Benicard Plan Highlights

The BeniCard "opens the door" to provider networks so that you can obtain "wholesale" prices for doctors, dentist, hospital and other provider services. This means our cardholders enjoy the same "wholesale" rates for their doctor and hospital provider services, along with contract pricing on prescription, dental, vision and hearing services.

With access to a network of thousands of medical facilities and physicians nationwide, members can save on medical services. Members who have no health insurance can save money on all visits to a participating provider. Members who do have health insurance can save on services not covered, such as routine office visits and cosmetic surgery. With savings of 5% to 40%, members can save hundreds or even thousands of dollars a year.

Participating providers are screened by a team of professionals and must pass strict criteria prior to joining the network. All providers are licensed and credentialed. There is no paperwork to compile. There is no limit to the number of visits to your provider.

Simply make an appointment with a participating provider from the list in your membership kit or contact a member services representative at the toll free number provided on your ID card for the name of a provider in your area.

Present your identification card and the "Dear Doctor" letter included in your membership kit to the receptionist when you arrive at the participating physician's office.

For services performed by the physician, you will pay the reduced fee at the time of your visit.

For services performed in the hospital, (only if "Hospital" is on your identification card), you will receive a billing statement detailing your savings and the amount you must pay within 30 days of service.

Remember, this is not an insurance plan and there will be no reimbursement to you or to the participating provider. You are fully responsible for paying the provider directly for services rendered.

This plan is provided through one of the largest provider networks in the nation. The network is available throughout the United States and providers are continually being added to meet your member needs.

Members will save on almost all dental care expenses through one of the largest, independent network of dental providers nationwide. Simply present the membership card to any one of the more than 24,000 providers (including specialists, where available) to receive discounted rates on dental procedures.

The discount program is designed to save money not only on routine and preventive care, but also on more extensive treatments such as fillings, crowns, root canals, dentures, bridges, oral surgery and more! Even orthodontics and cosmetic dentistry services are discounted. Save 10%-50% on dental care expenses.

When visiting a participating dental office, members must present their membership cards prior to treatment to be assured that the proper discounts will be applied. Provider lists and fees may change at any time.

Note: The discount card is not insurance. The card may be used to supplement a traditional dental indemnity plan that does not require you to see a specific dentist. The card cannot be used with any other discount, PPO, HMO, or other man- aged care plan.

The Prescription Drug Program links most of the largest pharmacy chains into a common and consistent discount program. Through an agreement with one of the nation's premier drug management organizations, members can obtain discounts of up to 50% on drug prices through a national network of more than 45,000 pharmacies.

Here's How it Works: Take your membership card with you to a participating pharmacy. Show your membership card to the pharmacist. The pharmacist will enter the information on your membership card into the on-line computer system, and you will be immediately eligible for the special negotiated price. Your actual cost will be the contract price or the pharmacy's usual charge that day, whichever is lower. As a member you will receive discounts on many brand name and generic prescription drugs.

Some major chain participants include: Wal-Mart, Walgreens, Target Pharmacy, Rite Aid, K Mart, The Medicine Shoppe, Eckerd, CVS ...and many other National and local pharmacies

As a program member, you'll save 20% to 60% on eyeglasses, contact lenses and other retail eyewear items. You can use your program identification card at any local participating optical service provider from our nationwide network of more than 13,000 eye care professionals.

There is no limit to the number of times you may take advantage of your discount during the year, and even optometric exam fees are reduced at some locations.

EYEGLASSES All frames, lenses, and specialty items such as tint, scratch-resistant coatings, and ultraviolet protection are available at reduced prices for program members.

REPLACEMENT CONTACT LENSES You can save 10% to 40% by ordering your replacement contact lenses by mail (you must have a valid doctor's contact lens prescription). Most major brands of soft contact lenses are available, including disposable, torics, bifocals, and gas permeable lenses. Most orders are received in 7 to 14 days. To receive a quote on your replacement contact lenses, just call your consumer helper.

LOW PRICE GUARANTEE If you find a lower price anywhere else on the exact same pair of prescription eyeglasses purchased at a participating location within 30 days, the difference will be cheerfully refunded.

Beltone, the most recognized name in hearing health care, is offering to our enrollees and their immediate family members (grandparents, parents, spouse and children) a new value added benefit at absolutely no cost to you!

Beltone will offer these benefits through their North American Hearing Care Network of over 1,300 preferred providers.

Your program chiropractic care benefits emphasize regular preventive maintenance "wellness" care.

Use your program membership card to get special rates from a nationwide network of more than 7,000 participating Doctors of Chiropractic across the U.S.

Go to your chiropractor when you want, as often as you need—it's up to you. There is no limit on the number of eligible visits. Simply pay your chiropractor your special discounted rate when you receive your care.

As a member, you receive the following benefits through the Travel Assistance Program when traveling more than one hundred (100) miles from your permanent residence. The following is a summary description only of the program's services. The master document provides complete details of services and conditions.

Lifeguard Emergency Travel is the program provider of these Travel Assist services. Members have access to the following services provided Lifeguard's Assistance Provider has been contacted first.

Emergency Evacuation/Repatriation. If a member suffers an illness or injury while traveling over 100 miles away from home, and cannot be treated by a local medical facility, the member is transported by the most appropriate means to the nearest hospital capable of providing necessary treatment.

Transportation of Escort. If the member needs emergency evacuation by air ambulance or repatriation by covered commercial airline, transportation will be provided to the member's spouse, other family member or companion to accompany the member in flight, subject to space availability with priority given to the medical equipment and personnel.

Family Visitation. If a member is traveling alone and is expected to be hospitalized for more than 7 days, the spouse or another family member will be flown in to be with the member. Also, expenses for accommodations and transportation during their stay, up to $100.00 per day for 10 days, are provided.

Minor Children Return/Escort. If a member requires emergency evacuation, hospitalization for over 24-hours, or in the event of death, and the minor children are left unattended, transportation home is furnished for them.

Vehicle Return. The Travel Assist Provider will return the member's vehicle home and bear the cost up to $1,000.00 when illness, injury or death requires emergency evacuation or repatriation and the member is unable to drive the vehicle.

24-hour Information Service. Helpful information before and during travel is available to the member. The multilingual staff is prepared to assist and coordinate the management of a wide variety of travel related situations. Services include information on required documents, immunization requirements, State Department Travel Advisory warnings, weather and hazard information about foreign locations and more.

Medical Monitoring. If a member needs to be medically monitored, the Travel Assist Provider's duty physician will monitor the case, while acting as a liaison between the member, the local treating physician and the family physician as needed.

Medical Referral. The Travel Assist Provider will arrange referrals to a local doctor or hospital, when a member needs help in locating a doctor or hospital while traveling.

Guarantee of Medical Expenses. If a member needs help for overseas claims, the Travel Assist Provider will assist in arranging for a payment or guarantee of payment based upon confirmed personal resources.

Insurance Coordination. If a member needs help for overseas claims, the Travel Assist Provider will assist in coordinating the claims procedure with the appropriate insurance program.

Lost Documentation Service. If a member needs help to replace lost or stolen travel documents (i.e., passport, baggage, tickets, credit cards, etc.), the Travel Assist Provider will advise and assist where possible in their replacement.

Legal Assistance. If a member needs help finding a local attorney or embassy, arranging bail, cash advances, or coordination of payment for legal services from available resources of the traveler, the Travel Assist Provider will arrange referrals.

Emergency Delivery of Prescription Items. If a member needs prescription medication or lenses not available locally, the Travel Assist Provider will organize the delivery of the prescribed item when possible and legally permissible, to the member upon written authorization of the prescribing physician.

Emergency Cash Transfer and Advances. The Travel Assist Provider will assist in arranging for emergency cash advances and transfers through additional sources including hotels, banks, Western Union, etc., if a member needs cash as a result of loss or theft based upon confirmed personal resources. Limit of $500 per transaction.

In the event a participant suffers from a certified injury as a result of an accident that requires emergency medical transportation by helicopter in accordance with local EMS protocols, the plan will reimburse the participant or their provider up to a maximum of $4,000.00 per occurrence*. Reimbursement includes expenses incurred from the cost of medically necessary or life threatening helicopter transportation from the scene of an accident to the nearest medical facility capable of treating the injuries or from one medical facility to another medical facility. Claims for medically necessary transports from one medical facility to another medical facility are subject to review by Lifeguard's Medical Officer.

There are many positive health benefits that can result from a regimen of vitamin supplements. Many people consider a vitamin and mineral supplement program to be an important part of their overall health strategy. Members can obtain a wide range of vitamins and mineral supplements through our mail order program at savings of 25% to 50% below suggested catalog prices. Vitamins are provided by a nationally recognized manufacturer which sells only through health food stores.

The medical supplies and equipment benefit offers a broad selection of products and has long-standing relationships with most major manufactures. This ensures that you will receive the product that best meets your needs at savings of 5% to 15%. Some of the products that are available to you include ambulatory aids such as walkers; canes and crutches; blood pressure devices; diabetic supplies including gluecometers and test strips; orthopedic products such as braces, supports and collars; aids for daily living; respiratory products including nebulizers and allergy products and many, many more.

Accident insurance provides a peace of mind when the uneventful situation arises. Wouldn't it be nice to have insurance which protects you for accident situations. Affordable accident protection from Guarantee Trust Life is simple to acquire and nice to have....

Accident Expense Covered Charges:

Hospital Room and Board
Doctor’s fees, visits, surgery
Inpatient and Outpatient
Hospital Emergency care
X-ray and laboratory
Prescription Drug expenses
Dental treatment for injury

ACCIDENT EXPENSE BENEFIT (AE)
	Basic Plan	Premier Plan
Maximum Benefit Amount, Per Injury	$5,000	$7,500
Deductible, Per Injury	$100	$100
Insured Percent (After deductible is met insurance company pays)	100%	100%
Initial Treatment Period	12 weeks	12 weeks
Benefit Period	52 weeks	52 weeks
CAXXSOB201

Accidental Death and Dismemberment Covered Charges:

Loss of life
Loss of hands and/or feet
Loss of Sight, Speech, and/or Hearing