This dental network provides members with discounts of 15% to 50%* on dental procedures at over 92,500** available dental practice locations nationwide. Members simply present their card bearing the Aetna Dental Access® logo, along with payment in full of the discounted fee, for immediate savings at the time services are rendered. Members will want to utilize their card and enjoy the savings time and time again.
The American Optometric Society (AOS) was formed to represent optometrists and protect the optometric profession. It aims to improve optometric care available to the public and support excellence in optometry. The AOS is committed to giving members a voice and advocating for their interests while working with other optometric organizations. It is dedicated to patient care and expanding optometrists' ability to serve the public.
This document provides an overview of Blue Shield of California's (BSC) specialty benefits eLearning course. The course aims to educate BSC staff about BSC's specialty benefits insurance plans, including their characteristics, processes, and product lines. The document outlines the course agenda which covers dental plans, vision plans, life insurance plans, and accidental death and dismemberment plans over four sections. Section one introduces BSC's specialty benefits insurance plan overview. Section two describes the dental plan family of products. Section three describes the vision plans. Section four describes the life insurance plans and accidental death and dismemberment insurance. There is an assessment at the end to evaluate learning.
CE Certificate - Systemic Health and Implant FailurePaul Viola
This document certifies that an individual has completed the requirements for a continuing education course and was awarded 1 credit. It states that CE credits may not apply to license renewal in all jurisdictions, and that it is the participant's responsibility to check with their licensing agency. The document identifies the course provider and accrediting body, and verifies the individual passed the online quiz for the course "Systemic Health and Implant Failure" on May 10, 2019.
CE Certificate - Temporomandibular Joint DysfunctionPaul Viola
This document certifies that Paul Viola has completed the requirements for the course "Conservative Management of Temporomandibular Joint Dysfunction" and has been awarded 1 continuing education credit. It notes that CE credit requirements vary by licensing jurisdiction and participants should retain the document for their records. The course was planned and implemented according to the standards of the ADA Continuing Education Recognition Program through a joint effort between Tribune Group GmbH and Colgate Oral Health Network, with Tribune Group GmbH serving as the ADA CERP provider.
This document summarizes the benefits and services provided by Coast To Coast Vision, including:
- Discounts of 20-60% on eyewear, 10-20% on contacts, and 10-30% on eye exams through a network of over 12,000 eyecare locations.
- Savings of 10-60% on most prescription drugs through a network of over 60,000 participating retail and independent pharmacies.
- Savings of 15-50% on dental services such as cleanings, fillings, crowns and orthodontics through Aetna's network of 76,000 dental providers.
- Discounts of 15-58% on hearing aids through Beltone's 1,350 retail locations
P&W Services offers affordable, non-insurance health and dental benefits for individuals and small businesses. This briefing was presented to small business owners, insurance brokers, and non-profit organizations at our ribbon cutting ceremony on 17 Jul 09. For more information, go to PandWservices.com
The document summarizes the benefits included in a Complete Care Plus membership package. It includes dental, vision, prescription drug, accidental medical, disability income, life insurance, travel assistance, and consumer services benefits. Some key benefits highlighted are up to $5000 in accidental medical coverage per family member, $500 monthly disability payments, $10,000 accidental death and dismemberment coverage, and access to over 30,000 dental and 90,000 vision providers nationwide.
The document summarizes the benefits provided by Team Corp Marketing's membership packages, which include fully insured group health insurance policies and various discount programs. The benefits include daily hospital confinement benefits, intensive care benefits, surgery benefits, doctor office visit benefits, prescription drug benefits, dental and vision benefits, and additional medical discounts and services provided through affiliated associations. Membership rewards include refunds of dues paid after 5 and 10 years of membership.
The American Optometric Society (AOS) was formed to represent optometrists and protect the optometric profession. It aims to improve optometric care available to the public and support excellence in optometry. The AOS is committed to giving members a voice and advocating for their interests while working with other optometric organizations. It is dedicated to patient care and expanding optometrists' ability to serve the public.
This document provides an overview of Blue Shield of California's (BSC) specialty benefits eLearning course. The course aims to educate BSC staff about BSC's specialty benefits insurance plans, including their characteristics, processes, and product lines. The document outlines the course agenda which covers dental plans, vision plans, life insurance plans, and accidental death and dismemberment plans over four sections. Section one introduces BSC's specialty benefits insurance plan overview. Section two describes the dental plan family of products. Section three describes the vision plans. Section four describes the life insurance plans and accidental death and dismemberment insurance. There is an assessment at the end to evaluate learning.
CE Certificate - Systemic Health and Implant FailurePaul Viola
This document certifies that an individual has completed the requirements for a continuing education course and was awarded 1 credit. It states that CE credits may not apply to license renewal in all jurisdictions, and that it is the participant's responsibility to check with their licensing agency. The document identifies the course provider and accrediting body, and verifies the individual passed the online quiz for the course "Systemic Health and Implant Failure" on May 10, 2019.
CE Certificate - Temporomandibular Joint DysfunctionPaul Viola
This document certifies that Paul Viola has completed the requirements for the course "Conservative Management of Temporomandibular Joint Dysfunction" and has been awarded 1 continuing education credit. It notes that CE credit requirements vary by licensing jurisdiction and participants should retain the document for their records. The course was planned and implemented according to the standards of the ADA Continuing Education Recognition Program through a joint effort between Tribune Group GmbH and Colgate Oral Health Network, with Tribune Group GmbH serving as the ADA CERP provider.
This document summarizes the benefits and services provided by Coast To Coast Vision, including:
- Discounts of 20-60% on eyewear, 10-20% on contacts, and 10-30% on eye exams through a network of over 12,000 eyecare locations.
- Savings of 10-60% on most prescription drugs through a network of over 60,000 participating retail and independent pharmacies.
- Savings of 15-50% on dental services such as cleanings, fillings, crowns and orthodontics through Aetna's network of 76,000 dental providers.
- Discounts of 15-58% on hearing aids through Beltone's 1,350 retail locations
P&W Services offers affordable, non-insurance health and dental benefits for individuals and small businesses. This briefing was presented to small business owners, insurance brokers, and non-profit organizations at our ribbon cutting ceremony on 17 Jul 09. For more information, go to PandWservices.com
The document summarizes the benefits included in a Complete Care Plus membership package. It includes dental, vision, prescription drug, accidental medical, disability income, life insurance, travel assistance, and consumer services benefits. Some key benefits highlighted are up to $5000 in accidental medical coverage per family member, $500 monthly disability payments, $10,000 accidental death and dismemberment coverage, and access to over 30,000 dental and 90,000 vision providers nationwide.
The document summarizes the benefits provided by Team Corp Marketing's membership packages, which include fully insured group health insurance policies and various discount programs. The benefits include daily hospital confinement benefits, intensive care benefits, surgery benefits, doctor office visit benefits, prescription drug benefits, dental and vision benefits, and additional medical discounts and services provided through affiliated associations. Membership rewards include refunds of dues paid after 5 and 10 years of membership.
The document proposes a medical insurance plan from Resolution Insurance Limited. It offers:
- Customized medical cover for individuals and corporations with no out-of-pocket costs for services.
- Coverage of inpatient and outpatient care, maternity, dental, optical and funeral benefits.
- A wide network of hospitals, doctors, specialists and clinics to choose from.
- Flexible options for risk transfer, benefit structure, and limits that can be tailored to the client's needs.
Telemedicine provides benefits to payors by increasing access to doctors, improving quality and continuity of care, and reducing costs from time lost from work and travel. It can be provided by physicians, nurses, physician assistants, rural health clinics, hospitals, and other qualified medical facilities. Common diagnoses treated through telemedicine include HIV, other infectious diseases, behavioral health issues like ADHD, and cardiology-related conditions. Billing and referrals may be required depending on the provider and insurance plan.
Anytime Fitness offers integrated technology systems that allow members to access clubs, pay bills, and manage memberships. They also offer membership reciprocity, allowing members to use any Anytime Fitness club worldwide for one monthly fee. Additionally, Anytime Fitness works with corporations to create wellness programs and participates in health plan reimbursement programs that refund portions of membership fees to encourage exercise.
abillionofus.org - Initial Business PlanDouglas Maske
This business plan proposes a social networking platform and medical resource locator for people with disabilities, their families, and supporting professionals. Key points:
- The platform will allow users to connect with others sharing their diagnosis/condition and find relevant information and resources.
- It will be free for users but may later charge medical professionals for research access.
- The founders will seek investment to fund development and marketing.
- Financial projections estimate an initial loss followed by profitability in years 2-3 as sales double or triple annually through growth strategies like partnerships and advertising.
5 common mistakes to avoid when selecting a Third Party AdministratorJoe Corrigan
Not checking a third-party administrator's (TPA) reputation with providers, ownership structure for potential conflicts of interest, scalability of IT systems to handle volume, 24/7 support capabilities, and focus on service excellence can negatively impact a brand's members' claims experience, renewals, word-of-mouth referrals, and trust in the brand, as inefficient claims administration costs up to 40% of premium income and sucks up internal resources. It is important for insurers to avoid these five common mistakes when selecting a TPA to manage claims.
A Partnership in Innovation - Platinum Health & XL Axiata PresentationJoe Corrigan
Presented by Platinum Health's CEO Joe Corrigan
Platinum Health & XL Axiata launch event:
"A Partnership in Innovation" - Jakarta, Indonesia
September 30th, 2014.
YMCA Training, Inc. Boston Workforce Development SolutionsElsa Bengel
This presentation provides a basic overview of YMCA Training, Inc.'s approach to train unemployed and under-employed adults to pursue better jobs to earn a living wage.
This dental network provides members with discounts of 15% to 50%* on dental procedures at over 92,500** available dental practice locations nationwide. Members simply present their card bearing the Aetna Dental Access® logo, along with payment in full of the discounted fee, for immediate savings at the time services are rendered. Members will want to utilize their card and enjoy the savings time and time again.
Lighting design is important to provide visibility of performers and the onstage action. It aims to reveal shapes and forms, provide focus and create visual compositions, while also manipulating mood and style through lighting. Simple lighting changes between scenes can draw attention to the action and be consistent with the overall style of the play.
This document outlines sample weekly meal plans, listing foods for breakfast, lunch, afternoon snack, and dinner each day. It includes options such as toast and chocolate for breakfast; spaghetti with tomato for lunch; a nutella sandwich in the afternoon; and a hot dog with ketchup for dinner on the first day. The other days provide different meal suggestions including orange juice and cereal, noodle soup, an apple, and a potato omelette. The weekly plans offer a variety of foods for breakfast, lunch, snacks, and dinner.
This document discusses key concepts in economics related to wealth, production, exchange, distribution and consumption of wealth. It outlines the four main factors of production as land, labor, capital and enterprise. It also explains the concepts of demand, including what determines quantity demanded and how demand can shift due to factors like price, income, population changes and tastes. The document further discusses the law of demand and how supply can also shift due to influences on sellers like resource prices, technology and expected future prices.
The document proposes an app called "Killed on the Road" that allows users to report locations of roadkill to their local council using GPS. It would help get dead animals cleared from roads more quickly to improve safety and cleanliness. The summary provides an overview of how the app would work, including taking a photo of the roadkill and sending it to the council with the location. It also discusses potential issues like whether councils will regularly check the app and addresses questions around the app's cost and availability. Competitors and target user profiles are presented, along with wireframes of the app's interface. Feasibility and business models are considered, with the conclusion that the app may not be profitable if users are unwilling to pay
The document describes various traditional and modern agricultural implements used in farming, including ploughs, hoes, cultivators, seed drills, irrigation systems like sprinklers and drip systems, machines for harvesting crops like combines and threshing, and storage structures like silos and granaries. It mentions components of traditional implements like the ploughshare and ploughshaft and modern machines for tasks such as sowing seeds, spraying weedicide, and storing grains.
HalfTicket TV Smart Stick converts standard television to android smart television. The device has a user interface designed for television and works with an Air Mouse. You can watch locally stored or on-line content from many apps that are available.
Ravi Nelluri has over 11 years of experience in information technology with a focus on quality assurance. This includes both manual and automation testing as well as client interfacing and delivery roles in test management. He has expertise in test planning, design, execution, and defect tracking. He is proficient in automation tools like Selenium and has experience implementing test automation frameworks. He has worked on various projects across different domains testing applications, websites, and mainframe systems.
This document is a booklet that provides instructions for configuring the basic settings of Juniper devices. It discusses creating a checklist of settings to configure, such as the hostname, loopback interface, management interface, and other items. The booklet then explains how to configure these basic system settings, set up users and authentication, enable SNMP, and use configuration templates to simplify device setup. It is intended to help users get their Juniper devices operational on day one.
The document proposes a medical insurance plan from Resolution Insurance Limited. It offers:
- Customized medical cover for individuals and corporations with no out-of-pocket costs for services.
- Coverage of inpatient and outpatient care, maternity, dental, optical and funeral benefits.
- A wide network of hospitals, doctors, specialists and clinics to choose from.
- Flexible options for risk transfer, benefit structure, and limits that can be tailored to the client's needs.
Telemedicine provides benefits to payors by increasing access to doctors, improving quality and continuity of care, and reducing costs from time lost from work and travel. It can be provided by physicians, nurses, physician assistants, rural health clinics, hospitals, and other qualified medical facilities. Common diagnoses treated through telemedicine include HIV, other infectious diseases, behavioral health issues like ADHD, and cardiology-related conditions. Billing and referrals may be required depending on the provider and insurance plan.
Anytime Fitness offers integrated technology systems that allow members to access clubs, pay bills, and manage memberships. They also offer membership reciprocity, allowing members to use any Anytime Fitness club worldwide for one monthly fee. Additionally, Anytime Fitness works with corporations to create wellness programs and participates in health plan reimbursement programs that refund portions of membership fees to encourage exercise.
abillionofus.org - Initial Business PlanDouglas Maske
This business plan proposes a social networking platform and medical resource locator for people with disabilities, their families, and supporting professionals. Key points:
- The platform will allow users to connect with others sharing their diagnosis/condition and find relevant information and resources.
- It will be free for users but may later charge medical professionals for research access.
- The founders will seek investment to fund development and marketing.
- Financial projections estimate an initial loss followed by profitability in years 2-3 as sales double or triple annually through growth strategies like partnerships and advertising.
5 common mistakes to avoid when selecting a Third Party AdministratorJoe Corrigan
Not checking a third-party administrator's (TPA) reputation with providers, ownership structure for potential conflicts of interest, scalability of IT systems to handle volume, 24/7 support capabilities, and focus on service excellence can negatively impact a brand's members' claims experience, renewals, word-of-mouth referrals, and trust in the brand, as inefficient claims administration costs up to 40% of premium income and sucks up internal resources. It is important for insurers to avoid these five common mistakes when selecting a TPA to manage claims.
A Partnership in Innovation - Platinum Health & XL Axiata PresentationJoe Corrigan
Presented by Platinum Health's CEO Joe Corrigan
Platinum Health & XL Axiata launch event:
"A Partnership in Innovation" - Jakarta, Indonesia
September 30th, 2014.
YMCA Training, Inc. Boston Workforce Development SolutionsElsa Bengel
This presentation provides a basic overview of YMCA Training, Inc.'s approach to train unemployed and under-employed adults to pursue better jobs to earn a living wage.
This dental network provides members with discounts of 15% to 50%* on dental procedures at over 92,500** available dental practice locations nationwide. Members simply present their card bearing the Aetna Dental Access® logo, along with payment in full of the discounted fee, for immediate savings at the time services are rendered. Members will want to utilize their card and enjoy the savings time and time again.
Lighting design is important to provide visibility of performers and the onstage action. It aims to reveal shapes and forms, provide focus and create visual compositions, while also manipulating mood and style through lighting. Simple lighting changes between scenes can draw attention to the action and be consistent with the overall style of the play.
This document outlines sample weekly meal plans, listing foods for breakfast, lunch, afternoon snack, and dinner each day. It includes options such as toast and chocolate for breakfast; spaghetti with tomato for lunch; a nutella sandwich in the afternoon; and a hot dog with ketchup for dinner on the first day. The other days provide different meal suggestions including orange juice and cereal, noodle soup, an apple, and a potato omelette. The weekly plans offer a variety of foods for breakfast, lunch, snacks, and dinner.
This document discusses key concepts in economics related to wealth, production, exchange, distribution and consumption of wealth. It outlines the four main factors of production as land, labor, capital and enterprise. It also explains the concepts of demand, including what determines quantity demanded and how demand can shift due to factors like price, income, population changes and tastes. The document further discusses the law of demand and how supply can also shift due to influences on sellers like resource prices, technology and expected future prices.
The document proposes an app called "Killed on the Road" that allows users to report locations of roadkill to their local council using GPS. It would help get dead animals cleared from roads more quickly to improve safety and cleanliness. The summary provides an overview of how the app would work, including taking a photo of the roadkill and sending it to the council with the location. It also discusses potential issues like whether councils will regularly check the app and addresses questions around the app's cost and availability. Competitors and target user profiles are presented, along with wireframes of the app's interface. Feasibility and business models are considered, with the conclusion that the app may not be profitable if users are unwilling to pay
The document describes various traditional and modern agricultural implements used in farming, including ploughs, hoes, cultivators, seed drills, irrigation systems like sprinklers and drip systems, machines for harvesting crops like combines and threshing, and storage structures like silos and granaries. It mentions components of traditional implements like the ploughshare and ploughshaft and modern machines for tasks such as sowing seeds, spraying weedicide, and storing grains.
HalfTicket TV Smart Stick converts standard television to android smart television. The device has a user interface designed for television and works with an Air Mouse. You can watch locally stored or on-line content from many apps that are available.
Ravi Nelluri has over 11 years of experience in information technology with a focus on quality assurance. This includes both manual and automation testing as well as client interfacing and delivery roles in test management. He has expertise in test planning, design, execution, and defect tracking. He is proficient in automation tools like Selenium and has experience implementing test automation frameworks. He has worked on various projects across different domains testing applications, websites, and mainframe systems.
This document is a booklet that provides instructions for configuring the basic settings of Juniper devices. It discusses creating a checklist of settings to configure, such as the hostname, loopback interface, management interface, and other items. The booklet then explains how to configure these basic system settings, set up users and authentication, enable SNMP, and use configuration templates to simplify device setup. It is intended to help users get their Juniper devices operational on day one.
This food diary was written by three girls, Natalia, Lucía, and Mirella. It details what each girl ate for breakfast, lunch, and dinner on Monday and Tuesday. On Monday, Lucía had cereals for breakfast, a salad with lentils and watermelon for lunch, and mini burgers with a mandarin for dinner. The diary thanks the reader for watching at the end.
1. The Visual Basic Editor helps avoid errors in VBA coding by highlighting syntax errors in red and displaying message boxes. It looks for missing elements like quotation marks and parentheses that are considered "list separators".
2. Using Application.ScreenUpdating = False and Application.ScreenUpdating = True allows macros to run without showing each step on screen. This prevents screen flickering during long processes.
3. Within long macros, refreshing the screen with Application.ScreenUpdating = True and then interrupting with Application.ScreenUpdating = False allows pausing refreshment at significant points before ending with a final Application.ScreenUpdating = True.
Our vision is to create and grow scalable technology companies to improve healthcare. We bring entrepreneurs, healthcare leaders, mentors and investors together to identify and grow 100health companies.
This document summarizes a study that examines the impact of human resource management (HRM) practices on firm performance. Specifically, it evaluates the links between systems of "High Performance Work Practices" and intermediate employee outcomes like turnover and productivity, as well as short- and long-term measures of corporate financial performance. Prior research has found individual HRM practices like training and incentive compensation are positively related to these outcomes. However, this study improves on past work by taking a strategic perspective and analyzing the performance impacts of an organization's entire system of HRM practices. It also addresses methodological issues like simultaneity that could bias past findings. The results provide evidence on whether complementary, system-wide HRM practices can produce economically significant
This document provides a resume for Jaime Pielago Evora, a 47-year-old mechanical engineer from the Philippines. It details his work experience spanning 19.9 years including positions as a site mechanical engineer in Saudi Arabia, a mechanical commissioning technician in Indonesia, and a mechanical technician and maintenance engineer in the Philippines. It also lists his education, skills, languages, and contact information.
Me and my group #MARLI are developing a mood changer app to help people become happier. The app will provide funny facts and pictures to improve the moods of people who are sad, angry, annoyed, or unhappy. They have identified common reasons people feel this way, like being stressed students or tired teens, and want to provide lighthearted content to help users relax and laugh. The group plans to gather a lot of mood-lifting data for the app and fund it through advertisements on social media networks, forums, and their website to promote the app's availability.
The document provides an overview of Business Health Select private healthcare plans for small and medium businesses, including:
- Core plan benefits including inpatient, outpatient, and other medical coverage, as well as options to enhance outpatient and other benefits.
- Ability to choose from a range of additional options like different levels of outpatient coverage, therapies, mental health benefits, extra care services, and dental/optical cashback.
- Exclusions primarily relating to pre-existing conditions, chronic conditions, facilities not in their directory of hospitals, and options not selected.
- Ways to potentially lower costs such as optional excess amounts, a six week option, and annual payment discounts.
The document is a benefits booklet for employees of the Town of Davie. It provides summaries of the town's benefit plans and contact information in 3 pages and 16 sections. Benefit plans include medical insurance through United Healthcare, dental and vision coverage through Humana, life and disability insurance, and voluntary supplemental plans. It announces changes for 2016 like a $500 rollover limit for flexible spending accounts and plan design changes to UNUM disability insurance.
Minimum Essential Coverage (MEC) plans with limited benefits and healthcare concierge services are described. MEC plans provide the minimum level of health insurance required under the Affordable Care Act to avoid penalties, through benefits like preventive care visits and generic prescriptions. Additional services include telemedicine, medical bill negotiation, and discounts. Employers can offer MEC plans to comply with ACA mandates while controlling costs. The document provides details on specific MEC plan options and support services available.
Salesforce Member Connect Healthcare Payor Solution Partner Training (July 29...Salesforce Partners
The document summarizes a presentation about the Member Connect solution from Salesforce. It addresses the growing demand for individual health plans and dissatisfied members. The solution aims to provide a personalized, seamless experience for members across channels using a single engagement platform. It highlights components like self-service portals, omni-channel service, and personalized marketing. Customer stories show how the solution helped organizations improve conversions and operations. Target buyers include CMOs, CIOs, and customer service leaders seeking to enhance the member experience.
The fitness industry has grown steadily since the 1970s. There were 16,938 fitness clubs at the start of the 2000s, growing to 29,636 by 2008, with 41 million American members. The global fitness industry will continue growing due to increased health awareness and government programs. While in-home workouts rose during economic downturns, health clubs remained competitive by innovating new exercise methods. The aging population and issue of childhood obesity present opportunities for fitness programs catered to these groups. Online training is also becoming more prevalent as gyms offer live-streamed and recorded workouts.
The document discusses the history and growth of the fitness industry from the 1970s to present day, noting that membership in fitness centers rose significantly from the 1990s through the 2000s as exercise became increasingly popular. It then outlines some of the current trends in the industry, including steady continued growth driven by health awareness, innovation in fitness classes and solutions, and the use of technology in fitness programs and membership services. The conclusion reiterates that competition will remain high in the industry as consumer preferences and the latest health and fitness trends continue to evolve rapidly.
Concierge Benefit Services provides telemedicine services as an affordable alternative to traditional doctor visits. Their services allow members to consult with licensed physicians via phone or video chat 24/7 for common medical issues. This saves members time and money compared to urgent care or emergency room visits. Telemedicine can address over 70% of common conditions and prescriptions are sent electronically to the member's pharmacy of choice. Concierge Benefit Services' telemedicine aims to make healthcare more convenient and accessible while reducing costs for individuals and employers.
UCare for Seniors members can save on hearing aids through the EPIC Hearing Healthcare Network. EPIC offers credentialed doctors, licensed audiologists, and savings of up to 60% off manufacturer prices on name-brand hearing aids starting at $495. Members also get extended warranties, free batteries, and support from hearing counselors. Weight Watchers online subscriptions are available to members for $10 off for 3 months through a discount code from UCare Customer Services. The UCare-negotiated price on prescriptions may also be less than retail prices when members show their UCare ID card at the pharmacy.
THAILAND: TOP 10 Dental Clinics in 2017 (English speaking)GCRclinics
This document summarizes the top dental clinics in Thailand according to the GCR (Global Clinic Rating) index. The GCR evaluates over 555 dental clinics in Thailand based on expertise, facilities, services, and patient feedback. It identifies the top 10 dental clinics, led by Bangkok Smile Dental Clinic with an overall score of 4.33 out of 5. The document also provides more details on the methodology used by the GCR to evaluate and rank medical clinics worldwide.
This document summarizes an Ameritas Rewards dental plan that provides monetary rewards for maintaining good oral health habits. Members can earn rewards by getting an annual dental cleaning and keeping costs below an annual threshold. The rewards can be used for additional coverage like vision, hearing, and orthodontia. Employers choose the plan design and threshold amounts. The example shows a member earning $350 for a dental cleaning, with $200 that can be used toward vision costs.
Flyer Direct Primary Care Clinic MembershipRob Bartlett
This document describes a direct primary care clinic membership that is provided by employers. The membership offers affordable healthcare with monthly fees ranging from $30-75 depending on age. Benefits of the membership include 24/7 access to the clinic, comprehensive and preventative care, same day appointments, coordinated care, and discounts on labs and prescriptions. The goal of the membership is to provide a medical home where patients feel known, treated individually, and have their needs understood.
Anytime Fitness offers integrated technology systems that allow members to access clubs, pay bills, and manage memberships. They also offer membership reciprocity, allowing members to use any Anytime Fitness club worldwide for one monthly fee. Additionally, Anytime Fitness works with corporations to create wellness programs and participates in health plan reimbursement programs that refund portions of membership fees to encourage exercise.
The document discusses various insurance, financial, and discount programs available to members of the LAE including:
1) Life, health, dental, vision and pet insurance as well as retirement investment options.
2) Auto, home and renters insurance programs that provide discounts to members.
3) Consumer discount programs that allow members to save on purchases like books, travel and more.
4) Educational opportunities through the NEA Academy that allow members to further their education online at a lower cost.
The document summarizes an employee benefits open enrollment presentation. It outlines changes to the company's medical plan administrator and requirements for employees to make their 2015 benefits elections online by November 21st. It provides overviews of the medical, dental, vision, life and voluntary life insurance plans being offered. It also reviews dependent eligibility, preventive care coverage, prescription drug benefits and resources for finding network providers. Employees are instructed on next steps to complete an online waiver or enrollment form by the deadline.
This document describes a proposed health care delivery program called HealthShare 2000+. The key points are:
1. HealthShare 2000+ aims to provide affordable, equitable, and accessible health care to members, especially the poor, through a group trust model without insurance, premiums, deductibles, or other limitations.
2. It would organize health care providers and facilities into categories and grades of service. Members would select service units that would be directly paid to providers through electronic funds transfer from the group trusts.
3. The program claims to eliminate wasteful administrative and billing costs compared to insurance, ensuring 100% of member contributions go directly to health care. It also aims to reduce costs and improve care through preventative
This document provides information about employee benefits open enrollment for 2015. It summarizes that employees must make their benefit elections through the ADP website by November 21st to ensure coverage for 2015. It also provides overviews of the new medical plan administrator, dental and life insurance plans, and enrollment steps.
This document provides an overview of a proposed VEBA health plan for a group of dentists, including details about the two plan options, premium rates, and instructions for completing a required personal health questionnaire (PHQ). Key information includes: the VEBA plan allows for consistent nationwide coverage; the two plan options vary in deductibles and premiums; and fully and accurately completing the PHQ is important for determining acceptance into the plans.
What Questions Should I Ask When Searching For Health Insurance? - HealthCompareHealth Compare
The document provides guidance on questions to ask when searching for health insurance. It lists key questions about coverage, costs, deductibles, networks, and doctors. Questions focus on what services are covered, out-of-pocket costs, differences between in-network and out-of-network providers, and availability of hospitals and specialists in the plan's network. The document also introduces HealthCompare.org as a website that allows users to research and compare health insurance plans online or with assistance from their benefits advisors.
This document summarizes the benefits of video e-membership programs offered by Excellentia Advisory Group for surgery centers. The memberships provide access to a growing online library of regulatory compliance training videos and live webinars. This saves surgery centers time spent researching guidelines and developing training programs. It also helps mitigate risks of deficiencies or fines by ensuring compliance. The monthly membership fees spread costs over time and are less than costs of travel or developing materials independently. Memberships can be shared across staff to facilitate training.
Spontaneous Bacterial Peritonitis - Pathogenesis , Clinical Features & Manage...Jim Jacob Roy
In this presentation , SBP ( spontaneous bacterial peritonitis ) , which is a common complication in patients with cirrhosis and ascites is described in detail.
The reference for this presentation is Sleisenger and Fordtran's Gastrointestinal and Liver Disease Textbook ( 11th edition ).
TEST BANK For Brunner and Suddarth's Textbook of Medical-Surgical Nursing, 14...Donc Test
TEST BANK For Brunner and Suddarth's Textbook of Medical-Surgical Nursing, 14th Edition (Hinkle, 2017) Verified Chapter's 1 - 73 Complete.pdf
TEST BANK For Brunner and Suddarth's Textbook of Medical-Surgical Nursing, 14th Edition (Hinkle, 2017) Verified Chapter's 1 - 73 Complete.pdf
TEST BANK For Brunner and Suddarth's Textbook of Medical-Surgical Nursing, 14th Edition (Hinkle, 2017) Verified Chapter's 1 - 73 Complete.pdf
Dr. Tan's Balance Method.pdf (From Academy of Oriental Medicine at Austin)GeorgeKieling1
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Academy of Oriental Medicine at Austin
Academy of Oriental Medicine at Austin
About AOMA: The Academy of Oriental Medicine at Austin offers a masters-level graduate program in acupuncture and Oriental medicine, preparing its students for careers as skilled, professional practitioners. AOMA is known for its internationally recognized faculty, award-winning student clinical internship program, and herbal medicine program. Since its founding in 1993, AOMA has grown rapidly in size and reputation, drawing students from around the nation and faculty from around the world. AOMA also conducts more than 20,000 patient visits annually in its student and professional clinics. AOMA collaborates with Western healthcare institutions including the Seton Family of Hospitals, and gives back to the community through partnerships with nonprofit organizations and by providing free and reduced price treatments to people who cannot afford them. The Academy of Oriental Medicine at Austin is located at 2700 West Anderson Lane. AOMA also serves patients and retail customers at its south Austin location, 4701 West Gate Blvd. For more information see www.aoma.edu or call 512-492-303434.
STUDIES IN SUPPORT OF SPECIAL POPULATIONS: GERIATRICS E7shruti jagirdar
Unit 4: MRA 103T Regulatory affairs
This guideline is directed principally toward new Molecular Entities that are
likely to have significant use in the elderly, either because the disease intended
to be treated is characteristically a disease of aging ( e.g., Alzheimer's disease) or
because the population to be treated is known to include substantial numbers of
geriatric patients (e.g., hypertension).
Congestive Heart failure is caused by low cardiac output and high sympathetic discharge. Diuretics reduce preload, ACE inhibitors lower afterload, beta blockers reduce sympathetic activity, and digitalis has inotropic effects. Newer medications target vasodilation and myosin activation to improve heart efficiency while lowering energy requirements. Combination therapy, following an assessment of cardiac function and volume status, is the most effective strategy to heart failure care.
Osvaldo Bernardo Muchanga-GASTROINTESTINAL INFECTIONS AND GASTRITIS-2024.pdfOsvaldo Bernardo Muchanga
GASTROINTESTINAL INFECTIONS AND GASTRITIS
Osvaldo Bernardo Muchanga
Gastrointestinal Infections
GASTROINTESTINAL INFECTIONS result from the ingestion of pathogens that cause infections at the level of this tract, generally being transmitted by food, water and hands contaminated by microorganisms such as E. coli, Salmonella, Shigella, Vibrio cholerae, Campylobacter, Staphylococcus, Rotavirus among others that are generally contained in feces, thus configuring a FECAL-ORAL type of transmission.
Among the factors that lead to the occurrence of gastrointestinal infections are the hygienic and sanitary deficiencies that characterize our markets and other places where raw or cooked food is sold, poor environmental sanitation in communities, deficiencies in water treatment (or in the process of its plumbing), risky hygienic-sanitary habits (not washing hands after major and/or minor needs), among others.
These are generally consequences (signs and symptoms) resulting from gastrointestinal infections: diarrhea, vomiting, fever and malaise, among others.
The treatment consists of replacing lost liquids and electrolytes (drinking drinking water and other recommended liquids, including consumption of juicy fruits such as papayas, apples, pears, among others that contain water in their composition).
To prevent this, it is necessary to promote health education, improve the hygienic-sanitary conditions of markets and communities in general as a way of promoting, preserving and prolonging PUBLIC HEALTH.
Gastritis and Gastric Health
Gastric Health is one of the most relevant concerns in human health, with gastrointestinal infections being among the main illnesses that affect humans.
Among gastric problems, we have GASTRITIS AND GASTRIC ULCERS as the main public health problems. Gastritis and gastric ulcers normally result from inflammation and corrosion of the walls of the stomach (gastric mucosa) and are generally associated (caused) by the bacterium Helicobacter pylor, which, according to the literature, this bacterium settles on these walls (of the stomach) and starts to release urease that ends up altering the normal pH of the stomach (acid), which leads to inflammation and corrosion of the mucous membranes and consequent gastritis or ulcers, respectively.
In addition to bacterial infections, gastritis and gastric ulcers are associated with several factors, with emphasis on prolonged fasting, chemical substances including drugs, alcohol, foods with strong seasonings including chilli, which ends up causing inflammation of the stomach walls and/or corrosion. of the same, resulting in the appearance of wounds and consequent gastritis or ulcers, respectively.
Among patients with gastritis and/or ulcers, one of the dilemmas is associated with the foods to consume in order to minimize the sensation of pain and discomfort.
This presentation gives information on the pharmacology of Prostaglandins, Thromboxanes and Leukotrienes i.e. Eicosanoids. Eicosanoids are signaling molecules derived from polyunsaturated fatty acids like arachidonic acid. They are involved in complex control over inflammation, immunity, and the central nervous system. Eicosanoids are synthesized through the enzymatic oxidation of fatty acids by cyclooxygenase and lipoxygenase enzymes. They have short half-lives and act locally through autocrine and paracrine signaling.
Computer in pharmaceutical research and development-Mpharm(Pharmaceutics)MuskanShingari
Statistics- Statistics is the science of collecting, organizing, presenting, analyzing and interpreting numerical data to assist in making more effective decisions.
A statistics is a measure which is used to estimate the population parameter
Parameters-It is used to describe the properties of an entire population.
Examples-Measures of central tendency Dispersion, Variance, Standard Deviation (SD), Absolute Error, Mean Absolute Error (MAE), Eigen Value
The Children are very vulnerable to get affected with respiratory disease.
In our country, the respiratory Disease conditions are consider as major cause for mortality and Morbidity in Child.
Discover the benefits of homeopathic medicine for irregular periods with our guide on 5 common remedies. Learn how these natural treatments can help regulate menstrual cycles and improve overall menstrual health.
Visit Us: https://drdeepikashomeopathy.com/service/irregular-periods-treatment/
Nutritional deficiency Disorder are problems in india.
It is very important to learn about Indian child's nutritional parameters as well the Disease related to alteration in their Nutrition.
“Psychiatry and the Humanities”: An Innovative Course at the University of Mo...Université de Montréal
“Psychiatry and the Humanities”: An Innovative Course at the University of Montreal Expanding the medical model to embrace the humanities. Link: https://www.psychiatrictimes.com/view/-psychiatry-and-the-humanities-an-innovative-course-at-the-university-of-montreal
1. FlexCare • 3340 Peachtree Road, NE, Suite 1690, Atlanta, GA 30326
(P) 404.846.4100 • (F) 404.846.4999 • FlexCare.com • MyFlexCare.com
TELEHEALTH VALUE ADDS
FlexCare
FlexCare is a true telehealth solutions provider.
Online
E-Doc
Direct
MyFlexCare.com
Care
video Nurseline
Roadside Doctors
Savings Telehealth
FlexCare
prescribe
anywhereCounseling
anytime
Pharmacy
HearingCare
medications
Advocacy
Imaging
Travel
HEALTHY
Telemedicine
FlexCare.com
TeleMedicinetraveling
ID
Sanctuary
nurseline
Lab
Telephonic
Sanctuary Fitness Club
24 hours
medicalbillsaver
Health Advocate
diagnosis
Dental
Care
Tax Help
Pet
Care
Vision
roadside assistance
Elder Care
2. eDocAmerica empowers individuals to
make better decisions about their health.
Services:
• Direct email access to the eDocAmerica medical team of professionals
• Ability to send in files for review including pictures, patient records, and lab results
• Asynchronous telephonic access to medical team through eDocVoice
• Smartphone App that integrates phone tools and provides full access to the medical team
• 3D Video library with 300+ state of the art animations that include voice-over explanation
• Weekly health tips written by physicians and delivered right to your email
• Personal Health Record provides secure storage for your health information
• All services are unlimited, confidential and cover the entire immediate family
Visit www.FlexCare.com for more information.
eDocAmerica gives families the confidence to act by providing them the comprehensive
decision support that they need. eDocAmerica provides participants 24/7 email access to the
expertise of board-certified physicians, psychologists, dentists, pharmacists, dieticians, and
fitness trainers. Physician responses are normally received within 2—4 hours and guaranteed
within 24 hours. With a proven ROI, eDocAmerica empowers individuals to make better
decisions about their health.
FlexCare • 3340 Peachtree Road, NE, Suite 1690, Atlanta, GA 30326
(P) 404.846.4100 • (F) 404.846.4999 • FlexCare.com • MyFlexCare.com
E-DOC ONLINE
edocAmerica
3. DENTAL CARE
Aetna Dental Access
The discount program provides access to the Aetna Dental Access® network. This network is adminis-
tered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers
the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent, representative or employ-
ee of discount program. Dental providers are independent contractors and not employees or agents of
ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.
Highlights:
• Members save 15% to 50%* on everything from general dentistry and cleanings to root canals, crowns
and orthodontia.
• Over 92,500** dental practice locations.
• Save on routine dental services such as x-rays and fillings.
• Save on specialty care such as orthodontics and periodontics where available.
Dental benefit is not available to VT residents.
*Actual costs and savings vary by provider and geographical area.
** According to the Aetna Enterprise Provider Database as of November 1, 2010
Visit www.FlexCare.com for more information.
This dental network provides members with discounts of 15% to 50%* on dental procedures at
over 92,500** available dental practice locations nationwide. Members simply present their
card bearing the Aetna Dental Access® logo, along with payment in full of the discounted fee,
for immediate savings at the time services are rendered. Members will want to utilize their
card and enjoy the savings time and time again.
FlexCare • 3340 Peachtree Road, NE, Suite 1690, Atlanta, GA 30326
(P) 404.846.4100 • (F) 404.846.4999 • FlexCare.com • MyFlexCare.com
4. DENTAL CARE
Aetna Dental Access
Q. How does the dental plan work?
A. Participating dental providers are listed in the membership fulfillment kit; members may also call the toll-free
number located on the back of the membership card Monday through Friday, 7 a.m. to 7 p.m. and Saturday, 8 a.m.
to 5 p.m. Central Time. When calling to schedule an appointment the member should identify him/herself as a
member of the Aetna Dental Access program. To receive the discount the member must present the membership
card and pay the total bill at the time of service.
Q. Is there a limit to the number of times the card may be used?
A. No. Members and their families may take advantage of the savings any time throughout the year. Members may
also change dentists within the network whenever they choose.
Q. May this discount be combined with dental insurance?
A. In many cases, members may use both. Simply visit a participating dental provider, pay the bill and submit it to
the insurance company. The net out-of-pocket cost will be lower because the insurance company should reim-
burse the member their plan allotted percentage of the reduced bill.
Q. Is there someone that can answer questions about the card and services offered?
A. Yes. Simply call the toll-free number located on the back of the membership card Monday through Friday,
between 8 a.m. and 6 p.m. Central and Saturday between 9 a.m. and 1 p.m. Central. A member services representa-
tive is standing by to answer any questions.
Q. What if a member's dentist is not a participating provider?
A. Simply call the toll-free number on the membership card and give the member services representative the
doctor's name, address, phone number and specialty. We then contact the doctor about becoming a provider.
5. FITNESS ADVANTAGE
Your members can live a healthier lifestyle with
discounted rates at over 9,500 health and fitness clubs.
International Fitness Club Network
IFCN offers an opportunity to get a head start on a healthier lifestyle through access to International
Fitness Club Network (IFCN), a network of high quality health and fitness clubs at affordable rates.
• Available in all 50 states with over 8,500 participating health clubs worldwide. Some of the largest club
chains in the country are members of the IFCN, including Bally Total Fitness,
Jazzercise, LA Fitness and Lifetime Fitness.
• Health and Fitness Clubs are required to meet the American College of Sports Medicine's health and
safety standards.
• Members receive a one-week introductory trial membership certificate, free of charge. This allows
members to try several participating clubs for one week each, giving the opportunity to truly experience
the club and its facilities. (Not to be combined at the same club.)
• Members receive the lowest rate for the type of membership selected
• Members may access the member service website or call the toll-free number 24 hours a day, 7 days a
week to speak with a trained member service representative concerning various club
locations and facility information.
• Discounts on fitness equipment from Sears and 2nd Wind
Visit www.FlexCare.com for more information.
Your members can live a healthier lifestyle with discounted rates at over 9,500 health and
fitness centers including chains and local clubs. Members start with free one-week trial
memberships, then get great rates when they join.
FlexCare • 3340 Peachtree Road, NE, Suite 1690, Atlanta, GA 30326
(P) 404.846.4100 • (F) 404.846.4999 • FlexCare.com • MyFlexCare.com
International Fitness Club Network
6. FITNESS ADVANTAGE
International Fitness Club Network
Q. What "rate" will members receive with this benefit?
A. The IFCN benefit contracts with quality health and fitness clubs that vary greatly in size, amenities offered and facilities
available. To this end, it is impossible to set one rate for every club. Participating health clubs will offer the member their "lowest
membership rate, for the type of membership selected." Many clubs offer a variety of memberships (i.e. Aerobics Only, Fitness
Room Only or a Full Facility Membership) therefore IFCN members receive the lowest rate for whichever membership they have
selected.
Q. How does this benefit work?
A. To take advantage of the benefit, members should:
• Visit the member services website or call the toll-free number located on the back of the membership card to locate a
participating facility.
• Call the health club and speak with someone in the membership department. Schedule a time to tour the facility and
utilize the one-week free membership certificate. Present the membership card at the time of the visit to receive the
lowest membership rate.
• Discuss what the lowest membership rate would be for the type of membership selected with the health club's
membership department.
Q. How do members get the free certificates?
A. Certificates are available online at the website address located in the membership kit. Members simply print the certificate
and present it to the fitness facility to receive a one week free membership. If a member does not have access to the Internet,
call the toll-free number located on the back of the membership card and reference IFCN to receive the certificate by mail.
Q. May members use this benefit in conjunction with their existing membership?
A. The "lowest membership rate for the type of membership selected" may only be offered to new members joining a club. If a
member already belongs to a facility and has a contract with a participating club, he/she should contact someone in the club
membership office to see if the IFCN rate will apply.
Q. Do all facilities within a national chain participate with IFCN?
A. Some club chains, such as Bally Total Fitness, Lifetime Fitness and LA Fitness, are enrolled in the IFCN on a national level,
meaning that every club that bears this name is an IFCN club. However, there are some club chains, such as Curves for Women
that enroll in the IFCN on a club-by-club basis. These clubs are independently owned and operated, and can therefore choose
whether or not they would like to enroll in the IFCN. Please use the IFCN club search engine to make sure that a club near you is
part of the IFCN.
Q. What if I can't find a gym in my area?
A. Members should visit the website to access the health club database or call the toll-free number and speak with a member
service representative to locate a club. If you are still unable to find a club in your area, members may nominate a health club to
join the network. Simply fill out the "Refer a Club" form online or call the customer service number and speak with a
representative. Nominated clubs are invited to join IFCN without obligation.
Q. My gym didn't know about the program but they are listed as a member club. What do I do?
A. The International Fitness Club Network (IFCN) benefit works with over 8,500 health clubs worldwide - health clubs have a
large ever-changing staff; therefore there will be an occasion when one club representative doesn't know about their club’s
participation in IFCN. If this happens, speak with someone in the health club’s membership department and mention that you
have the IFCN benefit through IFCN. If they are unclear as to their participation, please call the toll-free member service number
located on the back of the membership card and speak with a representative.
Q. May my wife/husband join the club with me?
A. IFCN is extended to members and their immediate family. Immediate family members are defined by the individual club.
Q. What do the clubs have to do to belong to the IFCN program?
A. IFCN is a free and voluntary program for clubs to join. Every participating club signs a contract stating
they will: • Offer their "lowest membership rate for the type of membership selected"
• Offer a 1 week free trial membership (subject to space availability)
7. PHARMACY SAVINGS CARD
HealthTrans
Even for those with insurance cards, many prescriptions aren’t covered—cosmetic drugs, appetite sup-
pressants, smoking cessation prescriptions, prenatal vitamins, inject-able supplies, contraceptive devices,
immunizations, vaccines and many more. Our card covers them all. We even cover human medications
prescribed for pets.
Other Features:
• Everyone in the family can use the same card.
• There are no limits to how many times the card can be used.
• There are absolutely no fees to use this card.
Visit www.FlexCare.com for more information.
The HealthTrans Pharmacy Savings Card delivers significant discounts on both brand name
and generic drugs at over 60,000 pharmacies nationwide. The discounts range from 10% to
80% off of the average wholesale price of the drug—average savings is over 41%.
FlexCare • 3340 Peachtree Road, NE, Suite 1690, Atlanta, GA 30326
(P) 404.846.4100 • (F) 404.846.4999 • FlexCare.com • MyFlexCare.com
8. LEGAL SERVICES DIRECT
Legal Club of America
Attorneys in our network have an average of 19.4 years of experience.
Highlights
• A nationwide network of thousands of attorneys in all 50 states
• Plan attorneys will either charge $125.00 per hour, or 40% off their usual and customary hourly rate,
whichever is greater
• Nine (9) free services* which include:
- Unlimited initial phone consultations for new legal matters
- Initial one-on-One consultations for new legal matters
- Attorney review of independent legal documents (6 page max.) per new matter
- When deemed appropriate by plan attorney, attorneys will write letters on member's behalf
- When deemed appropriate by plan attorney, attorneys will make phone calls on member's
behalf
- Assistance in solving problems with government programs such as welfare and INS
- Attorneys will help members represent themselves in small claims court
- Free simple will with annual updates
- A state specific, web-based, free LivingWill form is available to members. This form can
be taken to and completed by the attorney
Visit www.FlexCare.com for more information.
FlexCare • 3340 Peachtree Road, NE, Suite 1690, Atlanta, GA 30326
(P) 404.846.4100 • (F) 404.846.4999 • FlexCare.com • MyFlexCare.com
9. LEGAL SERVICES DIRECT
Legal Club of America
Q. Can members change attorneys, for whatever reason?
A. Yes, at any time, for whatever reason and as often as needed. Members are not restricted in any way. Simply call
the toll-free number on the back of the membership card for a new referral to a participating attorney anytime.
Q. What happens if a member moves to another part of the country?
A. The member should call the toll-free number on the back of the membership card and he/she will be assigned
to another network attorney. With a network of thousands of attorneys in all 50 States, Puerto
Rico and the U.S. Virgin Islands, members will always have their legal needs taken care of.
Q. What is excluded or not eligible under the plan?
A. Nothing. Since the plan is not an insurance policy, there are no pre-existing conditions, exclusions,
waiting periods or usage limitations. All areas of law are eligible for the discounts; including but not limited to,
simple traffic offenses to more complicated custody, criminal and civil suits.
Q. What are some of the benefits?
A. As a plan member, the attorney will provide:
• Nine free services, such as the preparation of a simple will (along with annual updates), unlimited
consultation per new legal matter, review of important legal documents per new legal matter (six page
max.) and many others.
• Eight deeply discounted services, such as $275 for a simple divorce, $750 for filing Chapter 7 bankruptcy,
$250for a real estate closing, to name just a few.
• All extended service and in-court representation is available for $125.00 per hour, or 40% off the usual and
customary hourly rate. This is a tremendous savings over the national average of $210 per hour.
• Contingency fees (if any) are at a 10% reduction of the state's maximum rate, or the attorney's usual rate,
whichever is lower.
Q. Are family members eligible to receive these services?
A. Yes. This benefit may be used by members, their spouse or domestic partner, dependent children under the age
of 25 and any dependent individuals residing in the member's household such as a parent or grandparent.
Q. Why are legal services needed?
A. Attorneys are needed in various cases, including:
• If the member is married and/or has children but does not have a will
• When buying a home
• When contemplating divorce
• When dealing with child custody issues
• When confronted with overwhelming debt
• To review any lease or rental agreement
10. TELEPHONIC COUNSELING
APS Healthcare
Counselors work with a multitude of issues including:
• Depression, anxiety or stress
• Conflicts at work or home
• Reliance on alcohol, drugs, tobacco or food
• Sexual, physical or emotional abuse
• Loss and grief
• Change and transition
Members receive free unlimited telephone counseling services 24 hours a day, 7 days a week.
• Free telephone problem-solving services
• Counselor qualifications include a master's degree and five years of postgraduate experience
• Counselors follow up and monitor progress until member is satisfied
• When appropriate, members are referred to local licensed counselors
• Services are confidential and will not jeopardize employment
Visit www.FlexCare.com for more information.
Emotional and relationship challenges sometimes seem overwhelming, but personal
problems are as treatable as any other health concern if you know where to turn. Telephone
counselors assist with problem resolution and suggest options to help members with
personal issues of any size.
FlexCare • 3340 Peachtree Road, NE, Suite 1690, Atlanta, GA 30326
(P) 404.846.4100 • (F) 404.846.4999 • FlexCare.com • MyFlexCare.com
11. TELEPHONIC COUNSELING
APS Healthcare
Q. How much are members charged when using the Counseling Services?
A. Members are not charged to talk to a counselor, and they may use the benefit as often as they like. The fee for
this service is included in the retail price of the membership card.
Q. What is a 24 Hour Counseling Service?
A. A telephonic counseling service (also known as an EAP) is a program that offers assistance to both members and
their immediate family. Members are eligible to receive assessment, short-term problem resolution or referrals to
address personal problems. All services are performed telephonically.
Q. Are counseling services just for members in crisis?
A. No. While counseling can certainly help members who are in crisis, the goal is to assist members in addressing
personal problems early in an effort to prevent crisis. The Counseling Service provides assistance with a wide range
of personal matters, such as self-improvement, parenting/family, marital/relationship, workplace issues,
depression, anxiety, alcohol/drug abuse, gambling, etc.
Q. What if a member needs help beyond the scope of the Counseling Service?
A. Our Counseling Professionals can assist in helping align the right resources for the problem. The costs of these
services are not covered in the program. We can help the member select which services would be of most help to
them based on the information they provide.
Q. Is this service confidential?
A. The Counseling Service is a confidential program that provides telephonic access to experienced master-level
EAP professionals 24 hours a day, 7 days a week. These professionals help assess problems and conduct
short-term problem resolution for issues impacting work and/or personal life. As required by law, we cannot
release information without the member's signed consent with exception of emergency situations and to report
child abuse.
12. ROADSIDE ASSISTANCE
Don’t leave your members stranded! 24/7 help
with a flat tire, lock-out, battery, collision and towing.
Roadside Assistance is available 24 hours a day, 365 days a year to assist members when owned or
leased vehicles are disabled as a result of unavoidable circumstances. Members will only have to pay for
any non-covered expenses or covered costs in excess of the 15 miles per occurrence maximum (up to
$80 retail value). Coverage is extended to the member, spouse, and dependent children up to 21 years of
age permanently residing at registered address when driving any vehicles that they own or lease for 12
months or longer.
• Available 24 hours a day, 365 days a year
• Up to 15 miles towing (up to $80 retail value) per occurrence maximum for covered charges
• Covers Member, spouse and dependent children up to age 21 permanently residing at registered
address when driving any vehicles they own or lease (12 months or longer)
• Towing Assistance
• Flat Tire Assistance
• Fuel, Oil, Fluid andWater Delivery Service
• Lock-out Assistance
• Battery Assistance
• Collision Assistance
Reminder:
Information about our programs changes constantly; therefore, all marketing and sales materials must be submitted to FlexCare for review and
approval prior to printing or distribution. Thank you.
Visit www.FlexCare.com for more information.
Don’t leave your members stranded! Roadside Assistance is there for your members and their
immediate family to help with a flat tire, lock-out, battery, collision and towing—with coverage
up to 10 miles. They will even bring fuel, oil, fluid and water 24/7.
FlexCare • 3340 Peachtree Road, NE, Suite 1690, Atlanta, GA 30326
(P) 404.846.4100 • (F) 404.846.4999 • FlexCare.com • MyFlexCare.com
National Safe Drivers
13. ROADSIDE ASSISTANCE
National Safe Drivers
Q. How does this benefit work?
A. Just by calling the toll-free number on the membership card, a service vehicle is dispatched to the
member's location. Emergency Roadside Assistance is available throughout the United States and Canada, 24 hours
a day, 365 days a year. Members only pay for any costs in excess of the $80.00 per occurrence limit plus any
non-covered costs.
Q. Can the vehicle be left unattended where it became disabled and still be serviced?
A. Service providers are not allowed to service an unattended vehicle so it is important that the vehicle remains
attended after the call for assistance has been placed.
Q. Can members still be reimbursed if they pay out of pocket at the time of service?
A. Members must contact Emergency Roadside Assistance's 24-hour, toll-free number to have an authorized
network service provider dispatched to their assistance. Assistance obtained through any
source other than the Emergency Roadside Assistance provider is not covered and is not reimbursable. In the event
that service is not obtainable through the Emergency Roadside Assistance provider, the member will receive an
authorization number from the Emergency Roadside Assistance provider and will receive
a refund of payments made according to the program benefit and coverage limits for services secured
independently.
Q. What exactly is considered a 'covered emergency?'
A. The following are covered emergencies, subject to the $80.00 per occurrence limitation:
• Towing Assistance - When towing is necessary, the covered vehicle will be towed to the closest qualified
service facility or to any location requested
• Battery Service - If a battery failure occurs, a jump-start will be applied to start the covered vehicle
• Flat Tire Assistance - Service consists of the removal of the flat tire and its replacement with the spare tire
• Fuel, Oil, Fluid, andWater Delivery Service - An emergency supply of fuel, oil, fluid, and water
will be delivered if you are in immediate need. You must pay for the fuel or other fluid when it is delivered
• Lock-out Assistance - If your keys are locked inside of the vehicle, we will provide assistance in gaining
entry to the vehicle.
14. HEARING CARE
Access to a variety of hearing programs and discounts in
retail locations nationwide and the mail order program.
Retail Hearing Aids
Members may select from 1,350 Beltone locations nationwide to receive a free hearing screening and
15% off over 70 models of Beltone Hearing Aids. All technologies and models are available including
state of the art digital hearing aids, along with Completely-In-the-Canal, In-the Ear and Behind-the-Ear
models. BelCare™ standardized 12 point customer service program ensures consistent delivery of
professional and comfortable service, regardless of location.
Members also receive a 35% discount off hearing aid prices at more than 2,000 Newport Audiology
Centers full service locations.
Mail Order Hearing Aids
• Save 40% to 60% off average National Retail Pricing on over 100 models of name brand hearing
instruments.
• Receive the lowest price available.
• 45-day in-home trial period and one full year factory warranty
Any make/model hearing aid less than five years old may be repaired with a six month warranty for just
$90.00 or with a 12-month warranty for just $115.00 (digital or analog programmable aids are slightly
more, depending upon model).
Visit www.FlexCare.com for more information.
Enjoy access to a variety of hearing programs providing hearing aid discounts of 15% to 35% in
retail locations nationwide and discounts of 40% to 60% through the mail order program.
FlexCare • 3340 Peachtree Road, NE, Suite 1690, Atlanta, GA 30326
(P) 404.846.4100 • (F) 404.846.4999 • FlexCare.com • MyFlexCare.com
Beltone
15. HEARING CARE FAQs
Q. What is the hearing aids benefit?
A. Members call the toll-free number to speak with a representative who will answer questions about hearing loss, hearing aids,
pricing/payment options, and arrange a hearing test appointment at the closest hearing provider. Through participating provid-
ers, members receive a 15% to 35% discount and a free hearing test at over 2,050 locations throughout the US. In addition,
members have access to a mail order program that offers discounts of 40% to 60% off average National Retail Pricing on over
100 models of name brand hearing instruments.
Q. May family members utilize this benefit?
A. Yes. This plan may be used by the member, their spouse, and legal dependents.
Q. Is there a selection of hearing aids from which to choose?
A. Yes, most locations offer 15 different brands and over 70 models.
Q. What states do not allow hearing aids to be bought through the mail?
A. This benefit is available in all 50 states.
Q. What services are included in the program?
A. Significant discounts on the purchase of hearing instruments.
• An excellent customer service call center to handle all questions and scheduling.
• Two-year warranty on all included products with an option to purchase an extended warranty.
• 45-day trial period with a money-back guarantee.
• Free hearing screening plus three (3) free visits to the hearing professional.
• Patient financing options.
• Large and rapidly expanding network of participating providers. The preferred prices* are as follows:
• $995 for one Basic (100% digital, 2 channels, 2 memories) the MSRP = $1595, a saving of 37%
• $1495 for one Medallion (100% digital, 7 channels, 3 memories, voice processing, feedback detection) the MSRP =
$3595, a saving of 58%
• $1995 for one Ultra (100% digital, 14 channels, 3 memories, feedback detection 6 compression areas, noise
reduction, speech preservation etc.) the MSRP = $4755, a saving of 58%
*All preferred prices are considered "payment in full" when included services are rendered by a participating provider.
Q. Do prices vary by style within a particular hearing model or class?
A. The prices do not vary for a different size or model of hearing aids within the class (Basic, Medallion
or Ultra). For example, within the Medallion class, the Medallion is priced the same for a Completely-In- the-Canal model, as
opposed to any larger size such as a Behind-the-Ear hearing instrument.
Q. Who is eligible for the program?
A. Eligible persons include the member, the member's spouse and the member's legal dependents, as well as the member's
parents and grandparents.
Q. What does the warranty include?
A. During year 1, the warranty includes any loss or damage with full replacement. During year 2, the
warranty includes repairs only. During year 3, the member may purchase an extended warranty. The current average cost is $150
per year.
Q. What type of providers are in the network?
A. The network is comprised of only the best in hearing professionals. These include Doctors of Audiology, Audiologists, and
Board Certified Hearing Instrument Specialists. All must have current state licenses.
Q. What constitutes a complimentary hearing screening under the program?
A. A screening from a hearing professional is simply a pass/fail test. Hearing aids will not be prescribed on just a screening alone.
If an individual fails a hearing screening, a full diagnostic test will be
administered. Full diagnostic testing can be charged to the patient from an audiologist. In most cases only a co-pay is expected
from the patient. If a Hearing Instrument Specialist is performing the testing, the full
diagnostic testing will always be free of charge to the patient.
Q. How do Members access the program?
A. Members begin by calling the toll-free Customer Call Center to schedule their complimentary
examination. The member will then be guided through the process from beginning to end.
Beltone
16. PET CARE
Pet Assure
The Pet Care Savings Program is designed to save members money on everything for their special
family member - their pet! All the pets in the household can take advantage of this program. The Pet
Care Savings Program is not insurance. With the Pet Care Savings Program there is a 25% discount at
network veterinarians on most procedures, plus savings of 10% to 30% on pet products and services
at participating merchants. The Pet Care Savings Program also includes a free pet ID tag and confi-
dential 24-hour pet location service in the event of a lost pet.
Highlights
• Save 25% on most in office medical care with each visit to a network veterinarian
• Save 10% to 30% at participating providers on pet services such as boarding, doggie day care, training,
pet sitting and grooming
• Save 10% to 30% at participating merchants on pet supplies such as food, beds, toys, treats and
vitamins
• Free pet ID tag(s) and 24-hour location service for lost pets
• Available for use with all animals, from companion animals such as dogs and cats to exotic animals such
as birds and reptiles
Visit www.FlexCare.com for more information.
FlexCare • 3340 Peachtree Road, NE, Suite 1690, Atlanta, GA 30326
(P) 404.846.4100 • (F) 404.846.4999 • FlexCare.com • MyFlexCare.com
17. Q. What is the Pet Care Savings Program?
A. The Pet Care Savings Program is designed to save members money on everything for their special family
member - their pet! All pets in the household can take advantage of this program. With the Pet Care Savings
Program there is a 25% discount at our network veterinarians on most procedures, plus savings up to 30% on pet
products and services at participating merchants. The Pet Care Savings Program also includes a free pet ID tag and
enrollment in its Nationwide Lost Pet Location and Recovery. This service reunites hundreds of lost pets with their
owners 24 hours a day, 7 days a week.
Q. How do members locate a network provider?
A. Members may call the toll-free number located on the membership card for participating providers in their area.
A website with up to date information is also available 24/7 to assist in provider location.
Q. How do members receive their discount?
A. Participating veterinary practices provide members a 25% savings on most medical services while participating
merchants and service providers provide 10% to 30% savings on many products and/or services. When calling to
make an appointment, the member must confirm that the provider participates in the program prior to purchasing
products and/or services. Once at the provider's location the member must simply present their membership card
at the time of service to have the bill immediately adjusted.
Please Note: A veterinary practice may reduce or eliminate the discount on (i) time-limited specials such as
coupons or special sales, (ii) food and flea products (iii) routine boarding and grooming (iv) services by professionals
that are not part of the regular practice staff and (v) low-margin pharmaceuticals.
Q. Can members refer their veterinarians or service providers to the network?
A. Yes. Please ask the provider to call us toll-free for information on joining the network.
Q. What if a member loses his or her pet ID tag?
A. Please call us immediately. We will send you a replacement within one business day.
Q. Can a member add an additional pet after signing up for the Pet Care Savings program?
A. Yes. A website is available to update both pet information and the member's personal information. The member
may also call toll-free to speak with a member service representative who will be able to update his or her
information.
PET CARE
Pet Assure
18. ID SANCTUARY
Individual
Protect your members’ identities with ID Sanctuary.
Identity thieves target Americans of all ages and at
all stages of their lives, from childhood, college,
and marriage to home ownership and retirement.
For this reason, more organizations are providing
identity theft management services to their
customers and members. Members appreciate
these services, and graciously welcome the
identity protection, especially when they need it
most. With ID Sanctuary, your members can rely
on immediate, personalized attention from a fraud
specialist whenever they need it. Fraud specialists
are armed with the knowledge to help reduce the
risk of identity theft and provide unlimited
resolution assistance should the member fall
victim—providing your members with emotional
support and peace of mind.
• Unlimited 24/7 resolution assistance whenever a
member’s identity has been compromised
• Step-by-step guidance through the identity
resolution process if a member is ever a victim of
identity theft or fraud
• Document replacement assistance when
identification documents such as Social Security
cards, birth certificates, passports and driver’s
licenses are lost, stolen or destroyed
• Checking and savings account alerts
• Credit inquiry activity alerts
• One bureau credit report, credit score and
monitoring
• Access to an online educational resource with
news articles, information, tips and best practices
to protect against identity theft
Identity thieves target Americans of all ages and at all stages of their lives, from childhood,
college, and marriage to home ownership and retirement. For this reason, more organizations
are providing identity theft management services to their customers and members. Members
appreciate these services, and graciously welcome the identity protection, especially when
they need it most. ID Sanctuary provides the proactive tools and recovery assistance your
members need to quickly respond to an identity or fraud crisis.
Visit www.FlexCare.com for more information.
FlexCare • 3340 Peachtree Road, NE, Suite 1690, Atlanta, GA 30326
(P) 404.846.4100 • (F) 404.846.4999 • FlexCare.com • MyFlexCare.com
19. ID SANCTUARY ENHANCED
Individual
Protect your members’ identities with ID Sanctuary.
Identity thieves target Americans of all ages and at
all stages of their lives, from childhood, college,
and marriage to home ownership and retirement.
For this reason, more organizations are providing
identity theft management services to their
customers and members. Members appreciate
these services, and graciously welcome the
identity protection, especially when they need it
most. With ID Sanctuary, your members can rely
on immediate, personalized attention from a fraud
specialist whenever they need it. Fraud specialists
are armed with the knowledge to help reduce the
risk of identity theft and provide unlimited
resolution assistance should the member fall
victim—providing your members with emotional
support and peace of mind.
• Unlimited 24/7 resolution assistance whenever a
member’s identity has been compromised
• Step-by-step guidance through the identity
resolution process if a member is ever a victim of
identity theft or fraud
• Document replacement assistance when
identification documents such as Social Security
cards, birth certificates, passports and driver’s
licenses are lost, stolen or destroyed
• Credit inquiry activity alerts
• One bureau credit report, credit score and
monitoring
• Access to an online educational resource with
news articles, information, tips and best practices
to protect against identity theft
Identity thieves target Americans of all ages and at all stages of their lives, from childhood,
college, and marriage to home ownership and retirement. For this reason, more organizations
are providing identity theft management services to their customers and members. Members
appreciate these services, and graciously welcome the identity protection, especially when
they need it most. ID Sanctuary provides the proactive tools and recovery assistance your
members need to quickly respond to an identity or fraud crisis.
Visit www.FlexCare.com for more information.
FlexCare • 3340 Peachtree Road, NE, Suite 1690, Atlanta, GA 30326
(P) 404.846.4100 • (F) 404.846.4999 • FlexCare.com • MyFlexCare.com
20. ID SANCTUARY
Family
Protect your members’ identities with ID Sanctuary.
Identity thieves target Americans of all ages and at
all stages of their lives, from childhood, college,
and marriage to home ownership and retirement.
For this reason, more organizations are providing
identity theft management services to their
customers and members. Members appreciate
these services, and graciously welcome the
identity protection, especially when they need it
most. With ID Sanctuary, your members can rely
on immediate, personalized attention from a fraud
specialist whenever they need it. Fraud specialists
are armed with the knowledge to help reduce the
risk of identity theft and provide unlimited
resolution assistance should the member fall
victim—providing your members with emotional
support and peace of mind.
• Unlimited 24/7 resolution assistance whenever
a member’s identity has been compromised
• Step-by-step guidance through the identity
resolution process if a member is ever a victim of
identity theft or fraud
• Document replacement assistance when
identification documents such as Social Security
cards, birth certificates, passports and driver’s
licenses are lost, stolen or destroyed
• Checking and savings account alerts
• Credit inquiry activity alerts
• One bureau credit report, credit score and
monitoring
• Access to an online educational resource with
news articles, information, tips and best practices
to protect against identity theft
• Includes the member and up to three legal
dependents over the age of 18
Identity thieves target Americans of all ages and at all stages of their lives, from childhood,
college, and marriage to home ownership and retirement. For this reason, more organizations
are providing identity theft management services to their customers and members. Members
appreciate these services, and graciously welcome the identity protection, especially when
they need it most. ID Sanctuary provides the proactive tools and recovery assistance your
members need to quickly respond to an identity or fraud crisis.
Visit www.FlexCare.com for more information.
FlexCare • 3340 Peachtree Road, NE, Suite 1690, Atlanta, GA 30326
(P) 404.846.4100 • (F) 404.846.4999 • FlexCare.com • MyFlexCare.com
21. ID SANCTUARY ENHANCED
Family
Protect your members’ identities with ID Sanctuary.
Identity thieves target Americans of all ages and at
all stages of their lives, from childhood, college,
and marriage to home ownership and retirement.
For this reason, more organizations are providing
identity theft management services to their
customers and members. Members appreciate
these services, and graciously welcome the
identity protection, especially when they need it
most. With ID Sanctuary, your members can rely
on immediate, personalized attention from a fraud
specialist whenever they need it. Fraud specialists
are armed with the knowledge to help reduce the
risk of identity theft and provide unlimited
resolution assistance should the member fall
victim—providing your members with emotional
support and peace of mind.
• Unlimited 24/7 resolution assistance whenever a
member’s identity has been compromised
• Step-by-step guidance through the identity
resolution process if a member is ever a victim of
identity theft or fraud
• Document replacement assistance when
identification documents such as Social Security
cards, birth certificates, passports and driver’s
licenses are lost, stolen or destroyed
• Credit inquiry activity alerts
• One bureau credit report, credit score and
monitoring
• Access to an online educational resource with
news articles, information, tips and best practices
to protect against identity theft
• Includes the member and up to three legal
dependents over the age of 18
Identity thieves target Americans of all ages and at all stages of their lives, from childhood,
college, and marriage to home ownership and retirement. For this reason, more organizations
are providing identity theft management services to their customers and members. Members
appreciate these services, and graciously welcome the identity protection, especially when
they need it most. ID Sanctuary provides the proactive tools and recovery assistance your
members need to quickly respond to an identity or fraud crisis.
Visit www.FlexCare.com for more information.
FlexCare • 3340 Peachtree Road, NE, Suite 1690, Atlanta, GA 30326
(P) 404.846.4100 • (F) 404.846.4999 • FlexCare.com • MyFlexCare.com
22. LAB & IMAGING
Direct Labs
Imaging
Members receive discounts of 10% to 60%* off usual charges for MRI and CT procedures while utilizing
credentialed radiology providers. These radiologists deliver tests and test interpretations which lead to
appropriate diagnosis and effective treatment.
Lab
With DirectLabs, members save 10% to 80% off typical lab costs for blood, urine, saliva, hair and fecal
tests. The lab tests promote early detection of possible serious medical conditions such as heart disease,
prostate cancer, diabetes, and thyroid disease.
Highlights
• Save 10 to 80% on typical costs for blood tests.
• Place your order online or by phone and DirectLabs finds the location of the nearest major clinical
laboratory and provides the necessary order.
• Confidential results available within 24-48 hours on most tests.
*Savings may vary based on geographic location, provider selected and procedure performed.
** The lab network portion of this benefit is not available in MA, MD, ND, NE, NJ, NY, RI, or SD.
Visit www.FlexCare.com for more information.
FlexCare • 3340 Peachtree Road, NE, Suite 1690, Atlanta, GA 30326
(P) 404.846.4100 • (F) 404.846.4999 • FlexCare.com • MyFlexCare.com
23. VISION
Coast-to-Coast Vision
The CTC provider network is the most comprehensive in the U.S. and includes ophthalmologists, optom-
etrists, independent optical centers and national chain locations such as Pearle Vision, JCPenney Optical,
Sears Optical, Target Optical, LensCrafters, EyeMasters and QualSight LASIK.
Highlights
• Savings of 20% to 60% on prescription eyewear.
• Also, save 10% to 20% on contact lenses (excluding disposables) at participating retail locations.
• Savings of 10% to 30% on eye exams.
• Save 40% to 50% off the overall national average on LASIK surgery (PRK and CK available at select
locations).
• Most frames, lenses and specialty items such as tints, coatings and UV protection are available.
• No limit on the number of times membership may be used during the year.
• Two guarantees - 30 day unconditional money-back satisfaction guarantee and low price guarantee on
eyeglasses
• Members may nominate their own eye care professional to join the network.
Vision Benefit is not available to VT residents.
Visit www.FlexCare.com for more information.
Coast to Coast Vision™ (CTC) has contracted with over 12,000 eyecare locations nationwide.
Members save on eyeglasses, contacts, eye exams and surgical procedures.
FlexCare • 3340 Peachtree Road, NE, Suite 1690, Atlanta, GA 30326
(P) 404.846.4100 • (F) 404.846.4999 • FlexCare.com • MyFlexCare.com
Members save on eyeglasses, contacts,
eye exams and surgical procedures.
24. VISION
Coast-to-Coast Vision
Q. What is the vision benefit? Does it include eye exams? Does it include contact lenses?
A. The vision benefit offers 10% to 60% discounts on eyewear and eye care at more than 12,000 optical locations
throughout the United States. Providers include national optical chains such as LensCrafters,Pearle Vision,
EyeMasters, JCPenney, and Sears as well as regional chains and thousands of independent practitioners. Often
many participating locations offer discounts of 10% on eye exams for both eye glasses and contact lenses.
Additionally, the ophthalmology portion of the network offers 10% to 30% discounts on eye exams and surgical
procedures, including the popular laser surgeries in select markets. On average, members receive a 20% discount
on replacement contact lenses (excluding disposable lenses) at retail locations. Members may elect to use the mail
order service to purchase replacement contact lenses (including disposables) at a 10% to 40% discount.
Q. Is Coast to Coast Vision™ (CTC) discount insurance?
A. No. While an insured plan is available, CTC is a discount eyewear and eye care program. There is no paperwork.
The participating retail optical locations will give the discount at the time of the purchase.
Q. Can members use CTC if they already have vision insurance?
A. Yes. In most cases CTC can be utilized to eliminate or reduce the deductible. Once the insurance benefit has
been exhausted, members may use their discount to buy additional pairs of glasses or contacts.
Q. Is there a limit on the number of times the benefit can be used?
A. There is no limit on the number of times the member or family member can take advantage of the savings
provided by CTC.
Q. Does the CTC discount include family members?
A. It includes the member, their spouse and all legal dependents.
Q. What is included with CTC membership?
A. Prescription glasses and contact lenses are discounted 20% to 60% in most cases. Eye exams and surgery are
discounted 10% to 30% where available.
Q. Why does the discount vary from 10% to 60%?
A. Many variables go into the calculation of the discount such as market demographics, location, hours of operation,
one-hour service capability and level of retail mark-up. Example - a chain provider in a major metropolitan mall,
open seven days a week, 10 hours a day with an on-site lab, will more than likely have a different mark-up than an
independent practitioner in a rural community. However, members will pay almost exactly the same price for the
exact same materials regardless of where the purchase is made. Only the percentage of discount off retail may
vary.
Q. Can members receive the discount at any optical location?
A. No. Members must go to an optical location that is contracted with Coast to Coast Vision™ to receive a discount.
Our providers include national, regional and local chains as well as thousands of independent professionals.
Q. What is a dispensing fee?
A. The dispensing fee is the amount of money that is added to the provider's wholesale acquisition cost of materials.
It is generally the only profit made by the provider on your purchase.
25. VISION
Coast-to-Coast Vision
Q. Is the eye exam discounted?
A. Yes, at approximately 4,000 of our 12,000 locations nationwide. Our member service representatives can tell you
which locations discount eye exams in your area.
Q. What do I do when I get to the location to get my discount?
A. All you need to do to receive your discount is show the provider your membership card and tell them you are with
Coast to Coast Vision™. It is very important that you mention Coast to Coast Vision™ Network to ensure a discount at
the time of purchase.
Q. Do I get the discount if the store is running a sale?
A. The location will not combine our contracted discount with the sale price. However, in most cases, the Coast to
Coast price will be better than the sale price.
Q. Do the retail locations mark up the merchandise to give me the discount?
A. No, you receive the discount because CTC brings the buying power of over 10 million members to the optical
retailers participating with us.
Q. How do I get my eye doctor or optician on the Coast To Coast Vision™ network?
A. If you wish to refer your doctor to the CTC network, just give us their name, address and phone number and we
will contact them about becoming a provider. If your practitioner does not wish to join the plan, you can still use
him/her for your eye exam. Simply take your prescription to one of our participating providers to receive your
discount on glasses or contact lenses.
Q. How can I be guaranteed the greatest savings on contact lenses for me and for my husband?
A. Although members receive a 10% to 20% discount when purchasing replacement contact lenses at participating
optical centers, the greatest savings and selection for contact lenses is often offered through the mail order
program. Replacement contact lenses are discounted at 10% to 40% below retail.
Q. Can I purchase disposable contact lenses at a discount through a participating optical center?
A. No. Disposable lenses are generally priced as "loss leaders" at the retail stores. However, members can use the
mail order contact lens program to receive discounts when ordering disposable lenses.
Q. What if my contact lenses are destroyed while I'm on vacation?
A. Simply call the toll-free number on the back of your membership card. The patient registration keeps your
prescription on file until it expires and we can send your replacements overnight to you almost anywhere in the
world.
Q. What is LASIK?
A. LASIK (Laser-Assisted In Situ Keratomileusis) is an outpatient treatment that uses an Excimer Laser (cool beam of
light) to gently reshape the front surface of the eye (the cornea). Reshaping the cornea redirects the light angle as it
enters the eye to refocus correctly on the retina. This allows images to be more sharply focused. Vision recovery is
rapid, and there is little or no post-operative pain. With refractive procedures, your dependence upon glasses and
contact lenses should diminish significantly.
Q. Can LASIK be done if I have astigmatism?
A. Yes, the LASIK procedure has been approved to effectively treat astigmatism as well as myopia
(nearsightedness) and hyperopia (farsightedness).
26. MEDICAL TRAVEL ASSISTANCE
Keep your members protected when they travel.
Help is just a phone call away.
When your members travel 100 miles or more from home, help is just a phone call away. Members rest
easy knowing they have a global network of doctors, assistance personnel and emergency benefits.
• Emergency medical evacuation
• Monitoring of treatment
• Replacement of lost or stolen travel documents
• Transportation to join a family member in the hospital
• Travel for dependent children
• Pre-travel and security information
• Coordination of hospital payments and insurance
• Medications and vaccines
• Transfer of money
• Translation services
• Return of mortal remains
Disclosures
Medical Travel Assistance not available to FL, OR or WA residents.
Reminder:
Information about our programs changes constantly; therefore, all marketing and sales materials must be submitted to FlexCare for review and
approval prior to printing or distribution. Thank you.
Visit www.FlexCare.com for more information.
When your members travel 100 miles or more from home, help is just a phone call away.
Members rest easy knowing they have a global network of doctors, assistance personnel and
emergency benefits. Services include emergency medical evacuation, monitoring of
treatment, replacement of lost or stolen travel documents and more.
FlexCare • 3340 Peachtree Road, NE, Suite 1690, Atlanta, GA 30326
(P) 404.846.4100 • (F) 404.846.4999 • FlexCare.com • MyFlexCare.com
Frontier MedEx
27. Q. How do members access the Travel Assist Service?
A. Members simply call a toll-free phone number to access the Worldwide Travel Assistance Network. If a toll-free
number is not available from within a country to which the member is traveling, they can call Travel Assistance
collect. The telephone access numbers are printed in the member's fulfillment kit and on the membership card.
Q. When do members utilize the services?
A. Travel Assistance is available 24 hours a day, every day of the year. Many times people are under the impression
that the services are used only in serious cases. Be assured that Travel Assistance is there to help with any type of
illness or injury, regardless of the severity.
Q. Is there a part of the world where Travel Assistance cannot provide services?
A. No. Travel Assistance services extend worldwide.
Q. How many cases does Travel Assistance handle a year?
A. Travel Assistance manages approximately 30,000 cases per year in virtually every country of the world; of which,
approximately one half are emergency medical cases.
Q. How does Travel Assistance help locate appropriate medical care?
A. Travel Assistance has a global network of over 50,000 international providers. The network contains hospitals,
clinics and physicians, as well as other providers geared uniquely to the travel insurance industry, such as air
ambulances, house call physicians and medical escorts. Travel Assistance has rigorous credentialing and
recredentialing standards. Travel Assistance members are provided referrals based on the medical specialty
needed, location, language, office hours, training, etc.
Q. Does Travel Assistance require that members go to specific hospitals, doctors, or clinics?
A. In order to reap the full benefits of our service, we strongly recommend that members contact Travel Assist
before entering hospitals so that we can refer them to facilities that we have previously worked with. Travel
Assistance refers its members to the best providers in the area. If our members go to other providers, Travel
Assistance cannot be certain of the level of treatment. However, Travel Assistance will provide the same assistance
services regardless of where the members are treated.
Q. What happens in the event of a hospitalization?
A. It is important that Travel Assistance is notified as soon as possible. Travel Assistance will then monitor the
member’s care and work through the complex details of foreign hospitalizations. Travel Assistance will immediately
speak with the treating doctor to assess the member’s condition, treatment plans and whether or not an evacuation
is necessary. Travel Assistance will update member’s family, employer and personal physician as appropriate. In
addition, Travel Assistance will coordinate all insurance verifications and admission details.
Q. How does Travel Assistance facilitate hospital admissions?
A. Travel Assistance will coordinate all billing and insurance verifications, including settling any guarantees of
payment. This ensures that there is no delay or denial of medical treatment because a member is unable to make
the up-front payment or because a member's insurance is not recognized.
Q. What if the local facilities are not capable of providing treatment?
A. In evaluating the local facilities, Travel Assistance considers such factors as the quality of the blood supply,
medical technology and specialties available, use of sterile equipment and the patient's medical requirements. If
facilities are inadequate, the Travel Assistance Regional Medical Advisor will report on the safety of such and
evacuation, any medical needs the patient may require en route and the evacuation plan details. Travel Assistance
will consult with all parties involved and fully manage the issues surrounding the evacuation.
Q. Once a member is released from the hospital, do the services end?
A. Travel Assistance assists with a member's case until they have returned home or have received final treatment.
MEDICAL TRAVEL ASSISTANCE
Frontier MedEx
28. ELDER/LONG TERM CARE
The Long-Term/Elder Care program is designed to provide assistance and support to members
dealing with the aging of their parents and family members. Trained and experienced elder care
specialists help you and your family understand the issues related to caring for an older person and
assist you in making the right choices for your family. Visit nursenavigator.com for more information.
Speak with a trained specialist 24 hours a day, 7 days a week about:
• Understanding the emotional and financial challenges of caring for an elderly person
• How in-home services provided by a professional geriatric care manager can ease the caregiving
burden
• Locating an appropriate home health agency, assisted living facility or nursing home at the best rates
Highlights
• Elder Care Information and Referral Care Advisors are available 24 hours a day, 7 days a week to
provide assistance with elder care concerns, answer long-term care questions and help locate local
assistance.
• Discount home healthcare and long-term network members can save 4% to 25% at approximately 5,500
providers when seeking home health agency or assisted living facilities.
• Access to a comprehensive elder care website that offers features such as skill sheets, condition
research, caregiver advice, two minute test, caregiver tools, resource finder and member reports.
• Discounted fee for geriatric care management services. Services provided are telephonic and in- home
evaluations (for an additional hourly or package fee) for all levels of care from basic to
comprehensive. Members receive a 5% to 15% discount on retail rates.
Long-Term Elder Care Benefit is not available to VT residents.
Visit www.FlexCare.com for more information.
FlexCare • 3340 Peachtree Road, NE, Suite 1690, Atlanta, GA 30326
(P) 404.846.4100 • (F) 404.846.4999 • FlexCare.com • MyFlexCare.com
CHCS Services, Inc.
29. TAX HELP LINE
Legal Club of America
Members of the Tax Help Line will have access to unlimited tax advice, prior year tax return review
and free tax return preparation for forms 1040 EZ, 1040A and standard 1040. Tax Help Line provides
members with access to discounts on numerous tax return schedules and forms. Simply call the
toll-free number and members will be able to effectively plan in advance so the year-end tax
preparation is free and painless.
Highlights
• Unlimited advice on federal taxation
• Free tax return preparation for forms 1040 EZ, 1040A and standard 1040
• Deep discounts on numerous other tax schedules
• IRS audit assistance
• Tax planning
• Review of prior year's tax return
• Member portal with tax tips, tax law changes, member advice and much more
Visit www.FlexCare.com for more information.
FlexCare • 3340 Peachtree Road, NE, Suite 1690, Atlanta, GA 30326
(P) 404.846.4100 • (F) 404.846.4999 • FlexCare.com • MyFlexCare.com
30. TAX HELP LINE
Legal Club of America
Q. What does the Tax Help Line do?
A. Tax Help Line offers members access to unlimited tax advice, prior year tax return reviews, and free tax return
preparation for forms 1040 A, 1040 EZ and the standard 1040. In addition, Tax Help Line provides members with
access to discounts on numerous tax return schedules and forms. By using a toll-
free number during normal business hours, members will be able to effectively plan in advance so the year-end tax
preparation is free and painless.
Q. Who is behind the Tax Help Line?
A. All tax and financial assistance is provided by tax attorneys, financial analysts, CPAs, former auditors
and/or Enrolled Agents certified by the IRS. This team of professionals is ready to answer tax questions in a
confidential and secure environment.
Q. What guarantee do members have that the tax returns will be accurate?
A. All tax and financial advice is backed by a $1 million liability policy.
Q. Why would a member who uses tax preparation software to file taxes need the Tax Help Line?
A. With today's tax software programs, users need more than help screens. Offering live, one-on-one direct answers
to members' tax questions over the phone, the Tax Help Line steps in with tax advice tailored specifically to a
member's unique situation.
Q. How would the Tax Help Line assist members in the event of an audit?
A. Tax Help Line will review any notice or letter issued by the IRS and provide professional advice n how to
understand and solve the matter. Tax Help Line experts assist and advise members who get
audited by reviewing the IRS audit notification and helping sort out the facts.
Q. What sort of questions do members ask?
A. Members may ask questions covering any aspect of U.S. tax law, such as:
• Should I open a ROTH IRA?
• How does the capital gain tax work?
• Is the money I inherited taxable?
• Which tax form do I file?
• Is my Social Security or retirement taxable?
• Do I get a break for child care expenses?
• Should I itemize deductions?
• Which deductions can I take if I have a home-based business?
31. HEALTH ADVOCACY
Time is money. Your members get one-on-one support
from professionals for medical or insurance related issues.
Time is money. Personal Health Advocates help your members navigate through insurance and healthcare
systems. Advocates can also locate doctors, specialists, hospitals, dentists and pharmacies. Advocates research
treatments, resolve claims and provide medical explanations so your members can make more informed decisions.
• Untangle medical bills and insurance claims
• Clarify benefits
• Answer questions about tests, treatments and medications
• Coordinate care among multiple providers
• Assist with eldercare and related healthcare issues
• Arrange second opinions
• Transfer medical records
• Negotiate payment arrangements with providers and find options for non-covered services
• Provide information about generic drug options
MEDICAL BILL SAVER: Individuals are responsible for more out-of-pocket medical and dental costs than ever
before. Medical Bill Saver™ provides skilled negotiators who will attempt to negotiate discounts for your members,
no matter their benefit status. Negotiations can lead to a reduction in their out-of pocket costs. Once an agreement
is made, the provider signs off on payment terms and conditions. Your members will receive an easy-to-read
personal Savings Results Statement, summarizing the outcome and payment terms.
NURSELINE: Your members have a place to turn to for trusted advice and information when they need it most. Rest
assured—highly trained registered nurses are on-call 24/7 to answer questions for non-urgent concerns. Nurses
can offer self-care tips, direct members to the appropriate care for immediate attention or offer advice on how to
ease common problems such as a sore shoulder. Nurseline can help with everything from fevers or flu symptoms
to at-home remedies or side effects of medications.
Our hotline nurses are an immediate, reliable and caring source of health information, education and support. Our
nurses provide information based on physician-approved guidelines, including:
• General information on all types of health concerns
• Answers about medication usage and interaction
• Translation services for non-English speaking callers
• TTY/TTD access for the hearing impaired
• Computerized record keeping system
• Medical Director on staff
Visit www.FlexCare.com for more information.
FlexCare • 3340 Peachtree Road, NE, Suite 1690, Atlanta, GA 30326
(P) 404.846.4100 • (F) 404.846.4999 • FlexCare.com • MyFlexCare.com
Health Advocate, Medical Bill Saver, Nurseline