Individual Membership Benefits

Individual members have access to services referrals, resources regarding industry legal, policy, & regulatory issues, best practices, template documents and FSC’s annual reviews.

FSC has also partnered with NexGen to include additional specific membership perks for our US based individual members – granting access to $0 telemedicine visits, discounts on vision, dental, legal assistance, ID protection, vitamins, prescriptions, and more!

Individual memberships at the “Supporter” level include all benefits associated with the NexGen Advantage Plan, and memberships at an “Activist” level or above include access to NexGen Premier Plan benefits. 

Read the below description for more information about plan benefits!

What to Expect:

  • A membership kit and card for your NexGen benefits will arrive at your residence within 7-10 business days.

  • Your Member and Group ID on your membership card will be used to access benefits online at www.MyMemberPortal.com

  • For questions or concerns over NexGen benefits, please call the benefit services team at 800.800.7616 M-F 7:00AM – 7:00PM CST and Saturday8:00AM – 5:00pm CST.

for $15 per month your membership includes
all of the following benefits

 

Teladoc

Feel better now! 24/7 access to a doctor is only a call or click away—anytime, anywhere with no per visit fee. With Teladoc, you can talk to a doctor by phone or online video to get a diagnosis, treatment options and prescription if medically necessary. Save time and money by avoiding crowded waiting rooms in the doctor’s office, urgent care clinic or ER. Just use your phone, computer, smartphone or tablet to get a quick diagnosis by a U.S. licensed physician.

  • On-demand healthcare—wherever, whenever
  • Treatment for common medical issues such as colds, flu, poison ivy, respiratory infections, bronchitis, pink eye, sinus problems, allergies, urinary tract infections and ear infections
  • 10 minute average doctor response time
  • Visits for all ages—from children to seniors
  • U.S. board-certified doctors with an average 20 years practice experience
  • Upon request, Teladoc can share visit information with your doctor

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Teledoc FAQ

FAQ

Do I talk to “real doctors”? Yes. Teladoc members only talk to actual doctors who are U.S. board-certified internists, state-licensed family practitioners, and pediatricians licensed to practice medicine in the U.S. and living in the U.S. When you request a visit, Teladoc will connect you with a doctor licensed in your state.

What are some of the common conditions Teladoc treats? Common conditions include sinus problems, respiratory infection, allergies, urinary tract infection, cold and flu symptoms and many other non-emergency illnesses.

Can Teladoc handle my emergency situations? Teladoc is designed to handle non-emergent medical problems. You should NOT use it if you are experiencing a medical emergency.

Can I speak with a specialist? You cannot request to speak with a specialist directly, but our doctors may be able to provide guidance on the type of specialist you should see.

Can I request a particular doctor? You cannot request a particular doctor. Teladoc is designed to support your relationship with your existing doctor. It is not a means of establishing an exclusive relationship with one of our doctors. Please know that all Teladoc doctors are highly qualified and go through rigorous training and credentialing. We have the largest physician network of any telehealth provider with board-certified, state-licensed doctors.

Can I get a prescription? Teladoc does not guarantee prescriptions. It is up to the doctor to recommend the best treatment. Teladoc doctors do not issue prescriptions for substances controlled by the DEA, non-therapeutic, and/or certain other drugs which may be harmful because of their potential for abuse. These include, but are not limited to, antidepressant drugs such as Cymbalta, Prozac and Zoloft which are drugs that are harmful due to their potential for abuse. Also, non-therapeutic drugs such as Viagra and Cialis are not prescribed by Teladoc doctors.

View the current list of DEA controlled substances »

Where do the prescription drugs come from? Teladoc does not dispense prescription drugs. Our nurses call the prescription into the local pharmacy of your choice.

Is my electronic health record kept private? Health records are kept totally private and we employ robust encryption methods to protect your personal information. You determine who can see the information in your record.

Can I be turned down for a pre-existing condition?

We do not turn patients away because of pre-existing conditions.

Can I call Teladoc outside of the United States? You can request a Teladoc visit from anywhere in the U.S. You will speak with a doctor licensed in your home state. You must have a U.S. address and a U.S.-based phone number for the doctor to call back at the time of visit.

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Health Advocate™ Solutions

Healthcare is complicated. Personal Health Advocates help you navigate the insurance and healthcare systems. They can help to:

  • Untangle medical bills and insurance claims
  • Locate doctors, specialists, hospitals, dentists and pharmacies
  • Clarify benefits and answer questions about tests, treatments and medications
  • Coordinate care among multiple providers
  • Assist with eldercare and related healthcare issues
  • Arrange second opinions
  • Transfer medical records
  • Negotiate payment arrangements with providers and find options for non-covered services
  • Provide information about generic drug options

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Health Advocacy FAQ

Health Advocate™ Solutions

Health Advocacy

Q. What are the typical issues that Health Advocacy handles? A. Health Advocacy representatives can address many medical questions and issues; including finding primary care and specialist physicians and medical institutions, and resolving claims, billing and related administrative problems. Health Advocacy also helps you access community resources, including senior care services that fall outside traditional healthcare coverage. Q. How do I use this benefit? A. Whether you’re confused by your health insurance, need help finding a specialist or transferring your medical records, Health Advocacy cuts through the red tape. Call the number on the back of your membership card to speak with a representative. Q. Who will I speak with when I call? A. Health Advocacy representatives are typically registered nurses supported by medical directors and benefits and claims specialists, who have a number of years of experience working in healthcare-related jobs. They are screened to make certain that they have both excellent personal communication skills and the necessary professional credentials.

Medical Bill Saver™

Q. How does this benefit save me money? A. Medical Bill Saver can identify billing and claims processing errors, which could reduce your out-of-pocket expenses. Representatives can also help negotiate provider charges, which can be another source of savings. Q. How do I use this benefit? A. Once you receive a medical or dental bill with a remaining balance over $400 which is not covered by your insurance plan, call the number on the back of your membership card. The Medical Bill Saver negotiating team will contact the medical provider and attempt to have your bill reduced. Q. Who will I speak with when I call? A. Medical Bill Saver trained professionals are typically registered nurses supported by medical directors and benefits and claims specialists, who have a number of years of experience working in healthcare-related jobs. They are screened to make certain that they have both excellent personal communication skills and the necessary professional credentials.

NurseLine™

Q. Who do I speak with when I call? A. You will speak with Registered Nurses who will provide you with the best health information available. They use medical protocols developed by Healthwise, one of the most trusted sources of health information and have given reliable medical guidance to millions of Americans. Q. What types of issues can I call about? A. Nurses are available 24/7 to answer questions about symptoms, medications, health conditions and offer simple, self-care tips for non-urgent conditions Q. Can I call about family members? A. Yes. NurseLine may be used by you, your spouse and your children.

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Doctors Online powered by eDocAmerica

The fast, easy way to get health information from an online resource you can trust. You have 24/7 access to doctors, pharmacists, psychologists, dentists, dieticians and more by email or smartphone app. You’ll get treatment options and advice you understand. With Doctors Online, the doctor’s always in!

  • Responses within a few hours
  • Articles, videos and Health Encyclopedia
  • Weekly Health Tip emails from doctors
  • Healthy Lifestyle Assessments to monitor your health
  • Secure Personal Health Record
  • Unlimited, confidential services include your immediate family

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Doctors Online FAQ

Doctors Online powered by eDocAmerica FAQ

Q. How does this benefit work?

A. Members can ask questions to a board certified doctor via email 24/7/365.  After registering once, type in a subject, like poison ivy, and a question in the message field.  A response from the doctor will be sent within 24 hours.

Q. What services are included?

A. Members may work with with a board certified doctor for guidance on treatment options for an illness. Members have access to psychologists for behavioral health questions and can get help with various other things including nutrition, fitness and much more.

Q. Are there any services with which Doctors Online will not help? 

A. Emergency questions/ issues and prescribing medications are excluded.

Q. Am I charged for each new question?

A. No, members are never charged for services through Doctors Online.  Members may use this service over and over at no cost.

Q. Can I get general health info through Doctors Online?

A. Yes, members may get info through e-mail, such as health tips, links to quality resources and responses from doctors.

Q. Will the medical information I share remain confidential?

A. Patient Confidentiality is respected by Doctors Online. The website honors or exceeds the legal requirements of medical/health privacy.  Personal information will not be given or sold to unaffiliated third parties.

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Pharmacy

Don't pay full price! Save 10% to 85% on most prescriptions at thousands of pharmacies. Just present your card to save an average of 46% at locations nationwide. Compare your prescription prices and see for yourself at MyRxPrice.com.

  • Participating pharmacies include CVS, Walgreens, Target and many other independent, national and regional chains
  • Even if you have insurance, present both cards at the pharmacy to receive the lowest price
  • Immediate family included

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Pharmacy FAQ

Pharmacy FAQ

Q. Will I always get a discount when I use my membership card? A. Not necessarily. Each pharmacy determines their own retail pricing. To determine the discount pricing by location, visit MyRxPrice.com.

Q. Why didn't I get a discount at the participating pharmacy? A. Many pharmacies price some prescriptions at or below cost in order to draw customers to their store. If you present your discount card and the price is higher than the pharmacy’s retail rate or sale price, you will always pay the lowest price available.

Q. What if the pharmacy doesn't recognize the card's name? A. Always make inquiries in person and be sure to bring your card with you. If the pharmacy still has questions, have them call the Pharmacist Help Desk number on the back of your membership card.

Q. Is this a co-pay insurance card? A. No. This membership is a discount card offering reduced prices. You are responsible to pay the pharmacy 100% of the discounted price.

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Lab Testing

Know your numbers! You have direct access to over 1,500 major clinical laboratories nationwide where you can save 10% to 80% on typical costs for lab work.

  • Test categories include allergies, vitamin and cholesterol levels, liver function, fertility, thyroid and more
  • Confidential results in as little as 24 hours for most tests

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Lab benefit not available in MD, NJ, NY and RI.

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Test Retail Price Your Price You Save
CWP* $535 $97 $438
PSA $107 $44 $63
Thyroid Panel w/THS $174 $49 $125

*Comprehensive Wellness Profile (CWP) with 50+ results includes: cbc, lipids, kidney, liver, glucose, electrolytes, bone and minerals.

 

Diabetic Supplies

Diabetes can be hard to manage – big savings on supplies can make life easier. Get a free meter with your first order and tracking information on all shipments. You’ll never run out of supplies or wait in long lines!

  • Packages include a glucose meter, control solution, test strips, lancets and lancing device
  • Annual Supply Programs ship quarterly and are $8.33 to $25.00 per month
  • Easy ordering, regular shipments and convenient home delivery

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Diabetic Supplies FAQ

Diabetic Supplies FAQ

Q. How much does it cost? A. It depends on how many times a day you test yourself. You have to check what package is best suited for you. 

Q. How much is shipping and handling? A. Absolutely nothing when you select the Annual Supply Program. If you order supplies a la carte, you will pay for shipping and handling.

Q. Can I cancel my Annual Supply Program any time? A. Yes, you can cancel anytime.

Q. What about when I need supplies again? A. You have the option to select either one-time payment or auto-fill and your 90-day diabetic supplies will be sent to you every 3 months. You also have the option to change your auto-fill preferences anytime.

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Hearing Aids

Have you heard? Currently, one in nine Americans suffer from hearing loss. Let Amplifon help you find the right hearing aid solution to fit your lifestyle through personalized service and exceptional products for every budget.

  • One year free follow-up care for cleaning and checkups with purchase
  • Two-year supply of hearing aid batteries
  • Three-year warranty
  • 100% money-back guarantee during your 60-day risk-free trial
  • Offering leading manufacturers including Siemens, Rexton, Miracle-Ear, Phonak, ReSound, Unitron, Oticon, Sonic Innovations, Starkey, and Widex.

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Vitamins

Everyone has different health goals, and Vitacost has the products to help you reach them. Find the best prices online for the most trusted brands of vitamins, supplements, health foods, sports nutrition and wellness products. Take an additional 10% off already low prices on products for you, your family and even your pets. Vitacost takes the cost out of healthy living.

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Vitamins FAQ

Vitamin FAQS

Q. What is the Vitamins benefit?A. The Vitamins program provides members with vitamins and nutritional supplements at 5% off every product. Most major brands of vitamins and nutritional supplements are available through VIP Health. Members can call a toll-free number and request a catalog.

Q. Can members use this benefit in any retail location?A. No. The vitamin portion of the program is strictly a mail order process.

Q. What are the advantages of using this program as opposed to shopping for vitamins at a local retailer?A. In addition to receiving $5 off the initial order, members will have the convenience of toll-free ordering and the purchase will be quickly delivered to any location.

Q. Do members need to call each month to request a catalog?A. No. Once the member has placed a health supplement order, their name will be kept on the mailing list to receive new catalogs periodically for the next two years.

Q. Aside from vitamins, what other products are discounted?A. In addition to vitamins, members can take advantage of discounts on herbs, minerals, weight loss products, digestive aids and much more.

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MRI & CT Scans

A better image leads to a better diagnosis, better treatment and a better recovery. Save 40% to 75% on usual charges for MRI and CT Scans at thousands of credentialed radiology centers nationwide. You will be referred to a certified radiologist based on condition, preferences and location.

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Upgrade! Get Vision, Dental, Legal Servicers and more…
For $25 per month you get these additional benefits

 

Coast To Coast Vision™

To locate a provider, click here.

Your eyes are the windows to your health. Now you and your family can see better savings at over 20,000 vision providers nationwide, including national chains and local retailers. You save 10% to 60% on glasses, contacts, laser surgery, exams and even designer eyewear.

  • 20% to 60% off prescription eyewear including most frames, lenses and specialty items such as tints, coatings and UV protection
  • 10% to 30% off eye exams
  • Participating chains include LensCrafters, Pearle Vision, Visionworks, JCPenney, Target and more
  • Your eye doctor not in our network? The nomination process is a breeze!
  • 10% to 40% off contact lenses through America’s Eyewear mail order service
  • You receive exclusive access to the lowest contact lens prices through America’s Eyewear mail order service
  • 15% to 55% off the average retail cost of eyeglasses and sunglasses through FramesDirect.com
  • 40% to 50% off the national average cost of LASIK surgery

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Vision Savings Examples

Savings Examples

Example 1 - New York, NY
Regular Exam (Ophthalmologist) $150.00
CTC Member pays: $120.00
Savings $30.00
   
Conventional Lasik: $5,500.00
CTC Member Pays: $3,600.00
Savings $1,900.00
TOTAL SAVINGS $1,930.00
Example 2 - Dallas, TX
Regular Exam (Ophthalmologist) $190.00
CTC Member pays: $133.00
Savings $57.00
   
Frames (Regular) $89.95
CTC Member Pays: $58.47
Savings: $31.48
   
Progressive / Polycarbonate $209.00
CTC Member pays: $156.75
Savings $52.25
TOTAL SAVINGS $140.73
Example 3 - Tampa, FL
Extended Exam (Ophthalmologist) $225.00
CTC Member pays: $157.50
Savings $67.50
   
Frames (Designer) $200.00
CTC Member Pays: $72.72
Savings $127.28
   
Single Vision Lens (Plastic) $170.00
CTC Member pays: $110.50
Savings $59.50
TOTAL SAVINGS $254.28

Vision FAQ

FAQs

Q. What is the vision benefit? Does it include eye exams? Does it include contact lenses?A. The vision benefit offers 10% to 60% discounts on eyewear and eye care at more than 20,000 vision providers throughout the United States. Providers include national optical chains such as LensCrafters, Pearle Vision, Visionworks and JCPenney, as well as regional chains and thousands of independent practitioners. Often many participating locations offer discounts of 10% on eye exams for both eye glasses and contact lenses. Additionally, the ophthalmology portion of the network offers 10% to 30% discounts on eye exams and surgical procedures, including the popular laser surgeries in select markets.

On average, members receive a 20% discount on replacement contact lenses (excluding disposable lenses) at retail locations. Members may elect to use the mail order service to purchase replacement contact lenses (including disposables) at a 10% to 40% discount.Q. Is Coast To Coast Vision (CTC) discount insurance?A. No. While an insured plan is available, CTC is a discount eyewear and eye care program. There is no paperwork. The participating retail optical locations will give the discount at the time of the purchase.Q. Can members use CTC if they already have vision insurance?A. Yes. In most cases CTC can be utilized to reduce out of pocket expenses. For example, once the insurance benefit has been exhausted, members may use their discount to buy additional pairs of glasses or contacts.Q. Is there a limit on the number of times the benefit can be used?A. There is no limit on the number of times the member or family member can take advantage of the savings provided by CTC.Q. Does the CTC discount include family members?A. It includes the member, their spouse and all legal dependents.Q. What is included with CTC membership?A. Prescription glasses and contact lenses are discounted 20% to 60% in most cases. Eye exams and surgery are discounted 10% to 30% where available.Q. Why does the discount vary from 10% to 60%?A. Many variables go into the calculation of the discount such as market demographics, location, hours of operation, one-hour service capability and level of retail mark-up.Example - a chain provider in a major metropolitan mall, open seven days a week, 10 hours a day with an on-site lab, will more than likely have a different mark-up than an independent practitioner in a rural community. However, members will pay almost exactly the same price for the exact same materials regardless of where the purchase is made. Only the percentage of discount off retail may vary.Q. Can members receive the discount at any optical location?A. No. Members must go to an optical location that is contracted with Coast To Coast Vision to receive a discount. Our providers include national, regional and local chains as well as thousands of independent professionals.Q. What is a dispensing fee?A. The dispensing fee is the amount of money that is added to the provider's wholesale acquisition cost of materials. It is generally the only profit made by the provider on your purchase.Q. Is the eye exam discounted?A. Yes, at approximately 4,000 of our 20,000 vision providers nationwide. Our member service representatives can tell you which locations discount eye exams in your area.Q. What do I do when I get to the location to get my discount?A. All you need to do to receive your discount is show the provider your membership card and tell them you are with Coast To Coast Vision. It is very important that you mention Coast To Coast Vision Network to ensure a discount at the time of purchase.Q. Do I get the discount if the store is running a sale?A. The location will not combine our contracted discount with the sale price. However, in most cases, the Coast To Coast price will be better than the sale price.Q. Do the retail locations mark up the merchandise to give me the discount?A. No, you receive the discount because CTC brings the buying power of over 10 million members to the optical retailers participating with us.Q. How do I get my eye doctor or optician on the Coast To Coast Vision network?A. If you wish to refer your doctor to the CTC network, just give us their name, address and phone number and we will contact them about becoming a provider. If your practitioner does not wish to join the plan, you can still use him/her for your eye exam. Simply take your prescription to one of our participating providers to receive your discount on glasses or contact lenses.Q. How can I be guaranteed the greatest savings on contact lenses for me and for my husband?A. Although members receive a 10% to 20% discount when purchasing replacement contact lenses at participating optical centers, the greatest savings and selection for contact lenses is often offered through the mail order program. Replacement contact lenses are discounted at 10% to 40% below retail.Q. Can I purchase disposable contact lenses at a discount through a participating optical center?A. No. Disposable lenses are generally priced as "loss leaders" at the retail stores. However, members can use the mail order contact lens program to receive discounts when ordering disposable lenses. Q. What if my contact lenses are destroyed while I'm on vacation?A. Simply call the toll-free number on the back of your membership card. The patient registration keeps your prescription on file until it expires and we can send your replacements overnight to you almost anywhere in the world.

Q. What is LASIK?A. LASIK (Laser-Assisted In Situ Keratomileusis) is an outpatient treatment that uses an Excimer Laser (cool beam of light) to gently reshape the front surface of the eye (the cornea). Reshaping the cornea redirects the light angle as it enters the eye to refocus correctly on the retina. This allows images to be more sharply focused. Vision recovery is rapid, and there is little or no post-operative pain. With refractive procedures, your dependence upon glasses and contact lenses should diminish significantly.

Q. Can LASIK be done if I have astigmatism?A. Yes, the LASIK procedure has been approved to effectively treat astigmatism as well as myopia (nearsightedness) and hyperopia (farsightedness).

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Dental powered by Humana Dental Access®

To locate a provider, click here.

Smile brighter with big savings at over 160,000 dental locations nationwide. Just present your card with the Humana Dental Access logo and pay the discounted price at the time of service. Use your card over and over again to keep your teeth sparkling clean!
  • In most instances, save 20% to 40%*
  • Save on dental services such as cleanings, X-rays, crowns, root canals and fillings
  • Need specialty dental care? Save on orthodontics and periodontics, too!
  • Show your card with the Humana Dental Access logo and pay the discounted price at checkout
* Actual costs and savings vary by provider, service and geographical area.

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Dental Savings Examples

Savings Examples

Procedure Average Cost* Average Cost with Humana Dental Access* Member Savings
Periodic Oral Exam $52 $29 $23
Comprehensive Oral Exam $82 $44 $38
X-Ray, Intraoral–Complete Series Including Bitewing $132 $80 $52
X-Ray, Bitewings– Four Films $62 $36 $26
X-Ray Panoramic Film $114 $70 $44
Cleaning (Prophylaxis)–Adult $94 $56 $38
Cleaning (Prophylaxis)–Child $72 $47 $25
Topical Application of Fluoride $39 $24 $15
Sealant Per Tooth $56 $36 $20
Filling (Amalgam)– 2 Surfaces Primary Teeth, Permanent $171 $102 $69
Filling (Resin Composition)-- White or Tooth Color-- 1 Surface, Posterior $172 $104 $68
Filling (Resin Composition)-- White or Tooth Color-- 2 Surfaces, Posterior $219 $138 $81
Scaling/Root Planing Four or More Contiguous Teeth $231 $148 $83
Periodontal Maintenance For Patients Who Have Been Previously Treated For Periodontal Disease $133 $89 $44
Extraction of Erupted Tooth or Exposed Root - Includes Local Anesthesia and Suturing If Needed $171 $93 $78

*Actual costs and savings may vary by provider, service and geographic location. Top utilized codes included. Mean Charge is from Humana's industry data as of July 2017; weighted against utilization in past year. Average Cost with Humana Dental Access is Humana weighted average fee on utilization in past year for the following markets. Markets included in weighted fees:  Los Angeles, CA - Orlando, FL - Chicago, IL - New York, NY.

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Legal Services

Have legal questions? Get legal answers from experienced lawyers at discounted rates. Attorneys help with traffic tickets, bankruptcy, divorce, and spousal and child support. Additional services are also available at no cost to you!

  • Free services* include one-on-one consultations, attorney-made phone calls, help with legal documents, assistance with welfare and INS, representation in small claims court, and a Simple and Living Will
  • Attorneys only charge $125 an hour or 40% off their hourly rate, whichever is greater
  • 10% off all contingency-based cases
  • You’ll be referred to plan attorneys based on location, language and area of law

*In certain situations, attorney liability may require plan attorneys to ask for a retainer prior to providing some of the free legal services.

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Legal Services Savings Examples

Savings Examples

Deeply Discounted Legal Services*

The following are eight (8) commonly used legal services for which plan attorneys have agreed to charge a one-time, deeply discounted fee:

Legal Service Average Cost Legal Club Cost Savings Percentage
Traffic Ticket Defense $199.00 $89.00 55%
Name Change $1,100.00 $155.00 85%
Simple Will With  Minor's Trust $530.00 $250.00 53%
Chapter 7 Bankruptcy $1,500.00 $750.00 50%
Non-Support (Spouse/Child) $1,490.00 $275.00 82%
Simple Divorce $1,100.00 $275.00 75%
Corporation (Regular) $585.00 $295.00 50%
Personal (Non-Commercial Real Estate Closing) $675.00 $250.00 63%
  National Average Discounted Rate Savings Percentage
Hourly Rates $204.00/hour $125.00/hour 40%

*Court costs, filing fees and time charged for travel to and from any courts are additional.

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Legal Services FAQ

Legal Services FAQ

Q. Can I change attorneys for whatever reason? A. Yes. Call the number on the back of your membership card for a new referral to a participating attorney anytime.

Q. What areas of law are available? A. All areas of law are eligible for the discounts; including but not limited to, simple traffic offenses to more complicated custody, criminal and civil suits.

Q. Are family members eligible to receive these services? A. Yes. This benefit may be used by you, your spouse and legal dependents.

Q. Where can I find a complete description of benefits? A. Click here for more information.

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ID Sanctuary™

With ID Sanctuary, you can rely on immediate, personalized attention from a fraud specialist whenever you need it. Fraud specialists are armed with the knowledge to help reduce the risk of identity theft and provide unlimited restoration assistance should you fall victim—giving you emotional support and peace of mind.

  • Unlimited 24/7 restoration assistance whenever your identity has been compromised
  • Step-by-step guidance through the identity restoration process if you become a victim of identity theft or fraud
  • Document replacement assistance when identification documents such as Social Security cards, birth certificates, passports and driver’s licenses are lost, stolen or destroyed
  • Credit inquiry activity alerts
  • One bureau credit report, credit score and monitoring
  • Access to an online educational resource with new articles, information, tips and best practices to protect against identity theft
  • Includes you and up to four legal dependents 18 and over

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ID Sanctuary™ Enhanced Family FAQ

ID Sanctuary™ FAQ

Q. What is identity theft? A. ID theft is the misuse of an individual’s personally identifiable information (PII). In true identity theft, an identity thief fraudulently uses another person’s PII (name, Social Security number, date of birth, address, etc.) to obtain goods, services and/or employment, open new accounts for financial gain, or hide a real identity. Victims may not know about the fraud for a long time, which can allow the criminal to continue the ruse for months or even years.  In recent years, the PII definition has expanded to include other personal information such a mother’s maiden name, pet names and other information which can often be a key to uncovering other PII or enabling a bad actor to gain access to otherwise protected information. 

Q. How do identity thieves get to my information? A. Some of the most common methods include:

  • Dumpster diving for credit card statements, loan applications, and other documents containing names, addresses, account information, and SSNs
  • Stealing mail from unlocked boxes
  • Impersonating a loan officer, employer or landlord to obtain access to credit files
  • Taking advantage of “insider” access to names, addresses, birth dates, and SSN
  • Shoulder surfing when people are using laptops in public places or watching ATM transactions and public phones to capture PINs
  • Hacking into an organization’s database to steal sensitive information

Q. What do criminals do with my identification information? A. Some examples of the many ways criminals use stolen identity information are to:

  • Obtain credit fraudulently from banks and retailers
  • Steal money from victim’s existing accounts
  • Apply for loans
  • Establish accounts with utility companies
  • Rent an apartment
  • Obtain a job
  • Receive medical care

Q. How does ID Sanctuary monitor my identity? A. ID Sanctuary detects potential fraud by monitoring a full-range of credit and non-credit information including:

  • Public records
  • Change of Address
  • Court records
  • Single bureau credit report and score
  • Cyber internet surveillance – chat rooms and websites are monitored for your PII (name, SSN, email, phone number, credit/debit cards)
  • Social media channels

Q. How does ID Sanctuary resolve identity theft when it occurs? A. As a member, you can call the toll-free number on the back of your membership card for 24/7 assistance. A fraud investigator from CyberScout will lead the restoration process and help you every step of the way. You will receive a personalized review and a customized, appropriate course of action. Once fraud has been resolved, your fraud specialist will conduct a six-month follow-up to ensure no other issues have occurred and to answer any additional questions.

Q. How is a credit score different from a credit report? A. Your credit score is a numerical representation of the history of credit use found in your credit report. Your credit report lists the details of your credit history, which can include creditor names, addresses, loan amounts, credit limits, payments made on time or past due, and amount of monthly payments. The ID Sanctuary free credit report is provided by TransUnion.

Q. How does monitoring protect me from identity theft? A. Credit report monitoring does not prevent identity theft. However, it can alert you to activity that may indicate identity theft is being attempted or has taken place. If you learn someone used your data to apply for credit, ID Sanctuary can help you take steps to prevent future misuse of your data.

Q. Is a Power Of Attorney required for resolution services? A. No. Resolution experts will lead the resolution process and help you every step of the way. You will receive a personalized review and a customized, appropriate course of action. However, you may submit a LPOA if you prefer CyberScout to work completely on your behalf.

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Global Travel Assistance

Protect yourself and your loved ones anytime you travel 100 miles or more from home* with a global network of doctors, assistance personnel and emergency benefits. You’ll be safe and sound from air to ground.

  • Emergency medical evacuation
  • Monitoring of treatment
  • Lost or stolen travel documents assistance
  • Transportation to join a family member in the hospital
  • Emergency travel arrangements for dependent children
  • Coordination of hospital payments and insurance
  • Medical, behavioral or mental health, dental, and pharmacy referrals
  • Emergency travel funds assistance
  • Translation and interpreter referral
  • Legal consultation and referral
  • Pre-travel planning and security information
  • Political and natural disaster evacuation
  • Return of mortal remains

*Home is defined as the address listed on member’s ID (Driver’s License or Passport)

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On Call International cannot be held responsible for failure to provide services or for delays caused by strikes or conditions beyond its control including, but not limited to, flight conditions or where rendering of service is prohibited by local laws or regulatory agencies.

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Global Travel Assistance FAQ

Global Travel Assistance FAQ

Q. How do I access the Global Travel Assistance Service? A. Call the local or toll-free number on the back of your membership card and the My Benefits Work app and portal.

Q. When can I use the service? A. Global Travel Assistance will help with any type of illness or injury, regardless of the severity, anytime you are traveling 100 miles or more from home.

Q. Are there any times Global Travel Assistance cannot help? A. Global Travel Assistance cannot help you if you’re traveling against the advice of a physician, traveling to a country that is not deemed safe for travel, or need assistance related to a natural disaster.

Q. How does Global Travel Assistance help find medical care? A. When requested, Global Travel Assistance will provide referrals to pharmacies and medical, dental, and behavioral health professionals in the given geographic area. When possible, referrals will have western style medical facilities and English-speaking healthcare professionals.

Q. Does Global Travel Assistance require that I go to certain hospitals, doctors, or clinics? A. You should contact Global Travel Assistance before choosing a hospital so that we can refer you to facilities that we have previously worked with. If you go to other providers, we cannot be certain of the level of treatment. However, Global Travel Assistance will provide the same services regardless of where you are treated.

Q. What happens in the event I am hospitalized? A. Notify Global Travel Assistance as soon as possible. They will then monitor your care and work through the details of foreign hospitalizations. They will promptly speak with the treating doctor to assess your condition, treatment plans, and whether or not an evacuation is necessary. Global Travel Assistance will provide medical updates to anyone listed on your medical release as needed. Also, they will coordinate all insurance verifications and admission details.

Q. What if the local facilities are not able to provide treatment? A. If the treating medical facility is deemed inadequate, Global Travel Assistance will arrange and coordinate transportation to the nearest hospital where appropriate medical care is available.

Q. Once I am released from the hospital, do the services end? A. Global Travel Assistance helps you until you have returned home or have received final treatment.

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Roadside Assistance

Stranded? Car trouble is no trouble. Roadside Assistance is there for you and your immediate family to help with a flat tire, lock-out, battery, collision and even towing—with coverage up to $50. They will even bring you fuel, oil, fluid and water 24/7!

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Roadside Assistance FAQ

Roadside Assistance FAQ

Q. How does this benefit work? A. Just by calling the toll-free number on the membership card, a service vehicle is dispatched to the member’s location. Emergency Roadside Assistance is available throughout the United States and Canada, 24 hours a day, 365 days a year. Members only pay for any costs in excess of the $50.00 per occurrence limit plus any non-covered costs.

Q. Can the vehicle be left unattended where it became disabled and still be serviced? A. Service providers are not allowed to service an unattended vehicle so it is important that the vehicle remains attended after the call for assistance has been placed. 

Q. Can members still be reimbursed if they pay out of pocket at the time of service? A. Members must contact Emergency Roadside Assistance’s 24-hour, toll-free number to have an authorized network service provider dispatched to their assistance.  Assistance obtained through any source other than the Emergency Roadside Assistance provider is not covered and is not reimbursable. In the event that service is not obtainable through the Emergency Roadside Assistance provider, the member will receive an authorization number from the Emergency Roadside Assistance provider and will receive a refund of payments made according to the program benefit and coverage limits for services secured independently.

Q. What exactly is considered a “covered emergency?” A. The following are covered emergencies, subject to $50.00 per occurrence limitation:

  1. Towing Assistance – When towing is necessary, the covered vehicle will be towed to the closest qualified service facility or to any location requested;
  2. Battery Service – If a battery failure occurs, a jump-start will be applied to start the covered vehicle;
  3. Flat Tire Assistance – Service consists of the removal of the flat tire and its replacement with the spare tire;
  4. Fuel, Oil, Fluid, and Water Delivery Service – An emergency supply of fuel, oil, fluid, and water will be delivered if you are in immediate need. You must pay for the fuel or other fluid when it is delivered;
  5. Lock-out Assistance – If your keys are locked inside of the vehicle, we will provide assistance in gaining entry to the vehicle.

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Retail Health Clinics

Save 10% at select Walgreens on everything from prevention and wellness services to monitoring and managing ongoing health conditions. Medical professionals treat allergies, injuries, coughs, colds and more.

  • Over 150 Healthcare Clinic at select Walgreens nationwide
  • Walk-ins or appointments available
  • Medical professionals include board-certified family nurse practitioners and physician assistants
  • Prescriptions may be written, if necessary
  • $49 youth sports, camp or back-to-school physicals

Exceptions may apply. Certain services may not be available in all states.

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Retail Health FAQ

My VIP Savings

Don’t settle for full price! My VIP Savings makes shopping easy, rewarding and fun. Earn cash back on purchases made through a convenient online mall and save up to 80% on thousands of deals, promo codes and free shipping offers.

  • Choose from over 1,000 of the most popular stores all on one site
  • Access to Daily Groupon Goods specials
  • Offers from top coupon clipping sites

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Allegro Durable Medical Equipment

Save 20% to 50% on medical equipment shipped directly to you, plus an additional $5 on orders over $100! Save on walking aids, wheelchairs, scooters, hospital beds, bathroom safety, orthopedic products and more.

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Durable Medical Equipment FAQ

Durable Medical Equipment FAQ

Q. How do I check my order status? A. Click here and enter your order number and zip code in the provided form. If you placed an order by phone, then call 800-861-3211 to check the status of the order.

Q. How do I do a return? A. Before returning any product, you must obtain a Return Merchandise Authorization (RMA) number. NO returns, of any type, will be accepted without an RMA number. Please have the following information on hand when calling for an RMA number: customer name, invoice number, serial number and the nature of the problem. To obtain an RMA number and return instructions, please call 800-861-3211. For more information on the return policy, click here.

Q. What is Allegro’s return policy? A. If you need to return or exchange the item, please contact Allegro within 30 days of receipt of your purchase. Items must be returned in new, unused and resalable condition, and in its original packaging. Return shipping costs will be at the customer's expense. Some products are offered with free shipping, so please note if you return a product that has free shipping, the actual outbound shipping costs will be deducted from your return refund. Returns will be inspected prior to issuing credit. Original shipping costs may be waived if exchanging for another item of same or greater value.

Q. How do I contact Allegro? A. Click here and fill out the form provided or call customer service at 800-861-3211.

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The Premier+ Individual Memberships include the following benefits in addition to all Advantage Individual Membership benefits.

DISCLOSURES

This discount card program is NOT insurance, not intended to replace insurance, and does not meet the minimum creditable coverage requirements under the Affordable Care Act or Massachusetts M.G.L. c. 111M and 956 CRM 5.00. It contains a 30-day cancellation period, provides discounts only at the offices of contracted health care providers, and each member is obligated to pay the discounted medical charges in full at the point of service. For a complete list of disclosures, please click here. | Limitations, Exclusions and Exceptions | Discount Plan Organization: New Benefits, Ltd., Attn: Compliance Department, PO Box 803475, Dallas, TX 75380-3475.

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© 2018 Teladoc, Inc. All rights reserved. Teladoc and the Teladoc logo are registered trademarks of Teladoc, Inc. and may not be used without written permission. Teladoc does not replace the primary care physician. Teladoc does not guarantee that a prescription will be written. Teladoc operates subject to state regulation and may not be available in certain states. Teladoc does not prescribe DEA controlled substances, non-therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. Teladoc physicians reserve the right to deny care for potential misuse of services.  Click here to view a Teladoc Access Map.

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This plan is not available in KS, UT, VT, and WA.

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