Comprehensive savings on medical and health care services

Discounts: 20%-45% savings on routine office visits and ancillary medical services such as lab work and imaging centers

Provider network: Over 350,000 doctors at over 750,000 locations

Key features:

• PHCS is the largest proprietary PPO in the country with nationwide access
• Live operators are available to educate members on coverage levels and identify participating network providers, specialists and hospitals - with the end-goal of helping minimize out-of-pocket expenses
• Providers must pass strict credentialing criteria
• PHCS has relationships with providers associated with the majority of specialties

Discounts: 20%-50% savings on most dental procedures including:

• Routine oral exams
• Unlimited cleanings
• Braces
• Dentures
• Root canals
• Crowns
• Bonding
• Veneers and more

Provider network: Over 62,000 participating dentists

Key features:

• One of the largest independently owned dental networks nationwide
• No limits on use, everyone is accepted
• No waiting or administrative forms to file

Discounts: An average discount of 15%-20% on brand name drugs and an average discount of 25% on generic drugs

Provider network: Over 58,000 pharmacies nationwide, including CVS, Kroger, Safeway, Publix, United Drugs, Wal-Mart, Medicine Shoppe, Costco, K-Mart, Winn Dixie, Target, Rite Aid, Walgreens, Savon and more

Key features:

• The prescription discount is automatically calculated and applied to the member's transaction
• A prescription mail order service is available for convenient home delivery
• The WellDyneRx Web site allows members to check prescription prices, locate a participating pharmacy, receive alternative prescription recommendations, review health and wellness information, refill a prescription and receive refill reminders

Discounts: 20% off eye exams and prescription frames and lenses, and 15% off prescription contact lenses

Provider network: Over 34,000 participating providers at over 23,000 locations

Key features:

• VSP is one of the nation's largest eye care doctor networks

Discounts: 40%-50% off the overall national average cost of LASIK vision correction surgery. Plus, LASIK vision correction surgery can provide members with savings of thousands of dollars over several years by eliminating or reducing the need for glasses and contacts.

Provider network: Over 710 locations nationwide

Key features:

• A free consultation, pre-operative exam and post-operative appointments
• Fully refundable deposit (even if the member decides not to have the surgery)
• Nationwide access to board certified ophthalmologists using state-of-the-art, FDA approved LASIK vision correction technologies
• Interest-free financing plans up to four months or payments as low as $42 per month available to qualified candidates

Discounts: 15% off the retail price or 5% off the promotional price of LASIK procedures

Provider network: A national network of over 570 locations

Key features:

• Preferred pricing available for Traditional LASIK, Custom LASIK, Traditional IntraLase and Custom IntraLase
• The National Lasik Network's surgeons have performed over one million LASIK procedures to correct nearsightedness, farsightedness and astigmatism

Discounts:

• 10%-30% savings on chiropractic services and many types of alternative health care therapies including:
  • Acupuncturists
  • Biofeedback
  • Chiropractors
  • Dieticians
  • Exercise specialists
  • Herbology and herbal medicine
  • Holistic health practitioners
  • Massage therapy
  • Body work
  • Meditation
  • Nutritional counseling and supplements
  • Personal trainers
  • Reflexology
  • Relaxation treatment (including hypnotherapy)
  • Tai chi and chi gong
  • Vitamins
  • Yoga and more
• 25% savings on vitamins and nutritional supplements

Provider network: Complete wellness program features over 30,000 practitioners nationwide, including:

• Over 14,000 chiropractors
• Over 16,000 qualified alternative health care providers

Key features:

• Unlimited visits and no limits on access to care
• Toll-free number to locate network providers nearest you
• Nutritional supplements can be ordered online or through a toll-free number for home delivery

Optum Care 24 provides free nurse, wellness and counseling lines, available 24 hours, 7 days a week, 365 days a year, through toll-free numbers.

Key features:

• 24-hour nurse line staffed with licensed, registered nurses who can provide:
  • 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
  • Access to an 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 staffed with Master’s level counselors
• Access to Optum HealthForums.com, which provides:
  • Information on more than 72,000 national and community resources
  • Information on a wide range of wellness, emotional and mental health concerns such as work life balance, depression, grief and loss, parenting challenges, addictions, stress and anxiety, work-related concerns, nutrition, emotional distress, child and elder care services, marital discord and other relationship problems, and other important wellness topics

Discounts: 20%-75% off the regular retail pricing on blood tests and 20%-70% off diagnostic imaging services

Provider network: Over 5,000 certified labs and over 1,800 diagnostic facilities nationwide

Key features:

• A simple blood test can detect serious medical conditions such as heart disease, prostate cancer, diabetes and thyroid disease
• A doctor's visit is not required to schedule a lab test, and lab work results are confidential
• Diagnostic facilities provide access to MRAs, MRIs, CT scans and PET scans and require a doctor’s orders for imaging

Discounts: 30% savings on hearing exams and services, and approximately 25% discount off hearing aids at any HearPo provider

Provider network: Over 1,600 provider locations

Key features:

• Largest provider of audiology and hearing aid services in the United States
• Over 280 models of hearing aids available, including the newest programmable and digital technology
• Discounts on repairs and batteries
• Comprehensive follow-up services at no charge for one year
• Free demonstrations of the latest technologies
• All testing completed by highly credentialed licensed professionals
• 60-day trial period with 100% money-back guarantee

Discounts: A $1,000 discount for members compared to the regular price for gastric banding weight loss surgery charged to non-members

Provider network: National network of over 100 participating locations

Key features:

• All surgeons are certified by Allergen (Lap Band) or Johnson & Johnson (Realize Band), and both the Lap Band and Realize Band products are approved by the FDA
• Lap Band and Realize Band products typically deliver many health benefits such as weight loss and a reduction in type two diabetes levels

Discounts: In addition to receiving a free blood glucose monitor upgrade, members also have access to a wide array of discounts including:

• 20%-30% off the retail price of durable medical equipment
• 20%-40% off the retail price of disposable medical supplies
• 20%-25% off the retail price of nutritional supplements and daily living aids

Key features:

• Better Living Now is a managed care provider of health care products and services, specializing in the needs of patients with chronic conditions such as diabetes
• No shipping charges for orders that are $100 or more
• Members can receive up to a 90-day supply, and Better Living Now's care coordinators will send a replacement notification before supplies run out
• No complicated forms to fill out
• No inconvenient trips to the pharmacy

HealthCare Mediation has a team of very experienced medical bill negotiation professionals who have the skills and resources to significantly reduce a member's payments for medical procedures.

Discounts: 20% to 40% on a member's medical bills

Key features:

• Members will receive reductions on medical bills without having an adverse effect on their credit
• Members may contact HealthCare Mediation before they seek medical services, after they have been treated and have a medical bill, or if their bills have been sent to collection companies
• If a savings is not received, there is no charge for the service
• There are no minimum bill requirements, and a refundable deposit up to a maximum of $250 may be required
• Financing is available for those who qualify

Discounts: 5%-30% off long-term care services such as assisted living facilities, home health care and hospice care

Provider network: Over 5,000 providers*

Key features:

• Discounts are available for providers and services such as skilled nursing facilities, assisted living facilities, home health care, home health aids, respite care, hospice care, durable medical equipment, physical and occupational therapies, diabetic supplies and equipment, wound care supplies and more
• Full eligibility regardless of your age or medical condition
• No length of stay requirement to receive the discounted rate
• Medicare covered patients pay only their co-pay, and non-Medicare patients receive 25% off diabetic equipment and supplies

*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 if you are receiving services covered by Medicare, Medicaid or worker’s compensation. Some exclusions may also apply for services covered by other health insurance plans.

Key features:

• Professional and knowledgeable assistance to meet your business and personal needs, including:
  • Personal and information services
  • Gift and shopping services
  • Entertainment arrangements
  • Travel coordination
  • Party and event planning
  • Meeting planning and more
• Concierges get to know your individual preferences and needs
• Concierges are available 24 hours a day, seven days a week, 365 days a year and can be contacted by phone, e-mail, fax or online