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24 Hour
Automobile Roadside Assistance
Roadside Assistance is available 24 hours a day, 365 days a year to assist
members when owned or leased vehicles are disabled as a result of
unavoidable circumstances. Members will only have to pay for any
non-covered expenses or covered costs in excess of the 15 miles per
occurrence maximum. Coverage is extended to the member, spouse, and
dependent children up to 21 years of age permanently residing at
registered address when driving any vehicles that they own or lease for 12
months or longer.
Highlights
-
Available 24 hours a day, 365 days a year -
Up
to 15 miles towing (up to $80 retail value) per occurrence maximum for
covered charges> -
Covers Member, spouse and dependent children up to age 21 permanently
residing at registered address when driving any vehicles they own or
lease (12 months or longer) -
Towing Assistance -
Flat Tire Assistance -
Fuel, Oil, Fluid and Water Delivery Service -
Lock-out Assistance -
Battery Assistance -
Collision Assistance
FAQ's about 24 Hour Automobile Roadside Assistance
Aetna Dental Access®
Highlights
-
Members save 15% to 50%*
on everything from general dentistry and cleanings to root canals,
crowns and orthodontia. -
Over 76,000 ** dental
practice locations. -
Save on routine dental
services such as x-rays and fillings. -
Save on specialty care
such as orthodontics and periodontics where available.
Before scheduling an
appointment, the member will call the number on the back of their card to
speak with a Patient Advocacy representative. The representative
will contact providers in the network to ensure the dental office
understands the Dental Care discount card and is accepting new patients.
The representative will
then contact the member to provide several different dental care locations
so the member may select the provider that most meets their specific needs
and book an appointment.
Dental benefit is not
available to VT residents.
*Actual costs and savings
vary by provider and geographical area.
** According to the Aetna Enterprise Provider
Database as of October 1, 2008.
The discount program
provides access to the 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 discount
program. Neither ALIC nor any of its affiliates is an affiliate,
agent, representative or employee of discount program. 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.
Teeth Whitening
Kits from Bright and White, inc.
-
Save 75% on professional
teeth whitening kits -
Custom-made tray from
personal impressions -
No Dental Visits -
Direct to you by
Priority Mail -
Bleaching gel is great
for sensitive teeth
Find an
Aetna Dental Provider
that is closest to you.
FAQ's
about Aetna Dental Access®
Here are some
example of savings
that the Aetna Dental Access®
plan
can get for you.
Dental Care Statistics
Alternative Health and Wellness
The integration
of alternative medicine into conventional western medicine is quickly
revolutionizing the landscape of the American healthcare system.
Patients and providers are increasingly using alternative methods of care
that do not rely on invasive procedures or long term use of
pharmaceuticals. The Alternative Medicine Network is one of the nation's
leading providers of integrative medicine. Our national network of over
16,000 practitioners provides care to millions of members all across the
country.
Highlights
-
10% to 30% savings on all treatments and services -
Over 16,000 practitioners in the network -
Over 35 different practitioner disciplines -
Services include Acupuncture, Nutritional Counseling,
Massage Therapy, and Holistic Medicine as well as popular Exercise and
Movement specialties including Yoga, Tai Chi, Pilates and more -
No limits on the number of visits
Find an
Alternative Medicine provider
that is closest to you.
FAQ's about Alternative Medicine
Alternative Medicine Statistics
Chiropractic
Care
Members save 30% to 50% at over 3,000 participating Doctors of
Chiropractic nationwide.
Highlights
-
Free initial consultation -
50% savings on diagnostic services -
50% savings on x-rays performed on-site (if necessary) -
30% savings on treatment and other services -
Unlimited access to care with no limits on the number of visits -
Over 3,000 providers nationwide -
Each chiropractor’s licensure and insurance are carefully verified
before being accepted in the network -
Items such as vitamins and durable goods are priced at the doctor’s
discretion
Members may choose from more than 3,000 participating
Chiropractors. Members enjoy a variety of savings and services including a
free consultation, 50% savings on diagnostic services, 50% savings on
x-rays performed on-site and 30% savings on treatment and other services.
Also, members have unlimited access to care with no limits on the number
of visits. Each chiropractor’s license and insurance are carefully
verified before being accepted in the network. Items such as vitamins and
durable goods are priced at the doctor’s discretion.
Chiropractic is not available to VT residents.
Find a
Chiropractor provider
that is closest to you.
Here are some
examples of savings
that the Chiropractic plan
can get for you.
FAQ's about Chiropractic Care
Chiropractic Care Statistics
Credit Co-PilotTM:
Credit Management Solutions
CreditCopilotTM
provides members with unparalleled access to advanced financial planning,
debt management and credit analysis tools that go beyond simple credit
reporting, dispute resolution or debt payoff calculations.
For starters, we work with you and the credit agencies to
help eliminate inaccurate or improper items on your credit reports. We
also help you manage annoying creditors, move toward becoming debt-free,
and start saving for the future with dedicated planning and analysis
tools.
Highlights
-
Financial management, analysis and planning tools for
evaluating impact of credit and debt on your short and long term plans -
Direct access to all 3 credit
reports with centralized dispute console -
Professional dispute and inquiry letters coupled with
paperless processing -
Seamless workflow for dealing with multiple agencies,
creditors and disputes -
Educational tools for understanding your
credit, your legal rights and various options available to you
CreditCopilot TM
is much more than a simple system for reviewing your credit reports. If
helps you organize, classify and act on the information that may be
contained in any of the three credit reports. It arms you with the
knowledge and tools necessary to maintain accuracy of the reports. It
takes you even further with proprietary worksheets and “what if”
simulators that will help you analyze your finances, create actionable
plans and evaluate your progress along the way.
Fitness Advantage
Fitness Advantage offers an opportunity to get a head start on a healthier
lifestyle through access to International Fitness Club Network (IFCN), a
network of high quality health and fitness clubs at affordable rates.
Highlights
-
Members are assured the club's "lowest membership rate for the type of
membership selected." -
Members receive a one-week introductory trial membership certificate,
free of charge. This allows members to try several participating clubs
for one week each, giving the opportunity to truly experience the club
and its facilities. (Not to be combined at the same club.) -
Available in all 50 states with over 7,000 participating health clubs
worldwide. Some of the largest club
chains in the country are members of the IFCN, including Bally Total
Fitness, Jazzercise, LA Fitness and Lifetime Fitness. -
Members may access the member service website or call the toll-free
number 24 hours a day, 7 days a week to speak with a trained member
service representative concerning various club locations and facility
information. -
IFCN also offers
discounts on fitness equipment from 2nd Wind Fitness and
Bigfitness. -
Health and Fitness Clubs are required to meet the American College of Sports Medicine's
health and safety standards. -
Dues are to be paid directly to the club, in accordance to the signed
membership contract.
*IFCN is piloting a
program in IL, WI, IA and MN where certain clubs, designated as “IFCN
Preferred Clubs” offer the option to join these clubs directly through
IFCN via the web portal. In these cases, all dues and fees are owed
to IFCN.
FAQ's about
Fitness Advantage
Fitness Advantage Statistics
Legal Care Direct
The
legal benefit is provided by a nationwide discount legal referral service.
Attorneys in our network have an average of 19.4 years of experience.
Highlights
-
A
nationwide network of over 20,000 attorneys -
Plan
attorneys will either charge $125.00 per hour, or when appropriate, give
members a 40% discount off their usual and customary hourly rate
Nine (9) Free
Services which include:
-
Unlimited initial phone consultations for new legal matters -
Initial one-on-one consultations for new legal matters -
Attorney review of independent legal documents (6 page max.) per new
matter
-
When appropriate, network attorneys will write letters on member's
behalf
-
When appropriate, network attorneys will make phone calls on member's
behalf
-
Assistance in solving problems with government programs such as welfare
and INS
-
Assistance with small claims court representation -
Free simple will with annual updates
-
Additionally, members have online access through the Legalclub.com
website to prepare a free living will (advance healthcare directive)
Capped fees* on eight (8) commonly used legal services, which include:
|
Traffic Ticket Defense |
$ 89.00 |
|
Name Change |
$ 155.00 |
|
Real Estate Closing |
$ 250.00 |
|
Chapter 7 Bankruptcy |
$ 750.00 |
|
Simple Divorce |
$ 275.00 |
|
Simple Will with Trust |
$ 250.00 |
|
Non-support (spouse/child) |
$ 275.00 |
|
Regular Incorporation |
$ 295.00 |
Prices are subject to change without notice and may vary by region.
*Costs and filing fees additional, specific definitions apply.
Here are some
examples of savings
that the Legal Care Direct plan
can get for you.
Legal Care Statistics
FAQ's about
Legal Care Direct
LifeLock ™
Over 10
million Americans will be victims of identity theft this year. LifeLock is
the leader in proactive identity theft protection, protecting over 1
million members nationwide. LifeLock is a proactive service that works to
reduce the risk of identity theft and backs it up with a $ 1 million total
service guarantee, in the event your identity is compromised.
LifeLock
requests free fraud alerts with the major credit bureaus on your behalf
and then renews them every 90 days. LifeLock also requests a copy of
your free annual credit report, which will be sent directly to you.
LifeLock also helps reduce junk mail and removes you from the pre-approved
credit offer lists.
LifeLock’s
WalletLock™ service is also included with your membership.
If
you lose your wallet, a WalletLock specialist will help contact each
credit card, bank or document issuing company, cancel your affected
accounts and complete the paperwork and steps necessary to replace your
lost documents (excluding money and pictures), including your credit/debit
cards, driver’s license, Social Security card, insurance cards, checkbook
– even travelers checks - at no additional cost to you. LifeLock’s
eRecon™ service also works to protect you by searching criminal websites
for online selling and trading of your information and notifying you if
anything is found; and TrueAddress™ will notify you when a change of
address is filed in your name.
Highlights
-
Free Fraud
alerts are requested on your behalf to the major credit bureaus - when
anyone tries to use your credit the merchant is advised to take extra
precautions to verify it’s you and only you making the request. -
A reduction in junk mail. -
Fewer pre-approved credit card solicitations. -
WalletLock™ assists you in the event your wallet is lost or stolen. -
eRecon™ searches for your information being sold or traded online. -
TrueAddress™ notifies you when a change of address is filed in your
name. -
$1 million total service guarantee – if your identity is stolen while you’re a
client, we will do whatever it takes to recover your good name and spend
up to $1 Million to do it.
FAQ's about
LifeLock
Pharmacy Discount Card
The
neighborhood pharmacy program assures members the lowest price on
prescription drugs, saving 10% to 60% on most prescriptions.
It's simple to use. The member simply presents the membership card to the
pharmacist with the prescription. The pharmacist calculates the discount
and the member pays the discounted price. No other forms required.
Highlights
-
10% to 60% savings on most medications. -
Over 60,000 national and regional pharmacy chains participate as well as
independent pharmacies. -
No pharmacy program is complete unless it includes both retail locations
where members may fill acute care medications and a mail order program
so members may optimize their savings by purchasing maintenance
prescriptions in 90 day supplies to treat ongoing ailments. -
Do not call the pharmacy for price
quotes. Prices may change from day to day and they cannot be given over
the telephone. Visit
www.rxpricequotes.com to
look up drug prices by location.
Find a
Pharmacy
provider
that is closest to you.
Participating Pharmacy Chains
Here are some
examples of savings that the Pharmacy Discount Card
can get for you.
Drug Pricing (by location)
FAQ's about
Pharmacy Discounts
**Pharmacy Discounts ARE NOT INSURANCE and are not intended as a
substitute for insurance.
***The discount is only available at participating pharmacies.
TelaDoc ™
TelaDoc™ is a national
network of board certified physicians providing cross coverage
consultations 24 hours a day, 365 days a year. TelaDoc™ physicians
use medical records and telephone consultations to diagnose, recommend
treatment and write short term prescriptions, when appropriate.
TelaDoc™ does not replace the existing primary care physician
relationship, but instead enhances it with an efficient, cost-effective
alternative for minor medical problems.
Members can access this service
wherever they happen to be: home, office, hotel room, or vacation
campsite. Members simply make a phone call and, in most cases, speak to a
doctor within three hours.
Highlights
-
On-Demand access to healthcare -
Telephone access to a physician from any phone, 24 hours
a day, 7 days a week
-
Physicians diagnose routine medical problems and
prescribe short-term medication when appropriate -
A physician will contact the member within three hours -
No more waiting until next week to receive medical
attention -
No outrageous fees or unexpected charges -
No consultation fee – far less expensive than the cost of
a primary care physician visit ($80 – $100 average) -
Most medical issues can be resolved from any remote
location -
Reduce the number of hours spent away from work therefore
increasing productivity -
Easy method of payment debit/credit card or ACH (if
utilizing phone registration) -
Prescriptions phoned into the member's local pharmacy -
You may complete your Medical History Disclosure online
for FREE. There is a $12 charge if completed over the
phone. -
Patient access to portable electronic health records with
HIPAA compliant secure servers -
Portable Electronic Health Record (EHR) - FREE
TelaDoc™ does not prescribe DEA controlled substances or lifestyle drugs.
For a list of DEA controlled substances,
click here.
TelaDoc™ is not available to visitors or residents of the state of OK.
TelaDoc™ provides services for members 10 years of age or
older.
TelaDoc™ does not replace your primary care physician.
VIP Health and
Wellness
Vitamins
Vitacost.com is your
one-stop shop for thousands of top brand vitamins, supplements, herbs,
organics and natural health care products at up to 80% off retail
everyday. Choose from over 400 brands and 12,000 items in stock and enjoy
savings of 10% on the already low prices. Members can place orders online or
toll free by phone. Most orders ship the same day and every order is
backed by the exclusive 5-star guarantee.
Highlights
-
Toll-free
and online shopping with friendly and knowledgeable customer service
representatives-
Timely, convenient home delivery of vitamins, supplements, and a wide variety of natural health products
-
Choose from brand names you know and
trust such as Natures Way, Twinlab , Enzymatic Therapy
and Country Life -
All purchases include a 30-day unconditional money-back guarantee
FAQ's
about Vitacost.com
Diabetes Care
Through the VIP
Health & Wellness program, members save dramatically over the retail price
of their diabetic supplies. Plans include a premier Glucose Meter, control
solution, test strips, lancets and lancing device. Supplies are shipped
regularly at no additional cost.
Highlights
-
Many different
product packages to choose from based on testing requirements. Product packages are designed
for everyday testing.
-
Product packages are priced
from $29.99/month to $169.99/month, which is 60% off the average
competitors’ retail prices. -
Save an
additional 15% off on any single order items including test strips,
lancets, lancing devices, and more. -
Toll-free
ordering, regular shipments and convenient home delivery on all diabetic
supplies. -
Free shipping on
supplies when product package option is selected.
Here are some
examples of savings that the diabetes care benefit
can get for you.
Vision Care - Coast to Coast Vision Care
Coast to Coast (CTC) Vision has contracted with over 12,000 eye care
locations nationwide. Members save on eyeglasses, contacts, eye exams and
surgical procedures. The CTC provider network
is the most comprehensive in the United States, and includes ophthalmologists, optometrists, independent optical centers
and national chain locations such as Pearle Vision, JCPenney Optical,
Sears Optical, Target Optical, LensCrafters, and EyeMasters.
Highlights
-
Savings of 20% to 60%
on prescription eyewear-
Also, save 10% to 20%
on contact lenses (excluding disposables) at participating retail
locations -
Savings of 10% to 30%
on eye exams -
Save 40% to 50% off
the overall national average on LASIK surgery (PRK and CK available at
select locations) -
Most frames, lenses
and specialty items such as tints, coatings and UV protection are
available -
No limit on the number
of times membership may be used during the year -
Two guarantees - 30
day unconditional money-back satisfaction guarantee and low price
guarantee on eyeglasses -
Members may nominate
their own eye care professional to join the network
*Vision Benefit is not
available to VT residents
Find an
Vision Care Provider
that
is closest to you.
FAQ's
about Vision Care
Here are some
examples of savings that the Vision Care plan
can get for you.
Participating Vision Care Chains
Ophthalmology and Laser Surgery Information
Mail Order Contacts
Vision Care Statistics
DISCLOSURE: THIS IS
NOT INSURANCE, NOR IS IT INTENDED TO REPLACE INSURANCE
Helpful Benefits is proud to work in direct partnership with
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