These Are a Few of My Favorite Things

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.

For Terms and Conditions, click here.