Q: Are your Cards an insurance program?
A: NO. We do not sell or offer insurance of any kind.  Our plans were developed to provide significant dental, health and medical service savings benefits to its members. These savings would not be possible if our plan was structured as an insurance product.

Q: How much can I expect to receive in savings benefits?
A: There are many factors involved in determining the percentage of saving benefits you will receive. These factors generally include which provider you select, whether a provider is a medical specialist, the nature of services or type of prescription drugs received by you, your geographic location and the type of facility where you received services. 

Q: How much are co-payments?
A: Because the our plans were created NOT to be an insurance program, there are absolutely no co-payments. You will receive the savings benefits from your medical provider at the same time service is provided to you!

Q: How does the plan work?
A: It's very simple. Our members simply presents their Membership Card at the time of payment to receive the reduced price and savings.  Pre-scheduling is required for Hospital stays.

Q: When will I receive my enrollment pack and Identification Cards?
A: Your enrollment packet, which includes your Member Information Manual and your Identification Cards, will be forwarded to you by U.S. Mail, within 10 - 14 business days after your enrollment date.

Q: When can I start using the plan?
A: As soon as you receive your enrollment packet, which includes your Identification Cards, you can use the plan. Simply follow the terms and conditions of the plan and present your card to the healthcare providers listed under the plan when you use them. 

Q: I have called a few doctors you have listed on your web page and they said they had never heard of your company. Why don't they know who you are?
A: We are a new and innovative approach for access to affordable healthcare. With over 700,000 providers nationwide it should be expected that many providers will not be familiar with our name just yet. However, the providers listed on our web page DO have agreements with the PPO networks providing services to our members. Your Identification Cards, which include the appropriate PPO network names, will have the necessary information for the provider to process your savings benefits.

Q: How do I know which providers will honor the my Membership Card?
A: When you enroll, you will receive an enrollment packet that includes a list of the healthcare providers in your area who participate in the plan. You can also access this list by clicking on Provider Locator at this website or by contacting Member Services on the toll-free number provided in your enrollment packet.

Q: What if I have a pre-existing condition?
A: Our innovative and unique plan eliminates ALL pre-existing condition limitations, regardless of your current health. You are NOT disqualified from receiving benefits under the plan because of a pre-existing condition.

Q: Do I have to file a claim form to get the savings?
A: No. There are no claim forms or other paperwork to file. Most providers will furnish you with the network price immediately during your visit.

Q: Do you have a money back guarantee?
A: Yes. As stated in Our Guarantee, if you are not completely satisfied for any reason, simply return the Identification Cards that are included in your enrollment packet postmarked within thirty (30) days of your enrollment date and you will receive a complete refund of your first month's plan fee.

Q: Do I have to pay the reduced rate at the time of service?
A: Yes. All payments are due at the time of service or arrangements for payment suitable to the provider.

Q: Can I use a check, credit or debit card to pay the providers?
A: Yes. You can use all methods of payment accepted by the provider, including cash.

Q: Can I choose my own providers?
A: Yes, as long as you choose from any of the providers listed in our networks. If your provider is not presently in our PPO Networks you can Nominate the provider for inclusion directly from our website.

Q: Does the membership include benefits for my family?
A: Yes, if you enroll under the family plan, any person who is considered a legal dependent under IRS guidelines (Do you claim him/her as a dependent on your Federal income tax return?) can qualify as a dependent on your membership. 

Q: Can I use my benefits as often as I want?
A: Yes, you can use your benefits as often as you want.

Q: Are there any age limits for qualifying or using the plan?
A: No. Any member in good standing can use the plan regardless of age.

Q: Can I use these benefits if I have insurance?
A: Yes, this plan is designed to assist everyone in saving money and it does not matter if you have insurance coverage.

Q: I already have insurance. How does the plan work with my insurance?
A: There are many types of insurance coverage and it is not possible for us to offer advice how our plan works with all of these various types of insurance coverage. Our plans do provide a reduced price for the service you receive from a provider. The cost for the services rendered to you is repriced BEFORE any insurance benefit is applied to the cost.  Our plans may reduce the out-of-pocket expense that you are required to pay and is not paid by your insurance coverage. For example, if you have a high deductible with your insurance coverage, our plans may reduce your out-of-pocket expenses not reimbursed by your insurance coverage. Of course, for those services or products not covered by your insurance but included in our plans, you will receive savings benefits.

Q: What if I'm traveling or moving and need to use the plan?
A: That's not a problem. Click on Provider Locator and see who is available in that area or contact Member Services and a Representative will gladly help you.

Q: Why would a provider be interested in your Plans?
A: Currently, millions of Americans have limited healthcare benefits or none at all, and cannot afford the cost of medical services. With the Health Benefit Card Plus plan, consumers can more easily afford the cost of these services and the providers see this as an opportunity to acquire new patients and increase their practice.  In addition, healthcare professions eliminate the never-ending stream of red tape, payment delays and expense typically associated with patients filing insurance claims.

Q: How do I know which providers will honor my Membership Card?
A: When you enroll, you will receive an enrollment packet that will include a list of the healthcare providers in your area that participate in the PPO Networks in our plan. Information on specialists and other services can also be obtained by calling the toll-free Member Services number listed in your enrollment packet.

Q: Do I have to wait until I get my Identification Card or can I get the savings now?
A:  You must wait until you receive your Identification Card before obtaining any savings. The provider will need your card to verify your enrollment and to obtain certain information from the card.

Q: How do I locate providers in other areas?
A: Just click on Provider Locator to see who is available in that area.

Q: If I have a change in my membership information, what do I do?
A: Contact Member Services and we will update your information.

Q: I have moved and need a provider list for my new area. What do I do?
A:  Contact Member Services. We will update your information and mail you a new provider list for your area.

Q: Can you send me a monthly bill instead of automatically charging my credit/debit card or debiting my checking account?
A: In order to keep costs and prices low and still provide the best service possible, we have eliminated the expense of direct billing and only provide our automated service.  

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