Plan Benefits Summary

Transcription

1 Plan Benefits Summary Dental Care: 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 Procedure Description Regular Careington $ Cost * Plan Cost** Savings % Savings Adult Cleaning $118 $59 $60 51% Child Cleaning $83 $43 $40 49% Routine Checkup $69 $30 $39 56% Four Bitewing X-rays $80 $38 $41 52% Composite (White) Filling Code $188 $91 $97 51% Crown (porcelain fused to noble metal) $1,332 $742 $590 44% Complete Upper Denture $1,911 $985 $927 48% Molar Root Canal $1,299 $718 $581 45% Extraction (single tooth) $221 $100 $121 55% Average Savings: 47% Exclusions: * Regular cost is based on the national average of the 80th percentile usual and customary rates as detailed in the 2014 FairHealth Report in the Los Angeles, Orlando, Chicago and New York City metropolitan statistical areas. ** These fees represent the average of the assigned Careington Care Series fees in the Los Angeles, Orlando, Chicago and New York City metropolitan statistical areas. Prices subject to change.

2 Vision Care 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. Locate the EyeMed provider most convenient for the member by calling Member Services at or through the website provider search tool. Hearing Care: Hearing aid low price guarantee: If you should find the same product at a lower price, bring us the local quote and we ll not only match it, we ll beat it by 5%! As a member, you will receive a 40% discount on diagnostic services, including hearing exams. 2 years of free batteries (80 cells per hearing aid, per year) Learn more about our program at For more information or to schedule an appointment, call toll-free Our Patient Care Advocate will explain our program, answer any questions or schedule an appointment at any of our over 3,800 locations nationwide. The Amplifon Hearing Health Care program features: US Imaging - Imaging US Imaging is a premier diagnostic imaging program that provides you and your family with savings from 10% to 60% on advanced imaging costs for MRI, CT and PET scans. Discounts are available at over 2,400 freestanding radiology facilities throughout the United States. Savings may vary based on geographic location and procedure performed. To locate a participating provider and schedule an appointment, please call and a customer service representative will assist you. Please have your prescription available when calling.* Payment is due when test is scheduled. This product is not available in HI, VT and WY. *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. US Imaging Network, LLC and/or INA, LLC are not affiliated with US Imaging, Inc. Pharmacy Discount Instantly lower your prescription costs up to 60% on generic medications and 15% on brand name medications Accepted at 62,000 pharmacies, including most major chains such as: Walmart, Kroger, Rite Aid, Walgreens, CVS, Target, Duane Reade Easy to use just present your card to pharmacists at time of purchase No limits - all FDA-approved prescription drugs covered both brand name and generics Even covers medications for family pets with human equivalent prescriptions

3 DirectLabs- Lab Services Your discount lab program from Direct Labs provides savings from 10% to 80% off blood and lab procedures at over 3,000 facilities located nationwide*. To schedule a laboratory test or procedure, please call (800) , let the representative know you are a Careington member and give them the discount code R-DLAO. *Not available in HI, MD, NY, NJ, RI or MA. **ND, SD and VT offer Specialty Lab testing only. QualSight LASIK Serving you with Choice, Quality and Savings QualSight has more than 750 locations, so you can choose the provider and the LASIK procedure that meets your vision care needs. QualSight is contracted with credentialed and experienced physicians who have collectively performed over 4 million procedures. You will receive a savings of 40% to 50% off the overall national average cost for Traditional LASIK surgery through QualSight or receive significant savings on newer procedures like Custom Bladeless (all laser) LASIK. Call or visit to speak with a QualSight Care Manager. Your Care Manager will explain the entire program and answer any questions you may have. Select a preferred provider from the list of credentialed and experienced ophthalmologists in your area. The QualSight program is not an insured program. *Product not available in MT Alternative Care - Chiropractic With the ChooseHealthy program, you receive a 25% discount off regular fees at more than 31,000 credentialed specialty health care practitioners nationwide, including more than 23,000 contracted chiropractors. To locate a practitioner, visit or call toll-free (877) , Monday through Friday, 5 a.m. to 6 p.m. Pacific Time. Identify yourself as a Careington member with the ChooseHealthy program. 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 practitioners 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.

4 Telemedicine - Teladoc Teladoc is a national network of U.S. board-certified, and state-licensed physicians who use electronic health records, telephonic 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. Cost of Consultation: Free! You can also download the Teladoc mobile app by visiting the itunes App Store or the Google Play Store. Through the app, you can update your medical history and request consults. A Medical History Disclosure (MHD) is necessary prior to requesting a consult. You can complete your disclosure either online or by calling customer service 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. Please visit for a complete list of state availability. Teladoc does not prescribe DE A 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. Long Term - HealthCare Synergies With HealthCare Synergies (HSI), you can save from 5% to 30%* off the normal fees for services from HSI s network. HSI has developed the nation s largest privately owned long-term care network, comprised of more than 7,400 providers. As a member, you can receive services from skilled nursing facilities, assisted living facilities, home health care, home health aides, hospice care, durable medical equipment and physical and occupational therapies. For more information, or to locate a participating provider, please call toll-free *Savings are based on a percentage off normal fees and may vary by geographic location.

5 Identity Theft Program Our unique identity theft solution provides you with all the components necessary to restore your identity, and prevent future incidences of identity theft. All work done on your behalf is performed by qualified Privacy Advocates. Our program takes a completely hands on approach to identity theft restoration. Identity Theft Insurance*: You will also receive up to $25,000 worth of identity theft insurance coverage underwritten by a nationally recognized Insurance Carrier with an A or better AM Best Rating. This coverage will help offset some of the cost of restoring your identity to its original status including: * Lost wages: $ per week, for 4 weeks maximum * Re-filing of loans * Defense cost for certain civil & criminal law suits * Reimbursement of fees: Reasonable and necessary costs incurred in the United States by the insured for: ** (a) Re-filing applications for loans, grants or other credit instruments that are rejected solely as a result of a stolen identity incident ** (b) Notarizing affidavits or other similar documents, long distance telephone calls and postage solely as a result of the insured's efforts to report a stolen identity incident and/or amend or rectify records as to the insured's true name or identity as a result of a stolen identity event ** (c) Up to six credit reports from established credit bureaus (with no more than two reports from any one credit bureau) dated within 12 months after the insured's discovery of a stolen identity incident. * The description herein is a summary only. It does not include all terms, conditions and exclusions of the policy described. Please refer to the actual policy for complete details of coverage and exclusions. Coverage not available to residents of New York and may not be available in other jurisdictions. Insurance coverage is limited only to the member. Identity Theft Restoration: Upon notification of an identity theft incident, Privacy Advocates will act on your behalf as a dedicated case manager to: * Investigate and confirm the fraudulent activity, including known, unknown and potentially complicated additional sources of identity theft.

6 * Complete and mail customized, pre-populated, state specific Fraud Packet via certified mail with pre-paid return instructions. * Place phone calls, send electronic notifications, and prepare appropriate documentation on the member s behalf, including dispute letters for defensible complaints to any and all appropriate state agencies and financial institutions. * Issue fraud alerts and victim statements when necessary, with the three consumer credit reporting agencies, the FTC, SSA, and U.S. Postal Service. * Submit Special Limited Power of Attorney and ID Theft Affidavit to involved creditors for card cancellation and new card issuance. * Contact, follow up and escalate issues with affected agencies, creditors, financial institutions, to reinforce member s rights. * Assist the member in notifying local law enforcement authorities to file the appropriate official reports. * Utilize real time access to public records reports including DMV, criminal, address changes, liens, and judgments for further investigation where applicable. * Provide peace of mind and resolution of key issues from start to finish as swiftly as possible. * Provide members with a Case Completion Kit including copies of documentation, correspondence, forms and letters for their personal records. Lost or Stolen Credit Card Assistance / Document Recovery Services: Privacy Advocates will assist members in the event their credit cards are misplaced or stolen. Privacy Advocates will: * Consult with member to determine the severity of the event * Obtain credit reports from each of the three major credit * Contact each credit card company or other financial institution with the member via teleconference. * Cancel members affected credit cards * Request new replacement cards * Place fraud alerts with all three major credit bureaus * Assist members with interpreting their credit reports * Provide daily ID monitoring for six months to help proactively prevent any additional identity fraud * Provide credit dispute assistance * Assist with additional lost items including driver s license, library, and other membership cards.

7 Legal Services Plan Initial phone consultations Initial face-to-face consultations Review of independent legal documents (6 page maximum per document) Preparation and annual updates of a Simple Will Access to state specific, web based Living Will form Assistance in small claims court self-representation Assistance with government program issues including INS and Welfare Attorney letter writing on your behalf (one letter limit per legal matter) Attorney phone calls on your behalf (one phone call per legal matter) Deeply Discounted Legal Services Include**: The following services will be provided by plan attorneys for a one-time deeply discounted fee realizing savings that range from 50-80%. Legal Services Member Rate Non Member Rate Traffic Ticket Defense $89.00 $ Name Change $ $ Simple Will with Minors Trust $ $ Chapter 7 Bankruptcy $ $ Non Support (Spouse/Child) $ $ Simple Divorce $ $ Regular Incorporation $ $ Personal Real Estate Closing $ $675.00

8 Travel & Leisure Discounts How It Works BonusWeeks.com is available to selected companies or member-based organizations hoping to enhance their on-going benefit and/or wellness program. While it s a novelty these days to speak with a live person, at BonusWeeks.com, we understand the importance of a vacation. We have an entire staff dedicated to ensuring the best possible experience for every caller and will not hide behind a point and click booking engine, or bury our phone number. Instead, our on-site Vacation Specialists work directly with your employees, helping them plan their ideal vacation. Once an individual receives their Corporate Invitation Code, they can log onto BonusWeeks.com and register. After registration, they re able to search our collection of featured resorts by location, and call a BonusWeeks.com Vacation Specialist to ask questions or book a vacation. Bonus Weeks will correspond monthly with promotions, new resorts and travel information. All Bonus Weeks members have the option to opt out of monthly updates. We do not share user information with any other company. It is kept confidential. Grandview at Las Vegas Mayan Palace Grand Mayan Grand Luxxe Save up to 70% Las Vegas, NV 1 Bedroom Suites Save up to 70% Various Cities, Studios Save up to 84% Various Cities, Studios Save up to 80% Various Cities, Studios Save up to 83% Fiesta Americana Grand Hacienda del Mar The Ridge at Lake Tahoe Hilton Grand Vacations Club at SeaWorld Cabo San Lucas, 1 Bedroom Suites Save up to 65% Cabo San Lucas, 1 Bedroom Suites Save up to 78% Stateline, NV 2 Bedroom Units Save up to 48% Orlando, FL 1 Bedroom Suites Save up to 44%

9 Roadside Assistance In the event of a breakdown, your customers need a comprehensive and rapid response service network. Roadside Protect utilizes a broad network of contracted, insured service providers throughout the US, Canada, and Puerto Rico to handle all types of vehicle disablement services. Coverage is provided 24 hours a day, 365 days a year for automobiles, commercial trucks, motorcycles, and other vehicles and gives your members roadside assistance benefits customized to your needs. Towing When a member s vehicle is disabled due to a mechanical breakdown or covered disablement, Roadside Protect will arrange and provide towing services up to an allowed distance to a designated service facility. Jump start / battery service When a member s vehicle experiences battery failure, Roadside Protect will provide a jump-start. If it is unable to be started, Roadside Protect will arrange and have it towed to the nearest service facility. Tire change / flat tire assistance If a members vehicle has an inflated spare tire, it will be installed to replace a flat tire. If the vehicle has two or more flat tires or the member does not have an inflated spare, Roadside Protect will arrange and have it towed to the nearest service facility. Fuel delivery If the member s vehicle becomes disabled due to running out of fuel, Roadside Protect will arrange to have them delivered to the member s location. Extracting / Winching Roadside Protect provides for the extraction or winching of the member s vehicle when it can be reached from a regularly maintained public roadway. Basic locksmith services / lost key / lockout When a member loses a key or locks them in their vehicle, Roadside Protect will send a qualified professional to cut new keys or gain entry in to the member s vehicle. Included in the plan: 24x7 dedicated sign & drive dispatch service 2 uses per year $50.00 maximum reimbursement