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TRANSCRIPT
Member Benefits
Health Wise
Table of Contents
Patient Advocacy .......................................................................................... 2
Telemedicine .................................................................................................. 4
Discount Prescription Program ...................................................................... 7
Vision Discount Program ............................................................................... 8
Vision Member Agreement ............................................................................ 9
Health Wise is not insurance it is a combination of discounts and consumer health advocacy programs. You must pay for services as rendered. Neither Health Wise, AccessOne Consumer Health (the DMPO) or any other participating vendors can or will pay for any services. Any questions regarding Health Wise should be directed to: (800) 493-4240.
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Health CarePrograms
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Patient Advocacy
Kare360
With a suite of services from Healthcare Navigation to Medical Bill Negotiation to Surgery Cost Saver, Kare360 provides comprehensive, expert services to its client companies and members. Kare360 helps lighten the load many are forced to bear as they navigate today’s complicated healthcare system.
Healthcare NavigationKare360 members never face the healthcare world alone. Each member is provided an expert Advisor to help address healthcare needs and concerns.
Kare360 Advisors Will:
• Findqualityphysicians,specialistsandsurgeonsinyourareawhofocusonyouruniquehealthcare needs.
• FindalternativecareinareaslikeChiropractic,Acupuncture,HomeopathicandNaturopathic.
• Providecostestimatesforvariousoutpatientproceduressoyouknowwhattoexpect.
• Scheduleprimarycareandspecialistvisits,labs,imaging,flushotsandmore.
• Organizetheseamlesstransferofyourmedicalrecordsbetweenproviders.
• Helpclarifyhealthinsurancebenefitsaswellashelpresolveissuesandexpeditesolutions.
• Helpwithfindingassistedlivingfacilities,homehealthcoordination,Medicarequestions,VAbenefits,supplementalinsuranceandmore.
On-staffChaplainsareavailabletospendtimewithyouonthephone, listeningandprovidingsupport.Sustaining,guidingandhealing,Chaplainshelpyoufindanswersand direction.
AdvisorsareavailableMondaythruFriday,9:00a.m.–5:00p.m.centraltime.
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Patient Advocacy
Medical Bill NegotiationMedicalbillsarethelargestcauseofbankruptcyintheUnitedStates.OurexperiencedAdvisorscanhelpyouaddressthecosts of healthcare.
Surgery Cost SaverEachKare360memberhasaccesstoanexperiencedon-siteRegisteredNursewhoresearchesuptofivesurgicalfacilities for non-emergency procedures in the member’s area with information regarding:
• Cost• Quality• Availability• Physicianprivileges
With Surgery Cost Saver, members see an average maximum savings of $13,000. Advisorshavefounda64%differencebetweenthehighestand lowestquotedsurgerycosts between facilities.
Disclaimer:Kare360 isnot insuranceanddoesnotprovide funds topay forbills.This isabest-effortsservice.DespiteKare360’sdiligenteffortsonmember’sbehalf,someprovidersrefusetomakeaccommodationstohelpresolveoutstandingmedicalbills.Otherlimitationsandexclusions may apply. Please contact Member Services for complete details.
Kare360 Advisors:
• WillassignadedicatedPatientAdvocatetoworkdirectlywithyourhealthcareprovider(doctor’soffices,hospitals,etc.)tohelpreducetheirmedicalbills.Allbillsmustberelatedtoasinglemedicalincidentandout-of-pocketmedicalservicesmustexceed$2,000.
• Cannegotiatepotentialmedicalcostsbeforeaprocedure.Membersprovideawrittenestimate (medical bills must be estimated to exceed $2,000) and Advisors will pre-negotiate the potential medical bills easing stress and saving money.
Kare360 has unparalleled results negotiating discounts.Members can see up to 65%averagesavingswithinsuranceand85%averagesavingswithoutinsurance.
Let Kare360 help point you in the right direction and start saving today. Call (855) 527-3360 or email [email protected] to learn more.
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TelemedicineTeladocTM
Teladocwasfoundedin2002andisthefirstandlargesttelehealthproviderin thenation.Teladoc’sboardcertified,U.S.-baseddoctorscanresolvemanymedical issues,24/7,365daysa year, through theconvenienceof phone or video consults. Teladoc doesn’t replace your primary care physician, but is a convenient option for quality care when needed.
In recent years, telehealth and telemedicine have gained increasing attention and is regarded as a viable part of a national health care solution to reduce costly and unnecessary urgent care and ER visits. Industry experts consider Teladoc a convenientwayforpatientstoaccessqualitycare24/7.Teladoccanbeaccessedfromhome,work,onvacationorwhiletravelingintheU.S.orinternationally.YoucanuseTeladocasoftenasneededandthereisnolimitonthenumberofyourdependentsthatcanuseTeladocservices.Withanationalnetworkofexperiencedphysicians,youdon’tneedtowaitforcareandwillalwaysspeakwithdoctorswhoarelicensedinyourstate.
About Teladoc’s Doctors
Advantages of Teladoc
Teladoc doctors are U.S.-based and board certified in internal medicine, pediatrics, familymedicineandemergencymedicinewithanaverageof15yearsofpractice.Teladocmanagestheirownnetworktoassurehighqualitycareanddirectlycontractswiththeirphysiciannetwork.Doctors are verified through theNational Practitioner Data Bank and the AmericanMedicalAssociationBoardcertification,aswellasathoroughreviewoftheirworkhistory,peerreference,Statelicenses,monthlystatesanctionreports,DEAlicense,andcriminalandcivilbackground.Teladoc’snetworkofphysiciansareconstantlyreviewedtoensureyoureceiveahighlevelofquality care.
97%Teladoc Physician Satisfaction Rate
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Talk to a doctor anytime, anywhere
Receive quality care via phone or online video
Prompt treatment, average call back
in 17 minutes
A network of doctors that can treat children of
any age
Secure, personal and portable
electronic health record (EHR)
No time limiton consults
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1 hourGuaranteed Response Time
91%Patient Issues Resolved
97%Member Satisfaction
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Telemedicine
Get the Care You Need with Teladoc
MakingAccessEasy
How to Register on the Teladoc App
90%ofmembersresolvetheirmedicalissuewithTeladoc.Unlikenurse-runcallcenters,Teledocdoctorscandiagnose,recommend treatment, and prescribe medication, when necessary.
WithTeladoc,youcanrequestaconsultanytimeonlineorbyphone.Teladocoffersthelatestininnovationwith their mobile applications in Apple and Android platforms allowing you to set up, access and manage your account, as well as conduct video consults from your mobile device. Data and transaction security is a highpriorityforTeladoc.Theyemployleadingedgetechnologiesandsafeguardstokeepyourdatasecure.Attheendofeverycall,thedoctorcheckstomakesureallquestionsareanswered.
TheMessageCenterenablesTeladocphysicianstofollowupwithyouwithinasecureportalandyoucanaskthedoctorfollowup questions, if necessary. The doctor can also send you easy-to-understand educational material to help you understand yourspecificdiagnosisandpostconsultcaredirections.Inaddition,withyourconsent,Teladoccanprovideinformationaboutconsults to your primary care physician.
Conditions Treated Prescription Management
• Sinus Problems• Urinary Tract Infection• Pink Eye • Bronchitis • Upper Respiratory Infection• Nasal Congestion• Allergies• Flu• Cough• Ear Infection
• Electronic prescribing (SureScripts) or by phone, if needed
• Frequency of prescribing lower than same diagnoses when comparing best provider practices (about 80% vs. 83%)
• Use of antibiotics limited to short durations; patient education and physician reminders for appropriate use
• No prescribing of DEA-controlled substances, medication for psychiatric illness, or lifestyle drugs (i.e erectile dysfunction, diet, smoking-cessation)
• Generic drugs are automatically recommended
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1 Clickon“SetUpaTeladocAccount”
2 Fillinyourname,emailaddress,phonenumber and date of birth
3 Clickthebuttonfor“IhaveTeladocthrough”andselect:Company/PromoCode
4 Onthenextscreenenter“Homeland”as the Promo Code (Homeland needs a capital“H”)
At the next screen you will complete your registration.
• Dermatology• Behavioral health
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Telemedicine
HowDoesTeladocWork?
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Medical HistoryYou are required to set up an account and complete your medical history online at www.teladoc.com, by calling (800) 835-2362. Enter “Homeland” as the Company Code/Member ID.
Talk with a PhysicianA board-certified physician licensed in your state reviews your medical history and provides a consultation over the phone or through video, similar to an in-person visit.
Request ConsultSimply log on to your account or call Teladoc, 24/7/365, to request a telephone or video consultation.
Resolve the IssueThe physician recommends the right treatment for your medical issue. If a prescription is necessary, it is electronically sent to your pharmacy of choice.
Continuity of CareThe physician documents the results of the consultation in your medical history. Consultation information can be sent to your primary care physician.
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Teladoc is not available in AR.
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Discount Prescription ProgramCare Rx CardYour membership includes Care Rx—a Discount Prescription Card.TheRxprogramisdesignedtooffermaximumdiscountson your prescription medication needs.
• 39DollarGlasses.com–Choosefromhundredsofdifferentframestylesandlenstypeswhilesavingmoneyonyour prescription glasses. Coupon Code: 25dollarglasses
• ProSmileUSA.com–Dentalgradewhiteningkitsthataresenttoyoudirectwithsavingsofabout70%overthecostofacosmeticdentistofficevisit.
• DiabeticSavingsPlan.com–Saveupto50%ondiscountdiabeticsuppliesmaileddirectlytoyou,savingyoutime and money.
• USHearingPlan.net–Thisdiscounthearingprogramiscommittedtoprovidinghearingaidsandsupplieswithsavingsashighas50%.
Additional Savings and Discounts:
Thisprogram/cardisadrugcoupon.THISISNOTINSURANCE.ThisisnotaMedicareprescriptionmedicationplan.
Participating Pharmacies Include:
• Savingsofupto75%onprescriptionmedications.• Acceptedatover56,000pharmaciesnationwide,
including most major chains.• Anopenformularysonearlyallmedications
qualify for discounts. • Discountsonbrandandgenericmedication.
• CVS/Pharmacy• Walgreens• Albertsons• Walmart• Kroger
• TomThumb• Target• WinnDixie• RiteAid
TheCareRxCardFeatures:Visit www.carerxsavingscard.com to:• Locateparticipatingpharmacies• Lookupdrugsandpricing• PrintadditionalRxcardsforfamilymembers• Getanswerstocommonlyaskedquestions• Accessadditionalsavingsanddiscount
programs
To locate participating pharmacies:1. Go to www.carerxsavingscard.com 2. Clicktab:PHARMACYSEARCH3. EnterZipcodetofindpharmaciesnearyou
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Vision Discount ProgramOutlook Vision Services*OUTLOOKVisionServicesisadiscountprogramthatprovidessubstantialsavingsofftheregularretailpriceforeyewearat participating providers.
OUTLOOKVisionServicesoperatesinallfifty(50)statesasadiscountnetwork.TheOUTLOOKprovidernetworkiscomprisedofwell-knownnationalandregionalvisioncarecenters,independentoptometristsoropticians,smallandlargeretailopticalcentersand“one-hour”typeopticalcenters,oneormorewhichmaybefoundinyourcommunity.Each approved provider is carefully selected through a stringent process to assure the program’s standard of quality is not compromised. All locations are licensed and trained in the use of the latest equipment and techniques and offerthehighestqualityproductsandservices.Allproviderscarryup-to-datetopofthelineinventoriesfromleadingmanufacturers.
This vision program is NOT insurance. It is a discount program. You are responsible for the full cost of any health care services purchased. You will receive discounts for medical services at certain health care providers who have contracted with the program. Members have the right to cancel registration within a thirty-day period. This program does not make payments directly to health care providers. A list of all program providers with in the prospective cardholder’s service area which includes their name, city & state, and medical specialty is available prior to purchase, upon request. Discounts for hospital services are not available. This program is administered by Access One Consumer Health, your Discount Medical Plan Organization, 84 Villa Rd. Greenville, SC 29615 www.accessonedmpo.com. The program and its administrators have no liability for providing or guaranteeing service or the quality of service rendered.
Savings You Can See• Save10%to50%offtheretailpriceofeyewearincluding:prescriptionglasses,contactlenses,non-prescriptionsunglasses,
and accessories. Minor eyewear adjustments included.• Conventionalcontactlensesareofferedat5%to20%offtheregularretailpricewhenpurchasedatmostapproved
OUTLOOKopticalcenters.(Notallopticalcentersdispensecontactlenses).ContactlensesarealsoavailablethroughOUTLOOK’suniquemail-ordersystem.
• Savingsoffstandardfeesonvisioncorrection(Laser/Lasik)surgeryatselectedlocations,whereapproved.• Over11,800opticallocationstochoosefromnationwide.• Specialdiscountsoneyeexaminationsatselectedlocations,whereapproved.• Membershipincludesyourentirefamily.• Nolimitonselection-nolimitonquantities.• 100%guaranteedsatisfaction
AsanOUTLOOKmember, youmaychoose fromourentirenetworkofeyecareprofessionalsconsistingofwell-knownopticalretailerssuchasmost:CohenFashionOptical,D.O.C.Optics,Dr.Tavel’sOneHourOptical,EyemartExpress,ForEyesOptical,General Vision Services, J.C. Penney Optical, LensCrafters, National Vision Centers located inside some Walmarts, Pearle Vision (Express),SearsOptical,ShopkoOptical,SiteForSoreEyes,SterlingOptical,TexasStateOptical,VisionWorks,andWalmartVisionaswellas independentopticalcenters inseveralareas.WiththousandsofOUTLOOKeyecarecentersnationwide,chancesarethereisonenearyou.SimplycallOUTLOOKtollfree(800)-342-7188orvisitwww.outlookvision.comforthelocationnearestyou.
YourIDcardisallyouneedtouseyourOUTLOOKdiscountbenefit.SimplytakeyourcurrentvisionprescriptiontoanyOUTLOOKprovider to purchase your new eyewear and pay the discounted amount directly to the provider at the time of purchase. A nominal dispensing fee may apply in certain areas.
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Vision Member Participation AgreementAsamember,YOUhaveelectedtobecomeaparticipantinaDiscountMedicalPlan(DMP)providedbyAccessOneConsumerHealth,Inc.BelowarethetermsandconditionsofyourOutlookVisionmembershipintheAccessOnediscountmedicalplan.ThisagreementisbetweenyouandAccessOne.
ThisMembershipAgreementiseffectiveasofthedateindicatedonyourMembershipIDcardandshallcontinuefrommonthtomonthuntilyounotifyAccessOneorHomelandHealthCareofyourcancellation.Inaddition,youremployermustbenotifiedanyfurtherpayrolldeductions.
DISCLOSURES:• This is not an insurance policy;• Discounts are provided at certain healthcare providers for healthcare services;• AccessOne does not make payments directly to the providers of healthcare services;• You are obligated to pay for all healthcare services but will receive a discount from healthcare providers who have contracted
with Accessone;• AccessOne is located at: 84 Villa Road, Greenville SC 29615 www.accessonedmpo.com
Youmayfindalistofparticipatingprovidersat:www.accessonedmpo.comoryoumaycallMemberServicesat(800)493-4240.Youwillbeabletoapplyplandiscountstoallparticipatingprovidersofeachparticipatingnetwork.Thisplanincludesdiscountsforvisioncareitemsandservices.The list and description of these services and the fees associated with each is included at www.WBIMembershipVP.com and which by reference becomes part of this Member Participation Agreement.
You will be billed at the time of service by the participating provider who will apply the applicable discounts to that bill. In no instance can AccessOne makepaymentsdirectlytotheprovideronyourbehalf.Yourparticipation intheplanwillcontinuefrommonthtomonthuponpaymentofyourmonthlyduesandshallceaseupon(i)yourfailuretomakethemonthlypayment;or(ii)notificationinwriting(USPS,emailorfacsimile)ofyoudesiretocancelto:825MarketStreet,Suite300,Allen,TX75013,Fax(214)953-1101.Inaddition,youremployermustbenotifiedanyfurtherpayrolldeductions.
You have the right to terminate participation in the program at any time. If you do so within 30 days of receipt of your membership materials you will receive a full refund of all fees and or dues paid to participate in this DMP.
This program includes all members of your household (you your spouse and legal dependants). You are not required to list your dependants to participate in the plan.
If you have a complaint regarding the plan you may go to www.accessonedmpo.com or call 800-896-1962. You may also write to AccessOne ConsumerHealth,Inc.84VillaRd.Greenville,SC29615.Thecomplaintwillbeaddressedandyouwillreceivearesponsewithin15days.
This Agreement and its endorsement(s) represent the entire agreement between you and AccessOne Consumer Health, Inc. and supersede all other prior representations, statements, or written agreements between you and Accessone.
ALASKA RESIDENTS:ThisplanisnotavailabletoAlaskaresidents.ILLINOIS RESIDENTS: If you have a complaint you may contact the Illinois Department of Insurance.MASSACHUSETTS RESIDENTS: This plan is not insurance coverage and does not meet the minimum credible coverage requirements under M.G.L.c.111M&956CMR5.00;therangeofdiscountsforspecifiedmedical,pharmacyorancillaryservicesprovidedundertheplanwillvarydependinguponthetypeofproviderandthetypeofservicesreceived;thisplandoesnotmakeanypaymentstoprovidersforservicesreceived.MONTANA RESIDENTS: This plan is not available to Montana residents.TEXAS RESIDENTS: This is NOT insurance. Discounts are only available at participating pharmacies. By using this card, you agree to pay the entire prescription cost less any applicable discount. Savings may vary by drug and by pharmacy. The program administrator may obtain fees or rebates from manufacturers and/or pharmacies based on your prescription drug purchases. These fees or rebates may be retained by the program administrator or shared with you and/or your pharmacy. Prescription purchased through this program will not be eligible for reimbursement through Medicaid,Medicareoranyothergovernmentprogram.Thisprogramdoesnotguaranteethequalityoftheservicesorproductsofferedbyindividualproviders.Wedonotsellyourpersonalinformation.Callthemembertoll-freenumberonthebackofyourIDcardtofileacomplaintrelatedtothisprogram.RegulatedbytheTexasDepartmentofInsurance,P.O.Box12157AustinTexas78711:telephone1-800-252-3439or(512)463-6515;website: www.tdi.state.texas.com.UTAH RESIDENTS:ThisprogramisnotcoveredbytheUtahHealthInsuranceGuaranteeAct.VERMONT RESIDENTS: This plan is not available to Vermont residents.WEST VIRGINIA RESIDENTS:IfafterreceivingourresponseandyouarenotsatisfiedwiththeresolutionyoumaywriteorcalltheWestVirginiaInsurance Commissioner.
