 15. Hearing CareSave 30% on Audiology servicesOver 1500 Audiology clinics nationwideSave an average of 50% off suggested retail on Hearing AidsChoose from over 150 models of Hearing AidsNational centralized scheduling via 1-800 Number.60-day risk free trial on Hearing Aids Copyright Affordable Health & Benefits 2011 15
  • 16. Diabetic SuppliesSave an average of 60% off of competitors retail pricing for testing plans based on testing requirements.We proudly feature Glucolab™ Products which are comparable - if not better - than any major brand available.Plans are priced from $29.99/month to $169.99/month and are designed for everyday testingSave an additional 15% off on any single order items including test strips, lancets, lancing device and moreToll-free ordering, regular shipments and convenient home deliveryFree shipping on supplies when plan option is selected Copyright Affordable Health & Benefits 2011 16
  • 17. Medical Travel AssistEmergency medical evacuation Transfer of insurance information to medical providersRepatriation of mortal remains Replacement of lost or stolen travel documents Legal referralsTransportation to join a hospitalized family member Medication, vaccine and blood transfersReturn of dependent childrenMonitoring of treatment worldwide Transfer of fundsMedical and dental referrals Translation servicesFacilitation of hospital payment Real-time security intelligence Travel Assistance not available to CT, FL, OR and WA Residents Copyright Affordable Health & Benefits 2011 17
  • 18. 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 AHB membersOnline 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 Copyright Affordable Health & Benefits 2011 18
  • 19. Optional Benefit Choices $5,000 Critical Illness $35.00 a month Includes the following Benefits: Underwritten by AIG Insurance CompanyCritical Illness, Diabetic and Ostomy Supplies, Consumer Benefits and NAIB membership Long Term Accident Disability Income: $37.00 Family or $29.00 Individual Includes the following Benefits: Underwritten by AIG Long Term Accident Disability, $1,000 Accidental Death Benefit, Diabetic and Ostomy Supplies, Consumer Benefits and NAIB membership Copyright Affordable Health & Benefits 2011 19
  • 20. Long Term Accident Disability Income Pays $5000 a month after a six month waiting period following an accident, which causes disability for up to 6 months. Pays $10,000 a month thereafter for up to 120 months if member remains continually disabled after twelve months. Includes a $1,000 Accidental Death Benefit Copyright Affordable Health & Benefits 2011 20
  • 21. $5,000 Critical Illness $5,000 Critical Illness • $5,000 covers primary member only • Covered Critical Illnesses include - Life Threatening Cancer, Heart Attack, Kidney (Renal) failure, Stroke, Coma, Loss of Sight, Speech or Hearing, Paralysis and Major Organ Transplant. Limited benefits are paid for Coronary Artery Bypass Graft. • 12 month waiting period for pre-existing conditions Copyright Affordable Health & Benefits 2011 21
  • 22. Value Added Consumer Benefits• Canadian/International Pharmacy Program: Savings up to 65% and more!• Dental Products including Teeth Whitening systems at wholesale prices!• Orthotics. Savings from 40% to 60%• Savings on Family Legal Plan including Free Consultations, Free Will and more!• Christian Family Counseling: Includes Free Counseling session by phone and more!• Credit Restoration Services: Save up to 35%• Moving Savings: Save as much as 58% off regular relocation rates and more on North American Van Lines!• The Shopping Service: Save 10% to 50% on over 300,000 Brand Name Items!• Identity Theft Protection• Carpet: Save at least 50%• Floral: Save 10%, Satisfaction Guaranteed• Vacation Motor home Rentals: Save 10%• Theme Park Savings• Sales Lead Generation and Appointment Setting: Save up to 20%• Credit Card Processing: Free QuickBooks Pro 2005 w/ approved Merchant Account and more!• Travel Savings, Including Airline, Auto, Cruises Vacation Rentals & Hotels• Mortgage Concierge Services: $500 Savings off Closing Costs• Free Domains and Email Forwarding• Check Verification Service: Save 20%• Shipping Services Savings- DHL (Airborne)• Movie Tickets Savings: Save $2.50 per Movie Ticket at select Theatres• Free Bad Check Collection• And much more! Copyright Affordable Health & Benefits 2011 22
  • 23. How to Use Your AHB Membership ProgramYour membership kit will include your member cards, provider listings and an instruction guideexplaining in detail how to use your new program benefits.You can search for providers in your area online at Affordable Health & Benefitsor you can call the 1-800 numbers that are included on your card and in the instruction guide and a friendlycustomer service representative will assist you.Simply present your membership card to your provider to receive immediate savings. Your provider willsimply call the automated 1-800 on the front of your member card and will be given your savings ratewhich you pay at the time of service. If your provider has questions, there are 1-800 Customer Servicenumbers listed on the card for each benefit.And as always you can call us anytime at and we will assist you and answer all your questions! Copyright Affordable Health & Benefits 2011 23
  • 24. Frequently Asked QuestionsQ. Is Affordable Health & Benefits, LLC. an Insurance program? A. No, our Point of Service Savings Benefits are not insurance. Our agreements with national provider networks allow us to pass on the substantial savings negotiated on to our members and the member pays the savings rate at the time of service.Q. Who can participate in AHBs Benefit Programs? A. Everyone! Including Employer Groups, Associations, Families, Individuals, SeniorsQ. How soon can I use this program? A. In approximately 2 weeks after enrollment 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 enrolled.Q. How do I know which providers will honor the Affordable A. You can call the toll free customer service number provided forHealth & Benefits Membership card? assistance in locating providers or you can search our online database for providers in your area. Your member guide will also provide you with providers in your areaQ. How do I pay for my health care 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. 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 A. Yes! In most cases the health care program can be used tohave other Insurance? complement your current Insurance program to reduce your out-of- pocket expenses.Q. If I am on Medicare, can I use the Affordable Health & Benefits A. Yes! The health care program provides significant savings onhealth benefits program? services that are not covered by Medicare.Q. I have been turned down by Insurance companies before. Can I A. Yes! Everyone is guaranteed to be accepted regardless of age,still join your health care program? health or existing medical conditions. Copyright Affordable Health & Benefits 2011 24
  • 25. Affordable Health & Benefits Join TodayWe guarantee you will save money on your healthcare needs.Easy Application Process. Easily apply online by filling out the secure onlinemember application or call us and we can sign you up by phone.You are not locked into a contract once you join as a member. You can cancel at anytimewith a written request.If you decide our program is not for you within the 1st 30 days of your effective date we will refund yourMembership fee.Join Today with a Service that will give you Peace of Mind and with aCompany you can Trust! Copyright Affordable Health & Benefits 2011 25