This document summarizes the services offered by Affordable Health & Benefits, an organization that provides point-of-service healthcare savings programs as an alternative to insurance. They offer various membership programs starting at $17.95 per month that provide discounts on healthcare costs like hospital visits, prescriptions, dental care, and more. Members can save 10-60% on most services. The document outlines the various membership options and benefits in detail.

1. Affordable Health & Benefits
Your 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.
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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
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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
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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 Savings
Pediatric 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
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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 nationwide
All existing Medical Conditions are accepted
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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. We
work 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
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8. Consult A Doctor
24/7 access to physicians from anywhere via telephone or email Free of Charge
Physicians discuss symptoms, recommend treatment options,
diagnose many common conditions, and prescribe medication when appropriate.
Save money by avoiding unnecessary doctor’s office or ER visits
Doctors are available after hours and on weekends and holidays.
Our network of physicians is U.S. based, licensed, board-certified, rigorously credentialed and experienced
Prescriptions phoned into your local pharmacy for pick-up
HIPPA compliant and confidential
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9. Prescriptions
Save up to 70% on Generic prescriptions.
Save up to 25% on Brand Name prescriptions.
No Drug Exclusions.
Over 55,000 Pharmacies Nationwide
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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
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11. Vision Care
Over 12,000 retail locations and independent provider locations to choose from.
Save 10% - 30% on Eye Exams
Save from 20%-60% on Prescription Glasses, Including Frames, Lenses, Tints and specialty items
Save 10%-40% on Mail Order Contact Lenses
2 Guarantees: 30 unconditional money-back satisfaction guarantee and low price guarantee
Save 40%-50% off the overall national average for LASIK surgery (PRK and CK also available at select locations)
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12. Chiropractic Care
Free Initial Consultation
Save 50% on all diagnostic services
Save 50% on in house x-rays (if necessary)
Save 30% on Treatments and services
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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 from
Specialists Include:
Chiropractors Acupressure Herbology Homeopathy
Acupuncture Massage Therapy Yoga
Aromatherapy Holistic Medicine Meditation
Nutritionists And More
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14. 24 Hour Nurse Hotline Assistance
Call 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
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15. Hearing Care
Save 30% on Audiology services
Over 1500 Audiology clinics nationwide
Save an average of 50% off suggested retail on Hearing Aids
Choose from over 150 models of Hearing Aids
National centralized scheduling via 1-800 Number.
60-day risk free trial on Hearing Aids
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16. Diabetic Supplies
Save 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 testing
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
Free shipping on supplies when plan option is selected
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17. Medical Travel Assist
Emergency medical evacuation Transfer of insurance information to medical providers
Repatriation of mortal remains Replacement of lost or stolen travel documents
Legal referrals
Transportation to join a hospitalized family member
Medication, vaccine and blood transfers
Return of dependent children
Monitoring of treatment worldwide Transfer of funds
Medical and dental referrals Translation services
Facilitation of hospital payment Real-time security intelligence
Travel Assistance not available to CT, FL, OR and WA Residents
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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 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
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19. Optional Benefit Choices
$5,000 Critical Illness
$35.00 a month
Includes the following Benefits:
Underwritten by AIG Insurance Company
Critical 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
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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
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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
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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!
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23. How to Use Your AHB Membership Program
Your membership kit will include your member cards, provider listings and an instruction guide
explaining in detail how to use your new program benefits.
You can search for providers in your area online at Affordable Health & Benefits
or you can call the 1-800 numbers that are included on your card and in the instruction guide and a friendly
customer service representative will assist you.
Simply present your membership card to your provider to receive immediate savings. Your provider will
simply call the automated 1-800 on the front of your member card and will be given your savings rate
which you pay at the time of service. If your provider has questions, there are 1-800 Customer Service
numbers 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!
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24. Frequently Asked Questions
Q. 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 AHB's Benefit Programs? A. Everyone! Including Employer Groups, Associations, Families,
Individuals, Seniors
Q. 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 for
Health & 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 area
Q. 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 to
have 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 on
health 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.
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25. Affordable Health & Benefits
Join Today
We guarantee you will save money on your healthcare needs.
Easy Application Process. Easily apply online by filling out the secure online
member 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 anytime
with a written request.
If you decide our program is not for you within the 1st 30 days of your effective date we will refund your
Membership fee.
Join Today with a Service that will give you Peace of Mind and with a
Company you can Trust!
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