Medical Discount Program with Accident Coverage
$20.00
•
Family for
$54.95
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A Healthcare Services Discount Program With Accident Medical and AD&D Benefit Plans
Discount benefits include: PPO Physicians Network, Hospital Savings, Podiatric Services, Cosmetic Surgery Services, Pediatric Care, Ancillary Facilities, Alternative Medicine, Dental Care, Chiropractic Care, Vision Care, Pharmacy Rx Savings, USA Prescription Mail Order, Canadian Prescription Mail Order, Hearing Program, Durable Medical, Vitamins and Supplements, 24-Hour Nurse Hotline, WorldDoc, Worldwide Assistance, 5-Star Concierge Service. Insurance benefits provided at no additional charge include: Hospital Accident Coverage up to $5000, Accidental Death and Dismemberment Coverage up to $25000. Not available in FL, TN, WA.
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$5,000 Accident Medical Benefit
Accident Medical expense insurance benefit is designed to help the insured cover co-payments, deductibles and other medical expenses incurred due to a covered accident, 24 hours a day, anywhere in the world. The benefits for Individual, Spouse and Children are as follows: Benefit Maximum per Accident: $5,000 / Co-Pay per Accident: $100
$25,000 Accidental Death and Dismemberment
Accidental Death and Dismemberment policy is designed if an injury or death occurs due to a covered accident.
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HEALTHCARE SAVINGS PROGRAMS (DMPO REQUIRED)
Some States require certain programs to be licensed as part of a DMPO. A DMPO is a regulated business entity that provides discounts on medical services. These discounts are usually available through contracts between the DMPO and various provider groups. DMPOs are generally regulated by state's Department of Insurance or Consumer Affairs. Currently, 13 states require specific DMPO licensing. The National Association of Insurance Commissioners has developed a model DMPO Act, and over the next few years, it is anticipated that a majority of states will adopt the model act or one similar.
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Discount Medical Plan Organization
We offer Members access to savings of up to 25% and more through over 700,000 physician, medical facility, and hospital locations nationwide.
Members may access physician savings through the Point-of-Service Network of over 300,000 provider locations nationwide. The Point-of-Service Network offers the convenience of receiving your savings and paying the reduced amount at the time services are rendered.
Members who wish to have access to additional physician locations, or to facilities and hospitals, may utilize the Expanded Network of over 450,000 provider locations nationwide, plus over 100,000 medical facilities and over 70% of the hospitals nationwide. To access savings through the Expanded Network, Members are required to obtain a referral from the Plan Administrator and guarantee payment in advance of the visit with a major credit card (certified funds may be required for medical estimates exceeding $2,000).
To accommodate the needs of Member's who do not have a credit card or available credit, we have secured an Extended Payment Option which offers credit of up to $100 at 0% interest with repayment in three equal monthly payments.
In the event a Member faces hospitalization which will cost in excess of $5,800, and they are unable to guarantee payment, we offer assistance through a Patient Advocacy Program. The Patient Advocacy Program assists the Member and advocates on the Member's behalf with the provider to find an amicable solution for both parties.
The Medical Savings Program is the most comprehensive medical savings program available.
Point-of-Service Network
The Point-of-Service Network offers Members savings of up to 25% and more at the point-of-service at over 300,000 physician's locations nationwide.
- NO Pre-Certification
- NO Claim Forms
- NO Benefit Limits
Expanded Network
The Expanded Network provides Members access to savings through an additional 450,000 physician locations nationwide, plus over 100,000 medical facilities, and over 70% of the hospitals nationwide. All services through the Expanded Network must be pre-certified prior to the appointment and Members must guarantee payment in full to the Plan Administrator with a major credit card (or certified funds if services are in excess of $2,000). In the event a Member does not have a credit card, an Extended Payment Option may be available.
Extended Payment Options
We realize that not every Member may have a credit card or available credit. To accommodate these Member's needs, we have secured an extended payment option that is unmatched in the market. Credit up to $100 is available for physician visits. Repayment is required in three equal monthly payments, and best of all, there is 0% interest.
Patient Advocacy
Despite the significant savings offered, not all Members will be capable of raising the funds to pay for more extensive services. To assist these Members, we have partnered with an established Patient Advocacy Program to assist in evaluating financial options and negotiating with hospitals and physicians, based on multiple criteria, on claims exceeding, or estimated to exceed, $5,500.
THIS PORTION OF PROGRAM IS NOT INSURANCE - DMPO REQUIRED
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Nurse-On-Call
Members can speak to a Registered Nurse 24 hours-a-day about any medical or healthcare concern. Our nurses are an immediate, reliable and caring source of health and medical information, education and support.
Nurse-On-Call is also proud to offer Members access to a health information library with over 1,000 topics.
Nurse-On-Call has combined its healthcare expertise with Internet technology to create an innovative online service. With just a few clicks of the mouse, Members now have access to a trusted source of medical, well-being and preventive health information.
Health Forums provides credible and timely health information developed and reviewed in consultation with the Nurse-On-Call Medical Advisory Board of experienced health professionals.
Health Forums Personal Edition allows Members to create a profile of their individual healthcare and well-being interests. Each time a Member logs onto Health Forums, they receive updates on the topics of their choice.
- Health Forums Healthcare Reference Library
- Articles
- User-friendly Medical Encyclopedia
- Dictionary
- Symptom Guide
- Medication Directory
- Medical Questions and Answers with Healthcare Professionals
Members may contact healthcare professionals by submitting questions via email and viewing the answers to questions posed by other Members.
One key to reducing healthcare costs is helping Members make educated decisions about their healthcare. With Nurse-on-Call, answers to healthcare questions are just a phone call, or mouse click, away.
THIS PORTION OF PROGRAM IS NOT INSURANCE - DMPO REQUIRED
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Dental Plan
No matter what a Member's dental care needs, they can save up to 35% on quality care from dental professionals nationwide.
The Dental Savings Network offers:
- Savings of up to 35% and More*
- 44,000 Provider Locations Nationwide
- Save On General Dentistry Needs And Specialty Care Such As Orthodontics, Oral Surgery, and Periodontics**
- Includes Savings on Cosmetic Dentistry
The Dental Savings Network consists only of those providers who have met a strict credentialing policy and quality requirements.
* Actual Savings will vary, based upon the dentist selected and the care required.
** Not all specialties available in all areas.
THIS PORTION OF PROGRAM IS NOT INSURANCE - DMPO REQUIRED
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Vision Plan
The Vision Savings Program offers point-of-service savings at nearly 13,000 ophthalmologists, optometrists, opticians and optical outlets nationwide. Members simply present their membership card at the time of service to receive savings. Savings include:
- One Free Eye Exam For Prescription Glasses
- 20%-60% Savings On Prescription Glasses
- Savings On All Ophthalmologic Services
Including RK, LASIK, and CO2 Laser Surgeries**
- Save Up To 50% On Contact Lenses & Sunglasses
- Unlimited Usage And No Restrictions On Frame Selections
- No Prior Condition Exclusions
Satisfaction Guarantee. The Vision Savings Program is designed to make it easy and affordable for you to receive quality eye care and eyewear on a routine basis. This means prevention as well as maintenance. The Vision Savings Program includes an unconditional, 30-day money back guarantee.
Participating Nationwide Chains
Eyeglass World, Eyemart Express, JC Penney Optical
Pearle Vision, Sears Optical, Sterling Optical
Target Optical, TLC Vision Centers, United Optical
Visionworks, Wal-Mart Vision Center
Participating Regional Chains
Boscovs Optical, Cohens Fashion Optical, D.O.C. Optical
Eye First Vision Center, Family Eye Care, General Vision Services
Kent Optical, Marshall Fields Optical, Midwest Vision Center
Optical Outlet, Site for Sore Eyes, Southwestern Eye Care
Texas State Optical, Today's Vision
THIS PORTION OF PROGRAM IS NOT INSURANCE - DMPO REQUIRED
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Chiropractic Care
According to recent studies, more than 20 million Americans will seek chiropractic care this year. The Chiropractic Savings Program offers point-of-service savings at over 12,000 Chiropractic locations nationwide. The Chiropractic Savings Program offers:
- Free Initial Consultation
- 50% Savings On All Diagnostic Services
- 50% Savings On X-rays
(if necessary, except in CO)
- 30% Savings On All Other Services
- Unlimited Chiropractic Visits
THIS PORTION OF PROGRAM IS NOT INSURANCE - DMPO REQUIRED
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Alternative Medicine
According to recent studies, over 40% of Americans report using some form of alternative treatments. With Americans spending over $27 billion out-of-pocket on alternative healthcare, using the Alternative Healthcare Savings Plan can provide a significant savings for Members.
The Alternative Healthcare Savings Program offers point-of-service savings of 20% at over 10,000 provider locations nationwide.
Providers include:
- Oriental Medicine
- Acupuncture
- Massage Therapy
- Acupressure
- Aromatherapy
- Homeopathy
- Nutritionists
- Herbology
- Holistic Medicine
- Meditation
- Yoga
- And More
THIS PORTION OF PROGRAM IS NOT INSURANCE - DMPO REQUIRED
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Diabetic Supplies
The Diabetic Savings Program offers a comprehensive diabetes maintenance program which includes a full line of state-of-the-art glucose meters, test strips, lancets and oral diabetic medications with prices as low as $30.00 per month, (price based on 1 time a day blood glucose testing schedule). The plan offers Members a potential monthly savings over 50%!!
Member benefits include:
- Full Line Of Superior State-Of-The-Art,
High Technology Products And Services
- Complimentary Starter Kit, Including Meter, Test Strips,
Lancets, Lancing Device And Control Solution
Available To New Patients With Initial Order
- Savings Over 50% Compared
To Average Retail Prices
- Friendly, Bi-Lingual Customer Service And
Convenient Home Delivery Of Products
THIS PORTION OF PROGRAM IS NOT INSURANCE - DMPO REQUIRED
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Hearing Plan
Proper hearing care is such a crucial part of our lives, yet many of the most important services relating to it are not covered by traditional health insurance plans.
You'll get help with a variety of important hearing-related services, including a free hearing test, access to some of the best hearing specialists in the country, and a tremendous savings on top-of-the-line hearing aids.
Program features include:
- Over 1300 Beltone Locations Nationwide
- Members Receive A 15% Discount
On Over 50 Models Of Hearing Aids
- Free Hearing Test
THIS PORTION OF PROGRAM IS NOT INSURANCE - DMPO REQUIRED
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Lab Services
We have created a national provider network that allows eligible participants access benefits without stress. In our program you will find an extensive customer service program, full access, no referrals, no limits on use, no exclusions and no waiting period.
• NO LIMITS ON USE
• NO HIDDEN FEES
• CUSTOMER SERVICE
• ONLINE FILE HISTORY
• MEDICAL REVIEW OF TEST
• NATIONAL NETWORK OF SERVICE CENTERS
• WELLNESS PROMOTIONS
• NO PRESCRIPTION NECESSARY
• NO LIMITS DUE TO MEDICAL HISTORY
• IMMEDIATE ACCESS TO BENEFITS
• SIGNIFICANT SAVINGS ON TESTING
• ONLINE REPORTING
• POSITIVE SPECIMEN IDENTIFICATION
• 1700 AVAILABLE TESTS
• UNPARALLED ACCURACY & PROFICIENCY
• FULLY AUTOMATED TESTING PLATFORM
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THIS PORTION OF PROGRAM IS NOT INSURANCE - DMPO REQUIRED
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ADDITIONAL HEALTHCARE SAVINGS PROGRAMS & SERVICES (DMPO NOT REQUIRED)
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Medifile
Medifile is the personal medical records solution that gives Members fast, secure telephone access to a their complete medical records, whenever they need them. Medifile professionally maintains and releases the vital medical information safely and conveniently-and only with a Member's authorization.
In a medical emergency, time is of the essence. Medifile ensures that Member's records are made available to healthcare providers within minutes of a call. Using state-of-the-art technology, Medifile can store and release confidential health information, including medical conditions, allergies, insurance data, treatments, immunizations, medications, physician information, emergency contact information, advance directives and more.
- Essential medical information no bracelet alone can provide.
- Comprehensive Medical History And Information From One Convenient Source
- Rapid Access To Medical Professionals
Toll-Free 24 Hours Per Day, 7 Days A Week
- Convenient Method For
Transferring Medical Records
- Information On: Medical Conditions, Allergies, Insurance Data, Treatments, Immunizations, Medications, Physician Information, Emergency Contact Information, Advance Directives And More
- Up To Fifteen Pages Of Important Health Documents Can Be Kept On File For Access At Anytime
THIS PORTION OF PROGRAM IS NOT INSURANCE - DMPO NOT REQUIRED
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Air Ambulance
Members have access to a worldwide network of medical and travel assistance personnel and emergency evacuation benefits when traveling over 100 miles
THIS PORTION OF PROGRAM IS NOT INSURANCE - DMPO NOT REQUIRED
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Travel Assistance
Members have access to a worldwide network of medical and travel assistance personnel and emergency evacuation benefits when traveling over 100 miles away from home and suffering a serious injury or illness. Peace of mind is knowing that help is only a phone call away.
- $100,000 Emergency Evacuation/Repatriation
- Transportation of Mortal Remains
- Transportation of Escort
- Family Visitation
- Minor Children Return/Escort
- Vehicle Return
- 24-hour Information Service
- Medical Monitoring
- Medical Referral
- Guarantee of Medical Expenses
- Insurance Coordination
- Lost Document Service
- Legal Assistance
- Emergency Delivery of Prescription Items
- Emergency Cash Transfers and Advances
- Language Assistance
THIS PORTION OF PROGRAM IS NOT INSURANCE - DMPO NOT REQUIRED
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Member Rights and Obligations
AccessOne Consumer Health, Inc. a Discount Medical Plan Organization
The terms and conditions the ADMINISTRATOR (AccessOne Consumer Health, Inc.) Discount Medical Program Organization (DMPO) are outlined below.
Disclosures
- The plan is not a health insurance policy;
- The plan provides discounts at certain health care providers for medical services;
- The plan does not make payments directly to the providers of medical services;
- The plan member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the DMPO. The corporate name and location of the licensed DMPO is :
- Access One Consumer Health. Inc., 809 East Main Street , Spartenburg, S.C. 29302
The DMPO will provide the member with a list of participating providers at its web site www.accessonedmpo.com or the member may call 1-800-896-1962 to find a provider. Members will be able to apply program discounts to all providers of each participating network. Provider services may include a combination of any of the following: medical doctors, doctors of osteopathy, dentists, chiropractors, diagnostic labs, out-patient facilities pharmacies, and ophthalmologist, optician, and optometrist services. The Member will be billed by the provider at the discounted rate at the time service is rendered. The Member is obligated to pay the provider for services rendered.
In no instance will the DMPO make payments directly to health care providers on behalf of the Member.
If the Member or the provider has a complaint regarding the DMPO then he or she go to www.accessonedmpo.com or call 1-800-896-1962 or write to Access One Consumer Health. Inc., 809 East Main Street , Spartenburg, S.C. 29302. This compliant will be addressed and the member will receive a response within 15 days of receipt of the complaint by the DMPO.
The Member is required to provide a list of all family members who will participate in this plan. If the member wishes to add or delete family members from this plan, the member must notify the DMPO at the contact information above at least 10 days prior to the effective date of any such change.
The member may terminate participation in the first 30 days of the program and receive a full refund on any fees or dues paid less a processing fee. After the first thirty (30) days, the member may cancel participation at any time. The Administrator must receive Notification at least (5) business days in advance of the next billing cycle for the member not to be charged for that billing cycle. If the notice of cancellation is not received prior to that billing cycle, then cancellation of payment will occur at the next billing cycle.
THIS PORTION OF PROGRAM IS NOT INSURANCE
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