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How does this benefit work?

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Can a member nominate a chiropractor to become a participating provider for this program?

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Is there a consultation fee?

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Can this discount be combined with insurance?

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What is the hearing care benefit?

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Can family members utilize this benefit?

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Is the discount the same at all Beltone locations?

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Is there a selection of hearing aids to choose from?

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What states do not allow hearing aids to be bought through the mail?

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How does this benefit work?

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Are members charged every time they utilize the benefit?

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What issues would prompt a call to Nurse Hotline?

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Can members receive general health information through the Nurse Hotline benefit?

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What is the VIP Health & Wellness benefit?

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Can members use this benefit in any retail location?

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What are the advantages of using this program as opposed to shopping for vitamins at a local retailer?

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Do members need to call each month to request a catalog?

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Aside from vitamins, what other products are discounted?

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What are Family Consultation Services?

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How does the benefit work?

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What types of problems do the Family Consultation Services deal with?

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How can someone be assured of the security of his or her information?

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What "rate" will members receive with this benefit?

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Can members use this benefit in conjunction with their existing membership?

Do I get a discount on every single drug at the neighborhood pharmacy when I use my Membership card?

Not necessarily. Drug stores, like hardware and grocery stores determine their own pricing structures. Due to large discounts from manufacturers, some drugs may already be priced at or below the PBM's discount price. However, as a general rule, you can expect that 80% to 90% of your required, acute care prescription needs will be discounted below the stores usual retail price. The PBM network pharmacies have agreed to sell prescription drugs at the contract price, or their "usual retail price" whichever is lowest.

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Why didn't I save any money at the participating local drugstore?

More than likely, you ordered a long-term maintenance medication versus a short-term acute care medication such as an antibiotic or pain-killer. Most pharmacies use long-term, maintenance medications as "loss leaders" and price these drugs at or below cost. They do this so that their customers will assume that all their prices are low, which is a marketing strategy. The pharmacy realizes that for long-term medications, you'll shop around in order to get the best price for a medication that you may be taking for the rest of your life. As the consumer, you are led to believe that this pharmacy has low prices on all their prescription drugs and other items. Our prescription plan has contracted with independent and chain pharmacies nationwide to offer you a discounted price that will normally save you 10% to 60% on short term medications. However, in order to draw customers, many pharmacies opt to price their prescriptions lower than the contracted price. In this case the member gets the lower of the two. Normally, they use high profile maintenance drugs for these "loss leader" price reductions such as Prozac, Zantac, and Premarin. In order to guarantee members a savings with their prescription drug cards, we established a mail order pharmacy program through our prescription drug cards which absolutely, positively guarantees to beat any price quoted elsewhere by a minimum of $5.00 with no dispensing or postage fees added provided the brand or generic price exceeds $10.00.

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What if the Pharmacist doesn't recognize the card's name?

Always make inquiries in person and be sure to bring your prescription drug card with you. When the pharmacist sees the Pharmacy Benefit Manager information on the card, the pharmacist then understands which prescription plan you are on.

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Is this a co-pay insurance card?
No. A co-pay card is an insured product where the customer pays a preset amount and the insurance company pays the remainder. This membership is a discount card offering reduced prices. You are responsible for paying the pharmacy 100% of the discounted price.

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I'm a member and called the Mail Order Pharmacy to get a price quote on my maintenance drugs. The price quote was higher than my old pharmacy. What should I do?

When you call the Mail Order Pharmacy to get a price quote, be sure to tell the representative where you found it for less. If the quotation you are given does not beat the price you are currently paying by at least $5.00, the operator will verify the price being charged at your local pharmacy and beat it by $5.00. This outstanding price guarantee is effective for all brand name or generic drugs priced over $10.00.

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How do I get my Low Price Guarantee?

When you contact the Mail Order via our toll free number, simply ask for the Low Price Guarantee and the representative will see to it that you receive the lowest possible pricing for your medications.

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Benefits will be activated within 3-4 business days.

When do I get my cards?

Your prescription drug cards will be shipped priority mail and should arrive within 7-10 business days.  If there is any trouble receiving your membership kit you can contact our Member Services department and a friendly representative will assist in locating your delivery.

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How does the dental plan work?

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. Central time, and Saturday between 8 a.m. and 5 p.m. Central time. When calling to schedule an appointment the member should identify his/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.

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Is there a limit to the number of times the card can be used?

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.

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Can this discount be combined with dental insurance?
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 reimburse the member their plan allotted percentage of the reduced bill.

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Is there someone that can answer questions about the card and services offered?
Yes. Simply call the toll-free number located on the back of the membership card Monday through Friday, between 7 a.m. and 7 p.m. Central time and Saturday between 8 a.m. and 5 p.m. Central time. A member services representative is standing by to answer any questions.

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What if a member's dentist is not a participating provider?

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.

Benefits will be activated within 3-4 business days.

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When do I get my cards?

Cards will be shipped priority mail and should arrive within 7-10 business days.  If there is any trouble receiving your membership kit you can contact our Member Services department and a friendly representative will assist in locating your delivery.

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What is Phone-A-Doc?
Phone-A-Doc is a network of primary care physicians, available 24 hours a day, 7 days a week, 365 days a year to handle routine health issues. Physicians diagnose medical problems via telephone or video conference, recommend therapy and when appropriate, prescribe medication.  Members can access a doctor from home, office, hotel room, or vacation campsite.  Receiving medical treatment is as easy as picking up your phone.

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How can Phone-A-Doc save time?
Two ways. First, Phone-A-Doc will always connect to a physician within 3 hours - often sooner. This helps resolve medical problems more quickly. Second, with Phone-A-Doc, there is no need to drive to the doctor, waste time in the waiting room, or spend more time in the car returning to work or home.  Consultations can take place virtually anywhere.

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How can Phone-A-Doc save money?
With Phone-A-Doc there is no need to see a primary care physician for routine issues, nor will members have to go to the emergency room when they can't access their primary care physician. Phone-A-Doc is another layer of medical benefits - quality care anytime it is available at a flat fee of $35.

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Some members have pre-existing conditions that make it difficult to get insurance. Can Phone-A-Doc help?
Yes. Phone-A-Doc will take patients with pre-existing conditions and these members pay the same registration fee and doctor consult fees as everyone else.  There is NO extra charge for patients with pre-existing conditions.

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Can members get prescriptions filled when out of town?
YES. This is one of the great benefits of the Phone-A-Doc service. Prescriptions can be phoned in to any pharmacy anywhere!

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Can Phone-A-Doc refill current prescriptions?
YES, Phone-A-Doc can refill most prescriptions but will not write prescriptions for controlled substances.

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Can members use their normal Pharmacy?
YES. The Phone-A-Doc physician will have member’s normal pharmacy telephone information and can phone in prescriptions immediately.

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Will Phone-A-Doc replace primary care physicians?
No. Phone-A-Doc intends to be another source of medical care in addition to primary care physicians. Phone-A-Doc will coordinate with the member and his or her primary care physicians as appropriate. If the member has no primary care physician Phone-A-Doc can be the first line of medical care.

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Do members have to leave work to see the doctor?
No. The doctor comes to the member via telephone anytime - 24/7.

Can the doctor actually diagnose problems on the phone?
In most cases, yes. Phone-A-Doc physicians have treated patients from all around the world. Each doctor typically consults with 30 tele-patients per day. Diagnosing a patient’s medical condition is usually a collaborative process between the patient and the doctor. When a patient calls, the symptoms are evaluated against the patient's medical history and usual state of health. Once a patient articulates their current condition and answers specific follow up questions, in most cases a diagnosis can be made and treatment plan developed. Phone-A-Doc physicians know when they can treat patients directly and when to refer them to a specialist (cardiologist, OBGYN, etc. If appropriate, the doctor will phone in a prescription to the pharmacy of choice. A medical consult has been delivered without the patient visiting their primary care physician or an emergency room.

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Can Phone-A-Doc handle emergency situations?
Some, but not many. Phone-A-Doc is designed to handle day-to-day general practitioner problems; however Phone-A-Doc can be a life saver. In some cases, Phone-A-Doc has been able to diagnose a problem that was life threatening and urged the patient to proceed immediately to emergency facilities, thus saving a patient's life or reducing long term consequences of the illness.

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How quickly can members talk to a doctor?
In all cases a physician will call back within 3 hours. When calling the Phone-A-Doc 760 number, our call center representative will prioritize the call and arrange for the Phone-A-Doc physician to return the call at the first opportunity. ALL CALLS WILL BE ANSWERED WITHIN 3 HOURS.

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How often can members call the Doc?
As often as they like. Each membership allows members to call any time they have a medical issue.  There will always be a $35 consultation fee.

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How do members schedule an appointment to talk to the physician?
After registration, members will be given access to a secure area of the Phone-A-Doc website. They can log on and schedule a call or simply dial a toll-free number.

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How much savings will I really receive?

Every patient, doctor and savings will be different depending on the specific procedure.  Normally, all of our savings reports indicate 10% to 30% savings.

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Will every doctor accept the Medical Savings Card? 

No, but we will work to ensure that all network physicians accept the card or we will remove them from the listing of physicians on our website that advertises the Medical Savings Card network of physicians.  We will also notify other clients that provide customer service support for the Medical Savings Card.  We have physicians joining the network daily because of the Medical Savings Card and the benefit that it provides to their patients.

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What happens if a member’s current physician is not a network provider? 

If a member’s physician is not part of the Physician Visit network, there are two options:  they may either select a new doctor that is in the network or discuss with their doctor the possibility of becoming a member of the Physician Visit network.  If the doctor does choose to participate, the member should simply call Member Services with the provider’s name, phone number, and address and network information will be mailed to their doctor.

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Can I use this card with my regular insurance?

The medical savings card will provide savings on a variety of different medical products it is difficult to say if the Medical Savings Card will work with every insurance plan.  The key is that it could help to save money as you meet your specific deductible.  The Medical Savings Card will cover procedures that your insurance plan might limit or not cover at all for example, pre-existing conditions, cosmetic surgery procedures, alternative medicine, and many, many other specialties. 

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Is this card good for just me or can my entire family use the card?

The products affiliated with the Physician Visit benefit allows the entire immediate family to use 1 card at 1 low monthly fee of $29.95.

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How can a member find out if their doctor is in the Physician Visit network?

Members may refer to their membership kit for a listing of the five closest providers for their ZIP code. In addition, a toll-free call to Member Services can also verify the status of a member’s particular doctor in the network.  Member Service representatives are available Monday through Friday between 7:00 am and 7:00 pm CST and from 8:00 am to 5:00 pm on Saturdays. 

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Are there Health Restrictions? 

NO.  Since Outlook discount Plans are NOT insurance, there are never any restrictions on health.  Everyone qualifies for each plan!

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Benefits will be activated within 3-4 business days.

When do I get my cards?

Cards will be shipped priority mail and should arrive within 7-10 business days.  If there is any trouble receiving your membership kit you can contact our Member Services department and a friendly representative will assist in locating delivery.

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What is the vision benefit? Does it include eye examinations? Does it include contact lenses?
The vision benefit offers 20% 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, J.C. Penney, and Sears as well as regional chains and thousands of independent practitioners.  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.

Members may elect to use the mail order service to purchase replacement contact lenses (including disposables) at a 10% to 40% discount.

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Is the Coast To Coast (CTC) discount plan insurance?
No. While an insured plan is available, CTC is a discount eyewear and eye care program. There are no claim forms or reimbursement procedures. The participating retail optical locations will give the di