With the launch of the Affordable Care Act (ACA), I have heard
“chatter” about the damage it will do to the Discount Benefit Industry. Au contraire mon ami. Not only will Obamacare not harm the industry, it will
be needed more than ever!
I want to make it clear that discount plans are NOT insurance
and do not pay anything toward its members’ expenses. I will not discuss my
personal opinion of the ACA in this post, and I ask that readers not express
their opinions here either. Instead, I
would like to talk about how Xpress Healthcare’s® discount plans are a perfect
supplement to Obamacare.
The ACA requires that all insurance policies include 10
essential elements. Those elements do not include adult dental, vision or
hearing services, so the majority of the insurance companies are not including
them. This is where my favorite (and
least expensive) Xpress Healthcare® benefit plan comes in. Our Premium Plan
offers discounts (from 10-85%) on dental, vision, hearing, prescriptions,
vitamins/diabetic supplies and medical supplies. As a member myself, I saved over $1000 in 2013
on my family’s dental and prescription costs. I have health insurance, but my
discounts saved me far more than my insurance on my prescriptions, which can
vary depending on geographical location. Our Premium Plan* is only
$19.95 and that includes all of your immediate family members! Our dental
provider network is Aetna Dental Access™, and our discounts are great!
Xpress HealthCare® can be a great compliment to those who
participate in Obamacare.
Xpress Healthcare® offers four benefit packages:
Xclusive - $49.90/month/family – Offers discounts on
physician’s care, hospitalization, Aetna® Dental Access, vision, hearing, Rx,
LifeLock® ID Theft Protection, labs/imaging, pet care and supplies,
chiropractic, legal services, a nurse line, roadside assistance, medical
supplies, vitamins/diabetic supplies, medical bill saver (negotiation service)
and a cash back rewards website.
Premium Plus - $29.95/month/family – Offers discounts on
Aetna® Dental Access, vision, hearing, Rx, doctor’s-by-phone (Telahealth),
chiropractic, labs/imaging, medical supplies and medical bill saver.
Premium * (see above for details)
Lifestyle Select -
$19.95/month/family – Offers savings on LifeLock® ID Theft Protection, pet care
and supplies, legal services, roadside assistance, and a cash back rewards
website.
So, as you see, the Discount Plan Industry may well flourish as
a result of Obamacare. My company,
Xpress
Healthcare® is prepared to offer our members great savings on
their dental, medical and lifestyle expenses.
For additional information about Xpress Healthcare®, please
visit http://2YourHealth2.INFO.
We look forward to helping you and your family save money this
year.
====================
Xpress
Healthcare® is only available in the United States (except, WA, KS, VT, UT, and
AK).
Disclosures:
Discount
Medical Plan Organization:
New
Benefits, Ltd.
Attn:
Compliance Department
PO
Box 671309
Dallas,
TX 75367-1309
800-800-7616
Coast to Coast Vision™ and UHS Chiropractic™ are owned and
operated by New Benefits, Ltd.
This plan is NOT insurance. This plan does not make payments
directly to the providers of medical services. The plan member is obligated to
pay for all healthcare services but will receive a discount from those
healthcare providers who have contracted with the discount plan organization.
This plan provides discounts at certain healthcare providers for medical
services. The range of discounts for medical or ancillary services provided
under the plan will vary depending on the type of provider and medical or
ancillary service received. Pharmacy discounts range from 10% to 85% on most
medications.
New Benefits will receive and retain a fee from network providers
for eligible prescription, hearing, lab, and imaging purchases. The discount
medical card program makes available, before purchase and upon request, a list
of program providers, including the name, city, state, and specialty of each
program provider located in the cardholder's service area.
This discount card program contains a 30 day cancellation period.
FL, LA, MS, ND, OK, RI, SC, SD and TX residents: Member shall
receive a full refund of membership fees, excluding registration fee, if
membership is cancelled within the first 30 days after the effective date. AR
and TN residents: A refund of all fees will be issued if membership is
cancelled within the first 30 days. MD Residents: The membership fee and
one-time registration fee (minus $5.00) will be refunded if cancelled within
the first 30 days and upon return of the discount card. The plan is not
insurance coverage and does not meet the minimum creditable coverage
requirements under the Affordable Care Act or Massachusetts M.G.L. c. 111M and
956 CMR 5.00.
Regulated discount benefits are not available in the state of
Washington, at this time.
WA residents: If a member cancels his or her membership in the
discount plan organization within the first thirty days after the date of
receipt of the written documents for the discount plan, the member must receive
a reimbursement of all periodic charges upon return of the discount plan card
to the discount plan organization.
1. (A) Cancellation occurs when notice of cancellation is given to
the discount plan organization. (B) Notice of cancellation is given when
delivered by hand or deposited in a mailbox, properly addressed and postage
prepaid to the mailing address of the discount plan organization, or e-mailed
to the e-mail address of the discount plan organization.
2. (A) Discount plan organization shall return in full any
periodic charge charged or collected after the member has given the discount
plan organization notice of cancellation. (B) If the discount plan organization
cancels a membership for any reason other than nonpayment of charges by the
member, the discount plan organization shall make a pro rata reimbursement of
all periodic charges to the member.
If a resident of the state of Washington remains dissatisfied after
completing the organization's complaint process, the plan member may contact
the office of the insurance commissioner at: Washington Office of the Insurance
Commissioner, P.O. Box 40256, Olympia, WA 98504-0256 - 800-562-6900 -
www.insurance.wa.gov
Internet website address to obtain participating providers is
MyMemberPortal.com.
