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PERFORMANCE OF THE FIRM
1. Financial Performance
2. Market Performance
3. Organizational Health
Page 1
Quarter 4, 2013
Health Care
Dental
Vision
Chiropractic
Laboratory
Nurse line
Financial Services
Financial advice
ID Theft protection
Legal services
Tax
Travel & Leisure
Car rental
Concierge service
Dining
Hotel
Shopping
Lifestyle
Counseling service
Pet care
Telemedicine
Child & elder care
Wellness
Alternative health & medicine
Diet & weight loss
Counseling
Vitamins
Page 2
Established in 1979, Careington provides affordable solutions to more than eight million members.
Dedicated to improving the health and well-being of individuals, Careington’s solutions are designed
to complement traditional health insurance and provide significant savings for under-insured or
uninsured individuals.
With our all inclusive discount solutions, we can easily assist consumers, employers, associations,
affinity groups, financial institutions, TPAs and health plans. Careington discount ranges vary,
depending on the service and region.
Careington products and services provide an entirely new and creative way for assisting your clients as
they continue to face the ever increasing cost of healthcare. By offering discount programs that include
pre-negotiated discounts on dental and vision care, doctor and hospital visits, and prescriptions and
many other health and lifestyle services, that can bring significant value and savings to your clients.
In addition to our products and services, we provide all of the necessary support to operate the
discount program. Careington provides complete “plug & play” administration, so there is no need to
hire and train employees to run your program. We work with our clients to install a program that fits
their unique needs and provides the most value.
Our market is expanding as the cost of providing
employee benefits becomes more cost prohibitive.
Unlike most insurance programs today with higher
deductibles, our products can be used immediately.
Traditional Markets we serve
Health Plans
Insurers
Associations & Affinity Groups
Financial Institutions—Banks & Credit Unions
Employer Groups
Special Markets we serve
Small to medium sized businesses who do not offer group benefits
Self employed & business owners
Part-time workers
Middle income families
Single parent families
Senior citizens & retirees
Consumer directed health plans/HSAs/FSAs
Labor Unions
ABOUT CAREINGTON
Page 3
ACCIDENTAL DEATH AND DISMEMBERMENT ………………………………………………………………………………. 12
NATION SAFE DRIVERS — TRAVEL CLUB ………………………………………………………………………………………….. 12
AUTO AND HOME ………………………………………………………………………………………………………………… 13
LIBERTY MUTUAL …………………………………………………………………………………………………………………….. 13
CHILD AND ELDER CARE ASSISTANCE ……………………………………………………………………………………….. 14
AGING WITH GRACE, LLC ………………………………………………………………………………………………………….. 14
RESOURCES FOR LIVING ………………………………………………………………………………………………………………………………………………………… 15
CHIROPRACTIC & ALTERNATIVE MEDICINE ………………………………………………………………………………… 17
CHOOSEHEALTHY ……………………………………………………………………………………………………………………. 17
CHIROPRACTIC LIFECARE OF AMERICA ……………………………………………………………………………………………………………………………………. 19
HEALTHWAYS WHOLE HEALTH NETWORK …………………………………………………………………………………………………………………………….. 20
CONCIERGE …………………………………………………………………………………………………………………………. 21
LESCONCIERGES ……………………………………………………………………………………………………………………… 21
TRAVEL GUARD — CONCEIRGE ……………………………………………………………………………………………………………………………………………… 22
COUNSELING ………………………………………………………………………………………………………………………. 23
AMERICAN BEHAVIORAL …………………………………………………………………………………………………………….. 23
DENTAL …………………………………………………………………………………………………………………………….. 25
AETNA DENTAL ACCESS
®
NETWORK ………………………………………………………………………………………………. 25
CAREINGTON SERIES 500 DENTAL NETWORK ……………………………………………………………………………………………………………………….. 26
CAREINGTON POS DENTAL NETWORK …………………………………………………………………………………………………………………………………. 27
CAREINGTON PLATINUM POS DENTAL NETWORK…………………………………………………………………………………………………………………. 28
CAREINGTON PDNP DENTAL NETWORK (POS & CPPS) ……………………………………………………………………….. 29
CAREINGTON MAXIMUM ACCESS DENTAL NETWORK (C500, POS & CPPS) …………………………………………………. 30
CAREINGTON MAXIMUM CARE DISCOUNT NETWORK (POS & DENTEMAX) ………………………………………………….. 31
CAREINGTON PPO DENTAL NETWORK …………………………………………………………………………………………………………………………………. 32
CAREINGTON PLATINUM PPO DENTAL NETWORK ………………………………………………………………………………………………………………… 33
MAXIMUM CARE DENTAL NETWORK (PPO, CPPO, & DENTEMAX ………………………………………………………………………………………. 34
CAREINGTON (POS) AND DENTAL NETWORK OF AMERICA (SELECT) ……………………………………………………………………………………. 35
DENTEMAX ……………………………………………………………………………………………………………………………………………………………………………. 36
SIGNATURE DENTAL NETWORK ……………………………………………………………………………………………………………………………………………… 37
DIABETES MANAGEMENT & LIFESTYLE ENHANCEMENT ………………………………………………………………… 38
BETTER LIVING NOW ………………………………………………………………………………………………………………… 38
GLOBAL TOTAL HEALTH …………………………………………………………………………………………………………………………………………………………. 39
EMERGENCY MEDICAL INFORMATION ……………………………………………………………………………………….. 40
LIFECARD PLANS …………………………………………………………………………………………………………………….. 40
FINANCIAL …………………………………………………………………………………………………………………………. 41
ASKAFS ………………………………………………………………………………………………………………………………. 41
EFINANCIAL LIFE INSURANCE ……………………………………………………………………………………………………….. 42
LEGAL CLUB OF AMERICA …………………………………………………………………………………………………………… 43
MEDICALFINANCING.COM …………………………………………………………………………………………………………… 44
FUNERAL PLANNING …………………………………………………………………………………………………………….. 45
DIGNITY MEMORIAL …………………………………………………………………………………………………………………. 45
HEALTH CARE ASSISTANCE …………………………………………………………………………………………………….. 46
ADVANCE MEDICAL …………………………………………………………………………………………………………………. 46
TABLE OF CONTENTS
Page 4
TABLE OF CONTENTS
CARE ADVOCACY …………………………………………………………………………………………………………………….. 47
HEALTH ADVOCATE ………………………………………………………………………………………………………………………………….. 48
OPTUM CARE 24……………………………………………………………………………………………………………………………………… 49
HEALTH CLUB NETWORK ……………………………………………………………………………………………………….. 50
CHOOSEHEALTHY — FITNESS ONLY ……………………………………………………………………………………………….. 50
HEALTHWAYS WHOLEHEALTH NETWORK …………………………………………………………………………………………. 51
HEARING ……………………………………………………………………………………………………………………………. 52
HEARPO ……………………………………………………………………………………………………………………………… 52
MIRACLE EAR ………………………………………………………………………………………………………………………………………………………………………… 53
NEWPORT AUDIOLOGY ………………………………………………………………………………………………………………………………………………………….. 54
HOTAL & CAR RENTAL …………………………………………………………………………………………………………. 55
UNITED MARKETING GROUP ………………………………………………………………………………………………………… 55
IDENTITY THEFT …………………………………………………………………………………………………………………… 56
ID EXPERTS …………………………………………………………………………………………………………………………… 56
ID RESOLUTION …………………………………………………………………………………………………………………………………………………………………….. 57
INFOARMOR — MONTIROING AND RESTORATION ……………………………………………………………………………….. 58
TRAVEL GUARD — ASSISTANCE …………………………………………………………………………………………………………………………………………….. 59
IMAGING ……………………………………………………………………………………………………………………………. 60
GALAXY HEALTH NETWORK …………………………………………………………………………………………………………. 60
DIAGNOSTIC BENEFIT MANAGEMENT ………………………………………………………………………………………………. 61
US IMAGING ………………………………………………………………………………………………………………………………………………………………………….. 62
LABS …………………………………………………………………………………………………………………………………. 63
DIRECT LABS …………………………………………………………………………………………………………………………. 63
DIRECT LABS — CARDIO PLUS PROFILE ………………………………………………………………………………………………………………………………… 64
DIRECT LABS — COMPREHENSIVE WELLNESS PROFILE ………………………………………………………………………………………………………….. 65
GALAXY HEALTH NETWORK …………………………………………………………………………………………………………………………………………………… 66
LIFE LINE SCREENING ………………………………………………………………………………………………………………… 67
LEGAL ………………………………………………………………………………………………………………………………… 69
LEGAL ACCESS PLANS — FAMILY LEGAL PROTECTION PLAN ……………………………………………………………………… 69
LEGAL CLUB OF AMERICA — LEGAL REFERRAL PROGRAM …………………………………………………………………………………………………….. 70
ROCKET LAWYER — EASY WILL …………………………………………………………………………………………………………………………………………….. 71
ROCKET LAWYER — FAMILY LEGAL PLAN ……………………………………………………………………………………………………………………………… 72
LONG TERM CARE ………………………………………………………………………………………………………………… 73
HEALTHCARE SYNERGIES…………………………………………………………………………………………………………….. 73
NURSE LINE — 24 HOUR ………………………………………………………………………………………………………. 74
CARENET ……………………………………………………………………………………………………………………………… 74
OPTUM NURSE LINE …………………………………………………………………………………………………………………. 75
PET DISCOUNTS …………………………………………………………………………………………………………………… 76
PET ASSURE ………………………………………………………………………………………………………………………….. 76
HEALTH MATTERS INTERNATIONAL — PETMEDS ………………………………………………………………………………….. 77
PODIATRY …………………………………………………………………………………………………………………………… 78
HEALTHCARE NETWORKS OF AMERICA (HNA) ……………………………………………………………………………………. 78
PRESCRIPTION DRUGS …………………………………………………………………………………………………………… 79
AGELITY ………………………………………………………………………………………………………………………………. 79
CVS CAREMARK ……………………………………………………………………………………………………………………………………………………………………. 80
ENVISION ………………………………………………………………………………………………………………………………………………………………………………. 81
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MEDIMPACT ………………………………………………………………………………………………………………………………………………………………………….. 82
SUPERIORRX ………………………………………………………………………………………………………………………………………………………………………….. 83
ROADSIDE ASSISTANCE ………………………………………………………………………………………………………….. 84
NATION SAFE DRIVERS ………………………………………………………………………………………………………………. 84
NATION SAFE DRIVERS — PAY PER USE …………………………………………………………………………………………… 85
ROADSIDE PROTECT — 4 CLAIMS PER YEAR WITH $100 MAXIMUM BENEFIT/CLAIM ………………………………………………………….. 86
ROADSIDE PROTECT — 3 CLAIMS PER YEAR WITH $100 MAXIMUM BENEFIT/CLAIM ………………………………………………………….. 87
ROADSIDE PROTECT — 4 CLAIMS PER YEAR WITH $50 MAXIMUM BENEFIT/CLAIM ……………………………………………………………. 88
ROADSIDE PROTECT — 3 CLAIMS PER YEAR WITH $50 MAXIMUM BENEFIT/CLAIM ……………………………………………………………. 89
SLEEP APNEA ………………………………………………………………………………………………………………………. 90
AEROFLOW ……………………………………………………………………………………………………………………………. 90
SHOPPING DISCOUNTS ………………………………………………………………………………………………………….. 91
ACCESS DEVELOPMENT ………………………………………………………………………………………………………………. 91
CAREINGTON MALL ………………………………………………………………………………………………………………….. 92
DISCOUNT DEVELOPMENT SERVICES (DDS) ………………………………………………………………………………………………………………………….. 93
RETAIL BENEFITS ……………………………………………………………………………………………………………………………………………………………………. 94
TAX ADVICE ………………………………………………………………………………………………………………………… 95
TAX RITE — HOTLINE ……………………………………………………………………………………………………………….. 95
LEGAL CLUB OF AMERICA — TAX …………………………………………………………………………………………………………………………………………. 96
TELEMEDICINE ……………………………………………………………………………………………………………………… 97
CALLMD ……………………………………………………………………………………………………………………………… 97
EDOCAMERICA ……………………………………………………………………………………………………………………….. 98
EDOCAMERICA (DENTAL ONLY) …………………………………………………………………………………………………….. 99
EDOCAMERICA PLUS NURSE LINE ………………………………………………………………………………………………… 100
TELADOC …………………………………………………………………………………………………………………………… 101
TRAVEL ASSISTANCE …………………………………………………………………………………………………………… 103
LIFEGUARD SERVICES EMERGENCY TRAVEL ASSIST ……………………………………………………………………………… 103
SEVEN CORNERS — INTERNATIONAL TRAVEL AND MEDICAL INSURANCE …………………………………………………………………………….104
TRAVEL GUARD — TRAVEL AND MEDICAL ASSISTANCE ……………………………………………………………………………………………………….105
VISION ……………………………………………………………………………………………………………………………. 106
EYEMED PLAN D ………………………………………………………………………………………………………………….. 106
NATIONAL LASIK NETWORK (LCA-VISION) ……………………………………………………………………………………… 107
NATIONAL VISION ASMINISTRATORS …………………………………………………………………………………………….. 108
QUALSIGHT ………………………………………………………………………………………………………………………… 109
VSP ………………………………………………………………………………………………………………………………… 110
VSP CHOICE ACCESS PLAN ………………………………………………………………………………………………………. 111
VITAMINS & NUTRITIONAL SUPPLEMENTS ……………………………………………………………………………… 112
SWANSON ………………………………………………………………………………………………………………………….. 112
WEIGHT LOSS …………………………………………………………………………………………………………………… 113
GASTRIC BANDING PANEL GROUP — ADVANCED HEALTHCARE PRODUCTS …………………………………………………. 113
WEIGHT WATCHERS ……………………………………………………………………………………………………………….. 114
WELLNESS & LIFESTYLE ………………………………………………………………………………………………………. 115
MEALEASY …………………………………………………………………………………………………………………………. 116
MYEWELLNESS …………………………………………………………………………………………………………………….. 117
TROTTER WELLNESS ……………………………………………………………………………………………………………….. 118
TABLE OF CONTENTS
Page 6
PRODUCT SUMMARIES
Accidental Death and Dismemberment
Nation Safe Drivers –Travel Club offers accidental death and dismemberment, hospital indemnity and excess acci-
dent medical coverage for any injury incurred while driving or riding in a private passenger automobile.
Auto and Home
Liberty Mutual is the number one sponsored auto and home voluntary benefits program in the industry, offering
insurance in all 50 states. Members can receive up to 10% off insurance with guaranteed rates for 12 months.
Child & Elder Care Assistance
Aging with Grace, LLC is a national eldercare assistance program that provides THE solution to eldercare stress by
educating, coordinating and facilitating senior care options one member at a time.
Resources for Living is a comprehensive, confidential program that supports you in balancing your work-life re-
sponsibilities. This service includes dependent care consultation, referrals, educational resources, online services and
more.
Chiropractic and Alternative Medicine
ChooseHealthy provides access to a wide variety of specialty health care services including chiropractors, massage
therapists, acupuncturists and dietitians.
ChooseHealthy plus Fitness provides access to a wide variety of specialty health care services including chiroprac-
tors, massage therapists, acupuncturists and dietitians, as well as a minimum 10% discount off participating fitness
facilities.
Chiropractic Lifecare of America offers high quality chiropractic care with access to one of the largest networks
across America with savings of 30% to 60%.
HealthWays Whole Health Network offers cost-effective access to one of the largest networks of chiropractors
and other top qualified alternative health care practitioners, as well as discounts on nutritional supplements.
Concierge
LesConcierges provides members with an array of services including shopping services, information, entertainment
arrangements, travel coordination, event planning and much more.
Travel Guard – Concierge provides 24/7 personal assistance coordinators to respond to virtually any request no
matter how large or small including event ticketing, floral service, travel arrangements, restaurant referrals and reser-
vations, weather reports and much more.
Counseling
American Behavioral provides members with access to My Personal Counselor, a confidential, telephonic counsel-
ing and referral service with options of 3 or 6 one-half hour session per household per year.
Dental
Aetna Dental Access® Network provides one of the largest, most recognized discount dental networks with sav-
ings of 15% to 50%. Over 122,000 available dental access points na
tionwide.
Careington 500 Series Dental Network provides one of the most recognized professional dental network with sav-
ings of 20% to 60%. Over 154,000 dental access points nationwide.
Careington POS Dental Network provides one of the most recognized professional dental networks with savings of
20% to 50%. Over 169,000 dental access points nationwide.
Careington Platinum POS Dental Network provides one of the most recognized professional dental networks with
savings of 5% to 40%. Over 191,000 dental access points nationwide.
Page 7
PRODUCT SUMMARIES
Careington PDNP Dental Network (POS & CPPS) provides one of the most recognized professional dental net-
works with savings of 5% to 20%. Over 200,000 dental access points nationwide.
Careington Maximum Access Dental Network (C500, POS, CPPS) provides one of the most recognized profes-
sional dental networks with savings of 5% to 60%. Over 200,000 dental access points nationwide.
Careington Maximum Care Discount Network (POS & DenteMax) provides one of the most recognized profes-
sional dental networks with savings of 20% to 50%. Over 200,000 dental access points nationwide.
Careington PPO Dental Network provides one of the most recognized professional dental networks with savings
of 20% to 50%. Over 169,000 dental access points nationwide.
Careington Platinum PPO Dental Network provides one of the most recognized professional dental networks
with savings of 5% to 40%. Over 176,000 dental access points nationwide.
Maximum Care Dental Network (PPO,CPPO & DenteMax) provides one of the most recognized professional
dental networks with savings of 5% to 50%. Over 200,000 dental access points nationwide.
Careington (POS – California Only) and Dental Network of America (Select) provides one of the most recog-
nized professional dental networks with savings of 10% to 50%. Over 31,000 dental access points.
DenteMax provides savings on a wide range of services for members and their families at over 156,000 providers
nationwide with savings of 20% to 50%.
Signature Dental Network provides significant discounts on a wide range of services for members and their fami-
lies at over 47,000 providers nationwide with savings of 14% to 35%.
Diabetes Management & Lifestyle Enhancement
Better Living Now includes a free glucose monitor upgrade and discounts on durable medical equipment, dispos-
able medical supplies, nutritional supplements and daily living aids.
Global Total Health, LLC provides the highest quality diabetic supplies at vastly reduced prices disbursed through
a highly sophisticated distribution channel and offers savings of 52% to 72%.
Emergency Medical Information
LifeCard Plans provides member’s entire family with emergency access to medical and legal documents from any-
where in the world. Members will be able to store key information and documents through an online portal.
Financial
askAFS provides members with a personal, objective, private and actionable solution to their financial concerns.
Solutions include credit issues, debt, cash flow, eldercare, education funding, budgeting, taxes, savings, retirement
and homeownership.
Efinancial works closely to assist members who are searching for affordable life insurance coverage. Members can
now shop and compare life insurance quotes from the nation’s top-rate carriers.
Legal Club of America provides access to counseling and financial education through a variety of delivery meth-
ods including telephone, online tools and live chat sessions.
MedicalFinancing.com assists members in obtaining secure financing for hospital charges, cosmetic surgery, gas-
tric bypass, vision correction and other healthcare needs.
Funeral Planning
Dignity Memorial provides members with a program to create, store, update and communicate their final ar-
rangements from the comfort of their own home. Members also receive a 5% discount on all funeral or cremation
products and services at over 1,800 funeral homes and cemeteries.
Page 8
Health Care Assistance
Advance Medical will collect all available medical information and find experts whose independent assessment can
help members and their treating physicians develop a plan that will lead to the best outcome for any medical condi-
tion.
Carenet Care Advocacy provides one-on-one support for the member and their family as they navigate the
healthcare system.
Health Advocate, the nation’s leading health advocacy company, helps members and their families navigate
through the often confusing world of health care and health insurance systems.
Optum Care 24 includes a 24-hour nurse access line, 24-hour wellness and counseling line, professional legal ser-
vices, certified financial planning and management counseling.
Health Club Network
ChooseHealthy – Fitness Only provides members with either a 10% discount off initiation and/or monthly dues or
the best available public rate based on the type of membership selected at over 12,000 fitness clubs and exercise
centers nationwide.
HealthWays Whole Health Network provides members with savings of 10% to 50% on fitness memberships at
nearly 5,000 locations nationwide.
Hearing
HearPO is the largest provider of audiology and hearing aid services in the United States. They offer over 280 mod-
els of hearing aids, including the newest programmable and digital technology.
Miracle Ear offers a 20% discount off the retail price of hearing aids, with over 1,000 locations to choose from na-
tionwide.
Newport Audiology Hearing Solutions provides access to hearing aid discounts of 15% to 35% through 2,000 par-
ticipating providers nationwide. This program includes a complete hearing evaluation FREE.
Hotel & Car Rental
United Marketing Group offers discounts of 10% to 20% at over 7,400 hotels, motels and resorts worldwide as well
as discounts of 5% to 20% on rental cars.
Identity Theft
ID Experts is a fully managed identity theft restoration service that provides the complete coverage identity theft
victims expect and need.
ID Resolution, LLC helps victims overcome problems of identity fraud and assists members in effectively managing
their identities.
InfoArmor is the leader in the identity monitoring industry and will proactively defend members and their family if
suspicious activity is detected.
Travel Guard provides assistance to help guide you through the process of restoring your identity profiles and credit
records when your personal identity has been compromised.
Imaging
Galaxy provides a discount of 40% to 75% less than the usual costs for MRI, CT and PET scans.
Diagnostic Benefit Management provides savings of 35% to 60% on blood tests at over 3,900 outpatient radiology
facilities nationwide.
US Imaging is a premier diagnostic scheduling service that provides Careington members with savings from 10% to
60% on advanced imaging procedures at over 2,400 radiology facilities nationwide. This program was specially de-
signed to reduce out-of-pocket costs on MRI, CT and PET scans.
PRODUCT SUMMARIES
Page 9
PRODUCT SUMMARIES
Labs
DirectLabs provides savings of 10% to 80% off regular retail pricing on blood tests available at over 3,000 certified
labs nationwide.
DirectLabs – Cardio Plus Profile provides savings of 10% to 80% off regular retail pricing on blood tests available at
over 5,000 certified labs nationwide. Members receive one free cardio plus profile.
DirectLabs – Comprehensive Wellness Profile provides savings of 10% to 80% off regular retail pricing on blood
tests available at over 5,000 certified labs nationwide. Members receive one free comprehensive wellness profile.
Galaxy provides savings from 10% to 80% off regular retail pricing on blood tests available at over 3,000 Clinical La-
boratory Certified Labs nationwide.
Life Line Screening is the leading international provider of community-based preventive health screenings. LLS pro-
vides affordable, convenient, high-quality screenings that are essential to the early detection of risk for stroke, heart
disease, diabetes, osteoporosis and other conditions.
Legal
Legal Access Plans provides free and discounted legal services through face-to-face or phone consultations and
gives members access to a nationwide network of over 17,000 attorneys.
Legal Club of America provides members access to a nationwide network of over 20,000 plan attorneys that have
contracted to provide free and discounted legal services through face-to-face or phone consultations.
Rocket Lawyer provides access to an online legal document creator. Members also have access to a net work of at-
torneys that can answer questions over the phone and provide additional help at a 40% discount off their normal
hourly rates.
Long Term Care
HealthCare Synergies has a network of over 5,000 providers with savings of 5% to 30% on skilled nursing, assisted
living, home health care and much more.
Nurse Line – 24 Hour
Carenet provides nurse triage service via a toll-free number 24 hours a day, 7 days a week for medical consultations.
Carenet provides deaf and foreign language assistance for this service.
Optum Nurse Line provides access to registered nurses available 24 hours a day, 7 days a week. These nurses pro-
vide unlimited home care advice and recommendations based on more than 600 physician-approved guidelines.
Pet Discounts
Pet Assure provides a pet care savings program designed to save members money on everything needed for that
other very special member of the family.
HMI Pet Meds gives direct access to substantial savings from 20% to 70% off the retail price of pet medications and
supplies.
Podiatry
HealthCare Networks of America provides members with a 50% discount on the provider’s normal exam fee plus a
20% discount on all other services and products.
Prescription Drugs
Agelity provides access to discounts on most FDA-approved prescription drugs. On average, members will save
20% off brand name drugs and 50% off generic drugs.
CVS Caremark provides access to over 57,000 participating pharmacies nationwide. Members have immediate ac-
cess to average savings of 31% on generic drugs and average savings of 13% on brand name prescriptions.
Page 10
PRODUCT SUMMARIES
Envision provides members access to over drug savings between 15% to 60% on generic drugs and 15% to
25% on brand name drugs at over 60,000 participating pharmacies nationwide.
MedImpact provides access to prescription savings at over 60,000 participating
pharmacies nationwide.
Members can save an average of 15% to 60% off generic drugs and 15% to 25% off brand name prescriptions.
SuperiorRxCard provides access to discounts on most FDA-approved prescription drugs. On average, mem-
bers will save 15% off brand name drugs and 40% off generic drugs at participating Wal-Mart and Sam’s Club
pharmacies nationwide.
Roadside Assistance
Nation Safe Drivers provides assistance 24 hours a day, 7 days a week including assistance with towing,
emergency fluid delivery, lockout services, flat tire changes, battery assistance and more. Options of pay-per-
use and all-inclusive are available.
Roadside Protect automobile assistance plan has been designed to reduce the impact of many of the incon-
veniences and burdens that accompany automobile ownership such as battery issues and car accidents.
Sleep Apnea
AeroFlow provides significant discounts on at sleep apnea home testing and CPAP machines.
Shopping Discounts
Access Development allows members to save 10% to 50% off at popular retailers nationwide. Members can
receive discounts on hotels, cruises, car rentals, movies, dining and groceries, online shopping, home and gar-
den products, automotive services and many more.
Careington Mall provides access to discounts on clothing, computers, gifts, tickets and more from over 300
leading national merchants.
DDS provides access to discounts at many popular stores, restaurants and theme parks across the country.
Retail Benefits provides access to an online portal to leasing merchants where members can earn between 1%
to 40% cash back, incentives and instant rewards just for shopping online.
Tax Advice
Tax Rite Hotline provides expert tax advice conveniently and instantly by telephone through one-on-one con-
sultations with experienced, professional tax specialist. Members pay a $50.00 flat-rate per return.
Legal Club of America – Tax provides comprehensive personal tax benefits including free tax return prepara-
tion and unlimited toll-free tax advice.
Telemedicine
CallMD is a national network of medical doctors available for consultation who may write a prescription for a
non-narcotic or non-controlled medication at any time day or night.
eDocAmerica is an online health and wellness service that provides unlimited access to physicians for routine
medical questions and information.
eDocAmerica Plus Nurse Line is an online health and wellness service that provides unlimited access to phy-
sicians for routine medical questions and information. Members also have access to a toll-free nurse line 24
hours a day, 7 days a week.
Teladoc is a national network of board-certified physicians providing cross-coverage consultations 24 hours a
day, 365 days a year. Teladoc physicians use electronic health records and telephonic consultations to diag-
nose, recommend treatment and write short-term, non-DEA controlled prescriptions when medically appropri-
ate.
Page 11
PRODUCT SUMMARIES
Travel Assistance
LifeGuard Services has a worldwide network of medical and travel assistance personnel. Members have ac-
cess to travel assistance and emergency medical evacuation when faced with a serious injury, illness or travel-
related emergency.
Seven Corners provides up to $25,000 per person for medical care incurred while traveling. Members have
access to coverage for trip interruption, emergency evacuation and repatriation of mortal remains.
Travel Guard – Travel and Medical Assistance is available when a member is traveling over 100 miles away
from home and is faced with a serious injury, illness or travel-related emergency.
Vision
EyeMed Plan D provides savings of 20% to 40% off retail eyewear. Members are eligible for discounts on ex-
ams, eyeglasses and contact lenses at more than 65,000 providers nationwide.
National LASIK Network (LCA-Vision) offers significant savings and a free initial consultation on LASIK eye
procedures at over 600 locations nationwide.
National Vision Administration (NVA) Members can save an average of 45% to 60% with National Vision
Administrators (NVA) vision discount program. Members will have unlimited access to use the discount plan
and can use the plan whenever a new pair of glasses is needed.
QualSight provides members with savings of 40% to 50% off the overall national average cost for LASIK eye
surgery.
VSP Discount provides access to 23,000 locations and 34,000 participating providers for discounts on eye
exams, frames, lenses and contacts lenses.
VSP Choice Access ℠ provides access to 44,000 participating points of care with savings of 15% to 35% on
eye exams, frames, lenses and contact lenses.
Vitamins & Nutritional Supplements
Swanson Health Products sells vitamins and supplements, organic foods, natural skincare products, homeo-
pathic remedies and more. Swanson offers members a 10% discount on all products and will match the price
of any product if the customer finds a lower price at another merchant.
Weight Loss
Gastric Banding Panel Group – Advanced HealthCare Products provides access to a preferred pricing plan
for gastric banding weight loss surgery at over 100 locations. Members receive $1,000 discount on the sur-
gery.
Weight Watchers offers a multidimensional, comprehensive way to learn how to achieve and then maintain a
healthy body weight for the long term. Members can choose from offerings at over a 20% savings.
Wellness & Lifestyle
MealEasy has made eating healthy at home easy by providing members with more than 2,000 chef-designed
meals to choose from and a multitude of customizable features.
MyeWellness is a comprehensive web-based health and wellness resource that provides individuals with the
tools to make wellness a part of their daily living. This program promotes personal health and fitness
Trotter Wellness® provides a single-source wellness solution for members through a complete online suite
of health risk assessments, program interventions, health information and decision support tools.
Page 12
NATION SAFE DRIVERS—TRAVEL CLUB
Every year, millions of people are caught unprepared for automobile-related accidents and
hospitalizations, leaving them with medical bills that can take a lifetime to overcome. Nation Safe
Drivers Hospital Indemnity Travel Club offers protection on an individual and family level to help
ensure families will not suffer financial ruin in the event of an auto accident.
Members will receive their paid benefits directly – not through the doctor, and not through the
hospital. Members are free to spend the money any way they choose and will be accessible 24
hours a day.
Member’s insured benefits include:*
Hospital Indemnity – $125 per day (up to 365 days)
Excess Accident Medical Expense – $1,000
Accidental Death and Dismemberment -$10,000: The following shows percentages paid of
the principal sum:
Loss of life – 100%
Loss of two or more limbs – 100%
Loss of speech and hearing (both ears) – 100%
Loss of one limb or one eye – 50%
Loss of speech or hearing – 50%
Loss of thumb and index finger of the same hand – 25%
Members also will receive:
Travel discounts for hotels, airfare and car rentals – up to 5%.
Lost Luggage Protection – If a bag is lost by a transportation carrier and the member is not
satisfied with the outcome, the member can call Nation Safe Drivers to assure a fair
settlement.
Emergency Cash Loan – If a member’s credit card or cash is stolen when traveling more than
250 miles away from home, Nation Safe Drivers will loan up to $100.
*Benefit only applies if the “named member” is involved in an auto accident while driving or riding
in a private passenger automobile. The elected benefit is the most that will be paid for any one loss.
ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D)
NSDI.04.08.BL.13
Page 13
LIBERTY MUTUAL — AUTO AND HOME VOLUNTARY BENEFITS
Liberty Mutual’s Auto and Home Voluntary Benefits can help you better attract and retain members
— with minimal effort and no out-of-pocket expense. Your members can enjoy competitive rates
and hassle-free service, while your company enhances its offerings.
Liberty Mutual is the number one sponsored auto and home voluntary benefits program in the
industry, offering insurance in all 50 states. Liberty Mutual utilizes multichannel distribution,
including more than 360 local sales offices, two national call centers and a strong internet presence.
Liberty Mutual is the only carrier that allows members to enroll three distinct ways – through a local
agent and sales office, over the internet, and over the phone.
Benefits for your Company:
Custom communications, enrollment programs, and materials.
Optional value-added seminars, such as Insurance 101 and Identity Theft
A dedicated account team that handles the administration, communication, and servicing
Benefits for your Members:
Comprehensive auto and home insurance coverage at competitive rates – plus a significant
group savings*
Savings on up to 10% off insurance with an average savings of $343.90.*
Guaranteed rates for 12 months**
Distinctive coverage options and benefits including: new care replacement, accident
forgiveness, ID theft expense coverage, and the contractor referral
network.
24-hour claims, after hours policy services, and emergency home repair services
Personalized service from more than 3,000 sales and service professionals available on-site,
at local offices, or by phone
Easy payment options: payroll deduction***, checking account withdrawal or direct billing
No down payment or fees with payroll deduction
* Average savings figure based on a February 2011 national sample comparing premium of those in Liberty
Mutual’s group auto and home program with premium of prior carrier. Individual savings and premiums will
vary. Discounts and savings are available where state laws and regulations allow, and may vary by state. To the
extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Coverage
provided and underwritten by Liberty Mutual Insurance Company and its affiliates, 175 Berkeley St., Boston,
MA. © 2010 Liberty Mutual Insurance Company. All rights reserved.
** Arkansas auto rates guaranteed for six months
*** For employer groups of 100+ employees
All groups must be pre-qualified to access this benefit.
AUTO AND HOME
LBTM.10.10.BL.12
Page 14
AGING WITH GRACE, LLC
Aging with Grace, LLC (AWG) is a national eldercare assistance program that provides THE solution
to eldercare stress by educating, coordinating and facilitating senior care options one member at a
time. Members have access to a Careington dedicated area on the Aging with Grace website that
includes resource information and a Caregiver Knowledge Base, Caregiver Toolkit, Helpful Tips and
Tools for Managing Caregiver Stress, other resources and links to preferred providers and
information for those who prefer to research on their own.
For members who are or will be providing eldercare for themselves, spouse or sibling, finding and
coordinating elder-care services is no easy task. It requires an in-depth knowledge of complicated
systems such as healthcare, insurance and housing options. In addition, elder caregivers are dealing
with caregiver stress and in many cases financial hardship. With greater numbers of boomers
expected to be caring for elderly relatives in the future, it’s critical to find ways to help members
cope with those demands.
Aging with Grace also offers assistance to Veterans to help determine if they qualify for the Non-
Service Connected Disability Pension Benefit which will help defray the costs of non-reimbursable
expenses such as homecare, assisted living and nursing homes. This service will allow for veterans or
their single, surviving spouses with low income or expensive care costs to receive additional
support. To help explore this benefit, AWG offers a “VA Aid & Attendance Self-Help Guide” to walk
the member though the qualification process. Qualified veterans can receive additional income on a
monthly basis.
With this program, members are able to:
Access an eldercare advocate who assists with any immediate needs
Simplify the search for eldercare services
Save on the cost of eldercare services
Key Features of the ElderCare Assistance Program:
Locations provide broad range in the United States
Program is simple and easy to understand
Eliminate eldercare stress
Unlimited telephonic access to an ElderCare Specialist
Research and referrals for all types of senior service providers
CHILD & ELDER CARE ASSISTANCE
AWGL.01.03.JH.13
Page 15
RESOURCES FOR LIVING
Resources for Living (RFL) provides telephonic counseling and referral services to members to help
balance their busy lives. A RFL counselor has a discussion with the member regarding the best
services for their needs. The counselor does research and then provides the member with helpful,
relevant information about services and programs in their area within three days. Members have
access to real, workable solutions and answers to concerns about daily issues with just the click of a
button or phone call.
RFL can find solutions for child care, elder care and many other everyday personal, household and
family issues, including (but not limited to):
Child care – Childcare centers, family daycare homes, summer camps, nanny/au pair
agencies, nursery schools, before and after-school programs, kindergarten classes, care for
children with special needs, pregnancy resources and adoption information
Elder care and care for adults with disabilities – Home health care, rehabilitation centers,
nursing homes, adult day care, transportation services, support groups, meal programs,
assisted living, emergency response, independent and assisted living options, Medicare/
Medicaid issues and geriatric care management
Caregiver support – Help with long-distance caregiving issues, respite services, community
resources, support groups and referrals
School and college planning – Information and referrals to schools and other educational
programs from kindergarten through graduate level at private and public schools
Convenience services – Relocation, home cleaning, lawn and landscaping, plumbing,
automotive, travel information, pet care, entertainment and dining
RFL Highlights:
RFL’s 24-hour toll-free member line: With one phone call, members can reach a consultant
who gathers information about their specific needs. After the call, the consultant starts the
research and does the legwork needed to identify resources for the member. The Work life
Consultant continues to provide personalized help until all needs are met. Members receive
detailed information on referral sources by e-mail, mail and telephone.
RFL’s online member work life services: Through the RFL website, members can do their
own search for resources from a network of over one million service providers.
CHILD & ELDER CARE ASSISTANCE
WFB.04.27.BL.12
Page 16
RESOURCES FOR LIVING — ELDER CARE
Resources for Living (RFL) provides telephonic elder care counseling and referral services to help
balance members’ busy lives. A RFL counselor listens to situations and discusses services that are
appropriate. The counselor researches the services available to the elder and the geographic area.
The research is completed in two to three business days. Members have access to experienced
elder care counselors and will receive referrals to services that assist members with their care.
With this program, members have access to written information on the following topics:
Elder Caregiving: Discussions with your elder, help for the caregiver, planning for backup care
for elders, services for elders who stay at home, living arrangements for older adults who are
ready to relocate and geriatric care managers
Elder Care Financial: Long term care insurance, financing nursing home care, reverse
mortgages and the Food Stamp Program
Elder Care Health: Alzheimer’s disease and dementia, assistive devices for independent living,
home safety checklists for seniors and hospice, dental care, depression in elders, driving, foot
care and ear care for older adults
Elder Care Legal: Understanding wills, power of attorney, guardianship and conservatorship,
elder law and elder law attorneys, as well as managing important personal, financial and legal
records
Nursing Homes: An overview of nursing home regulations, nursing home inspections and
reports, members’ rights in a nursing home and the Long Term Care Ombudsman Program
Medicare and Social Security: Overview of both Medicaid and Medicare and overviews of
Social Security benefits and Supplemental Security income
Key features of this program:
Monthly Webinars provide information on a variety of topics, from coping methods during our
current economic state, to healthy living and much more. There are 3 to 4 one-hour webinars
and short 30 minute webinars throughout the month. If a member cannot attend live, they can
listen to the webinar by clicking on the Archived Webinars.
WorkLife Notes are informational pages written by our experienced communications staff of
masters’-level, licensed clinical social workers and therapists who provide information on elder
caregiving, finances, health, legal matters, nursing homes, Medicare and Social Security.
Monthly Bulletins provide several timely articles on a variety of topics each month that are
available in English and Spanish.
CHILD & ELDER CARE ASSISTANCE
WFBE.04.27.BL.12
Page 17
CHOOSEHEALTHY
With the ChooseHealthy® program provides members will have access to a wide variety of
credentialed specialty health care practitioners.
With this Wellness program, members can:
Choose from more than 31,000 credentialed specialty health care practitioners, including
more than 23,000 contracted chiropractors.
Receive a 25% discount off normal fees for services. Specialty health care includes services
from chiropractors, massage therapists, acupuncturists and registered dietitians.
Access practitioners directly without a physician referral and change providers at any time.
Receive discounts on a wide variety of health and wellness products including vitamins,
minerals, supplements, skin care items, homeopathic remedies, health-related books/DVDs,
fitness and sports related products with free shipping.
Please note that this is a discount program; it is not insurance. You should check any insurance benefits you
have before using this discount program, as those benefits may result in lower costs to you than using this
discount program. The discount program provides for discount specialty health care services from
participating practitioners. You are obligated to pay for all health care services but will receive a discount from
those health care providers who have contracted with the discount program. The discount program does not
make payments directly to the participating practitioners in the discount program. The discount program has
no liability for providing or guaranteeing service and assumes no liability for the quality of service
rendered.
ChooseHealthy is a federally registered trademark of American Specialty Health Incorporated and used with
permission herein.
CHIROPRACTIC & ALTERNATIVE MEDICINE
ASH.08.16.JH.13
Page 18
CHOOSEHEALTHY PLUS FITNESS
With the ChooseHealthy® program provides members will have access to a wide variety of
credentialed specialty health care practitioners.
With this wellness program, members can:
Choose from more than 31,000 credentialed specialty health care practitioners, including
more than 23,000 contracted chiropractors.
Receive a 25% discount off normal fees for services. Specialty health care includes services
from chiropractors, massage therapists, acupuncturists and registered dietitians.
Receive a minimum 10% discount off initiation and/or monthly dues at more than 12,000
fitness facilities and exercise centers nationwide (may apply to new health club members
only). Additionally, members may try a participating facility for a free one-week trial
membership or one free introductory
session prior to joining.
Receive discounts on a wide variety of health and wellness products including vitamins,
minerals, supplements, skin care items, homeopathic remedies, health-related books/DVDs,
fitness and sports related products with free shipping.
Please note that this is a discount program; it is not insurance. You should check any insurance benefits you
have before using this discount program, as those benefits may result in lower costs to you than using this
discount program. The discount program provides for discount specialty health care services from
participating practitioners. You are obligated to pay for all health care services but will receive a discount from
those health care providers who have contracted with the discount program. The discount program does not
make payments directly to the participating practitioners in the discount program. The discount program has
no liability for providing or guaranteeing service and assumes no liability for the quality of service rendered.
ChooseHealthy is a federally registered trademark of American Specialty Health Incorporated and used with
permission herein.
CHIROPRACTIC & ALTERNATIVE MEDICINE
ASHP.08.16.JH.13
Page 19
CHIROPRACTIC LIFECARE OF AMERICA
Members can enjoy the highest quality chiropractic care with access to one of the largest networks
of handpicked doctors across America. Chiropractic Lifecare of America is not insurance, and there
are no forms to fill out, waiting or visit limits. Chiropractic Lifecare of America provides affordable,
easy-to-access chiropractic care.
Services Include:
A network of nearly 5,000 doctors
An average of savings of 30% to 60% off chiropractic services
Save 50% off initial exam, consultation and diagnostics
No more than $40 for spinal adjustments
50% off in-house x-rays
CHIROPRACTIC & ALTERNATIVE MEDICINE
CLA.04.25.JH.13
Page 20
HEALTHWAYS WHOLE HEALTH NETWORK
Members will have cost-effective access to one of the largest networks of chiropractors and other
top qualified alternative health care practitioners in the United States. Healthways WholeHealth
Network is a complete wellness program comprised of over 36,000 practitioners nationally,
including over 14,000 chiropractors and over 22,000 alternative health care providers.
Members save 10% to 40% on chiropractic services, 25% on vitamins and nutritional
supplements and receive discounts on many types of alternative health care therapies
including:
Diet and Nutritional Counselors Personal trainers
Acupuncturists Biofeedback
Chiropractors Dieticians
Exercise Specialists Herbology and Herbal Medicine
Holistic Health Practitioners Massage Therapy
Body Work Meditation
Nutritional Counseling and Supplements Reflexology
Relaxation Treatment (including Hypnotherapy) Tai Chi and Chi Gong
Vitamins Yoga
And many more!
CHIROPRACTIC & ALTERNATIVE MEDICINE
AWHL.10.19.JH.12 AWHC.10.19.JH.12
Page 21
LESCONCIERGES
Balancing work and life has never been more challenging. The Careington Concierge helps
members to simplify life and more thoroughly enjoy their precious free time. Anytime, anywhere,
members will have access to the professional staff of LesConcierges. They are expertly trained and
dedicated to making a member’s wishes become a reality.
From the mundane to the miraculous, members will be amazed with what LesConcierges can do for
them. For everything from vacation planning to home repairs, sold-out concerts to intimate
dinners, LesConcierges is only a phone call or click away.
Do you need your house cleaned before your in-laws arrive?
Is a dripping faucet driving you crazy?
Would you like to keep abreast of the best restaurants, newest hot spots and shows coming
to town?
How about that reunion you’ve always been talking about?
Would you like to find a discontinued perfume for your mom or a childhood memento for
your best friend?
Begin using the Personal Assistance Service with Careington today by calling or by visiting us online.
Services Available:
Gift and Shopping Services
Personal Services
Information Services
Entertainment Arrangements
Travel Coordination
Party and Event Planning
Meeting Planning
And Much More!
Challenge LesConcierges with the ordinary to the extraordinary!
CONCIERGE
CONC.12.27.BL.12
Page 22
TRAVEL GUARD — CONCIERGE
The Concierge Service is available through Travel Guard Assist (TGA). Members will receive the
comfort, care and attention of Travel Guard’s personal assistance coordinators available 24/7 to
respond to virtually any request no matter how large or how small.
Concierge Services
Restaurant referrals and reservations Event ticketing
Local activity recommendations Movie and theater information
Ground transportation assistance Prescription delivery assistance
Golf tee time reservations Wireless device assistance
Weather and ski reports Floral services
Find, wrap and deliver gifts Special occasion gift ideas
Latest stock quotes Latest sports scores
Private air charter assistance Cruise charter assistance
Lottery results
Cruise charter assistance – Assistance with establishing availability and booking of cruise
charters
Latest sports scores – 24/7 updates on sports scores
Find, wrap and deliver one-of-a-kind gifts
Assistance with obtaining information about movie or theater events playing within a
specific area. Travel Assist also obtains tickets to theater or movie events based on
availability.
Latest stock quotes – Up-to-the-minute stock quotes.
Special occasion reminders and gift ideas – Coordination with finding unique gifts for friends
and family, including gift wrapping and delivery.
Local activity recommendations – Worldwide local activity referrals and reservations made
on behalf of the customer based on availability.
Limitations/Exclusions:
Travel Guard Assist provides concierge services through coordination, negotiation and consultation
using an extensive network of worldwide partners. Expenses for goods and services provided by
third parties such as activities and merchandise are the responsibility of the member.
**Non emergency travel booking fees include: $35 per person for domestic tickets, $55 per person
for international tickets, $35 per person for tours and cruises, $20 per hotel booked, and $20 per
rental car booked.
CONCIERGE
TCON.09.27.BL.12
Page 23
AMERICAN BEHAVIORAL
Members and eligible dependents have access to My Personal Counselor, a confidential telephonic
counseling and referral service*. American Behavioral is a national network of professional
behavioral healthcare providers that are licensed and credentialed in their area of expertise.
Your counselor will help you identify problems and assist in working through them. The counselor
can also determine the best alternatives and, if necessary, make appropriate referrals to other
professionals that specialize in your area of concern.
This service offers help in the following areas:
Marital and Family
Alcohol and Other Drug Dependency
Stress and Anxiety-Related Issues
Grief
Emotional Problems
Additional services include:
Web-Based Services: Personal Advantage web site contains over 20,000 resources on
topics
such as emotional well-being, family life, health, financial, legal, personal growth and stress
in both English and Spanish versions. There are health risk assessments available that
provide individualized reports with suggestions for improvement as well as a variety of
professional skill development courses such as Communication or Supervisory Skills
Training.
Community Resources: Many times, members may need a support group for issues such
as divorce, cancer, grief, autism and alcohol or drug dependency. My Personal Counselor
can help you find what you are looking for.
*3 one-half hour counseling sessions available per household each year.
COUNSELING
ABEC.04.08.BL.13
Page 24
AMERICAN BEHAVIORAL
Members and eligible dependents have access to My Personal Counselor, a confidential telephonic
counseling and referral service*. American Behavioral is a national network of professional
behavioral healthcare providers that are licensed and credentialed in their area of expertise.
Your counselor will help you identify problems and assist in working through them. The counselor
can also determine the best alternatives and, if necessary, make appropriate referrals to other
professionals that specialize in your area of concern.
This service offers help in the following areas:
Marital and Family
Alcohol and Other Drug Dependency
Stress and Anxiety-Related Issues
Grief
Emotional Problems
Additional services include:
Web-Based Services: Personal Advantage web site contains over 20,000 resources on topics
such as emotional well-being, family life, health, financial, legal, personal growth and stress
in both English and Spanish versions. There are health risk assessments available that
provide individualized reports with suggestions for improvement as well as a variety of
professional skill development courses such as Communication or Supervisory Skills
Training.
Community Resources: Many times, members may need a support group for issues such
as divorce, cancer, grief, autism and alcohol or drug dependency. My Personal Counselor
can help you find what you are looking for.
*6 one-half hour counseling sessions available per household each year.
COUNSELING
ABEH.02.11.BL.11
Page 25
AETNA DENTAL ACCESS® NETWORK
Members may take advantage of savings through the Aetna Dental Access
®
Network, one of the
largest, most recognized discount dental networks in the nation.
Members will have access to discounted services and in most instances, can save 15% to 50% per
visit on everything from general dentistry to root canals, crowns and orthodontia at over 128,000*
available dental practice locations nationwide.
Sample
Savings
*Dental Counts as of October 2012 Aetna Enterprise Provider Database.
**The select regional average cost represents the average fees for the procedures listed above in Los Angeles,
Orlando, Chicago and New York City as displayed in the Estimate Cost of Care Tool as of September 2012.
***Actual costs and savings may vary by provider, service and geographic location. The average cost with Vital
Savings by Aetna is the average of the negotiated fees for the cities referenced above.
Participants must pay health care providers directly.
This is NOT insurance.
Actual Discounts will vary based on the geographic location of the dental provider and the
services provided.
Careington provides access to Aetna Dental Access® Network. This network is
administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates
offers or administers the Careington membership. Neither ALIC nor any of its affiliates is an
affiliate, agent, representative, or employee of Careington International Corporation. 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.
Careington International Corporation: 7400 Gaylord PKWY, Frisco, TX 75034, 1-800-290-
0523.
DENTAL
ATNA.05.07.BL.13
Procedure Average
Cost**
Average Cost with Aetna
Dental Access***
Member
Savings
Periodic Oral Exam $56 $30 $26
Comprehensive Oral Exam $87 $43 $44
X-Ray, Bitewings – Four Films $68 $36 $32
Cleaning – Adult $107 $59 $48
Sealant (Per Tooth) $62 $31 $31
Filling – One Surface Resin Filling. Front Tooth $170 $90 $80
Root Canal Molar Excluding Final Restoration $1,085 $746 $339
Complete Upper Denture $1,190 $901 $289
Comprehensive Orthodontic Treatment – Child $5,546 $3,508 $2,038
Page 26
CAREINGTON 500 SERIES DENTAL NETWORK
Members may take advantage of savings offered by an industry leader in dental care. Careington
International Corporation is one of the most recognized professional dental networks in the nation
and boasts a provider network of over 154,000 dental access points.
Careington Dental
Plan
Features:
Save 20% to 60% on most dental procedures including routine oral exams, unlimited cleanings,
and
major work such as dentures, root canals, and crowns
20% savings on orthodontics including braces and retainers for children and adults
20% reduction on specialist’s normal fees. Specialties include: Endodontics, Oral Surgery,
Pediatric Dentistry, Periodontics, and Prosthodontics where available
Cosmetic dentistry such as bonding and veneers also
included
All dentists must meet highly selective credentialing standards based on education, background,
license standing and other requirements
Members may visit any participating dentist on the plan and change providers at any
time
Sample Savings
DENTAL
C500.07.02.JH.13
Description * Regular Cost ** Plan Cost Savings %
Adult Cleaning $109 $37 66%
Child Cleaning $75 $29 61%
Routine Checkup $62 $17 73%
Four Bitewing X-rays $71 $25 65%
Composite (White) Filling $260 $96 63%
Crown (porcelain fused to noble metal) $1,172 $538 54%
Complete Upper Denture $1,718 $713 58%
Molar Root Canal $1,247 $487 61%
Extraction (single tooth) $204 $62 70%
* Regular cost is based on the average of the 80th percentile usual and customary rates as detailed in
the Ingenix Report for 2012 in Los Angeles, Orlando, Chi
cago and New York City.
** These fees represent an average of the Careington Care 500 Series fees in Los Angeles, Orlando, Chi-
cago and New York City.
Prices subject to change.
Page 27
CAREINGTON POS DENTAL NETWORK
Members may take advantage of savings offered by an industry leader in dental care. Careington
International Corporation is one of the most recognized professional dental networks in the nation
and boasts a provider network of over 169,000 dental access points.
Careington Dental Plan Features:
Save 20% to 50% on most dental procedures including routine oral exams, unlimited
cleanings and major work such as dentures, root canals and crowns.
20% savings on orthodontics including braces and retainers for children and adults
20% reduction on specialists’ normal fees. Specialties include Endodontics, Oral Surgery,
Pediatric Dentistry, Periodontics and Prosthodontics where available.
Cosmetic dentistry such as bonding and veneers also included
All dentists must meet highly selective credentialing standards based on education,
background, license standing and other requirements.
Members may visit any participating dentist on the plan and change providers at any time.
DENTAL
POS.07.02.BL.13
Sample Savings
Description * Regular Cost ** Plan Cost Savings
Adult Cleaning $109 $52 52%
Child Cleaning $75 $38 49%
Routine Checkup $62 $27 56%
Four Bitewing X-rays $71 $34 52%
Composite (White) Filling $260 $127 51%
Crown (porcelain fused to noble metal) $1,172 $632 46%
Complete Upper Denture $1,718 $880 49%
Molar Root Canal $1,257 $642 49%
Extraction (single tooth) $204 $90 56%
* Regular cost is based on the national average of the 80th percentile usual and customary rates as detailed
in the 2012
FairHealth
Report in the Los Angeles, Orlando, Chicago and New York City areas.
** These fees represent the average of the assigned Careington Care POS Series fees in the Los Angeles, Or-
lando,
Chicago and
New
York City metropolitan statistical areas.
Prices subject to change.
Page 28
CAREINGTON PLATINUM POS DENTAL NETWORK
Members may take advantage of savings offered by an industry leader in dental care. Careington
International Corporation is one of the most recognized professional dental networks in the nation
and boasts a provider network of over 191,000 dental access points.
Careington Dental Plan Features:
Save 5% to 40% on most dental procedures including routine oral exams, unlimited
cleanings, and major work such as dentures, root canals, and crowns
5% to 15% savings on orthodontics including braces and retainers for children and adults
5% to 15% reduction on specialist’s normal fees. Specialties include: Endodontics, Oral
Surgery, Orthodontics, Pediatric Dentistry, Periodontics, and Prosthodontics where available
Cosmetic dentistry such as bonding and veneers also included
All dentists must meet highly selective credentialing standards based on education,
background, license standing and other requirements
Members may visit any participating dentist on the plan and change providers at any time
Sample Savings
DENTAL
CPPS.07.02.BL.13
Description * Regular Cost ** Plan Cost Savings
Adult Cleaning $109 $64 41%
Child Cleaning $75 $46 39%
Routine Checkup $62 $32 48%
Four Bitewing X-rays $71 $43 39%
Composite (White) Filling $260 $165 37%
Crown (porcelain fused to noble metal) $1,172 $690 41%
Complete Upper Denture $1,718 $1,055 39%
Molar Root Canal $1,257 $708 44%
Extraction (single tooth) $204 $107 48%
* Regular cost is based on the national average of the 80th percentile usual and customary rates as detailed in the 2012
FairHealth Report in the Los Angeles, Orlando, Chicago and New York City areas.
** These fees represent the average of the assigned Careington Care Platinum POS Series fees in the Los Angeles, Orlando,
Chi
cago and New York City metropolitan statistical areas.
Prices subject to change.
Page 29
CAREINGTON PDNP DENTAL NETWORK (POS & CPPS)
Members may take advantage of savings offered by an industry leader in dental care. Careington
International Corporation is one of the most recognized professional dental networks in the nation
and boasts a provider network of over 200,000 dental access points.
Careington Dental Plan Features:
Save 5% to 50% on most dental procedures including routine oral exams, unlimited
cleanings, and major work such as dentures, root canals, and crowns
5% to 20% savings on orthodontics including braces and retainers for children and adults
5% to 20% reduction on specialist’s fees. Specialties include: Endodontics, Oral Surgery,
Orthodontics, Pediatric Dentistry, Periodontics and Prosthodontics where available
Cosmetic dentistry such as bonding and veneers also included
All dentists must meet highly selective credentialing standards based on education,
background, license standing and other requirements
You may visit any participating dentist on the plan and change providers at any time
Sample Savings
DENTAL
PDNP.07.02.BL.13
Description * Regular Cost ** Plan Cost Savings
Adult Cleaning $109 $58 47%
Child Cleaning $75 $42 44%
Routine Checkup $62 $29 53%
Four Bitewing X-rays $71 $39 45%
Composite (White) Filling $260 $146 44%
Crown (porcelain fused to noble metal) $1,172 $661 44%
Complete Upper Denture $1,718 $968 44%
Molar Root Canal $1,257 $675 46%
Extraction (single tooth) $204 $99 51%
* Regular cost is based on the national average of the 80th percentile usual and customary rates as detailed in the 2012
FairHealth Report in the Los Angeles, Orlando, Chicago and New York City areas.
** These fees represent the average of the assigned Careington PDNP Series fees in the Los Angeles, Orlando, Chicago and
New York City metropolitan statistical areas.
Prices subject to change.
Page 30
CAREINGTON MAXIMUM ACCESS DENTAL NETWORK (C500, POS & CPPS)
Members may take advantage of savings offered by an industry leader in dental care. Careington
International Corporation is one of the most recognized professional dental networks in the nation
and boasts a provider network of over 200,000 dental access points.
Careington Dental Plan Features:
Save 5% to 60% on most dental procedures including routine oral exams, unlimited
cleanings, and major work such as dentures, root canals, and crowns
5% to 20% savings on orthodontics including braces and retainers for children and adults
5% to 20% reduction on specialist’s normal fees. Specialties include: Endodontics, Oral
Surgery, Orthodontics, Pediatric Dentistry, Periodontics, and Prosthodontics where available
Cosmetic dentistry such as bonding and veneers also included
All dentists must meet highly selective credentialing standards based on education,
background, license standing and other requirements
Members may visit any participating dentist on the plan and change providers at any time
Sample Savings
DENTAL
PDN5.07.02.BL.13
Description * Regular Cost ** Plan Cost Savings %
Adult Cleaning $109 $51 53%
Child Cleaning $75 $37 51%
Routine Checkup $62 $25 60%
Four Bitewing X-rays $71 $34 52%
Composite (White) Filling $260 $129 50%
Crown (porcelain fused to noble metal) $1,172 $620 47%
Complete Upper Denture $1,718 $883 49%
Molar Root Canal $1,257 $612 51%
Extraction (single tooth) $204 $86 58%
* Regular cost is based on the average of the 80th percentile usual and customary rates as detailed in the 2012 Fair Health
Report in the Los Angeles, Orlando, Chicago and New York City areas.
** These fees represent an average of the Careington PDN5 Maximum Access Series fees in the Los Angeles, Orlando, Chi-
cago and New York City metropolitan statistical areas.
Prices subject to change.
Page 31
MAXIMUM CARE DISCOUNT NETWORK (POS & DENTEMAX)
Careington has owned and managed dental networks for 30 years and has recently contracted with
DenteMax, another quality dental network provider, to create a “combined” national discount dental
network with significant presence. This combined network is known as the Maximum Care Discount
Network.
The Maximum Care Discount Network consists of over 200,000 credentialed dental access points
contracted
to provide dental services at reduced rates nationwide. The network combines the outstanding
network management skills of two great organizations and results in discounts of 20% to 50% below the
80th percentile of Reasonable and Customary charges.
Members are able to
take advantage of savings offered by leaders in the dental care industry.
Sample Savings
* Regular cost is based on the national average of the 80th percentile usual and customary rates as detailed in the 2012
FairHealth Report in the Los Angeles, Orlando, Chicago and New York City areas.
** These fees represent the average of the assigned Careington Maximum Care Discount Network fees in the
Los Ange
les, Orlando, Chicago and New York City metropolitan statistical areas.
Prices subject to change
About Careington: Careington International Corporation is a Discount Medical Plan Organization and PPO
Dental Network Administrator that provides access to quality dental, health care and lifestyle services at
reduced rates. The company provides a range of membership programs that deliver significant savings to
more than eight million members nationwide.
About DenteMax: DenteMax was founded in 1985 in Michigan and eventually expanded into Ohio and
California, and gradually throughout the entire United States to become the nation’s largest leasable dental
PPO network.
DENTAL
DN14.07.02.BL.13
Description * Regular Cost ** Plan Cost Savings
Adult Cleaning $109 $53 51%
Child Cleaning $75 $38 48%
Routine Checkup $62 $27 56%
Four Bitewing X-rays $71 $35 51%
Composite (white) Filling $260 $129 50%
Crown (porcelain fused to noble metal) $1,172 $641 45%
Complete Upper Denture $1,718 $845 51%
Molar Root Canal $1,257 $658 48%
Extraction (single tooth) $204 $87 57%
Page 32
CAREINGTON PPO DENTAL NETWORK
Members may take advantage of savings offered by an industry leader in dental care. Careington
International Corporation is one of the most recognized professional dental networks in the nation
and boasts a provider network of over 169,000 dental access points.
Careington Dental Plan Features:
Save 20% to 50% on most dental procedures including routine oral exams, unlimited
cleanings, and major work such as dentures, root canals, and crowns
20% savings on orthodontics including braces and retainers for children and adults
20% reduction on specialist’s normal fees. Specialties include: Endodontics, Oral Surgery,
Pediatric Dentistry, Periodontics, and Prosthodontics where available
Cosmetic dentistry such as bonding and veneers also included
All dentists must meet highly selective credentialing standards based on education,
background, license standing and other requirements
Members may visit any participating dentist on the plan and change providers at any time
Sample Savings
DENTAL
PPO.07.02.BL.13
Description * Regular Cost ** Plan Cost Savings %
Adult Cleaning $109 $52 52%
Child Cleaning $75 $38 49%
Routine Checkup $62 $27 56%
Four Bitewing X-rays $71 $34 52%
Composite (White) Filling $260 $127 51%
Crown (porcelain fused to noble metal) $1,172 $632 46%
Complete Upper Denture $1,718 $880 49%
Molar Root Canal $1,257 $642 49%
Extraction (single tooth) $204 $90 56%
* Regular cost is based on the average of the 80th percentile usual and customary rates as detailed in the 2012 Fair Health
Report in the Los Angeles, Orlando, Chicago and New York City areas.
** These fees represent an average of the Careington Care PPO Series fees in the Los Angeles, Orlando, Chicago and New
York City metropolitan statistical areas.
Prices subject to change.
Page 33
CAREINGTON PLATINUM PPO DENTAL NETWORK
Members may take advantage of savings offered by an industry leader in dental care. Careington
International Corporation is one of the most recognized professional dental networks in the nation
and boasts a provider network of over 176,000 dental access points.
Careington Dental Plan Features:
Save 5% to 40% on most dental procedures including routine oral exams, cleanings, and
major work such as dentures, root canals, and crowns
5% to 15% savings on orthodontics including braces and retainers for children and adults
5% to 15% reduction on specialist’s normal fees. Specialties include: Endodontics, Oral
Surgery, Pediatric Dentistry, Periodontics, and Prosthodontics where available
Cosmetic dentistry such as bonding and veneers also included
All dentists must meet highly selective credentialing standards based on education,
background, license standing and other requirements
Members may visit any participating dentist on the plan and change providers at any time
Sample Savings
DENTAL
CPPO.07.02.BL.13
Description * Regular Cost ** Plan Cost Savings %
Adult Cleaning $109 $64 41%
Child Cleaning $75 $46 39%
Routine Checkup $62 $32 48%
Four Bitewing X-rays $71 $43 39%
Composite (White) Filling $260 $165 37%
Crown (porcelain fused to noble metal) $1,172 $690 41%
Complete Upper Denture $1,718 $1,055 39%
Molar Root Canal $1,257 $708 44%
Extraction (single tooth) $204 $107 48%
* Regular cost is based on the national average of the 80th percentile usual and customary rates as detailed in
the 2012 FairHealth Report in the Los Angeles, Orlando, Chicago and New York City areas.
** These fees represent the average of the assigned Careington Care Platinum PPO Series fees in the Los Ange-
les, Orlando, Chicago and New York City metropolitan statistical areas.
Prices subject to change.
Page 34
MAXIMUM CARE DENTAL NETWORK (PPO, CPPO & DENTEMAX)
Careington has owned and managed dental networks for 30 years and has recently contracted with
DenteMax, another quality dental network provider, to create a “combined” national PPO dental
network with significant presence. This combined network is known as the Maximum Care Network.
The Maximum Care Network consists of over 200,000 credentialed dental access points contracted
to provide dental services at reduced rates nationwide. The network combines the outstanding
network management skills of two great organizations and results in average aggregate discounts
of 5% to 50% below the 80
th
percentile of Reasonable and Customary charges. Members are able
take advantage of savings offered by leaders in the dental care industry.
Sample Savings
About Careington: Careington International Corporation is a Discount Medical Plan Organization and PPO
Dental Network Administrator that provides access to quality dental, health care and lifestyle services at
reduced rates. The company provides a range of membership programs that deliver significant savings to
more than seven million members nationwide.
About DenteMax: DenteMax was founded in 1985 in Michigan. DenteMax eventually expanded into Ohio
and California, and gradually throughout the entire United States to become the nation’s largest leasable
dental PPO network.
This is a PPO plan. This is not a discount plan.
Third party administrators will pay for covered services according to the plan design. All applicable co-pays,
deductibles or co-insurance, outlined by the plan design, are to be paid directly to the dental office at the
time service is rendered. Please ask the dentist or office staff to explain all charges before treatment begins.
DENTAL
DN11.07.02.BL.13
Description * Regular Cost ** Plan Cost Savings %
Adult Cleaning $109 $57 48%
Child Cleaning $75 $41 45%
Routine Checkup $62 $29 53%
Four Bitewing X-rays $71 $38 46%
Composite (White) Filling $260 $142 45%
Crown (porcelain fused to noble metal) $1,172 $662 44%
Complete Upper Denture $1,718 $922 46%
Molar Root Canal $1,257 $681 64%
Extraction (single tooth) $204 $95 53%
* Regular cost is based on the national average of the 80th percentile usual and customary rates as detailed in the 2012
FairHealth Report in the Los Angeles, Orlando, Chicago and New York City areas.
** These fees represent the average of the assigned Careington Maximum Care Series fees in the Los Angeles, Orlando, Chi-
cago and New York City metropolitan statistical areas.
Prices subject to change.
Page 35
CAREINGTON (POS) AND DENTAL NETWORKS OF AMERICA (SELECT)
Members may take advantage of savings offered by two of the industry leaders in dental care,
Careington International Corporation (CA only) and Dental Network of America. These two
networks are among the most recognized professional dental networks in the nation and boast a
combined provider network of over 31,000 dental access points.
Careington Dental Plan Features:
Save 10% to 50% on most dental procedures including routine oral exams, unlimited
cleanings and major work such as dentures, root canals and crowns.
Cosmetic dentistry such as bonding and veneers also included
CarePOS specialists include Endodontics, Oral Surgery, Orthodontics, Pediatric Dentistry,
Periodontics and Prosthodontics where available – 20% reduction on specialist’s normal fees.
Select Network specialists include Endodontics, Oral Surgery, Pediatric Dentistry,
Periodontics and Prosthodontics. Orthodontics included for both children and adults at a 5%
to 20% savings. All other Select specialists utilize the Select Fee Schedule.
All dentists must meet highly selective credentialing standards based on education,
background, license standing and other requirements.
Members may visit any participating dentist on the plan and change providers at any time.
DENTAL
SLCT.11.29.BL.11
Page 36
DENTEMAX®
DenteMax® is one of the most affordable and easy-to-use discount dental networks in the country.
With the DenteMax network of dentists, members can enjoy saving from 20% to 50% on most
dental procedures with access to over 156,000 credentialed dental access points including a
complete specialty network. DenteMax has been proudly delivering a quality dental network for
over 28 years.
The DenteMax Network Features:
Save 20% to 50% on most dental care procedures: check-ups, cleanings, fillings, root canals
and more
Orthodontics, Teeth Whitening, Cosmetic Dentistry, Oral Surgery and Children’s Specialists
included
High-quality, credentialed dentists
DENTAL
DMXD.08.16.RM.13
Sample Savings Chart
Procedure Description * Regular Cost ** Plan Cost % Savings
Adult Cleaning $109 $54 50%
Child Cleaning $75 $39 48%
Routine Checkup $62 $27 56%
Four Bitewing X-Rays $71 $36 49%
Composite (White) Filling $260 $132 49%
Crown (Porcelain Fused to Noble Metal) $1,172 $650 45%
Complete Upper Denture $1,718 $810 53%
Molar Root Canal $1,257 $674 46%
Extraction (Single Tooth) $204 $85 58%
* Regular cost is based on the national average of the 80th percentile usual and customary rates
as detailed in the 2012 Fair Health Report in the Los Angeles, Orlando, Chicago and New York City
areas.
** These fees represent the average of the assigned DenteMax fees in the Los Angeles, Orlando,
Chicago and New York City metropolitan statistical areas.
Prices subject to change
Page 37
Category Procedure
2011 Nat’l
Average Fees
Member
Cost
Member
Savings
% of Savings
Diagnostic
Periodic Oral Evaluation $54 $0 $54 100%
X-rays – Bitewings (four films) $70 $0 $70 100%
Preventive
Prophylaxis: Adult (excluding fluoride) $97 $86 $11 11%
Prophylaxis: Child (excluding fluoride) $71 $61 $10 14%
Restorative
Resin-based Composite (1 surface, posterior) $190 $126 $64 34%
Resin-based Composite (2 surfaces, posterior) $248 $166 $82 33%
Resin-based Composite (3 surfaces, posterior) $306 $215 $92 30%
Crown-porcelain fused to high noble metal $1,184 $987 $197 17%
Crown-porcelain fused to predominantly base
metal
$1,107 $902 $205 19%
Crown-porcelain fused to noble metal $1,130 $951 $179 16%
Prefabricated post and core in addition to crown $360 $272 $88 24%
Endodontics
Root canal therapy: Anterior (excluding final res-
toration)
$780 $601 $179 23%
Root canal therapy: Bicuspid (excluding final res-
toration)
$906 $721 $185 20%
Root canal therapy: Molar (excluding final resto-
ration)
$1,086 $878 $208 19%
Oral Surgery
Extraction, erupted tooth or exposed root
(elevation and/or forceps removal)
$187 $119 $68 36%
SIGNATURE DENTAL NETWORK
Signature Dental Plan provides significant discounts on a wide range of services for members and
their families at over 47,000 providers nationwide. Because high-quality dental hygiene is so vital to
health, each dentist in the network must pass a detailed approval process to ensure that he or she
meets the Signature Dental Plan’s standards for education, licensing, state certification, customer
service and safety. The plan is easy to use. Members simply present their member ID card at the
time of service to receive the discounted amount for the services. There are no limitations on use or
forms to fill out. Members simply pay their discounted fee directly to the provider at the time of
service.
With this plan, members receive:
Savings from 14% to 35% on over 170 procedures. Signature Dental Plan includes discounts
on orthodontics, root canals, crowns and other specialty procedures – even tray bleaching.
Free bite-wing x-rays and oral exams*.
All 170 procedures are pre-negotiated based off a set fee schedule. (Many competitive plans
include a percentage discount off of a dentist’s typical charges rather than guaranteeing a
price.)
With Signature Dental Plan, there are no hidden fees. These hidden fees, such as exclusions
for lab work, can cost hundreds of dollars in unanticipated expenses. Signature Dental Plan
does not include any hidden fees.
No limits on use.
Sample Savings
*Fee for bite-wing x-rays and oral exams in CO, MD & WA.
DENTAL
SIGD.07.10.BL.12
Page 38
BETTER LIVING NOW
A managed care provider of healthcare products and services, specializing in the needs of patients
with chronic conditions. From medical appliances and supplies to home medical equipment, this
program can be a member’s single source for all their vitamin and nutrition or durable medical
equipment needs.
Services Include:
Free shipping and choice of free gift with first order
Durable Medical Equipment – 20% to 30% off retail price
Disposable Medical Supplies – 20% to 40% off retail price
Nutritional Supplements and Daily Living Aids– 20% to 25% off retail price
No shipping charges for orders that are $100 or more. Shipping is a flat $7.95 for orders
under $100
Up to a 90-day supply and the care coordinators send a replacement notification before the
supplies run out
No complicated forms to fill out and no inconvenient trips to the pharmacy
Most high quality products come with a 30-day, 100% satisfaction guarantee. Some products have
restrictions or cannot be returned.
Key Features:
Free blood glucose monitor upgrade
Durable medical equipment – 20% to 30% off retail price
Disposable medical supplies – 20% to 40% off retail price
Nutritional supplements – 20% to 25% off retail price
Daily living aids – 20% to 25% off retail price
NO shipping charges for orders that are $100.00 or more
We ship up to a 90-day supply and our care coordinators send you replacement notification
before your supplies run out
NO complicated forms to fill out
NO inconvenient trips to the pharmacy
DIABETES MANAGEMENT & LIFESTYLE ENHANCEMENT
BLN.08.23.KH.13
ITEM DESCRIPTION Retail Rate / TPQ
Savings off Retail
Price
Ascensia Breeze Blood Glucose Monitoring System $86.95 35%
Precision Xtra Test Strips “End-Fill” 50/box $68.57 35%
Comfort Infusion Set 23” 10/box $151.70 25%
Transfer Bench, Bathtub – Blow Molded w/Back 1-
each
$120.00 30%
Premium Skin Barrier Non-Sterile 4X4 $28.14 35%
Nebulizer, Aeromist® LT Nebulizer/Compressor $50.00 20%
Page 39
GLOBAL TOTAL HEALTH
Global Total Health provides the highest quality diabetic supplies at vastly reduced prices disbursed
through a highly sophisticated distribution channel. GTH is dedicated to offering the finest quality
FDA-approved and CMS-approved medical products channeled through a highly efficient and
effective delivery system. Additionally, GTH offers diabetes prevention/intervention by promoting
healthy lifestyle changes to reduce and prevent diabetes.
GTH offers all-inclusive wholesale pricing to members with no shipping or handling fees, priority
mailing on all products, the world’s most advanced diabetic testing meter and much
more.
Global Total Health services include:
Savings from 52% to 72% off the retail prices of diabetic testing supplies
A free talking meter or Dash meter that is simple, easy and accurate
Advocate Redi-Code Talking Glucose Meter – 69% off retail price
Advocate Redi-Code Test Strips – 56% off retail price
Advocate Lancet Device – 67% off retail price
Advocate Control Solution – 52% off retail price
Product Highlights:
Priority delivery with no shipping or handling costs or fees
Wholesale pricing to members that is 57% less than current costs for comparable products
and strips
The world’s most advanced diabetic testing meters
Bilingual audio functions in both English and Spanish talking meter
Meters with large screen display for greater ease of use for the visually impaired
Meters that allow alternate site testing, with small sample size, and no finger pricking
Meters that store up to 450 test results, downloadable to a computer in real time
DIABETES MANAGEMENT & LIFESTYLE ENHANCEMENT
GLTH.11.17.BL.11
Page 40
LIFECARD PLANS
Careington Members will be able to purchase one of the four plan levels listed below: Basic,
Standard, Premium, or Ultimate and save 20% off the normal retail price.
LifeCard Plans provides members emergency access to medical and legal documents from anywhere
in the world. LifeCard Plans provides member’s entire family with secure digital storage of key
information and documents through an online portal that can be accessed via a secure login from
anywhere, anytime.
Through LifeCard Plans Digital Vault, members have a secure online location to store and access
essential information and grant access to emergency healthcare professional and designated agents
when needed. Members can store and access the following essential information:
Medical History Physician Contract Copy of Medical Records
Medical Services Financial Agent Appointee Trustee Appointee
Liability Medical Treatment Health Care Agent
End-of-Life Expenses Medical Facilities Health Insurance
Funeral Arrangements Assets and Possessions Emergency Contact Information
Members have the option of selecting one of the following DigitalVault Plans at 20% off the
retail price:
EMERGENCY MEDICAL INFORMATION
LCP.03.16.JH.13
Services Basic Standard Premium Ultimate
Covers account holder, spouse or partner, and
dependents
24/7/365 emergency access to vital medical info
Secure online storage of medical info, charts, ex-
isting legal documents
LifeMinder Do-it-yourself entry forms and auto-
reminders
Unlimited Document revisions
Living Will/Advance Medical Directives
Last Will and Testament
Simple (Living) Trust
Included data storage 2 GB 5 GB 10 GB 15 GB
Page 41
ASKAFS
Financial Counseling on demand provides members with a broad array of practical financial
counseling services when they have questions and need assistance.
askAFS services include access to accredited, certified financial counselors by way of a live
telephonic counseling helpline and online information, educational and referral resources. Common
issues include credit matters, tax questions, home financing, credit card debt, cash flow review,
caring for elders, college planning, budgeting, retirement planning, vehicle purchase and many
other individual and family financial concerns. askAFS has no products or services to sell.
What does askAFS do?
Initial problem assessment
Initial problem clarification
Problem solving options
Creation of a goal-oriented plan
Resources and tools for the plan’s solutions and additional education
Assistance and support in completing the plan
Referrals for assistance as needed
Ongoing follow-up and help with additional concerns
Features and Benefits include:
Invaluable Resource – Unlimited access to a staff of highly trained, accredited, certified and
experienced financial counselors
A Powerful Array of Resources – Online tools, calculators, articles and education
Convenient and Immediate Access – Live counselors are available Monday through Friday
from 7 am to 8 pm CST, plus 24/7 availability of online resources
Better Decision for a Better Life – Counselors understand the emotional aspects of dealing
with difficult financial decisions
Understanding Work/Life Issues – A service that is sensitive to the challenges many
households face in managing work and family issues
Available for legal dependents with no age restriction.
FINANCIAL
ASKF.11.04.BL.10
Page 42
EFNANCIAL LIFE INSRUANCE
With Efinancial, clients can now shop and compare life insurance quotes from the nation’s top-rated
carriers by providing life insurance quotes and fulfillment for their members. Efinancial works
closely to assist members who are searching for affordable life insurance coverage.
Efinancial was created to give consumers a better way to purchase life insurance. The company was
built from the ground up using the most advanced technologies to create a world-class customer
experience. Efinancial emerged onto the market delivering the ability to shop online as well as
leverage an information center to get expert advice over the phone. Efinancial is one of the nation’s
largest distributors of life insurance products. They are proud to be recognized by INC magazine as
one of the fastest growing private companies in America two years in a row.
Key Benefits of Efinancial:
Term life insurance site provides instant access to free quotes, expert advice from licensed
insurance reps and the option to purchase up to $500,000 of term life insurance without a
medical exam just by answering a few health questions.
The user-friendly site is a great resource and designed to give users access to quickly
compare top-rated carriers with one easy-to-use tool.
Compare life insurance quotes, determine the best carrier based on their needs and
purchase from one of the country’s largest life insurance distributors.
FINANCIAL
EFIN.12.08.DH.10
Page 43
LEGAL CLUB OF AMERICA
This component of the Family Protection Plan provides you and your family with personalized
financial and credit counseling services. We provide access to counseling and financial education
through a variety of delivery methods including telephone, online tools and live chat sessions.
Whether you are renting or buying a home, having problems with debt, or setting up a trust, this
financial education program is designed to provide you and your family with the tools necessary to
make better financial decisions. Personal financial guidance and education is provided by over
1,000 experienced financial counselors.
Free Financial Education and Credit Counseling Services:
Free consultations
Credit & debt counseling by certified credit counselors
Assist in creating a livable budget to balance income and expenses
Provide specific advice on how to deal with creditors
Offer money management and budgeting techniques to help gain control of finances
Develop a comprehensive spending plan
Housing advisory services
Advice covering first-time home ownership, affordable mortgages and refinancing
Post-purchase counseling
Reverse mortgages – an explanation of what they are, and how they work
Online tools and articles
Access online articles designed to inform, assist, educate and alert you in all areas of
credit, money management and how to get help
Financial Services Requiring a Small Fee:
In the event members make the decision to file for bankruptcy, our counselors are trained to take
them through mandated education courses at a minimal fee. The members can then obtain their
required certificate of completion prior to the courts granting the bankruptcy.
FINANCIAL
LGCF.01.22.JH.13
Page 44
MEDICALFINANCING.COM
Members do not have to put off that necessary medical procedure or the cosmetic procedure that
they have always wanted because they do not have the money right now! MedicalFinancing.com
can help you get financing for an inpatient or outpatient procedure at the hospital, cosmetic
surgery, gastric bypass, vision correction or any other medical procedure. MedicalFinancing.com
can offer members affordable and easy financing options for their healthcare needs.
Featured services include:
Low monthly payments
No down payment required
No prepayment penalty
Competitive interest rates
Same as cash financing programs for up to 2 years*
Bad-credit financing available*
Flexible payment options and more
Elective Medical Procedures include:
Cosmetic Dentistry
Weight Loss Surgery
Vision Correction
Hair Restoration
Fertility
Skin Treatments
Med Spas
Chiropractic and more
Necessary Medical Procedures include:
Stem Cell Treatment
Hip Replacement
Knee Replacement
Cataract Surgery
Maternity Loans and more
*The APR rates may vary depending on your credit rating and loan term selected. All offers and
interest rebates require a separate application and are based on approved credit.
FINANCIAL
MYLO.08.20.KH.13
Page 45
FUNERAL PLANNING
DIGNITY MEMORIAL
Dignity Memorial® Savings Program
Save 5%* on all funeral or cremation products and services; and cemetery interment rights,
products and services through a Dignity Memorial provider.
Savings apply to prearranged services or services at time of need.
Dignity Planning® Final Arrangement Planning
The Dignity Planning program allows members to create, store, update and communicate their final
arrangements online from the comfort and privacy of their own home while making informed choices
based on facts, not emotions.
Final Arrangement Planning:
Provides the member and their loved ones peace of mind and spares families from uncertainty
Protects loved ones from having to make critical emotional decisions at a difficult time
Allows loved ones to focus on paying tribute and celebrating a life as the member would wish
them to
Is a responsible decision, similar to estate planning, and is one of the most caring gifts members
can give their loved ones
Dignity Planning includes:
Safe, secure storage of members’ wishes and 24-hour online access to make changes to their
plan
Access for the member to start, build and update their end-of-life plan online
Automatic notification to designated loved one(s) of the member’s plan
A real-time cost estimate, so members know how much funding would be needed today and an
estimate of how much might be needed in the future
When a death occurs, surviving family members make only one phone call to ensure the
members wishes are carried out as intended
The ability for a member to share the opportunity with other family members
The Dignity Planning tool is a product of the Dignity Memorial® provider network. Dignity
Memorial providers are the responsible choice for hundreds of thousands of individuals every
year. Through more than 1,800 funeral homes and cemeteries, they offer more options, so
families can celebrate a loved one’s life in the most fitting way possible.
5% savings on funeral or cremation products and services; and cemetery interment rights,
products and services through a Dignity Memorial provider. Savings apply to prearranged
services or services at time of need.
*Where available by law. 5% savings is not available in Tennessee or for profit organizations in New York nor
does it apply to cash advance items. Cemetery service is not available in all states. On already discounted
Dignity Memorial plans, member is entitled to the greater of the two discounts.
With a membership, Dignity Planning is a free, no obligation tool offered by the Dignity Memorial network of
funeral and cremation providers to create members’ end-of-life wishes and is not a pre-need funeral or
cremation contract. Dignity Planning is not a provider of funeral goods or services; members’ end-of-life
wishes will be fulfilled by the licensed provider of their choosing.
Page 46
ADVANCE MEDICAL
Expert Medical Opinion: Advance Medical
When faced with a medical condition or course of treatment, it can be difficult to understand all of
the factors needed to make an important decision. Expert Medical Opinion can provide guidance,
comfort and clarity whenever members need help understanding their care options.
Expert Medical Opinion provides independent information and advice of medical thought-leaders
who can help members and their doctor determine the best course of treatment for a particular
situation. Members will work directly with a Physician Case Manager, a doctor who is an advisor
and an advocate that will help guide them through the process.
Expert Medical Opinion will provide a complete medical report, including:
Patient’s medical history
Opinions of the consulting experts
Pertinent medical journal references
Résumé for each of the expert specialists involved
Expert Medical Opinion is open to all conditions, but advisable for:
Surgical intervention
Rare conditions
Undiagnosed conditions
Pain disorders
Cancer
Expensive or risky
procedures
HEALTH CARE ASSISTANCE
ADVM.01.30.JH.13
Page 47
CARE ADVOCACY
The Care Advocate program from Carenet was specifically designed to help guide members through
the maze of today’s healthcare system. The service provides one-on-one support for the member
and their families as they navigate the healthcare system. The expert staff of healthcare
professionals at Carenet work behind-the-scenes to get results and quick resolution to member
requests. The Care Advocate program enhances the member’s overall healthcare experience and
complements their health plan.
Care Advocates can assist with all of your healthcare questions and concerns, including:
Guidance in the review, comparison and selection of a health plan
Assist in locating physicians and facilities
Make arrangements for diagnostic tests and coordinate a multiple-day testing schedule
Assistance in understanding recommended tests, treatments and prescription medications
Coordinate care for members with complex medical issues
Facilitate the transfer of medical records, x-rays and lab results prior to a scheduled
appointment with any physician
Schedule and book appointments, transportation and lodging
Coordinate transfers between hospitals and other medical facilities
Make arrangements for hospice care for terminally ill patients
Carenet’s Care Advocacy program highlights:
Decision Care – Help with decisions on which treatment choice is best
Special Services Care – Some situations require a little extra help from experts, e.g. locating
homecare, adult day care and rehabilitation services
Expert M.D. Care – Coordination assistance for second opinions
Senior Care – Assistance in choosing proper professional help
Physician Finder Care – Identifying specialty and primary care physicians
Transportation Care – Coordination for transportation services
Alternative Care – Coordination of wellness care assistance, e.g., chiropractic care, massage
and acupuncture therapy
Benefit Education & Assistance – Help educate members on benefits available. Helps
members bring down the cost of the medical bills through negotiations. Review questions
and provide available resources to assist with medical costs.
*
This product is not available in MA.
HEALTH CARE ASSISTANCE
CRNA.01.17.BL.12
Page 48
HEALTH ADVOCATE
Health Advocate, the nation’s leading health advocacy company, helps members and their families
navigate the health care and health insurance systems. Health Advocate offers a range of
comprehensive services to help members with clinical and administrative issues involving their
medical, hospital, dental, pharmacy and other healthcare needs saving members time, money and
worry.
How Health Advocate Works:
Simply call the toll-free number, and the member will be assigned to their own Personal Health
Advocate (PHA), typically a registered nurse, supported by a team of medical directors and
administrative experts, who will assist the member until the issue is resolved. Our team of
healthcare professionals is specially trained to handle each case with the utmost confidentiality. We
follow careful protocols that comply with all governmental privacy standards to ensure that our
members’ medical and personal information is fully protected.
How Health Advocate Helps:
Find the best doctors, hospitals, dentists and other leading healthcare providers anywhere
in the country.
Schedule appointments with providers including hard-to-reach specialists and critical care
providers and arrange for specialized treatments and tests.
Help resolve insurance claims and assist with negotiating billing and payment
arrangements and related administrative issues.
Assist with eldercare and related healthcare issues facing parents and parents-in-law.
Obtain unbiased health information to help the member make an informed decision.
Work with insurance companies to obtain appropriate approvals for needed services often
fostering communications between physicians and insurance companies.
Answer questions about test results, treatments and medications recommended or
prescribed by the member’s physician.
Assist in the transfer of medical records, x-rays and lab
results
Locate and research the newest treatments for a medical condition
Assist with finding qualified wellness programs, providers and services
Independent. Confidential. Convenient. Health Advocate is not affiliated with any insurance or
third party provider. Health Advocate does not replace health insurance coverage, provide medical
care or recommend treatment.
Please note that this service is unlimited, and there is no charge when a member calls for assistance.
*This product is not available in MA.
HEALTH CARE ASSISTANCE
HLAD.09.04.KH.13
Page 49
OPTUM CARE 24
Members enjoy all services listed below 24 hours per day, 365 days per year.
24-Hour Nurse Access Line
Access to licensed, registered nurses with one toll-free phone number 24 hours per day, 7 days per
week and 365 days per year.
Receive home care recommendations based on more than 600 physician-approved guidelines
Information about prescription and over-the-counter medication usage and drug interactions
Decision support for certain high-cost, high-practice variation health conditions and
diagnoses
Information on a wide range of health and medical concerns, including nutrition and other wellness
topics of interest to you
Audio Health Information Library of more than 1,100 recorded topics of which 550 topics are also
available in Spanish
24-Hour Wellness and Counseling Line
Access to Master’s level counselors with one toll-free phone number 24 hours per day, 7 days per
week and 365 days per year.
In the event of a loss a counselor can make an on-site visit to help members deal with any grievances
or depression.
MyOptumhealth.com, an Internet application to access health and well-being information
Information about more than 72,000 national and community resources
Information on a wide range of wellness, emotional and mental health concerns, including:
Work Life Balance Depression Grief & Loss
Parenting Challenges Addictions Stress & Anxiety
Work-Related Concerns Nutrition Emotional Distress
Child & Elder Care Services Marital Discord Relationship Problems
Professional Legal Services
22,000 attorneys and 3,000 mediators in the United States, Canada, Mexico and Puerto Rico
One free legal consultation per issue by telephone
Discounts of 10% to 25% off fees for many other common legal services and in-person consultations
Valuable information on civil and consumer issues, marriage and family matters, real estate, IRS and
tax matters, wills and estate planning, adoption and more
Legal referral available to thousands of attorneys nationwide
Certified Financial Planning
Free telephone consultation with Certified Financial Planners
Free initial financial plans
Other available services include advice and consultation on debt reduction, tax planning, investments,
retirement planning and more
Management Consulting
Group Members receive free telephone advice with experienced senior managers on human resource
management issues including:
Employee absenteeism Marriage and family issues
Performance issues Harassments and other matters affecting
Drug and alcohol abuse performance at work
Emotional problems
HEALTH CARE ASSISTANCE
CR24.01.03.BL.13
Page 50
CHOOSEHEALTHY — FITNESS ONLY
With the ChooseHealthy® program, you have access to a wide variety of fitness facilities, as well as
health and wellness
products.
With your fitness program, you can:
Access more than 12,000 fitness clubs and exercise centers nationwide.
Receive a minimum 10% discount off initiation and/or monthly dues (may apply to new
health club members only).
Try a participating facility for a free one-week trial membership or one free introductory
session prior to joining.
Receive discounts on a wide variety of health and wellness products including vitamins,
minerals, herbal supplements, homeopathic remedies, sports nutrition products, health-
related books and DVDs, fitness products and skin care items, with free shipping on most
items.
Please note that this is a discount program; it is not insurance.
ChooseHealthy is a federally registered trademark of American Specialty Health Incorporated and
use with permission herein.
HEALTH CLUB NETWORK
ASHF.08.16.JH.13
Page 51
HEALTHWAYS WHOLEHEALTH NETWORK
Members have access to a wide variety of fitness and exercise facilities through American Whole
Health Network.
With the Fitness Program, members can:
Access more than 5,000 fitness clubs and exercise centers nationwide.
Receive a discount of 10% to 50% on initiation fee and/or monthly dues
Access to Wellness Practitioners such as:
Personal Trainers
Yoga Instructors
Pilates Instructors
Ta Chi Instructors
Qi Gong Instructors
Receive instant discounts off health club memberships
HEALTH CLUB NETWORK
WHFB.01.29.BL.09
Page 52
HEARPO
We are pleased to provide a hearing care discount plan that makes hearing-aid services accessible
as well as affordable. HearPO is one of the largest providers of hearing health care benefits in the
United States offering members a variety of hearing aids and services through a simple three-step
process. As a member, you have access to discounts on hearing care services and products at over
3,200 locations throughout the nation. We offer a Lowest Price Guarantee*; should you find a lower
price at another local provider; we will
gladly beat that price by 5%.
Key Features of HearPO:
40% Discount on diagnostic services including hearing exams.
Lowest Price Guarantee*: If you should find a lower price at another local provider, we’ll
gladly beat that price by 5%.
Financing Options with up to 12-months NO INTEREST
60-day no risk trial period: If you are not satisfied, return your hearing aids within the trial
period for a 100% refund.
1-year follow-up care which includes cleaning, adjustment and other hearing aid services
3-year Warranty—one of the longest you’ll find anywhere– on most hearing aids, covering
repairs, loss and damage**
1 year of free batteries (80 cell per hearing aid)
Discounts on batteries mailed directly to your home.
Over a 90% customer satisfaction for over a decade!
*Competitor coupon required for verification of price and model. Limited to manufacturers offered
through the HearPO program. Local Provider quotes only will be matched.
**Some exclusions
apply.
Limited to one time claim for loss and damage.
HEARING
HRPO.9.25.KH.13
Page 53
MIRACLEEAR
Provider Network: Over 1,000 locations
Discount range: 20% off retail price of hearing aids
Key Features of Miracle Ear:
20% discount off the retail price of hearing aids.
Comprehensive hearing test and evaluation – No charge*
Real ear measurement analysis – No charge*
Video otoscopic examination – No charge*
Unlimited office visits for counseling and adjustments
Annual check-up and cleaning of instruments
1-3 year warranty on all new hearing instruments purchases. (Length of warranty specific to
instrument technology)
20% discount off repair costs of any brand of hearing aid previously purchased that is out of
warranty
* Hearing test and video otoscopic inspection are always free. Hearing test is an audiometric test to
determine proper amplification needs only. These are not medical exams or diagnoses, nor are they
intended to replace a physician’s care. If you suspect a medical problem, please seek treatment from
your doctor.
HEARING
MRCL.10.22.WB.08
Page 54
NEWPORT AUDIOLOGY
For years hearing loss was considered only a disease of the aging population. Research has proven
that hearing problems can affect anyone at any age, regardless of his or her background or
occupation. Hearing loss most often occurs at such a gradual rate that individuals are not aware of
its severity until they are in the latter stages of hearing loss. It is then that they begin to seek help.
Careington members have access to hearing aid discounts from 15% to 35% at 2,000 Newport
Audiology network providers nationwide. Newport Audiology Centers also offer the latest
technology for hearing aids and accessories as well as wireless capabilities for television and cellular
devices.
Members will also receive additional services at no extra charge: (Valued at over $1,000)
Free initial audiology screening (valued at $119)
Two-year supply of batteries per instrument (valued at $98 )
Two-year manufacturer’s warranty including loss or damage (valued at $350)
Unlimited follow-up visits (valued at $439 assuming a minimum of 6 visits)
100% service satisfaction guarantee
HEARING
NHAN.12.06.JH.12
Page 55
UNITED MARKETING GROUP
Car Rental Discounts
Members receive a 5-20% discount on car rentals at the following locations:
Hertz
Avis
National Car Rental
Budget
Alamo
Limitations/Exclusions: Discount applies to rate only, not to any additional charges, insurance options, or any
special pre-discounted rates unless otherwise specified. Participating locations only. May not apply to all car
classes. The renter is responsible for gasoline consumed.
Hotel Discounts
Members receive a 10-20% discount on hotels at over 7,400 locations:
Baymont Inn & Suites
Days Inn
Hawthorne Suites
Howard Johnson
Knights Inn
Microtel Inns & Suites
Super 8
Ramada Inn
Travelodge
Wingate
Wyndham Garden
Wyndham Grand Collection
Wyndham
Limitations/Exclusions: Discount applies to rate only, not to any additional charges. Advance reservations
required. Blackout dates may apply. Discounts cannot be used with other programs.
HOTEL & CAR RENTAL
UMGC.01.15.BL.13
Page 56
ID EXPERTS — RESTORATION
ID Experts is a fully managed identity theft restoration service that provides the complete coverage
that identity theft victims expect and need. The ID Experts team includes experts in every aspect of
identity theft, protection, restoration and data breach response management. ID Experts have a
100% record of success in completely restoring identity theft victims to pre-theft status.
Services of ID Experts Include:
Fully Managed Identity Theft Restoration
Certified Identity Restoration Experts
One Year of FREE Credit Monitoring for Victims
Free ID Theft Restoration for Data Breach Victims
Online Education
Document Recovery Assistance
After an identity theft is reported:
A personal recovery expert will start the recovery process within one business day and continue on
the case until recovery is complete. The expert does a thorough assessment to determine the extent
of damage and then works with all agencies and organizations involved to fully restore the victim’s
identity to pre-theft status. After restoring an identity to pre-theft status, ID Experts will keep the
case on file for 36 months and re-open it if another incident stems from the original event.
IDENTITY THEFT
IDXP.06.23.BL.10
Page 57
ID RESOLUTION
ID Resolution, LLC helps victims overcome problems of identity fraud and assists members in
effectively managing their identities. ID Resolution’s outstanding customer service makes
monitoring and restoring your identity as easy as possible. Contemporary identity management is
complex, but their comprehensive program addresses a wide variety of scenarios. ID Resolution
uses this program to constantly develop new services in order to meet the challenge of this evolving
worldwide problem.
Fraud Resolution (core service)
ID Resolution works on behalf of the member to fully resolve any form of identity-related fraud or
suspected fraud. This service extends to immediate family members, and members are given a case
manager that works with individuals on a personal level. Members will have unlimited access to
personal fraud specialist as well as access to monitoring products.
Home & Auto Invasion Claims Enhancement
If a member has the unfortunate experience of a home or automobile break-in, they are vulnerable
to identity-related fraud as a consequence of stolen documents and information. ID Resolution
provides defensive measures for identity and provides members with proactive monitoring
products.
Catastrophe Document Response
Catastrophic losses, whether by fire, hurricane, tornado, earthquake, flood, or acts of terrorism, are
devastating. The arduous and painful process of rebuilding is virtually impossible without sensitive
documentation. ID Resolution helps members replace or reissue sensitive documentation,
communications hub with friends and family, and provides protection against potential fraud.
Relocation of Residences
The risk of identity theft increases during relocation, permanently or seasonally. ID Resolution
provides tip sheets, mail-forwarding assistance and Identity Wellness Checkup after the move. They
can also help replace important documents that get lost in the move.
Identity Travel Response
Complications of lost documents are bad enough in the U.S., but a traveler in a foreign locale who
has lost their passport, airline ticket and cash can be overwhelmed. ID Resolution providers case file
fraud management and proactive action. They can also serve as a communications hub for friends,
family, employer, and be the point of contact with government agencies.
ID Resolutions also offers services to assist with the following issues:
Surviving Spousal Services
Deployed Military Personnel
Infant & Minor Identity Risk Mitigation
Marriage and Divorce
IDENTITY THEFT
IDRS.01.22.BL.13
Page 58
INFOARMOR — MONITORING AND RESTORATION
Identity theft affects millions of Americans each year and is the fastest growing crime in America. As
a leader in the identity monitoring industry, InfoArmor will proactively defend what matters most…
members and their family!*
The InfoArmor team includes privacy advocates who are certified and trained to be experts in
identity theft restoration. If suspicious activity is detected, a privacy advocate will contact the
member by phone and operate as a dedicated case manager from start to case completion.
PrivacyArmor Services Include:
Solicitation Opt Outs: Allows members to manage and reduce unwanted solicitations,
preapproved credit card offers and junk mail to limit exposure of personal information.
SNAPD Monitoring: Searches and monitors past credit history, as well as real-time identity
fraud or threats. Detects misuse up to 90 days sooner than credit-based solutions.
Privacy Advocate Restoration: If the member’s identity is compromised, trained experts
will contact by phone to discuss the suspicious activity on their account and work to
completely restore member’s identity.
Out-of-Pocket Expense: $25,000 identity fraud reimbursement policy to protect against out
-of-pocket expenses associated with identity theft.
*The membership plan includes the primary enrollment member plus up to four additional family
members living in the household.
IDENTITY THEFT
IAIT.08.22.KH.13
Page 59
TRAVEL GUARD — ASSISTANCE
As a member, you have access to Travel Guard’s identity theft specialists who are available to
respond to your emergency care needs when your personal identity has been compromised. Travel
Guard’s identity theft specialists will provide expert assistance to help guide you through the
process of restoring your identity profiles and credit records.
The Travel Guard Identity Theft Specialists will:
Assist identity theft victims by ordering and reviewing credit bureau records on their behalf
Investigate financial accounts where identity theft is suspected
Interact with law enforcement to pursue prosecution of criminals
Review account activity to identity any suspicious activities
Resolve and review victim’s issues
Identity Theft services are not available in New York.
IDENTITY THEFT
TIDT.12.05.BL.09
Page 60
GALAXY HEALTH NETWORK
Through an exclusive partnership with One Call Medical (OCM), Galaxy Health Network (GHN) can
offer significant discounts to members for advanced diagnostic imaging procedures limited to
Magnetic Resonance Imaging (MRI), Computed Tomography (CT) scans and Positron Emission
Tomography (PET) scans only.
Benefit Highlights:
Save 40% to 75%* on the usual costs for MRI, CT and PET scans
Largest panel of high-quality radiologists and imaging specialists with over 3,200 outpatient
radiology facilities throughout the United States
Providers undergo a rigorous credentialing and peer review process for radiology quality.
Multilingual call center including English and Spanish. For all other languages, the language
line services will be available at no cost to the member.
Actual Member Savings*
*Savings may vary based on geographic location, provider selected and procedure performed.
This product is not available in HI, MA, MT, ND, SD, and WV..
IMAGING
GXIN.08.25.DH.11
Procedure
CPT
Code
Provider
Fee
Member
Paid
Member
Savings
% of Prov
Fee
State of
Service
CT scan: maxillofacial area 70486 $882.08 $445.00 $437.08 49.55% KY
CT scan: pelvis 72193 $1,039.14 $458.71 $580.43 55.86% TX
MRI: spinal canal and con-
tents, lumbar
72148 $1,737.45 $545.00 $1,192.45 68.63% AZ
MRI: spinal canal and con-
tents, cervical
72141 $2,002.44 $520.00 $1,482.44 74.03% CA
MRI: spinal canal and con-
tents, lumbar
72148 $2,068.28 $505.00 $1,563.28 75.58% NJ
Page 61
DIAGNOSTIC BENEFIT MANAGEMENT
Diagnostic Benefit Management (DBM) is a national diagnostic imaging network and scheduling/
referral service. DBM offers members a way to control health costs for diagnostic services such as
MRI, CT and PET Scans. They are one of the largest, most recognized discount radiology programs
that provide members savings from 35% to 60% at over 3,900 outpatient radiology facilities.
DBM’s Services Include:
Scheduling procedures in a facility that is convenient to member
Providing member with directions to the facility
Notifying the physician of time and date of test
Reminding member the night before testing is scheduled through a phone call
Working with the member’s physician to ensure results are received in a timely manner
Sample Savings*
*Savings will vary based on geographic location, provider selected and procedure performed.
This product is not available in AK, HI, MA, VT, and WY.
IMAGING
DBMN.06.30.DH.10
State
Basic MRI Average
Cost (any body part)
Cost Using DBM
Network
Total Savings
California $3,084 $550 $2,534
Florida $1,656 $600 $1,056
Illinois (North) $1,885 $750 $1,135
Indiana $1,834 $880 $954
Missouri $1,846 $875 $971
Nevada (South) $1,855 $800 $1,055
Tennessee $1,590 $800 $790
New York $2,165 $650 $1,515
Texas $2,247 $750 $1,497
Page 62
US IMAGING
US Imaging is a premier diagnostic scheduling service that provides Careington members with
savings from 10% to 60% on advanced imaging procedures at over 2,400 radiology facilities
nationwide. This program was specially designed to reduce out-of-pocket costs on MRI, CT and PET
scans.
US Imaging Service Includes:
VIP appointment scheduling within 48 hours
Preferred after hours and weekend appointments often available
Appointment reminder call and email with directions to the facility
Access to a high-quality, fully-credentialed facilities
*Not all locations may accept orders from other countries. Please notify scheduling specialist
in advance so they can verify if participating providers will accept such orders.
This product is not available in HI, VT and WY.
IMAGING
USIN.07.09.DH.11
Page 63
DIRECT
LABS
A simple blood test is necessary for the prevention or early detection of diseases. The earlier a
problem is identified, the easier and more likely it is to be treated. DirectLabs (DLS) is the leader in
direct access laboratory testing. DLS offers a wide variety of important health and wellness blood
chemistry tests at discounted prices, saving members 10% to 80% off regular retail pricing at over
3,000 certified labs nationwide*.
Take charge of your health and wellness and order today! No doctor’s visit required.
*Not available in HI, MD, NY, NJ, RI or MA.
**ND, SD, and VT offer Specialty Lab testing only.
LABS
DLAO.03.01.JH.13
Page 64
DIRECTLABS — CARDIO PLUS PROFILE
A simple blood test is necessary for the prevention or early detection of diseases. The earlier a
problem is identified, the easier and more likely it is to be treated. DirectLabs (DLS) is the leader in
direct access laboratory testing. DLS offers a wide variety of important health and wellness blood
chemistry tests at discounted prices, saving members 10% to 80% off regular retail pricing at over
3,000 certified labs nationwide*.
Members will also receive One FREE CardioPlus Profile per year** – Valued at $280 – a great
annual baseline test for an overall view of your health. Heart health means whole-system health.
The CardioPlus Profile consists of 27 important tests including:
Diabetes
Kidney
Fluids and Electrolytes
Minerals and Bone
Liver and Lipids
And more…
**Not available in HI, MD, or MA.
**ND, SD, and VT offer Specialty Lab testing only.
**Member only plan includes one free CardioPlus annual lab test. For member plus +1 plan,
includes one free CardioPlus annual lab test for member and one additional CardioPlus
annual lab test for a family member.
LABS
DLCB.12.27.JH.12
Page 65
DIRECT LABS—COMPREHENSIVE WELLNESS PROFILE
A simple blood test is necessary for the prevention or early detection of diseases. The earlier a
problem is identified, the easier and more likely it is to be treated. DirectLabs (DLS) is the leader in
direct access laboratory testing. DLS offers a wide variety of important health and wellness blood
chemistry tests at discounted prices, saving members 10% to 80% off regular retail pricing at over
3,000 certified labs nationwide*.
Members will also receive One FREE Comprehensive Wellness Profile (CWP) per year** –
Valued at over $500! A doctor’s visit is not required to schedule a test.
The CWP is a panel of over 50 different tests that offers a broad overview of the member’s overall
health. This test gives members results on all major organs of the body and should be part of the
annual “wellness” check-up:
Complete Blood Count (CBC) Lipid Profile
Kidney Panel Minerals and Bone
Liver Profile Thyroid Profile w/TSH
And more…
And more…
*Not available in HI, MA, or MD.
**ND, SD, and VT offer Specialty Lab testing only.
**Member only plan includes one free Comprehensive annual lab test. For member plus +1
plan, includes one free Comprehensive annual lab test for member and one additional
Comprehensive annual lab test for a family member.
LABS
DLCA.07.31.BL.13
Page 66
GALAXY HEALTH NETWORK
Through an exclusive partnership, Galaxy Health Network (GHN) now offers medical lab tests which
provide a convenient, confidential and affordable way for members to take control of health care
costs. Some medical conditions can go years without being detected. Blood tests are a simple way
to detect potential health problems before symptoms occur.
A simple blood test is necessary for prevention or early detection of disease and could save your
life. This lab program provides savings from 10% to 80% off regular retail pricing on blood tests
available at over 3,000 Clinical Laboratory Certified Labs nationwide. Members will have direct
access to major clinical labs which can detect medical conditions such as heart disease, prostate
cancer, diabetes, thyroid disease, pregnancy and more.
This product is not available in New York, New Jersey, Massachusetts and Rhode Island.
LABS
GXLN.05.14.DH.10
Page 67
LIFE LINE SCREENING (WHOLESALE)
LLS is the leading international provider of community-based preventive health screenings. LLS
provides affordable, convenient, high-quality screenings that are essential to the early detection of
risk for stroke, heart disease, diabetes, osteoporosis and other conditions. These prevalent, serious
conditions generally do not present symptoms until they are well-established and causing
significant health problems. Fortunately, these conditions can be detected by quick, painless, non-
invasive tests utilizing ultrasound and other methods.
Plan Description: Careington members get a FREE package of preventative tests that are
listed below, which include testing the Carotid Artery, Abdominal Aortic Aneurysm, Atrial
Fibrillation, Peripheral Arterial Disease, Osteoporosis and a Health Risk Assessment. Please
visit the website listed below to see the other screening packages that offer discounted prices to
members.
Carotid Artery: Stroke is the fourth leading cause of death and the number one cause of disability in the U.S.
Over 80% of strokes are preventable if diagnosed early, even though four out of five strokes do not have
symptoms. LLS uses Doppler color-flow ultrasound to create images of the left and right carotid arteries and
measures the blood flow within them. The screening is searching for plaque that may block the blood flow to
the brain. Clots and plaque build-up cause 87% of strokes.
Abdominal Aortic Aneurysm: AAA occurs when the large blood vessel that supplies blood to the lower part
of the body enlarges or balloons which may cause a rupture. This is the tenth leading cause of death for men
over age 55 with a 90% mortality rate. 30% to 50% of AAAs result in death before the victim reaches the
hospital. Ultrasound technology is used to measure the size of the abdominal aorta to detect the
development of this condition early.
Atrial Fibrillation: AF is the most common type of heart arrhythmia. The heart’s upper chambers beat
irregularly, and blood is not pushed completely out of the heart which can cause a stroke. 15% to 20%
percent of all strokes are caused by AF. An ECG or EKG (electrocardiogram) using electrodes placed on the
wrists and ankles is used to screen for the presence of AF.
Peripheral Arterial Disease: PAD, also known as “hardening of the arteries,” affects about 8 million
Americans. PAD occurs when the large and medium-sized arteries supplying blood to the legs become
narrow or clogged, constricting the flow of blood. People with PAD have a two to six-fold increased risk of
death from heart attack and stroke. Screening consists of measuring the systolic blood pressures in the arms
and ankles to calculate the Ankle Brachial Index (ABI) for each side.
Osteoporosis: This is a serious condition when the bones become weak, increasing the risk of falling and
fractures. In the U.S., ten million individuals have osteoporosis and nearly 34 million are at risk of developing
the condition. Osteoporosis screening consists of a quantitative ultrasound measurement of the heel bone to
estimate bone mineral density.
Health Risk Assessments: Biometrics (blood pressure, lipid panel, fasting glucose, BMI and waist
circumference) and medical history questions are run through a proprietary algorithm to calculate risk level for
six major chronic diseases: heart disease, heart failure, stroke, diabetes type 2, COPD and lung cancer. A
personalized report is prepared identifying modifiable and non-modifiable risk factors and follow-up action
items.
*None of the services are available in AK or HI, and blood screenings are not available in MD, NV or RI.
LABS
LLSP.06.04.BL.12
Page 68
LIFE LINE SCREENING (DISCOUNT)
LLS is the leading international provider of community-based preventive health screenings. LLS
provides affordable, convenient, high-quality screenings that are essential to the early detection of
risk for stroke, heart disease, diabetes, osteoporosis and other conditions. These prevalent, serious
conditions generally do not present symptoms until they are well-established and causing
significant health problems. Fortunately, these conditions can be detected by quick, painless non-
invasive tests utilizing ultrasound and other methods. LLS believes that preventive screenings and
health promotion programs are the basic foundation to wellness and can improve an individual’s
quality of life while reducing overall health care costs.
Plan Description: Careington customers may select screenings to be obtained from Life Line
Screening, and the customer will be responsible for paying LLS for the screenings selected in
advance of receiving said screenings.
Screening Packages
6 for Life Health Assessment Package: Savings of $29
Disease risk assessment for 6 chronic conditions which includes cholesterol panel blood test, glucose
blood test, blood pressure, Body Mass Index and waist circumference.
6 for Life Health Assessment Package PLUS: Savings of $49
Disease risk assessment for 6 chronic conditions PLUS your choice of one signature ultrasound
screening service (Carotid artery, Atrial Fibrillation, Peripheral Arterial Disease, Abdominal Aortic
Aneurysm)
Comprehensive Wellness Package: Savings of $80
Carotid artery, Atrial fibrillation and Peripheral Arterial Disease
Ultrasound Trio Package: Savings of $80
Carotid artery, Abdominal Aortic Aneurysm, Peripheral Arterial Disease
Total Wellness Package: Savings of $130
Carotid artery, Atrial fibrillation, Peripheral Arterial Disease, Abdominal Aortic Aneurysm
Signature Wellness: Savings of $80
Disease risk assessment, Carotid artery, Peripheral Arterial Disease
Heart Disease and Diabetes Risk Package: Savings of $50
Peripheral Arterial Disease and 3 blood tests (lipid panel, hemoglobin A1c, hs-CRP)
Under 50 Wellness Package: Savings of $70
Disease risk assessment, Peripheral Arterial Disease, 2 blood tests (hs-CRP, hemoglobin A1c)
Ultimate 6 Screening Package: Savings of $39
Disease risk assessment PLUS Carotid artery, Atrial fibrillation, Peripheral Arterial Disease, Abdominal
Aortic Aneurysm and Osteoporosis
Life Line also offers self-administered tests for colon cancer and PSA, finger-stick blood tests for thyroid and
liver function as well as a Disease Prevention Scorecard which combines biometric screening information and
risk factors to predict the risk of developing any of 6 major chronic conditions in the next 5 years. The
conditions are coronary heart disease, stroke, congestive heart failure, type 2 diabetes, chronic obstructive
pulmonary disease and lung cancer.
*None of the services are available in AK or HI, and blood screenings are not available in MD, NV or RI.
LABS
LLSD.02.22.BL.13
Page 69
LEGAL ACCESS PLANS — FAMILY LEGAL PROTECTION PLAN
Legal Access Plans provides members and their families access to a nationwide network of over
17,000 attorneys who have contracted with Legal Access Plans to provide free and discounted legal
services.
This program provides initial face-to-face or phone consultations with licensed attorneys who will
help analyze legal problems, point out options and recommend a course of action. Network
attorneys are specially selected, licensed in the state in which they practice and must comply with all
rules and ethical codes in effect. They must meet Legal Access’ strict credentialing and experience
requirements.
Four Great Ways to Save:
1. No Cost Services
2. Exclusive Flat Fee Services*
3. Low Hourly Plan Rate Discount Services
4. Discounted Contingency Fees
No Cost Basic Services Including:
Free Simple Will with free annual updates
Free Living Will substitution for Free Simple Will
One-on-one consultations for new legal matters
Unlimited phone consultations (for each new legal matter)
Assistance in solving your problems with government programs
Helpful advice on representing yourself in small claims court
Attorney review of legal documents (six page maximum) per new matter
Exclusive Flat Fee Services:
1. Traffic Ticket Defense $89.00
2. Bankruptcy Chapter 7 $750.00
3. Name Change $155.00
4. Will with Minor Trust $170.00
5. Divorce (Simple) $210.00
Additional Assistance in other legal matters, such as:
Family Law
Consumer Contract Law
Government Matters
Personal Housing and Real Estate Matters
Estate Planning
Auto-Related Matters Criminal Matters
If your matter does not fit into the specific plan definitions for these matters, the special plan hourly
rate will apply.
LEGAL
LAPN.07.20.BL.10
Page 70
LEGAL CLUB OF AMERICA — LEGAL REFFERRAL PROGRAM
Members and their families will have access to a nationwide network of over 20,000 plan attorneys to provide
members with discounted legal services. Upon contacting our Member Service department, you will be referred to a
plan attorney based on language, area of law and location.
INCLUDED SERVICES:
1. Initial phone consultation for each new legal matter (no time limit)
2. Initial face-to-face consultation for each new legal matter (no time limit)
3. Review of independent legal documents (6 page maximum per document with no limit to the number of new
independent documents)
4. Plan attorneys will prepare a simple will for members and their families, as well as update the will annually.
5. A state-specific web-based Living Will form is available to members. This form can be taken to a Notary
Public.
6. Plan attorneys will help members represent themselves in small claims court.
7. Assistance in solving problems with government programs, such as INS and welfare.
8. When deemed appropriate by your plan attorney, he or she will write letters on member’s behalf. (One letter
per legal matter with no limit on the number of legal matters.)
9. When deemed appropriate by your plan attorney, he or she will make phone calls on member’s behalf. (One
phone call per legal matter with no limit on the number of legal matters.)
In certain situations, attorney liability may require plan attorneys to ask for a retainer from the member prior to
providing some of the free legal services.
GUARANTEED DISCOUNT SERVICES:
The following are commonly used legal services for which plan attorneys have agreed to charge a one-time,
discounted fee:
Legal Service Member Rate Non-Member Rate
Traffic Ticket Defense $89.00 $199.00
Name Change $155.00 $365.00
Simple Will with Minors Trust $250.00 $530.00
Chapter 7 Bankruptcy $750.00 $1,500.00
Non-Support (Spouse/Child) $275.00 $1,490.00
Simple Divorce $275.00 $1,100.00
Regular Incorporation $295.00 $585.00
Personal Real Estate Closing $250.00 $675.00
GUARANTEED LOW HOURLY RATE:
Plan attorneys have contracted to charge no more than $125.00 per hour, or 40% off their usual and customary hourly
rate, whichever is greater, for legal care that goes beyond the included and discounted services listed above. After the
included letters, calls and consultations take place, members and their attorneys will decide what course of action to
take next.
RETAINERS:
In the case of extended legal care, plan attorneys may ask you for a retainer. Any retainer sought will be computed by
multiplying the number of hours a plan attorney believes a case will take, by the appropriate discounted hourly plan
rate. For instance, 10 hours X $125.00 = a retainer of $1,250.00. Any unused portion of the retainer will be returned
to the member.
*The fees listed above do not include additional filing fees, costs or administrative expenses. Specific definitions apply. They are
only for legal services rendered. Available for legal dependents up to age 25.
LEGAL
LGCA.02.25.JH.13
Page 71
ROCKET LAWYER — EASY WILL
Without a will, the government can decide what happens to children and assets if something tragic
were to happen. Rocket Lawyer can help members make their wishes known and reduce the burden
on their family during a difficult time.
Rocket Lawyer’s easy online service enables members to automatically create legal documents by
answering a few simple questions. Documents are securely stored online so they can be accessed
and updated at any time.
Careington members are able to create three free legal documents, including a last will,
power of attorney and a healthcare directive.
Last will: Decide how your assets, property and the care of your children will be handled after
your death.
Power of attorney: Select a person you trust to handle financial and legal matters on your
behalf when you cannot do so yourself.
Healthcare directive: State your healthcare wishes and appoints someone to make decisions
if you are medically unable to do so.
Members can upgrade their membership to the Complete Family Legal Plan and access
Rocket Lawyer’s full suite of services at 20% off the regular price.
Upgraded members will receive the following services:
Quick Answers: Type in a legal question and an attorney will respond within 24 hours.*
Free Initial Consultations: Have a local attorney review legal documents or ask questions
about any personal legal matter.*
Savings: Get connected with a local attorney. Save thousands of dollars with pre-negotiated
hourly rates.*
Personal Legal Documents: Members can create any personal legal document Rocket Lawyer
has to offer, including living trust documents, promissory notes, real estate documents and
more.
* Subject to Rocket Lawyer On Call™ terms and conditions.
LEGAL
RCLF.03.28.JH.13
Page 72
ROCKET LAWYER — FAMILY LEGAL PLAN
Everyone faces legal issues sometimes, whether it’s writing a Will, fighting a traffic violation or
dealing with a difficult neighbor. As a member, your Rocket Lawyer legal plan will provide the help
needed to handle any legal situation – easy-to-complete legal documents, quick answers to legal
questions, free initial consultations from local attorneys and pre-negotiated discounted rates on
legal fees.*
Rocket Lawyer’s easy online service enables members to automatically create legal documents by
answering a few simple questions. Members can create a will, power of attorney, promissory note,
prenuptial agreement and more. The documents are securely stored online so they can be accessed
and updated at any time.
Rocket Lawyer can help with these legal matters and more:
Family matters
Getting married
Adopting a child
Filing for divorce
Collecting child support or alimony
Wills and estate planning
Creating a last will and testament
Protecting assets with a trust
Getting power of attorney for a parent
Making an advance care directive
Taxes and other financial matters
Responding to the IRS
Lending money to a friend or relative
Dealing with identify theft
Real estate
Buying, selling or refinancing a home
Handling a difficult neighbor or landlord
Getting help with a foreclosure
Other matters
Fighting traffic tickets or accident claims
Being accused of a crime
Defending yourself in a lawsuit
Receiving compensation for an injury
Applying for citizenship
* Subject to Rocket Lawyer On Call™ terms and conditions.
LEGAL
RCLP.03.28.JH.13
Page 73
HEALTHCARE SYNERGIES
With HealthCare Synergies, members can save from 5% to 30%* off the normal fees for services
ranging from home health care, hospice care and many more. HSI has developed the nation’s
largest privately owned long term care network, comprised of more than 5,000 providers. There are
many decisions regarding long term care that can be difficult to make, and HealthCare Synergies
provides access to high quality medical providers at a reduced price.
HSI’s extensive network includes:
Home Health Care Home Health Aides
Homemaker Services Hospice Care
Facility Based Services Respite Care
Skilled Nursing Facilities Durable Medical Equipment
Assisted Living Facilities Alzheimer and other Specialty Care Services
Physical and Occupational Therapies
HSI carefully screens all prospective providers. The provider network continues to expand to meet
the needs of our clients. Only those providers who meet our high standards are eligible to be
included in the network. Before a provider is accepted into our network, we analyze and review
data regarding licensure, general liability insurance coverage, service capabilities and quality
management standards.
Key Features of HSI:
Full eligibility regardless of age or medical condition
No length of stay requirements to receive contracted rates
Simply select an in-network provider, show your Careington membership card and the
provider will contact HSI to obtain the proper negotiated rate
You will receive a bill with the proper contracted pricing and/or explanation of how the
contracted rate was calculated
You pay the contracted rate within 30 days of the billing date
*Savings are based on a percentage off normal fees and may vary by geographic location.
**This product is not available in MA.
You cannot receive a negotiated rate from a Network provider from whom you are already receiving
services at the time you become a member or that you are receiving services covered by Medicare,
Medicaid or workers compensation. Some exclusions may also apply for services covered by other
health insurance plans.
LONG TERM CARE
HIS.12.29.BL.08
Page 74
CARENET
Carenet’s Nurse Line provides access to experienced, compassionate nurses available anytime to
answer questions, assess symptoms and provide care recommendations. Staffed by highly skilled,
registered nurses, Carenet’s Nurse Advice team is available 24/7 to assist with members’ health
concerns.
With nurse triage, members are directed to a facility close to them, saving time and money.
Receiving advice from these registered nurses reduces claims and costs, relieves stress and increases
productivity.
Carenet’s Nurse Line services include:
Symptom assessment and phone triage
Urgent and non-urgent care advice
Drug and medication information
Recommendations or condition explanations
Carenet provides deaf and foreign language services through the use of TDD and a language line
service. This service can be accessed by members 24/7 including holidays.
Carenet members have access to a pre-recorded health information library consisting of over 1,100
various topics including*:
Aging Health Quizzes Alcohol Problems
Hearing Allergies HIV / AIDS
Arthritis Hormonal Disorders Back & Neck Problems
Infectious Disease Blood and Circulatory Problems Medication
Bones, Joints and Muscles Men’s Health Brain & Nervous System
Mental and Emotional Health Cancer Neurology
Cardiovascular Health Child Health Development Newborn Care
Nutrition Common Illnesses Parenting & Family Life
Cosmetic Surgery Reconstructive Surgery Personal Safety
Dental Health Pregnancy & Childbirth Diabetes
*There are over 600 audio health library topics available in Spanish.
NURSE LINE — 24 HOUR
CRNT.01.17.BL.12
Page 75
OPTUM NURSE LINE
Key Features of 24-Hour Nurse Line Access:
Immediate access to licensed, registered nurses through one toll-free number 24/7/365
Unlimited home care advice and recommendations based on more than 600 physician-
approved guidelines from registered nurses
Decision support for certain high-cost, high-practice variation health conditions and
diagnoses
Information about prescription usage and over-the-counter medication usage and drug
interaction
Information on a wide range of health and medical concerns including nutrition and wellness
topics
Audio health information library of more than 1,100 recorded topics with more than 550
topics in Spanish
NURSE LINE — 24 HOUR
OPNL.10.18.BL.12
Page 76
PET ASSURE
Pet Assure is a veterinary discount plan designed to give members peace-of-mind knowing they can
better provide for their pet. Pet Assure includes all companion pets (dogs, cats, birds and other pets)
in a household. Pet Assure members will save 25% on veterinary services. ‘
Discounted
Services include:
Surgery • Dental Care
Elective procedures • Office visits
Vaccinations • Hereditary disease care
Hospitalization • Holistic care
X-rays
With Pet Assure, members can also save 10% to 30% at participating providers on pet services and
supplies such as:
Boarding • Treats
Doggy day care • Cages
Food • Grooming
Beds • Vitamins
Training • Toys
Pet sitting
Pet Assure also offers a free pet ID tag and 24/7 lost pet recovery service!
The practice is not required to discount: Products taken home, outsourced service, e.g., blood work
sent to a lab or an outside specialist, non-medical services, e.g., routine grooming, services already
discounted and mileage fees for mobile vets.
PET DISCOUNTS
PETA.01.15.JH.13
Page 77
HEALTH MATTERS INTERNATIONAL — PET MEDS
Health Matters International (HMI) focuses on providing a solution to the rising cost of prescription
medications and other supplies for pets. Members can be assured they are getting safe, quality
products that protect the health and well being of their pets. Ordering is easy; simply go online or
call customer service.
Key features:
20% to 70% savings on retail prices
Everyone is accepted.
Popular name brand items
Medications from FDA approved sources
30- to 90-day supply of medication delivered to your door
Pet Med Sample Pricing*
*Above estimates do not include the cost of shipping.
PET DISCOUNTS
HMIP.08.25.DH.10
Medication Amount Price
Advantix Dogs 11-20 lbs. 6 pack $64.50
Advantix Dogs 21-55 lbs. 6 pack $67.73
Advantix Dogs 50+ lbs. 6 pack $69.32
Frontline Spray 250ml $29.51
Revolution Dog/Cats 10-20 lbs. 6 pack $62.80
Revolution Dog/Cats 20-40 lbs. 6 pack $66.44
Revolution Dog/Cats 40-85 lbs. 6 pack $69.16
Revolution Dog/Cats 5-15 lb. Cat 6 pack $64.99
Stromectol 3 mg 20 tablets $102.30
Page 78
HEALTHCARE NETWORKS OF AMERICA (HNA)
Provider Network: 3,500
Discount Range: 50% discount on the provider’s normal exam fee
20% discount on the provider’s normal fee for all other services and products
The Podiatry Plan provides consumers with the opportunity to receive savings on top-quality
services from America’s leading podiatric physicians through the American Footcare Network, a
division of Healthcare Networks of America, LLC.
The podiatric physicians offered to our members are trained to meet patient foot and ankle care
needs at reduced rates. Providers agree to the quality and pricing standards established for the
program. Membership in the Podiatry Plan entitles members to a 50% savings on the provider’s fee
for the initial exam and 20% savings on fees for all other services and products.
Key Features of HNA Podiatry Network*:
Top quality, discounted services from America’s leading podiatric physicians.
Initial exam and consultation includes complete gait analysis, x-ray, neurological exam and
vascular exam.
Treatment programs for heel pain, bunions, hammertoes, ingrown toenails, diabetes, arch
pain, arthritis, orthotics and other foot and ankle problems
*The Podiatry Plan savings cannot be used in conjuncture with any other discount plan but may be
used in coordination of some insurance plans.
This product is not available in MA.
PODIATRY
DHNA.02.07.BL.12
Page 79
AGELITY
Members have access to discounts on most FDA-approved prescription drugs. On average,
members will save 20% off brand name drugs and 40% off generic drugs.
Members simply present the discount card to the pharmacist at one of the nearly 55,000
participating pharmacies. The pharmacist will enter the member information (as provided on the
card) into the system, and the discount will be automatically calculated and applied to the
transaction. This plan applies to the member’s entire family.
Members who are seeking additional savings along with the convenience of home delivery, the
prescription mail-order service is just right!
Pharmacy Web tools are available online that will enable members to:
Locate participating pharmacies anywhere in the country
Find retail pharmacy prescription drug pricing
Identify and price equivalent alternative drugs that may have deeper discounts
Receive mail-order prescription drug pricing
Download and print mail-order forms
Accepted in over 56,000 pharmacies nationwide including:
Albertsons Costco CVS Kmart Target Walmart
Kroger Rite Aid Safeway Walgreens Winn Dixie
Discounts are available at participating pharmacies only.
PRESCRIPTION DRUGS
AGLT.08.17.BL.12
Page 80
CVS CAREMARK
Members will have access to an average savings of 31% on generic drugs and an average savings of 13% on
brand name prescriptions at over 60,000 participating pharmacies nationwide.
Key Features of CVS Caremark:
Interactive Website: Check drug cost, locate a participating pharmacy, order prescriptions by mail,
access drug and health information and check drug interactions
Mail Order Pharmacy: Save even more when ordering prescriptions by mail. Members can purchase
a 90-day supply of select medications for a low, fixed price through CVS Caremark Mail Service
Pharmacy. Plus, enjoy free standard shipping and handling!
FastStart Service: To get started with mail service, simply call toll-free 1-877-321-2652 and ask for
FastStart service. CVS Caremark will contact the doctor to obtain a new prescription. Members should
have ID number, prescription information (including doctor’s name and phone number), shipping
address and credit card ready.
Convenient Refills: Request prescription refills 24 hours a day by either calling the toll-free number
on the prescription label or visit www.caremark.com/careington. All that is needed is the prescription
number and credit card number.
This is NOT insurance. Discounts are only available at participating pharmacies.
Operated by CVS Caremark.
PRESCRIPTION DRUGS
PCS.04.23.JH.12
Page 81
PRESCRIPTION DRUGS
EN
VISION
Members are able to save on the price of prescription drugs at thousands of participating
pharmacies nationwide. Members save from 15% to 60% on generic prescriptions and 15% to 25%
on brand name prescriptions. With this program, members will have the opportunity to save at
over 60,000 participating pharmacies nationwide including Costco, Safeway, CVS, Duane Reade,
Wal-Mart, Target, Walgreens, Rite Aid and many more.
At the pharmacy, members will simply present their membership card to save on prescription
drugs.
Interactive Website
Members will gain access to an interactive website that allows users to locate the nearest
participating pharmacy and accurately check the current costs of drugs. This tool helps to identify
and compare pricing across many nearby participating pharmacies. By utilizing this powerful tool,
members can make educated cost-saving decisions.
Visit www.medvana.com/care and click “Prescription Drug Card” to get started.
http://www.medvana.com/care
Page 82
MEDIMPACT
Members are entitled to prescription savings offered by MedImpact. Discounts are available at over
60,000 participating pharmacies nationwide.
At the pharmacy, members will simply present their membership card to receive an average savings
from 15% to 60% off generic drugs and average savings from 15% to 25% off brand name
prescriptions. The pharmacist will enter their information from the identification card and receive
significant savings at the time of purchase.
Mail-Order Pharmacy
Members can save even more on maintenance medications through the convenient and money
saving mail service, MedVantx. Members receive savings on 90-day supplies of medications when
ordered online, by phone or through the mail with our mail-order pharmacy.
A & P Pharmacy Family Pharmacy Martin’s Pharmacy Sedanos Pharmacy Discount
Accredo Health Group Familymeds Pharmacy May Drug’s Store Shopko Pharmacy
Apothecary Shop Food 4 Less Medical Arts Pharmacy Smith’s Pharmacy
Arrow Pharmacy Food City Pharmacy Medical Center Pharmacy Snyder Drug Emporium
Aurora Pharmacy Fred Meyer’s Med-X Drug Southern Family Market
Bakers Pharmacy Fruth Pharmacy Meijer Pharmacy Stop and Shop Pharmacy
Bartel Drugs Genuardis Minyard Pharmacy Super 1 Pharmacy
Beacon Prescriptions Giant Eagle Pharmacy Navarro Discount Pharmacy Super D Drug Store
Bel Air Pharmacy Giant Pharmacy P&C Foods Super Foodmart Pharmacy
Bi-Lo Pharmacy Hannaford Food & Drug Pamida Pharmacy Super Fresh Pharmacy
Bi-Mart Pharmacy Happy Harry’s Park Nicollet Pharmacy Super RX Pharmacy
Brooks Harps Pharmacy Pathmark Pharmacy Target Corporation
Brookshire Pharmacy Harris Teeter Pharmacy Pharmacare The Medicine Shoppe
Carnival Pharmacy Hartig Drug Pharmacy Express The Pharm
City Market Health Partners Pharmacy Plus Tops Pharmacy
Coborns Pharmacy Homeland Pharmacy Pick ‘n Save Ukrops Pharmacy
Community Pharmacy Hy-Vee Pharmacy Publix Pharmacy United Pharmacy
Costco Pharmacy Ingles Pharmacy QFC Pharmacy USA Drug
CVS Pharmacy Kerr Drug Quality Markets U-Save Pharmacy
Demotte Drugs Inc. King Soopers Rainbow Pharmacy VGS Pharmacy
Dillon Pharmacy Kings Pharmacy Raley’s Drug Center Village Pharmacy
Discount Drug Mart Kinney Drugs Ralph’s Pharmacy Vons
Docs Drug Kmart Pharmacy Rite Aid Waldbuams Pharmacy
Drug Emporium Kroger Pharmacy Sack ‘n Save Walgreens
Drug Town Larry Lyons MD Safeway Walmart Pharmacy
Drug Warehouse Longs Drug Store Sam’s Club Pharmacy Weis Pharmacy
Econofood Pharmacy Marc’s Sav-A-Center Pharmacy Winn Dixie
Family Drug Marsh Drugs Save Mart Pharmacy Yoke Pharmacy
PRESCRIPTION DRUGS
MEDI.08.15.BL.12
Page 83
SUPERIORRX
Careington members and their families have access to discounts on most FDA-approved
prescription drugs. On average, members will save 15% off brand name drugs and 40% off generic
drugs at participating Walmart and Sam’s Club pharmacies nationwide.
Walmart.com allows members to:
Locate participating pharmacies anywhere in the country
Download and print mail-order forms
Transfer your prescription to Walmart
Track order history
Create medical expense summaries
A new interactive website is coming soon which will allow members to do the above…and
more!
Mail Order Pharmacy:
Members will save even more when ordering prescriptions by mail. If they are concerned with the
cost and convenience of filling prescriptions, Walmart Home Delivery can provide a suitable
alternative to meet their prescription needs.
Mail Order Service Includes:
24/7 refill ordering from a toll-free number or website
Approximately 300 generic prescriptions – only $10 for a 90-day supply
Free delivery to your door! Prescriptions will arrive via first class shipping; typically within 5-7
business days
No need to stand in long lines, wait at a counter or spend money on gas. Home delivery can
help members save time and money!
PRESCRIPTION DRUGS
SURX.03.17.DH.11
Page 84
NATION SAFE DRIVERS
Your Nation Safe Drivers (NSD) Roadside Assistance Plan is available to you 24 hours a day, 7
days a week and 365 days a year. NSD has the most extensive and diverse network of road and
tow professionals with access to over 45,000 providers available. The confidence you feel in your
vehicle is elevated by your membership in the NSD Roadside Assistance Plan.
Services Include:
Towing: Receive a tow to the nearest repair facility (Up to 15 miles). You are guaranteed no
out-of-pocket costs for a tow within 15 miles of your disablement.
Emergency Fluid Delivery: Water, oil or gas will be delivered to you in the event of an
emergency. NSD pays for the cost of delivery. You pay only for the cost of the delivered
fluids.
Lockout Services: If your keys are locked inside of your vehicle, NSD provides assistance
in gaining entry to your vehicle.
Flat Tire Changes: NSD will change a flat tire with your good, inflatable spare.
Battery Assistance: NSD will provide a jumpstart or boost to a dead battery.
Extricating and Winching: NSD will pay for one truck and a half hour of labor to dislodge
your vehicle from sand or snow when your vehicle is 15 feet or less from a regularly
maintained roadway.
Accident Towing: When NSD is called to dispatch services after an accident or collision, you
receive a tow up to 15 miles at no cost to you.
Trip Routing Services: You may call toll free 1-800-338-2670, Monday through Friday, 9 am
to 4:30 pm EDT, and request customized mapping to your road
trip destination.
Auto and RV Rental Discounts: Access rental car savings on our website.
Travel Savings: You will receive access to online travel savings. NSD has partnered with
Hotels.com to offer the best pricing for your travel needs.
Pricing subject to change if annualized utilization reaches over 5%.
NON-COVERED EMERGENCY ROADSIDE ASSISTANCE ITEMS:
1.Cost of parts, replacement keys, fluids, lubricants or cost of gasoline, cost of installation of products, material, and additional labor
relating to towing. Any service covered under valid manufacturer’s warranty. 2. Non-emergency mounting or removing of any tires,
snow tires, or chains. Tire Repair. Any and all taxes, or fines. Damage or disablement due to collision, fire, or vandalism. 3. Towing
from or repair work performed at a service station, garage or repair shop. Service on a vehicle that is not in a safe condition to be
towed. Services for vehicles weighing over 1-ton. Services for commercial vehicles and fleet vehicles. Non-emergency towing or other
non-emergency service. Impound towing or towing by other than an authorized service provider, except as noted below; vehicle
storage charges; a second tow. Towing or service on roads not regularly maintained, such as sand beaches, open fields, forests, and
areas designated as not passable due to construction. Towing at the direction of a law enforcement officer relating to traffic
obstruction, impoundment, abandonment, illegal parking, or other violations of law. 4. Coverage shall not be provided in the event of
emergencies resulting from the use of intoxicants or narcotics, or the use of the Covered Vehicle(s) in the commission of a felony. 5.
Repeated service calls for a covered Vehicle in need of routine maintenance or repair. Only one disablement for the same cause
during any seven-day period will be accepted. Reimbursement for accident towing and services secured through any other source. 6.
NSD will send a letter to any customer who exceeds five dispatched road service calls within the customers yearly membership term
notifying the customer that they will be placed on a “Cash Call Basis,” meaning NSD will still dispatch a service provider to a customer
on a “Cash Call Basis,” but the customer will have to pay the service provider a discounted fee for the service at the time the service is
rendered.
ROADSIDE ASSISTANCE
NSDB.11.21.RM.11
Page 85
NATION SAFE DRIVERS — PAY PER USE
The Nation Safe Drivers Roadside Assistance Plan (NSD) is available to members 24 hours a day, 7
days a week and 365 days a year. The confidence felt in one’s own vehicle is elevated by
membership with the NSD Roadside Assistance Plan. NSD has the most extensive and diverse
network of road and tow professionals with access to over 45,000 providers available every day of
the year. NSD call centers are fully staffed by professionally trained customer service personnel.
Services Include:
Towing – Members receive towing to the nearest repair facility (Up to five miles). Members
are GUARANTEED a tow up to 5 miles per disablement at no additional cost. Each additional
mile is $5.00 guaranteed.
Emergency Fluid Delivery – Water, oil or gas will be delivered to the member in the event
of an emergency. NSD pays for the cost of delivery. Members pay only for the cost of the
delivered fluids.
Lockout Services – If a member’s keys are locked in a vehicle, NSD provides assistance in
gaining entry to the vehicle.
Flat Tire Changes – NSD will change a flat tire with a good inflatable spare.
Battery Assistance – NSD will provide a jumpstart or boost to a dead battery.
Extricating/Winching – NSD will pay for one truck and a half-hour of labor to dislodge the
member’s vehicle from sand or snow when the vehicle is 15 feet or less from a regularly
maintained roadway.
Trip Routing Services – Members may call and request customized mapping to any road
trip destination.
Auto and RV Rental Discounts – Members have access to rental car savings on NSD’s
website.
Travel Savings – Members receive access to online travel savings. NSD has partnered with
Hotels.com to offer the best pricing for members’ travel needs.
This is a PAY PER USE product. Members will pay $74.95 PER trip.
ROADSIDE ASSISTANCE
NSDR.09.17.JH.13
Page 86
ROADSIDE PROTECT — 4 CLAIMS PER YEAR WITH $100 MAXIMUM BENEFIT/CLAIM
Roadside Protect has designed a roadside assistance plan to reduce the impact of many of the
inconveniences and burdens that accompany automobile ownership. Whether the issues are auto
maintenance, automobile breakdown or automobile accidents, this plan has been designed to enhance
member’s automobile experience.
Roadside Assistance Services:
Vehicle Towing • Vehicle Fuel Delivery
Vehicle Extrication • Vehicle Tire Change
Vehicle Lock-Out • Vehicle Jump Start
Roadside Assistance Services Include:
Telephone roadside dispatch 24 hours a day, 7 days a week, handled by a live agent
4 claim limit per year for each active member
Coverage for the member and one additional adult driver in the household in any car they drive
Maximum benefit is $100 per claim
Full road and towing services to the nearest service facility for all self-propelled, four wheel
vehicles, trucks, and recreational vehicles with a gross vehicle weight up to 10,000 lbs. Vehicles
must be designed, licensed and used for private, on-road transportation.
Gasoline/fuel delivery service and battery jumpstart only available for recreational vehicles and
trucks with more than four wheels and a gross vehicle weight up to 10,000 lbs.
Motorcycle service
Pricing subject to change if annualized utilization reaches over 5%.
This is a Sign & Drive Program. Members must call the Toll-Free Roadside Assistance number listed above so that RP’s agents can locate a
service provider to assist them. Services secured independently are not covered and will not be reimbursed. However, if RP cannot secure
dispatch or if service is unavailable, RP’s agent will provide an Authorization Number which gives the member the option of securing their own
service and submitting for reimbursement consideration up to their program benefit limit. For reimbursement consideration, please mail the
following to: Reimbursement Center, c/o Auto Road Service, PO Box 55698, Sherman Oaks CA 91413, and include the following:1) Service
Provider Invoice 2) Member Name & Address 3) Membership Number 4) Authorization Number 5) Brief explanation of the incident
Emergency Roadside services are provided to Roadside Protect, Inc. by Signature’s Nationwide Auto Club Inc.
Roadside Assistance Service Excludes:
1. Service if member is not with the disabled vehicle. 2. Transportation for the member to the vehicle for service or from the vehicle to another
destination after service has been rendered. 3. Service will not be rendered in areas not regularly traveled, such as vacant lots, beaches, open
fields, or other places which would be hazardous for service vehicles to reach. 4. Towing a vehicle off a boat dock or marina. 5. Delivery or
repair of tires. 6. Installation or removal of snow tires and chains nor dismounting, repairing, or rotating tires. 7. Vehicle’s storage charges. 8.
Cost of parts, installation, products, materials, impounding, and additional labor relating to towing. 9. Service of any kind on vehicles used for
commercial purposed or using dealer tags (Note: All trucks in New York have commercial license plates whether they are used for business or
private use. If the truck is used for private use, we will dispatch.) 10. Service for taxicabs, tractors, boats, trailers, dune buggies, or vehicles
used for competition, or stolen vehicles. 11. Service for unlicensed vehicles. 12. Service for vehicles with expired safety inspection sticker,
license plate sticker, and/or emission sticker(s) where required by law. 13. Service for vehicles illegally parked or impounded. 14. Repeated
service calls for a car in need of routine maintenance. 15. Service when a vehicle is snowbound. We do not hoist, winch, or shovel vehicles
from unplowed roads, snow banks, snowbound driveways, or curbside parking.
ROADSIDE ASSISTANCE
RSPA.05.29.JH.13
Page 87
ROADSIDE PROTECT—3 CLAIMS PER YEAR WITH $100 MAXIMUM BENEFIT/CLAIM
Roadside Protect has designed a roadside assistance plan to reduce the impact of many of the
inconveniences and burdens that accompany automobile ownership. Whether the issues are auto
maintenance, automobile breakdown or automobile accidents, this plan has been designed to enhance
member’s automobile experience.
Roadside Assistance Services:
Vehicle Towing • Vehicle Fuel Delivery
Vehicle Extrication • Vehicle Tire Change
Vehicle Lock-Out • Vehicle Jump Start
Roadside Assistance Services Include:
Telephone roadside dispatch 24 hours a day, 7 days a week, handled by a live agent
3 claim limit per year for each active member
Coverage for the member and one additional adult driver in the household in any car they drive
Maximum benefit is $100 per claim
Full road and towing services to the nearest service facility for all self-propelled, four wheel
vehicles, trucks, and recreational vehicles with a gross vehicle weight up to 10,000 lbs. Vehicles
must be designed, licensed and used for private, on-road transportation.
Gasoline/fuel delivery service and battery jumpstart only available for recreational vehicles and
trucks with more than four wheels and a gross vehicle weight up to 10,000 lbs.
Motorcycle service
Pricing subject to change if annualized utilization reaches over 5%.
This is a Sign & Drive Program. Members must call the Toll-Free Roadside Assistance number listed above so that RP’s agents can locate a
service provider to assist them. Services secured independently are not covered and will not be reimbursed. However, if RP cannot secure
dispatch or if service is unavailable, RP’s agent will provide an Authorization Number which gives the member the option of securing their own
service and submitting for reimbursement consideration up to their program benefit limit. For reimbursement consideration, please mail the
following to: Reimbursement Center, c/o Auto Road Service, PO Box 55698, Sherman Oaks CA 91413, and include the following:1) Service
Provider Invoice 2) Member Name & Address 3) Membership Number 4) Authorization Number 5) Brief explanation of the incident
Emergency Roadside services are provided to Roadside Protect, Inc. by Signature’s Nationwide Auto Club Inc.
Roadside Assistance Service Excludes:
1. Service if member is not with the disabled vehicle. 2. Transportation for the member to the vehicle for service or from the vehicle to another
destination after service has been rendered. 3. Service will not be rendered in areas not regularly traveled, such as vacant lots, beaches, open
fields, or other places which would be hazardous for service vehicles to reach. 4. Towing a vehicle off a boat dock or marina. 5. Delivery or
repair of tires. 6. Installation or removal of snow tires and chains nor dismounting, repairing, or rotating tires. 7. Vehicle’s storage charges. 8.
Cost of parts, installation, products, materials, impounding, and additional labor relating to towing. 9. Service of any kind on vehicles used for
commercial purposed or using dealer tags (Note: All trucks in New York have commercial license plates whether they are used for business or
private use. If the truck is used for private use, we will dispatch.) 10. Service for taxicabs, tractors, boats, trailers, dune buggies, or vehicles
used for competition, or stolen vehicles. 11. Service for unlicensed vehicles. 12. Service for vehicles with expired safety inspection sticker,
license plate sticker, and/or emission sticker(s) where required by law. 13. Service for vehicles illegally parked or impounded. 14. Repeated
service calls for a car in need of routine maintenance. 15. Service when a vehicle is snowbound. We do not hoist, winch, or shovel vehicles
from unplowed roads, snow banks, snowbound driveways, or curbside parking.
ROADSIDE ASSISTANCE
RSPB.05.29.JH.13
Page 88
ROADSIDE PROTECT — 4 CLAIMS PER YEAR WITH $50 MAXIMUM BENEFIT/CLAIM
Roadside Protect has designed a roadside assistance plan to reduce the impact of many of the
inconveniences and burdens that accompany automobile ownership. Whether the issues are auto
maintenance, automobile breakdown or automobile accidents, this plan has been designed to enhance
member’s automobile experience.
Roadside Assistance Services:
Vehicle Towing • Vehicle Fuel Delivery
Vehicle Extrication • Vehicle Tire Change
Vehicle Lock-Out • Vehicle Jump Start
Roadside Assistance Services Include:
Telephone roadside dispatch 24 hours a day, 7 days a week, handled by a live agent
4 claim limit per year for each active member
Coverage for the member and one additional adult driver in the household in any car they drive
Maximum benefit is $50 per claim
Full road and towing services to the nearest service facility for all self-propelled, four wheel
vehicles, trucks, and recreational vehicles with a gross vehicle weight up to 10,000 lbs. Vehicles
must be designed, licensed and used for private, on-road transportation.
Gasoline/fuel delivery service and battery jumpstart only available for recreational vehicles and
trucks with more than four wheels and a gross vehicle weight up to 10,000 lbs.
Motorcycle service
Pricing subject to change if annualized utilization reaches over 5%.
This is a Sign & Drive Program. Members must call the Toll-Free Roadside Assistance number listed above so that RP’s agents can locate a
service provider to assist them. Services secured independently are not covered and will not be reimbursed. However, if RP cannot secure
dispatch or if service is unavailable, RP’s agent will provide an Authorization Number which gives the member the option of securing their own
service and submitting for reimbursement consideration up to their program benefit limit. For reimbursement consideration, please mail the
following to: Reimbursement Center, c/o Auto Road Service, PO Box 55698, Sherman Oaks CA 91413, and include the following:1) Service
Provider Invoice 2) Member Name & Address 3) Membership Number 4) Authorization Number 5) Brief explanation of the incident
Emergency Roadside services are provided to Roadside Protect, Inc. by Signature’s Nationwide Auto Club Inc.
Roadside Assistance Service Excludes:
1. Service if member is not with the disabled vehicle. 2. Transportation for the member to the vehicle for service or from the vehicle to another
destination after service has been rendered. 3. Service will not be rendered in areas not regularly traveled, such as vacant lots, beaches, open
fields, or other places which would be hazardous for service vehicles to reach. 4. Towing a vehicle off a boat dock or marina. 5. Delivery or
repair of tires. 6. Installation or removal of snow tires and chains nor dismounting, repairing, or rotating tires. 7. Vehicle’s storage charges. 8.
Cost of parts, installation, products, materials, impounding, and additional labor relating to towing. 9. Service of any kind on vehicles used for
commercial purposed or using dealer tags (Note: All trucks in New York have commercial license plates whether they are used for business or
private use. If the truck is used for private use, we will dispatch.) 10. Service for taxicabs, tractors, boats, trailers, dune buggies, or vehicles
used for competition, or stolen vehicles. 11. Service for unlicensed vehicles. 12. Service for vehicles with expired safety inspection sticker,
license plate sticker, and/or emission sticker(s) where required by law. 13. Service for vehicles illegally parked or impounded. 14. Repeated
service calls for a car in need of routine maintenance. 15. Service when a vehicle is snowbound. We do not hoist, winch, or shovel vehicles
from unplowed roads, snow banks, snowbound driveways, or curbside parking.
ROADSIDE ASSISTANCE
RSPC.05.29.JH.13
Page 89
ROADSIDE PROTECT—3 CLAIMS PER YEAR WITH $50 MAXIMUM BENEFIT/CLAIM
Roadside Protect has designed a roadside assistance plan to reduce the impact of many of the
inconveniences and burdens that accompany automobile ownership. Whether the issues are auto
maintenance, automobile breakdown or automobile accidents, this plan has been designed to enhance
member’s automobile experience.
Roadside Assistance Services:
Vehicle Towing • Vehicle Fuel Delivery
Vehicle Extrication • Vehicle Tire Change
Vehicle Lock-Out • Vehicle Jump Start
Roadside Assistance Services Include:
Telephone roadside dispatch 24 hours a day, 7 days a week, handled by a live agent
3 claim limit per year for each active member
Coverage for the member and one additional adult driver in the household in any car they drive
Maximum benefit is $50 per claim
Full road and towing services to the nearest service facility for all self-propelled, four wheel
vehicles, trucks, and recreational vehicles with a gross vehicle weight up to 10,000 lbs. Vehicles
must be designed, licensed and used for private, on-road transportation.
Gasoline/fuel delivery service and battery jumpstart only available for recreational vehicles and
trucks with more than four wheels and a gross vehicle weight up to 10,000 lbs.
Motorcycle service
Pricing subject to change if annualized utilization reaches over 5%.
This is a Sign & Drive Program. Members must call the Toll-Free Roadside Assistance number listed above so that RP’s agents can locate a
service provider to assist them. Services secured independently are not covered and will not be reimbursed. However, if RP cannot secure
dispatch or if service is unavailable, RP’s agent will provide an Authorization Number which gives the member the option of securing their own
service and submitting for reimbursement consideration up to their program benefit limit. For reimbursement consideration, please mail the
following to: Reimbursement Center, c/o Auto Road Service, PO Box 55698, Sherman Oaks CA 91413, and include the following:1) Service
Provider Invoice 2) Member Name & Address 3) Membership Number 4) Authorization Number 5) Brief explanation of the incident
Emergency Roadside services are provided to Roadside Protect, Inc. by Signature’s Nationwide Auto Club Inc.
Roadside Assistance Service Excludes:
1. Service if member is not with the disabled vehicle. 2. Transportation for the member to the vehicle for service or from the vehicle to another
destination after service has been rendered. 3. Service will not be rendered in areas not regularly traveled, such as vacant lots, beaches, open
fields, or other places which would be hazardous for service vehicles to reach. 4. Towing a vehicle off a boat dock or marina. 5. Delivery or
repair of tires. 6. Installation or removal of snow tires and chains nor dismounting, repairing, or rotating tires. 7. Vehicle’s storage charges. 8.
Cost of parts, installation, products, materials, impounding, and additional labor relating to towing. 9. Service of any kind on vehicles used for
commercial purposed or using dealer tags (Note: All trucks in New York have commercial license plates whether they are used for business or
private use. If the truck is used for private use, we will dispatch.) 10. Service for taxicabs, tractors, boats, trailers, dune buggies, or vehicles
used for competition, or stolen vehicles. 11. Service for unlicensed vehicles. 12. Service for vehicles with expired safety inspection sticker,
license plate sticker, and/or emission sticker(s) where required by law. 13. Service for vehicles illegally parked or impounded. 14. Repeated
service calls for a car in need of routine maintenance. 15. Service when a vehicle is snowbound. We do not hoist, winch, or shovel vehicles
from unplowed roads, snow banks, snowbound driveways, or curbside parking.
ROADSIDE ASSISTANCE
RSPD.05.29.JH.13
Page 90
AEROFLOW
AeroFlow is a one-stop referral source for complete turn-key sleep testing and treatment solutions.
Aeroflow Works Directly with DOT Medical Examiners
Aeroflow will keep record of and provide all necessary documents directly to DOT examiners,
allowing members to focus on other areas.
FMCSA-Approved In-Home Diagnostic Sleep Testing
Allows drivers to be tested for sleep apnea while still making deliveries on time.
Direct Source of Equipment and Supplies
Aeroflow provides members with the latest industry equipment to achieve best treatment
results
24/7 Compliance Monitoring Services
Aeroflow provides real-time compliance monitoring to ensure drivers meet current DOT
regulations
Risk Indicators:
Loud Snoring • Neck size > 17 inches
Morning headaches and Nausea • Being overweight
High blood pressure • Tobacco and alcohol use
Excessive daytime sleepiness • Family history of sleep apnea
Members Have Access
To take the FMCSA-approved Diagnostic In-Home Sleep Test for $175 per test, including
results and shipping costs. (National average price is $305 per test.*)
To purchase a CPAP Machine for the discounted price of $1,300 per machine. (National
average price is $2,425 per machine.*) This device includes:
Auto-Titrating CPAP machine
Full line of supplies: face mask, tubing, air filter and custom travel bag
Compliance Monitoring Service Options
1. Wireless Modem – Aeroflow offers wireless modem compliance tracking system that allows
for real time access to compliance information for a cost of $15 per person per month.
2. SmartCard – Aeroflow provides members with SmartCard that records compliance
information and downloads information from the card on an as needed basis for $20 per
download.
*National averages are based on BCBS, Medicare, United, Medcost, Aetna, Cigna, Wellpath and Wells
Fargo’s average costs.
SLEEP APNEA
AERO.10.23.JH.12
Page 91
ACCESS DEVELOPMENT
With the Preferred Members Program powered by Access Development, there’s never a need to wait
for a sale or hunt for a bargain. Members can enjoy savings in their own neighborhood. Members
always save big with discounts from 10% to 50% off at popular retailers nationwide. Finding what
members want at a great price is easy and savings is even easier! This program will give members
access to over 300,000 retailers and over 500 national brands, so members can find exactly what
they are looking for.
Discounts Offered:
Hotels: Over 30,000 Hotel Locations: From luxury resorts to economy stays, members will always
rest easy with discounts on name-brand hotels worldwide.
Car Rentals: Over 16,000 Care Rental Locations: Free days, upgrades and other great discounts
are available any time members need a ride.
Recreation & Entertainment: Members will save at locations like theme parks, theater
productions, bowling alleys, laser tag, white-water rafting, museums, arcades, sports events, high-
adventure excursions, cultural events and much more.
Dining & Grocery: Over 65,000 Dining Locations: Members will enjoy discounts on dining
locations nationwide, including fine restaurants, casual dining, fast food, desserts, catering, take-
out, delivery and more. Grocery discount coupons are also available.
Shopping: From clothing and electronics to books and bedding, members will save on the
things they buy every day at thousands of participating brands, both in-store and online.
Automotive: Buckle up and enjoy the automotive savings at thousands of locations nationwide.
Members will save on everything from oil changes and tune-ups to major repairs and body work.
SHOPPING DISCOUNTS
ADBD.07.26.JH.13
Page 92
CAREINGTON MALL
Careington International Corporation offers a discount shopping program that can be used every
day of the year, no matter where you are!
Members can save money on goods and services they use the most from over 300 leading national
merchants. From clothing to computers, gifts to golf or tickets to toys, Careington Mall offers
discounts on thousands of products from top national brands and retailers. Once a vendor is
approved to participate, Careington Mall works hard to negotiate the best discount possible for
your employees. This amount can be as much as 60% off.
Retailers Include:
1-800-Flowers Kodak Hertz
Office Depot Travelocity Avenue
PetsMart ProFlowers Ice.com
Sears Red Envelope Diamond.com
Target Shoes.com Shari’s Berries
Kmart Rosetta Stone Perfume.com
dELIA*s Shoebuy.com Interstate Batteries
Hotels.com Ticketsnow.com Restaurant.com
…and many more!
SHOPPING DISCOUNTS
CMAL.02.15.BL.12
Page 93
DISCOUNT DEVELOPMENT SERVICES (DDS)
Members of the Consumer Savings Club can save every day at popular stores, restaurants and
theme parks across the country and around the corner by purchasing merchandise at their favorite
stores with gift cards/certificates or theme park tickets purchased through their program.
Key Features of the Consumer Savings Club:
Unlimited access to savings
No rebates or restrictions because members receive savings instantly
For each $25 gift card purchased, members will save on the price of the card
Members receive a 10% savings at Universal Orlando
®
Resort
1
, Orvis
®2
, Busch Gardens
®
,
SeaWorld
®
and Walt Disney World
®3
Resort. Pay only $22.50 for each $25.00 gift card/
certificate purchased through the program. That’s a $25.00 value for only $22.50! Save 10%
on tickets to the theme parks listed above purchased through the program.
Receive a 5% savings at Dillard’s*, Borders
®*
, Waldenbooks
®
*, BLOCKBUSTER
®
, American
Eagle Outfitters*, Olive Garden
®
*, Sports Authority
®
, Red Lobster
®
* and JCPenney
4
. Pay only
$23.75 for each $25.00 gift card/certificate purchased through the program. That’s a $25.00
value for only $23.75!
Receive a 3% savings at Sears
5
. Pay only $24.25 for each $25.00 gift card/certificate
purchased through the program.
*Participating vendors are neither sponsors, co-sponsors nor affiliates of Careington International. Corporation .Gift card/
certificate savings are an exclusive offer of Careington International Corporation and are valid only on gift cards/
certificates purchased through Careington International. Corporation. Please see back of gift card/certificate for terms and
conditions of use. All vendor trademarks and copyrights remain the property of the individual vendor. Careington
International .Corporation uses vendor names, logos and any other vendor material by permission of each vendor. Please
visit the CAREINGTON website or call Member Services for complete terms and conditions related to participating
vendors.
Universal elements and all related indicia TM and © 2009 Universal Studios. © 2009 Universal Orlando. All rights
reserved
Orvis is not a sponsor or co-sponsor of this program. Orvis Gift Cards are redeemable online at www.orvis.com,
through Orvis
®
catalogs by phone or mail, or at 29 Orvis
®
retail stores.
As to Disney artwork/properties: © Disney
Terms and conditions are applied to gift certificates/gift cards. Terms and conditions for JCPenney Gift Cards are listed
on the back of the gift cards and also at www.jcp.com. JCPenney is not a sponsor of this promotion and is not
affiliated with Careington International. Corporation. The JCPenney name and logo are registered trademarks of J.C.
Penney Company, Inc.
Sears limits consumers to the use of fifteen (15) gift cards per in-store transaction. Sears Holding Company
participation is not an in-store offer and is not a sponsor of this promotion. Fulfillment of gift cards will be done
through Careington International. Corporation. Gift cards are subject to all terms and conditions printed on the gift
cards and are subject to change at Sears Holding Company’s discretion.
SHOPPING DISCOUNTS
DDSN.08.20.BL.09 DDDN.08.20.BL.09
http://www.orvis.com
http://www.jcp.com
Page 94
RETAIL BENEFITS
Retail Benefits provided by Careington, is an ecommerce portal to leading merchants, where
members can earn between 1% – 40% cash back, incentives, and instant rewards just for shopping
online. This portal lets members shop where they’re already shopping online today. Members can
access the same stores, and the same merchandise, but will now actually get paid for shopping.
Every purchase made through the online portal will give the member cash back, no matter what
the purchase.
Cash back can be paid with direct deposit or check, when the amount reaches a specified
threshold. Members also have the option to set up a percentage of all earnings as a tax-deductible
donation to any of the available two million non-profit organizations.
With the Careington Retail Benefits Shopping Assistant internet toolbar, members will be able to
see if specific sites offer cash back rewards. Members can then enable cash-back rewards and shop
as they normally would through the retailer’s website.
Features for Members
Earn between 1% – 40% cash back and other high value incentives for shopping online
Access to over 4,000 retailers
Extensive comparison tools to show best prices and most cash-back incentives
Virtual back office that helps track completed purchases, in-progress purchases, cash-back
reward balances, and personal accounts
Two million registered non-profit organizations available to donate all or part of cash-back
earnings on a tax deductible basis
Retailers Include:
Nike Best Buy Eddie Bauer
The Gap Bed Bath and Beyond Sony
Target Staples Dell
iTunes Sun and Ski Sports The Home Depot
Banana Republic Walgreens Old Navy
Dicks Sporting Goods Petsmart Foot Locker
Walmart Sephora Champs
The Sharper Image Sunglass Hut Payless
Macy’s JC Penny Office Depot
K Mart HP Crate and Barrel
SHOPPING DISCOUNTS
RBIC.11.02.JH.12
Page 95
TAXRITE — HOTLINE
Tax Rite provides members with expert tax advice conveniently and instantly by telephone through
one-on-one consultations with experienced, professional tax specialists. This valuable service gives
you unlimited phone calls and prompt, qualified advice on your tax issues all year long. Our toll free
number directly connects you to a tax professional, who is experienced in all aspects of taxation.
Tax Rite provides tax advice for all the stages of your life:
Marriage
Buying a house
Having children
Children in college
Starting a business
Retirement
Tax Benefits Include:
$50.00 flat rate per return
Unlimited access to tax professionals year-round
Free review of last year’s tax return
Research of complex tax issues
Advice regarding IRS audits and notifications
Tax tips for personal and small business owners (sole proprietors)
Explanation of tax law
changes
Translation service for over 140 languages
TAX ADVICE
TRTH.08.07.BL.10
Page 96
LEGAL CLUB OF AMERICA — TAX
Tax Preparation & Advice Services
The Family Protection Plan provides comprehensive personal tax benefits including free tax return
preparation and unlimited toll-free tax-related advice during normal business hours. Additionally,
members will have access to the most commonly used tax-related schedules free of charge or at a
significantly discounted rate.
All tax assistance is provided by tax attorneys, CPAs, former auditors and/or Enrolled Agents
certified by the IRS. Additionally, all tax advice is backed by a $1 million liability policy.
Plan Features:
Unlimited advice for personal and business matters on federal taxation via toll-free phone
call, fax or e-mail (no time or frequency limitations)
Free mail-in tax return preparation (includes 1040EZ, 1040A and 1040)
$25.00 off of tax returns prepared by Jackson Hewitt
Deep discounts on numerous tax schedules that accompany the form 1040
IRS audit assistance
Tax professionals will review any notice or letter issued by the IRS and provide advice on
how to understand and solve the matter
Access to a web-based IRS audit tutorial, as well as an IRS notification tutorial
IRS notification assistance
Tax planning
Review of prior year’s tax return
Member portal with tax tips, tax law changes, tax organization area, IRS audit area, IRS
notification area and member advice on-line
The member’s call to the Tax Hotline will be answered by a tax expert who will immediately assist
them with their tax planning questions.
TAX ADVICE
LGCT.11.09.BL.07
Page 97
CALLMD
CallMD is a national network of medical doctors available for consultation 24 hours per day, 7 days
per week, 365 days per year. CallMD is staffed with registered nurses who will discuss the member’s
medical needs and arrange consultations with CallMD doctors who may write a prescription for a
non-narcotic or non-controlled medication at any time day or night.
Members will receive up to 12 consultations at no charge. All additional calls/consultations are at
a reduced rate of $35.00 per consultation.
Additional Services Included:
FileMD: A personal health profile accessible via a secure line over the internet. When you
contact the Physician Access Hotline for the first time, a registered nurse asks you to provide
a full medical history. This history is stored via FileMD, which is HIPAA-compliant, and
creates an Electronic Medical Record. This gives you the convenience of releasing medical
data, updating information and storing documents such as Insurance Cards, Consent Forms,
Power of Attorneys, Living Wills,
etc.
FamilyKeys: A personal data organizer software program that allows you to conveniently
organize, record and store financial, health, household inventory and other vital personal
information without compromising privacy. This program downloads onto your computer in
a “notebook” user-friendly format for easy access and updates.
*Pricing subject to change due to 5% annualized utilization cap.
This product is not available in MA.
TELEMEDICINE
CAMD.03.24.BL.11
Page 98
EDOCAMERICA
eDocAmerica is an online health and wellness service that provides unlimited access to physicians,
psychologists, pharmacists, dentists, dietitians and fitness trainers for routine medical questions and
information. Members are able to avoid spending unnecessary time waiting in a doctor’s office for
routine health issues that could have been easily addressed through a simple online exchange with
a medical professional.
eDocAmerica services include information on how to best handle medical issues, health decision
support, information on nutrition and fitness, weekly health tips, healthy lifestyle assessment and
much more. Simply log on to the website, submit a question and a response is typically received in
two to four hours. Physician responses are guaranteed within 24 hours.
eDocAmerica members also receive access to a smart phone app that will make it easier and faster
and to access these services on the go. The eDocAmerica smart phone app is available free to
download on the iPhone and Droid powered smart phones. Simply open the app store and search
for eDocAmerica and download. Once installed on your smart phone it will connect you directly into
your eDocAmerica account. The eDocAmerica smart phone app makes it even easier for
eDocAmerica members to utilize the services provided to you.
Services Include:
24/7 web-based access to board-certified physicians, psychologists, pharmacists, dentists,
dietitians and fitness trainers
Smartphone app that connects to personalized account and makes accessing services even
easier.
Ask eDoc: Receive guidance on a rash (attach pictures), more information on a topic or
condition, second opinion, etc.
Ask ePsych: grief, depression, difficult relationships, behavioral issues, smoking cessation
Ask ePharm: drug interactions, dosages, generics, OTC medications, etc.
Ask eDietician: diet plans, diabetic meal plans, balanced diet, supplements, vitamins, etc.
Ask eFitness: personal exercise plans, stretching exercises, injury questions, strength training,
etc.
Ask eDent: cosmetic dentistry, general oral health, teeth development in children,
orthodontics, etc.
Ask eCAM: homeopathic, natural, and alternative medicine questions
Unlimited access for the whole family with no fees of any kinds
3D Health Encyclopedia with 300 topics and conditions
Health Risk Assessments for monitoring health
Helps participants avoid unnecessary office visits
Weekly health tips delivered straight to members’ email
All information is secure and confidential on eDocAmerica’s secured server
*This product is not available in MA.
TELEMEDICINE
EDOC.10.24.JH.12
Page 99
EDOCAMERICA(DENTAL ONLY)
eDocAmerica is an online health and wellness service that provides unlimited access to healthcare
professionals for dental questions and information. Members are able to avoid spending
unnecessary time waiting in a dentist’s office for issues that could have been easily addressed
through a simple online exchange with a medical professional.
eDocAmerica services include information on how to best handle dental issues. Simply log on to the
website, and submit the question. All questions are personally answered by a dentist with most
responses to questions arriving within a few short hours.
eDocAmerica members also receive access to a smart phone app that will make it easier and faster
and to access these services on the go. The eDocAmerica smart phone app is available free to
download on the iPhone and Droid powered smart phones. Simply open the app store and search
for eDocAmerica and download. Once installed on a smart phone it will connect members directly
into their eDocAmerica account. The eDocAmerica smart phone app makes it even easier for
eDocAmerica members to utilize the services provided to them.
Services include:
24/7 web-based access to board-certified dentists
Smartphone app that connects to personalized account and makes accessing services even
easier.
Unlimited access for the whole family with no fees of any kind
3D Health Encyclopedia with 300 topics and conditions
Health Risk Assessments for monitoring health
Helps members avoid unnecessary office visits
Weekly health tips delivered straight to members’ email accounts
All information is secure and confidential on eDocAmerica’s secured server
eDocAmerica offers members free and unlimited email access to dentists who will answer questions
related to:
General Dentistry
Dentistry Drug Interactions
Children and Dentists
Cosmetic Dentistry
Members can get questions answered, make better decisions and live healthier with eDocAmerica.
TELEMEDICINE
EDNT.10.24.JH.12
Page 100
EDOCAMERICA PLUS NURSE LINE
eDocAmerica is an online health and wellness service that provides unlimited access to physicians
for routine medical questions and information. Members are able to avoid spending unnecessary
time waiting in a doctor’s office for routine health issues that could have been easily addressed
through a simple online exchange with a physician.
eDocAmerica services include information on how to best handle medical issues, health decision
support, information on nutrition and fitness, weekly health tips, healthy lifestyle assessment and
much more. Simply log on to the eDocAmerica website and submit your question and you will
receive a response from a board certified physician within 24 hours. eDocAmerica members also
receive access to a smart phone app that will make it easier and faster and to access these services
on the go.
eDocAmerica members also receive access to a smart phone app that will make it easier and faster
and to access these services on the go. The eDocAmerica smart phone app is available free to
download on the iPhone and Droid powered smart phones. Simply open the app store and search
for eDocAmerica and download. Once installed on a smart phone it will connect members directly
into their eDocAmerica account. The eDocAmerica smart phone app makes it even easier for
eDocAmerica members to utilize the services provided to them.
Services Include:
24/7 web-based access to board certified physicians, psychologists, pharmacists and dentists
Smartphone app that connects to personalized account and makes accessing services even
easier
Guaranteed physician response within 24 hours, and usually within two to four hours
Health Risk Assessment for monitoring your health
Ask eDietician: for all of your nutritional and diet issues
Ask eFitness: for all of your exercise and personal training questions
No fees – ready when you are
Searchable online medical library
Helps participants avoid unnecessary office visits
Weekly health tips
All information is secure and confidential on eDocAmerica’s secured server
eDocAmerica also includes a Registered Nurse access line 24 hours a day, 7 days a week through a
toll free line. The Registered Nurse will advise the member as to the proper disposition for his/her
stated medical problem. These dispositions will range from home care advice to recommended
emergency care immediately.
*This product is not available in MA
TELEMEDICINE
EDNL.10.23.JH.12
Page 101
TELADOC — CONSULT FEE
Teladoc is a national network of U.S. board-certified and state-licensed physicians who use electronic
health records, telephone consultations and online video consultations to diagnose conditions,
recommend treatment and write short-term, non-DEA controlled prescriptions, when medically
appropriate. Physicians are available 24 hours a day, 365 days a year, allowing you and your family
convenient access to quality care from home, work or on-the-go as opposed to more expensive and
time-
consuming alternatives like the doctor’s office or emergency room.
Teladoc has the largest independent physician network in telehealth. To ensure high quality physicians,
Teladoc credentials their physicians every two years. Their physicians are also subject to a 10% random
audit, which far exceeds NCQA standards. A $38.00 fee is charged per physician consultation.
Teladoc Services Include:
97% member satisfaction, 91% medical resolution and 97% physician satisfaction
Secure, personal and portable electronic health records
The average consultation time is 12 minutes.
On average, members receive a call back from the physician in 22 minutes.
Teladoc guarantees all members will receive a call back from a physician in three hours. (Teladoc
physicians successfully completed 99.6% of the consult requests within three hours in the past
year.)
On average, Teladoc physicians resolve 91% of the calls. The remaining calls are referred to the
member’s PCP, a specialist, the ER or the member was seeking a prescription that is outside the
Teladoc scope of service.
Pediatric network available
No age restrictions
Call Teladoc:
When your physician is not available • For non-emergency care
After normal hours of operation • On a vacation or business trip
Use Teladoc for non-emergency medical issue such as:
Cold or Flu • Bronchitis • Poison Ivy
Sinus Infection • Pink Eye • Respiratory Infections
Allergies • Urinary Tract Infections
© 2013 Teladoc, Inc. All rights reserved. Teladoc and the Teladoc logo are registered trademarks of Teladoc, Inc.
and may not be used without written permission. Teladoc does not replace the primary care physician. Teladoc
does not guarantee that a prescription will be written. Teladoc operates subject to state regulation and may not be
available in certain states. Teladoc does not prescribe DEA controlled substances, non-therapeutic drugs and
certain other drugs which may be harmful because of their potential for abuse. Teladoc physicians reserve the right
to deny care for potential misuse of services. Teladoc phone consultations are available 24 hours, 7 days a week
while video consultations are available during the hours of 7am to 9pm, 7 days a week. Consultations are not
available in Massachusetts. Video Consultations are not available in Louisiana, Massachusetts, Missouri, Ohio or
Texas. State
availability subject to change.
TELEMEDICINE
TDOC.08.28.JH.13
Page 102
TELADOC — NO CONSULT FEE
Teladoc is a national network of U.S. board-certified and state-licensed physicians who use electronic
health records, telephone consultations and online video consultations to diagnose conditions,
recommend treatment and write short-term, non-DEA controlled prescriptions, when medically
appropriate. Physicians are available 24 hours a day, 365 days a year, allowing you and your family
convenient access to quality care from home, work or on-the-go as opposed to more expensive and time-
consuming alternatives like the doctor’s office or emergency room.
Teladoc has the largest independent physician network in telehealth. To ensure high quality physicians,
Teladoc credentials their physicians every two years. Their physicians are also subject to a 10% random
audit, which far exceeds NCQA standards. Cost of Consultation: Free!*
Teladoc Services Include:
97% member satisfaction, 91% medical resolution and 97% physician satisfaction
Secure, personal and portable electronic health records
The average consultation time is 12 minutes.
On average, members receive a call back from the physician in 22 minutes.
Teladoc guarantees all members will receive a call back from a physician in three hours. (Teladoc
physicians successfully completed 99.6% of the consult requests within three hours in the past
year.)
On average, Teladoc physicians resolve 91% of the calls. The remaining calls are referred to the
member’s PCP, a specialist, the ER or the member was seeking a prescription that is outside the
Teladoc scope of service.
Pediatric network available
No age restrictions
Call Teladoc:
When your physician is not available • For non-emergency care
After normal hours of operation • On a vacation or business trip
Use Teladoc for non-emergency medical issue such as:
Cold or Flu • Bronchitis • Poison Ivy
Sinus Infection • Pink Eye • Respiratory Infections
Allergies • Urinary Tract Infections
*Pricing subject to change if utilization exceeds 7%.
© 2013 Teladoc, Inc. All rights reserved. Teladoc and the Teladoc logo are registered trademarks of Teladoc, Inc. and
may not be used without written permission. Teladoc does not replace the primary care physician. Teladoc does not
guarantee that a prescription will be written. Teladoc operates subject to state regulation and may not be available
in certain states. Teladoc does not prescribe DEA controlled substances, non-therapeutic drugs and certain other
drugs which may be harmful because of their potential for abuse. Teladoc physicians reserve the right to deny care
for potential misuse of services. Teladoc phone consultations are available 24 hours, 7 days a week while video
consultations are available during the hours of 7am to 9pm, 7 days a week. Consultations are not available in
Massachusetts. Video Consultations are not available in Louisiana, Massachusetts, Missouri, Ohio or Texas. State
availability subject to change.
TELEMEDICINE
TVIP.08.28.JH.13
Page 103
LIFEGUARD SERVICES EMERGENCY TRAVEL ASSIST
Members have access to a worldwide network of travel assistance personnel whenever they travel.
The Emergency Travel Assist services are available when the member is traveling more than 100
miles away from home and the trip duration is 90 consecutive days or less, and are faced with a
sickness or accidental injury. Information Services are available 24 hours a day.
Members must call the travel assist number to access these services. Members are not to make any
arrangements on their own. Members will not be reimbursed for arrangements that are not made by
the emergency travel assistance provider. All services must be pre-arranged by an Emergency Travel
Assistance Provider.
Assistance offered:
Emergency Medical Evacuation Guarantee of Medical Expenses**
Medically Necessary Repatriation Insurance Coordination
Transportation of Mortal Remains Lost Document Service
Transportation for Dependent Children Legal Assistance
Transportation of Traveling Companion Emergency Delivery of Prescription Items
Family Visitation Emergency Cash Transfers**
Vehicle Return Language Assistance
Medical Monitoring 24 Hour Information Service
Medical Referral
Limitations and Exclusions:
1. Suicide or attempted suicide
2. Intentionally self-inflicted injuries
3. War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not),
civil war
4. Participation in any military maneuver or training exercise
5. Mental or emotional disorders, unless hospitalized
6. Being under the influence of drugs or intoxicants, unless otherwise prescribed by a Physician
7. Commission of the attempt to commit a criminal act
8. Participation as a professional in athletics
9. Pregnancy and childbirth (except for complications of pregnancy)
THIS IS NOT INSURANCE. CERTAIN TERMS AND CONDITIONS APPLY.
**This fiduciary responsibility lies with the member
TRAVEL ASSISTANCE
LFTR.08.30.BL.12
Page 104
SEVEN CORNERS — INTERNATIONAL TRAVEL AND MEDICAL INSURANCE
Careington has established a market-ready medical insurance product for travelers outside of their
home country. This product can be packaged with other services or embedded into a tour
package to assure travelers have access to medical services while traveling anywhere in the US.
The product provides up to $25,000 per person for medical care incurred while traveling. Coupled
with a 24/7 call center, covered travelers have access to multi-lingual personnel who will help
them locate a physician or hospital and assist with any emergency situation, including separate
benefits for lost baggage, wallets, credit cards or passports. Coverage is included for trip
interruption, emergency evacuation, and repatriation of mortal remains.
Members will receive the following assistant services:
24/7 Emergency Assistance Service Line staffed with multi-lingual personnel
Location of medical facilities
Lost/Stolen Passport – provides instructions to those traveling outside their home country
Up to $500 in Lost Baggage Protection
Members will also receive the following coverage and benefits:
Medical Maximum of $25,000. (age 80+, maximum limited to $15,000 – Medical Maximum
is per person per Period of Coverage)
Coverage is available with $0, $100, or $500 Deductible
After members pay the deductible, the plan pays 100% to the selected Medical
Maximum.
Dental (Accident Coverage) to a maximum of $500
Emergency Medical Evacuation/Repatriation
$100,000 (in addition to the Medical Maximum)
Return of Mortal Remains: $10,000
Return of Minor Children: $50,000
Emergency Reunion: $50,000
Local Ambulance Benefit: $5,000
Loss of Baggage: $500
Interruption of Trip: $5,000
Hospital Room & Board, Intensive Care, and Outpatient Medical Expenses: Usual,
reasonable and customary to the selected Medical Maximum
A quote is needed for each opportunity. Benefit Period up to 180 Days. Please See Policy for exclusions and
limitations. Policy administered by Seven Corners, Inc. Policy underwritten by certain underwriters at Lloyds,
London, Rated A (Excellent) by A.M. Best. If there is any discrepancy between the benefits shown above and
the policy, the provisions of the policy will prevail.
TRAVEL ASSISTANCE
Page 105
TRAVEL GUARD — TRAVEL AND MEDICAL ASSISTANCE
Travel Assistance and Emergency Medical Assistance are available through Travel Guard when you
are traveling over 100 miles away from home and you are faced with a serious injury or illness, or a
travel-related emergency.
EMERGENCY TRAVEL SERVICES
Flight Rebooking
Passport & Travel Document Replacement
Baggage Tracking
Emergency Cash Transfer
Embassy or Consulate Referral
Emergency Message Relay
Legal Referrals
Rental Vehicle Return
Security and Evacuation Assistance
Roadside Assistance (access only)
WORLDWIDE TRAVEL ASSISTANCE **
Pre-Trip Travel Advice
Hotel Reservations and Ground Transportation
Translation and Interpretation Services
MEDICAL ASSISTANCE SERVICES
Emergency Medical Transportation Assistance – If you suffer an injury or illness that requires
medical treatment or hospitalization, Travel Guard will coordinate and arrange emergency
medical transportation to the nearest, most appropriate medical facility. Once the customer
is stabilized, Travel Guard coordinates his/her return to a hospital near their home.
**Non-emergency travel booking fees include: $35 per person for domestic tickets, $55 per person
for international tickets, $35 per person for tours and cruises, $20 per hotel booked, and $20 per
rental car booked.
Limitations & Exclusions:
Travel Guard provides traveler assistance through coordination, negotiation and consultation using
an extensive network of worldwide partners. Expenses for goods and services provided by third
parties are the responsibility of the traveler.
TRAVEL ASSISTANCE
TGTA.09.27.BL.12
Page 106
EYEMED PLAN D
Members save 20% to 40% off the retail price of eyewear with the EyeMed Vision Care
Access Plan
D discount program through the Access network. Members are eligible for discounts on exams,
eyeglasses and contact lenses from more than 65,000 providers nationwide including independent
optometrists, ophthalmologists, opticians, and leading optical retailers such as LensCrafters®,
Sears Optical® Target Optical®, JCPenney® Optical, and most Pearle Vision® locations.
Replacement Contact Lenses by Mail
EyeMed members may order replacement contact lenses via the Internet and have them mailed
directly to the member’s home. This service is for replacement contact lenses only, and the
EyeMed discount does not apply. The member’s initial pair of contact lenses must still be
purchased from their eye care provider to ensure proper fit and follow-up care.
VISION
EYEM.04.05.JH.13
Page 107
NATIONAL LASIK NETWORK (LCA-VISION)
Members will receive discounts on LASIK that are available at approximately 600 locations
nationwide. All in-network providers extend discounts of 15% off standard prices or 5% off
promotional prices. All surgeons must also meet strict credentialing standards in order to be in-
network.
Members receive discounts exclusively available through LasikPlus, the featured provider:
15% off standard prices or 5% off promotional prices or special member prices
Free exam (over $100 value)
Free enhancements for life on most procedures
VISION
LCA.01.15.JH.13
Special Member Prices
Traditional LASIK – bladeless
Free enhancements for 1 year
$695*
per eye
Traditional LASIK – bladeless
Free enhancements for life
$1,395
per eye
Custom LASIK – bladeless
Free enhancements for life
$1,895
per eye
*Nearsightedness better than -2, with astigmatism better than -1 and other restrictions may
apply.
Page 108
NATIONAL VISION ASMINISTRATORS, L.L.C.
Members can save an average of 45% to 60% with National Vision Administrators (NVA) vision
discount program. Members will have unlimited access to use the discount plan and can use the
plan whenever a new pair of glasses is needed.
NVA has over 43,000 providers nationwide, so it is easy to find a provider nearby. Members also
gain access to the NVA Smart Buyer online tool, which enables members to easily find the widest
selection of frames available to them based on a specific provider.
VISION
NVA.10.09.JH.12
NVA Fee Schedule
Service Member Cost
Comprehensive Vision Exam Balance after $10 off
Lenses
Single Vision $35
Bifocal $55
Trifocal $70
Lenticular $70
Lens Options
UV Coating $12
Tint (Solid & Gradient) $12
Scratch Resistant Coating (Standard) $15
Polycarbonate (Standard) $35
Anti-Reflective Coating (Standard) $45
Polarized $75
Transitions (Standard)
Single Vision $65
Bifocal & Trifocal $70
Progressive (Standard) $50 + Bifocal/Trifocal Charge
Other Add-On Services 20% off retail
Frames 35% off retail*
Contact Lenses**
Conventional 15% off retail price
Disposable 10% off retail price
Fitting and Follow Up 10% off retail price
*Any eligible frame at provider’s location
**Discount does not apply at Contact Fill
Please note: The NVA EyeEssential
SM
is an in-network benefit only. Benefit frequencies are unlim-
ited. Discounts do not apply at select retail locations including Wal-Mart/Sam’s Club locations
due to Wal-Mart/Sam’s Club Everyday Low Prices.
Page 109
QUALSIGHT
Members gain access to a savings program within a network of more than 800 locations nationwide.
Members can have LASIK vision correction surgery at a significantly reduced rate, with savings of
40% to 50% off the overall national average cost for Traditional LASIK surgery. Additionally,
members can receive significant savings on procedures such as Custom Bladeless (all laser) LASIK.
LASIK can provide freedom for the majority of individuals who wear glasses or contact lenses. Since
1995, more than 16 million LASIK procedures have been performed in the US to correct near-
sightedness, far-sightedness and astigmatism. There is even a procedure to correct presbyopia
(when the small print begins to blur) called Monovision LASIK. This procedure corrects one eye for
distance and the other eye for reading.
The cost of Traditional LASIK is $935 per eye and Custom LASIK is $1360 per eye, which is the total
cost with no hidden extra fees.
Members receive:
A FREE consultation to discuss the procedures available
A preliminary screening to determine if one is a potential candidate
Experienced surgeons who have collectively performed more than 4 million laser correction
procedures
Pre-operative exam and post-operative appointments with chosen physician
Lifetime Assurance Plans available
Refundable partial-payment (even if the member decides not to have the surgery)
Physician-recommended procedure using leading-edge, FDA-approved technology
Nationwide access to credentialed and experienced ophthalmologists using state-of-the-art,
FDA-approved LASIK vision correction technologies
Interest-free financing plans for up to 12 months with participating providers; or payments
as low as $53 per month available to qualified candidates
The QualSight program is not an insured program.
VISION
AMST.10.15.BL.12
Page 110
Eye Examination: A discount of 20% off of the Member’s Doctor’s normal fee
Frames and Lenses:* A discount of 20% off of the Member’s Doctor’s normal fee **
Contact Lenses:* A discount of 15% off of the Member’s Doctor’s normal fee **
VSP
Members will have access to 23,000 locations and 34,000 participating providers.
Access Plan
Discount Range:
Discounts apply to the purchase of complete pairs of prescription glasses only.
Discounts do not apply to vision care benefits obtained from Out-of-Network Providers.
Key Features of VSP:
1. Choose a doctor from the nation’s largest eye care doctor network.
2. Find a participating provider by calling the toll-free number or logging in online.
*Includes evaluation, design, fitting and subsequent follow-up services
** Lenses must be prescription lenses. Discounts toward the purchase of materials may be
obtained by the Covered Person within twelve (12) months of the examination from the Member
Doctor who originally provided the examination.
Exclusions: There are no discounts for professional services or materials connected with solutions
or cleaning products for spectacle glasses or contact lenses, low vision services and materials,
orthoptics or vision training and any associated supplemental testing, plano lenses, medical or
surgical treatment of the eyes, services and/or materials not indicated on this Schedule as Covered
Plan Benefits.
Product not available in WA.
VISION
VSPD.12.27.JH.12
Page 111
VSP CHOICE ACCESS PLAN
VSP is the nation’s largest eye care provider with over 44,000 participating points of care in retail
and medical locations. Participating providers look for more than just vision problems. They can
detect signs of serious health conditions like glaucoma, diabetic eye disease, high blood pressure
and high cholesterol.
Careington members can save 15% to 35% off eye exams and eye glasses by using the VSP Choice
Access® Plan. Members will receive affordable services, savings and access to the right doctor near
home or work.
Typical Sample Savings*
*These costs and savings are based on regional fee schedule averages. Please visit
vspchoiceaccess.com or call (800) 290-0523 for the actual savings in your area.
This plan is not insurance.
Product not available in, MT,VT & WA.
VISION
VSCA.09.27.JH.12
Benefit
Average Cost
Without Plan
Average Cost
With Plan
Member Typical
Savings
Eye Exam $134 $80 $54
Frame $200 $150 $50
Single Vision Lenses $83 $45 $38
Transition® Lenses $96 $77 $19
Anti-Reflective Coating $76 $45 $31
Page 112
SWANSON HEALTH PRODUCTS
Swanson Health Products sells vitamins and supplements, organic foods, natural skincare products,
homeopathic remedies and more. Swanson offers members a 10% discount on all products. Swanson will
match the price of a product if the customer finds a lower price at another merchant.
Swanson Health Products is the leader in affordable vitamins and offers discounts on products related to:
Blood pressure • Blood sugar
Calcium and bone health • Cardiovascular health
Children’s health • Cholesterol
Digestive health and fiber • Fitness and energy
Herbs • Homeopathic remedies
Immune support • Joint health
Memory and brain support • Mood and emotional health
Stress relief and sleep
Members have access to:
Flat-rate shipping of $4.99 on any size order shipped within the 48 contiguous states.
Swanson’s 100% Money-Back Guarantee: If a customer is not satisfied with a product for any
reason, the total cost of the product is refunded when returned within one year from the purchase
date, including return shipping and handling on domestic orders.
Outstanding customer service is available 24 hours a day and 7 days a week. Phone, email and live
chat representatives have been trained to efficiently handle members’ concerns with a high degree
of product expertise and professionalism.
In-depth articles, expert information, supplement facts, email newsletters and many other leading
tools both in Swanson’s catalog and on the website
Key Features:
Deal of the Day: Different products are listed on the website each day at specially marked down
prices.
Health Library: Swanson’s Health Library contains an abundance of useful information, such as a
radio talk show with a doctor, full-length articles written by acclaimed doctors and natural health
practitioners, videos that offer answers, healthy recipes and much more.
VITAMINS & NUTRITIONAL SUPPLEMENTS
SWAN.11.14.JH.12
Page 113
GASTRIC BANDING PANEL GROUP — ADVANCE HEALTHCARE PRODUCTS
Members will have access to a preferred pricing plan for gastric banding weight loss surgery
through the Gastric Banding Panel Group, a national network with over 100 locations. There are no
forms to fill out, and discounts are applied at the point of service.
With this weight loss program, members are able to:
Access over 100 participating locations nationwide
Access a certified gastric banding weight loss surgeon at every location
Receive a $1,000 discount as a preferred member for gastric banding weight loss surgery
Key features of the Gastric Banding Panel Group
One of a kind panel in the United States
Locations provide a broad coverage in the United States.
Program is simple and easy to understand.
All surgeons in the Gastric Banding Panel Group are certified by Allergen (Lap Band) or
Johnson & Johnson (Realize Band).
Lap Band and Realize Band products are approved by the FDA and typically deliver
numerous healthcare services including weight loss and reduction in Type 2 diabetes levels.
WEIGHT LOSS
LAPB.08.27.KH.13
Page 114
WEIGHT WATCHERS
Weight Watchers
®
incorporates healthful eating, physical activity, behavior modification, a weight
maintenance phase and, for those who attend meetings, group support. It is based on the
philosophy that successful weight loss is achieved through the attainment of a series of realistic
goals.
Members can choose from the following weight loss offerings and receive special savings of at least
25% off the regular retail pricing!
Option 1: MONTHLY PASS*
Local meetings provide a supportive atmosphere, which can help you be more successful. With the
Monthly Pass you get flexibility of attending Weight Watchers meetings in your community when
and where it suits you best. You benefit from an experienced leader and group support from your
fellow members. The Monthly Pass also includes the At Work program, which makes your
workplace healthier by offering you and your company all of the success of the Weight Watchers
program from your own office. This program includes unlimited community meetings, the mobile
app and access to online eTools in participating areas. After 20 employees have committed to
joining the community meetings, a Weight Watchers representative will come to your office to have
the meetings onsite as long as 12 employees remain active in the program.
Local meeting vouchers are available for areas that do not offer the Monthly Pass.
Special Pricing: $15.96 for the first month and $31.96 every month thereafter, provides members
with unlimited meetings each week, free registration, free eTools and the lowest price per week! A
valid payment method is needed to complete the sign-up. Members will be charged the special
pricing each month until cancelled so payment is not required when attending a meeting. To ensure
the next month’s card arrives on time, the member’s credit card may be charged up to 15 days prior
to their renewal date each month, to ensure the Monthly Pass is received on time.
Option 2: ONLINE SUBSCRIPTION
Member can follow Weight Watchers, step-by-step online, with interactive tools and resources like a
weight tracker, progress charts, restaurant guides and hundreds of recipes and meal ideas. Plus,
connect with the free online community, day or night, for inspiration and motivation.
Special Pricing: 12 months for $133.36
WEIGHT WATCHERS is the registered trademark of Weight Watchers International, Inc. and is used
under license.
*
This product is only available in participating areas of the United States.
WEIGHT LOSS
WATC.06.07.DH.13
Page 115
MEALEASY
MealEasy has made eating healthy at home easy by providing members with more than 2,000 chef
-designed meals to choose from and a multitude of customizable features. Members can save
time and money by cooking at home while providing their families with fully-balanced, healthy
meals.
Members can choose recipes from a variety of different meal plans such as balanced, heart-
healthy, diabetic, vegetarian and gluten free. Simply click on a recipe, and it shows the nutritional
facts of the meal and even provides a shopping list. It also gives the cooking instructions and the
preparation time. The “one-click meal planning system” makes it easy to plan meals and even a
menu for the entire week.
Members can access MealEasy through the website, where there is a live chat feature, email
address and phone number to call. In addition, there is a smart phone app, and the product is
also available through Facebook and Twitter.
MealEasy helps members stay motivated by making healthy-eating easy, convenient and effective.
Top 10 reasons to choose MealEasy’s Meal Planner:
Choose from more than 2,000 chef-designed meals
MealEasy meal plans are easy to stick to
Members can shop and cook with confidence
Customized calorie ranges aid weight loss and control
Pick healthy meals based on cost
Hundreds of freezer-friendly recipes
Easily exclude unwanted ingredients
Save time and money by making meals at home
Step-by-step cooking instructions and telephone support
Features:
Automatic meal planning
Ultimate control
Full nutritional information
Automatic shopping lists
Quick preparation
WELLNESS & LIFESTYLE
MEAL.09.13.JH.12
http://www.mealeasy.com/feature-tour.php
http://www.mealeasy.com/feature-tour.php#plan
http://www.mealeasy.com/feature-tour.php#cont
http://www.mealeasy.com/feature-tour.php#info
http://www.mealeasy.com/feature-tour.php#list
http://www.mealeasy.com/feature-tour.php#prep
Page 116
MYEWELLNESS
My eWellness.com is a comprehensive health resource designed to help individuals achieve their
personal goals regardless of age, gender or health condition. This web-based health and wellness
program promotes personal health and fitness through the natural therapies of diet, nutritional
supplements, the benefits of exercise and a healthy attitude.
Services Include:
Personalized home-based workouts with animations
Daily health tips on nutrition, weight-loss, exercise and disease prevention
Over 4,500 health and wellness related articles
Self help and wellness calculators
Unlimited health risk assessments for personal well being
Complete medical conditions library
Health tracking and points for incentive programs
Links to hundreds of additional wellness resources
24/7 support and web access
And many more features and benefits for members and their families
Online Tools:
Body Fat Percentage – Calculates the ratio of fat to lean muscle
Body Mass Index (BMI) – Calculates the total percentage of fat
Calorie Counter – Helps keep track and log the amount of calories eaten over a period of
time
Calories Per Day – Calculates how many calories someone needs to eat in order to
maintain, lose or gain weight
Walking Water Converter – Calculates how much water weight is lost by walking
Ideal Weight
Ideal Heart Rate
Any many more!
WELLNESS & LIFESTYLE
MYEW.12.27.JH.12
Page 117
TROTTER WELLNESS
Trotter Wellness® provides a single-source wellness solution for members through a complete
online suite of health risk assessments, program interventions, health information and decision
support tools*. These tools optimize a member’s health through prevention, reducing identified
health risks, disease intervention as well as establishing specific goals and objectives.
Services Include:
Health Risk Assessment: Members have access to online NCQA Certified Advantage
Health Risk Assessment (HRA). The HRA provides a comprehensive health assessment to
address major lifestyle factors and improve overall quality of life.
Personal Wellness Profile: A detailed report that informs member of their health
assessment survey results. The report is easy for participants to read and understand.
Healthy Living Guidelines Streaming Videos: Videos to guide members through each
section of their personal wellness report and serve as educational support on overcoming
health risks and achieving optimal health
WellNotes Monthly Newsletter: A monthly electronic newsletter with current health
headlines, tips and recommendations for living a healthy lifestyle
Online Wellness Center: A comprehensive online health and wellness resource that
contains health articles, calculators, quizzes and current information on a variety of health
topics
Health Activity Tracker: An online tool that identifies and tracks health and lifestyle
changes
LifeStyle Change Modules: The Living Life Series empowers members to achieve wellness
goals with evidence-based, cognitive behavioral trainings that can change the way they
think about themselves and their lifestyles.
*Trotter Wellness® ensures the confidentiality of all participants’ personal information.
WELLNESS & LIFESTYLE
TOWS.06.27.RM.11
Page 118
TROTTER WELLNESS PLUS OPTIMAL COACHING
Trotter Wellness® provides a single-source wellness solution for members through a complete
online suite of health risk assessments, program interventions, health information and decision
support tools*. These tools optimize a member’s health through prevention, reducing identified
health risks, disease intervention as well as establishing specific goals and objectives.
Services Include:
Health Risk Assessment: Members have access to online NCQA Certified Advantage
Health Risk Assessment (HRA). The HRA provides a comprehensive health assessment to
address major lifestyle factors and improve overall quality of life.
Personal Wellness Profile: A detailed report that informs member of their health
assessment survey results. The report is easy for participants to read and understand.
Healthy Living Guidelines Streaming Videos: Videos to guide members through each
section of their personal wellness report and serve as educational support on overcoming
health risks and achieving optimal health
WellNotes Monthly Newsletter: A monthly electronic newsletter with current health
headlines, tips and recommendations for living a healthy lifestyle
Online Wellness Center: A comprehensive online health and wellness resource that
contains health articles, calculators, quizzes and current information on a variety of health
topics
Health Activity Tracker: An online tool that identifies and tracks health and lifestyle
changes
LifeStyle Change Modules: The Living Life Series empowers members to achieve wellness
goals with evidence-based, cognitive behavioral trainings that can change the way they
think about themselves and their lifestyles.
Optimal Health Coaching: Members who complete the HRA are entered into a coaching
system. Professional health coaches review the member’s results, personal strengths and
readiness to change. As a result, health risks are identified through individual plans and
goals are set. Members have access to Health Coaching all year long.
About Optimal Health Coaching
Telephonic Health Coaches are health professionals with various backgrounds and degrees,
including registered nurses, certified fitness trainers, registered dieticians, smoking cessation
facilitators and certified health education specialists.
Once member completes the online health risk assessment, a personal health coach will help
review and create a health action plan to identify member’s strengths to achieve optimal health.
The frequency and length of sessions are based on member’s risk level and readiness to improve.
*Trotter Wellness® ensures the confidentiality of all participants’ personal information.
WELLNESS & LIFESTYLE
TOHC.06.27.RM.11
Page 119
PERFORMANCE OF THE FIRM:
1. Financial Performance
2. Market Performance
3.
Organizational Health
