About Us

Our online benefits Plan is non-insurance discounted health plans that have been developed and are serviced by a network of companies in the health care industry. We include a support network of thousands of individuals who are focused on cutting the costs of health services to millions of Americans. 

FAQ

Are Your Plans Insurance?
No. These plans are not insurance plans. We don't pay for your claims - you pay the Health Provider at the time that you receive service. Through our plans there are no deductibles, no pre-existing conditions and no waiting. And you have a much larger selection of health providers to choose from. Once you enroll in our plan, we enter you as an eligible member in the computer systems of the applicable networks that are part of your chosen plan. 

Who's Covered?
Member, spouse and all household members can take advantage of program savings.

Can I Find Out in Advance What Rates I Will Pay For Different Procedures?
Once you are a member, your membership number will give you access to our pre-pricing toll-free number. As long as you have the pricing code from your health provider on a particular procedure, we will supply you with your member rate based on the State you live in. You will also be given access to our Member's Website to access the discounted prices on mail-order prescriptions. For the convenience of those who are not yet members, each service posted on our website indicates the range of discounts that can be expected for that particular service.

How are we able to offer all these health benefits - at such remarkable low fees?
Our benefits Plan is administered by one of America's most progressive consumer organizations, which has been serving the American public for 45 years. Widely known as a consumer-friendly organization, its leaders have developed as a unique and innovative method of relieving consumers of the burden of paying heavy monthly health fees. They have been able to put into effect a special provider/program relationship that takes into account provider fees and program costs, while allowing participants to realize medical and health savings of up to 60% of customary provider fees. This provider/consumer is a way for both individuals and families to combat and overcome rising healthcare costs.

Once I respond, am I automatically accepted?
Yes, you are. There are no physical examinations and you cannot be turned down for health problems - for any pre-existing conditions or any "bad-risk" medical history. And unlike insurance, there are no exclusions, nor waiting periods. You receive every benefit regardless of how old you are, where you live, what your state of health is - starting immediately.

How Soon Can I Use My Benefits?
Once you've enrolled, your membership card and user-friendly guidebook will arrive within 10 to 14 business days. You and your family can start using your membership card as soon as it arrives.

How Do I Select a Health Provider?
There are two options to locate the specific type of health care provider you're looking for. You can either search online, or contact us and one of our representatives will provide you with a choice of Providers in your area to choose from. You may find that your current Provider already belongs to our networks, and if not, we'll be happy to invite them to join.

How Do Your Plans Differ From Other Non-Insurance Plans?

1. Concierge Service. Once you let us know which health provider you've chosen from one of our networks, we call them to confirm that they are still opted into our network. Unlike other Plans, we want to make sure that you don't waste your valuable time or money in seeing a health provider who has recently opted out and is unwilling to offer you a discount after you've received service.

2. Greater Selection. Where other Plans contract with only one medical or dental network of health providers, we have contracted with several, so that our members have a much greater selection of health care providers throughout the country.

3. Huge Discounts on Prescriptions. For those who use prescriptions on a maintenance basis, we have contracted with Canadian mail-order pharmacies to further reduce costs. Because of Canada's socialized medicine, prices on Canadian prescriptions (most supplied by the same U.S. manufacturers) are substantially lower. To further add to the lower costs is the higher value of the U.S. dollar over the Canadian dollar, giving Americans an approximate 50% gain on their dollar.

4. Lower Plan Costs. With our philosophy focused on low-cost, high-volume, we have priced our Plans to be the lowest in the industry while still maintaining the highest value.