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Click on the individual program headers to view the details.
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Dental*
Members can save an average of 5 to 30% off dental procedures when performed by a participating dentist. |
ECI (Eye Care International) Vision Care
ECI offers savings of 20 to 60% off participating providers’ normal charges for ophthalmologic services, with discounts on most services such as cataract surgery and the latest vision correction surgeries, including LASIK. Provides a coupon for one free eye exam at a participating provider. |
Physician Program
Take advantage of 5 to 50% off (average 21%) at over 320,000 participating physician locations. |
Hospital Program†
Enjoy savings of 5 to 40% on facility bills at over 2,700 participating hospitals and over 45,000 participating ancillary facilities. Average hospital savings 18% outpatient and 17% inpatient. |
Global MED-NET†
On the chance that you are admitted unconscious to any ER worldwide, Global MED-NET ID helps alert the medical team to call the 24-hour hotline and access your vital medical history. |
Chiropractic Care
Save 5 to 50% off x-rays, and diagnostic services and 5% to 30% off adjustments. |
World Wide Assistance
A 24 hour toll-free emergency service for members while traveling more than 100 miles away from home. Provides Emergency medical assistance, personnel services and pre-trip information. |
Vitamins & Supplements
A leading online retailer, MotherNature.com offers members 15% off their already reduced prices on a selection of over 8,000 natural products, including vitamins, supplements, pet supplies and more. |
Hearing
Receive discounts of 5% to 30% off on services, hearing tests and hearing aids. |
Patient Advocacy†
Call one of our trained Patient Advocates, toll free, who will take responsibility for helping you. Our team will help you to locate specialists, negotiate fees, and reduce confusion when dealing with the healthcare system. Our team does the legwork to make sure that you get the most from your healthcare experience. |
Nurse Hotline
A 24-hour, 7 day a week, toll free help line reaching experienced registered nurses (in English and Spanish) who offer confidential medical counseling and answers to your medical questions. |
Counseling†
Free telephone counseling 24-hours a day, plus three in-office counseling sessions, per family member, at $50. Additional in-office counseling sessions are discounted 25% off usual charges. |
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Prescription Program for Silver Members - Save an average of 23% off brand name drugs and an average of 55% off generics at more than 55,000 participating pharmacies nationwide. |
| Prescription Program for Gold & Platinum Members - Select prescriptions from a preferred drug list and pay a fixed fee of $10, $20 & $40 or less for the scheduled quantity and dose. Most non-preferred drugs are available at a discounted rate of 5 to 60% off retail. Available at over 55,000 participating pharmacies. |
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Mail Order Prescriptions
Save 5 to 60% off retail prices on a 90 day supply of maintenance medications. |
Labwork
Save of 5 to 70% off usual and customary fees on virtually all laboratory services. |
Radiology & Diagnostic Imaging
Receive 5 to 50% off diagnostic and radiology procedures in most cities. |
* Dental savings are based upon a comparison of national average negotiated network provider discounts. Actual savings will vary based on procedure, geographic location, and the dentist's Dental network discount.
† Not available in California.
The HealthFlex Limited Benefits Plan includes the HealthFlex Medical Discount Program that is not NOT health insurance. This plan provides discounts at certain healthcare providers for medical and ancillary services. This plan does not make payments directly to the providers of medical services. Members are required to pay the provider the discounted rate at the time of service. It is the members responsibility to confirm with Member Services that a provider is an active participant of the program prior to seeing that provider. Discount Medical Provider Organization: MedNet Benefits, Inc., 428 E. Thunderbird Road, #645, Phoenix, AZ 85022. Participating Providers are subject to change without notice and are not available in all areas. Actual savings may vary. A Member’s participation in this program is governed by the terms of the Membership Agreement provided upon activation. Not available to residents of all states. Disputes shall be certified mailed to NDHS, LLC; 2187 Atlantic Street, Suite 905, Stamford, CT 06902.
The underwriting insurance company is not a marketer for, nor an agent for any of the services or benefits of the HealthFlex Medical Discount Program.
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| Click on the individual insurance benefit headers to view the details. |
Silver
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Gold
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Platinum
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| Daily Hospital Confinement Benefit†: Pays the amount listed per day for up to 180 days if you have to be admitted and stay in a hospital for treatment of a covered accident or sickness. |
$300 per Day
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$500 per Day
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$1000 per Day
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| Intensive Care Unit Benefit†: Pays the amount listed per day for up to 14 days if you are confined to an intensive care unit in a hospital for treatment of a covered accident or sickness. |
Additional $1,000 Per day
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| Doctor Visit Benefit†: Pays the amount listed per visit to a doctor's office to be diagnosed or treated for a covered accident or sickness. |
$40 per visit; 5 visits per person,
5 visits per family per calendar year
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| Emergency Room Benefit†: Pays the amount listed each time it is necessary for you or your covered dependents (if this is a family membership) to get treatment for a covered accident or sickness by visiting the Emergency Room of a hospital. |
$100 per visit
3 visits per person per year
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| Inpatient/Outpatient Surgical Benefit†: Pays benefits according to the surgical schedule as set forth in the description of coverage provided in your membership materials. The maximum amount payable for all surgical procedures performed in a calendar year for a covered person is $20,000. The maximum payment for each Surgery may be determined by multiplying the Point Value (2 to 200) of each procedure listed on the Surgical Schedule by the unit value for the plan you choose. |
$25 unit value
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$40 unit value
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$60 unit value
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| Ambulance Benefit†: Pays the benefit amount per transport for a maximum of 3 transports per person per year. |
$500 per transport
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| Accident Disability: Pays a monthly benefit for total disability resulting from a covered accident. Benefits are payable for up to 12 months and are subject to a 90 day waiting period. |
$600 monthly
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| Accident Medical / Dental Expense Benefit: Pays part of the expenses you are charged by a hospital, doctor, or certain other charges, up to a maximum of the amount listed if you are injured in a covered accident. Subject to a $100 deductible. |
Up to $5,000 per occurrence
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| Accidental Death & Dismemberment Insurance: Pays the beneficiary up to the benefit amount listed for the member’s death or loss of certain body parts in a covered accident or a portion or that amount for the accidental death of a dependent, if this is a family membership, (50% for covered spouse, 20% for covered child(ren)) |
$15,000
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All benefits provided by this insurance are subject to the terms, definitions, conditions, exclusions and limitations, of the group policy. To obtain more information about this insurance, please ask to speak to a licensed agent or click on the link above.
All members of the HealthFlex Limited Benefits Plan are automatically enrolled into the American Advantage Association (AAA) to be eligible to receive these benefits. The insurance benefits are underwritten by The United States Life Insurance Company in the City of New York, a member company of American International Group, Inc1, NAIC # 70106. United States Life is domiciled in the state of New York with a principal place of business of 830 Third Avenue NY, NY 10022-6565 and licensed in all states, plus DC, except PR. These benefits are under Group AD&D & Medical Care Insurance Policy (Form #G-19000) issued to AAA.
†Coverage is not provided for loss due to a pre-existing condition for 12 months from the Covered Person's effective membership date or for members over the age of 64. The Accident Disability coverage is not provided for members over the age of 69.
1The underwriting risks, financial obligations and support functions associated with the products issued by The United States Life Insurance Company in the City of New York are its responsibility. The United States Life Insurance Company in the City of New York is responsible for its own financial condition and contractual obligations.
THIS IS NOT BASIC HEALTH INSURANCE. THIS OFFER INCLUDES DISCOUNTS AND/OR SERVICES PLUS ADDED LIMITED BENEFIT INDEMNITY INSURANCE. NONE OF THESE, INIDIVIDUALLY OR IN COMBINATION ARE A SUBSTITUTE FOR BASIC HEALTH COVERAGE, MAJOR MEDICAL INSURANCE OR ANY OTHER MEDICAL EXPENSE REIMBURSEMENT INSURANCE PLAN.
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If member is not completely satisfied, within the first 30 days of membership member may return the member ID card following procedures shown in the membership kit and the first month's membership fee will be refunded. The one-time set-up fee is non-refundable except in those states where refund provisions are specified by state law.
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