ConsultADoctor

Consult A Doctor™ offers 24/7 access to its proprietary nationwide cross-coverage network of U.S. licensed physicians for telephone and secure e-mail medical consultations. Physicians provide specific answers to medical questions and advice regarding non-emergency, routine medical conditions. Physicians discuss symptoms, recommend treatment options, diagnose many common conditions, and prescribe medication when appropriate.

You can connect via telephone or e-mail, free of charge, with our network of physicians for informational or diagnostic consultation.

Highlights

• On-demand healthcare – wherever and whenever you need, as often as you need.
• Access to a physician from anywhere via telephone or e-mail , 24 hours a day, 7 days a week
• Physicians discuss symptoms, recommend treatment options, diagnose many common conditions, and prescribe medication when appropriate. Never wait for a doctor again!
• Save money by avoiding unnecessary doctor’s office or ER visits.
• Never wait for an appointment or sit in the doctor’s office again.
• Our network of physicians is U.S.-based, licensed, board-certified, rigorously credentialed and experienced. • Instant, affordable coverage for all ages - from children to senior citizens
• Powerful online health tools that empower members to lead healthier, more productive lives.
• Easy method of payment debit or credit card • Prescriptions phoned into your local pharmacy for pickup.
• HIPAA compliant and confidential
• Free Personal Health Record (PHR) – Store, manage, and share your medical records from one central location.
• Consult A DoctorTM physicians do not prescribe controlled medications.
• Consult A DoctorTM is not insurance.
• Consult A DoctorTM does not replace your primary care physician.

Vision Benefit is not available to VT residents.

VISION

Coast to Coast (CTC) Vision has contracted with over 12,000 eyecare locations nationwide. Members save on eyeglasses, contacts, eye exams and surgical procedures.

The CTC provider network is the most comprehensive in the U.S. and includes ophthalmologists, optometrists, independent optical centers and national chain locations such as Pearle Vision, JCPenney Optical, Sears Optical, Target Optical, LensCrafters, and EyeMasters.

Highlights

• Savings of 20% to 60% on prescription eyewear.
• Also, save 10% to 20% on contact lenses (excluding disposables) at participating retail locations.
• Savings of 10% to 30% on eye exams.
• Save 40% to 50% off the overall national average on LASIK surgery (PRK and CK available at select locations).
• Most frames, lenses and specialty items such as tints, coatings and UV protection are available.
• No limit on the number of times membership may be used during the year.
• Two guarantees - 30 day unconditional money-back satisfaction guarantee and low price guarantee on eyeglasses
• Members may nominate their own eye care professional to join the network.

Vision Benefit is not available to VT residents.

Dental

Highlights

• Members save 15% to 50%* on everything from general dentistry and cleanings to root canals, crowns and orthodontia.
• Over 76,000 ** dental practice locations.
• Save on routine dental services such as x-rays and fillings.
• Save on specialty care such as orthodontics and periodontics where available.

Before scheduling an appointment, the member will call the number on the back of their card to speak with a Patient Advocacy representative. The representative will contact providers in the network to ensure the dental office understands the Dental Care discount card and is accepting new patients.

The representative will then contact the member to provide several different dental care locations so the member may select the provider that most meets their specific needs and book an appointment.

Dental benefit is not available to VT residents.

*Actual costs and savings vary by provider and geographical area.
** According to the Aetna Enterprise Provider Database as of October 1, 2008.

The discount program provides access to the Aetna Dental Access® network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent, representative or employee of discount program. Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.

TEETH WHITENING KITS FROM BRIGHT AND WHITE, INC.

• Save 75% on professional teeth whitening kits
• Custom-madetray from personal impressions
• No Dental Visits
• Direct to you by Priority Mail
• Bleaching gel is great for sensitive teeth

Retail Pharmacy

The neighborhood pharmacy program assures members the lowest price on prescription drugs, saving 10% to 60% on most prescriptions.

It's simple to use. The member simply presents the membership card to the pharmacist with the prescription. The pharmacist calculates the discount and the member pays the discounted price. No other forms required.

Highlights

• 10% to 60% savings on most medications.
• Over 60,000 national and regional pharmacy chains participate as well as independent pharmacies.
• No pharmacy program is complete unless it includes both retail locations where members may fill acute care medications and a mail order program so members may optimize their savings by purchasing maintenance prescriptions in 90 day supplies to treat ongoing ailments.
• Do not call the pharmacy for price quotes. Prices may change from day to day and they cannot be given over the telephone.

Mail Order Pharmacy

To ensure members always save money on their prescription drugs, a unique mail order program was created to complement the network pharmacy benefit. Since most maintenance medications are purchased in 90 day supplies, members maximize savings and have the convenience of home delivery (at no additional charge) through HealthTrans. Accuracy is assured by requiring every order to pass seven quality checkpoints before shipping.

Highlights

• Prices average 10% below AARP mail order pricing
• If the member finds a lower retail price from a local retail pharmacy, the Mail Order Prescription Plan will beat that price by $5.00* on brand name and generic medications priced at $10.00 or more. Not valid in conjunction with other discount or insurance cards.
• Prescriptions are delivered right to your door; no postage or dispensing fees added.
• Unlike competitive programs that restrict available medications to their "approved" list, the Mail Order Prescription Plan is an "open formulary", so doctors may prescribe the most effective medication to treat the member's ailment or condition.

*The $5.00 guaranteed savings cannot be used in conjunction with other discount or insurance cards. **Pharmacy Discounts are Not Insurance and are Not Intended as a Substitute for Insurance.
The discount is only available at participating pharmacies.

The discount is only available at participating pharmacies.

Chiropractic

Members save 30% to 50% at over 3,000 participating Doctors of Chiropractic nationwide.

Members may choose from more than 3,000 participating Chiropractors. Members enjoy a variety of savings and services including a free consultation, 50% savings on diagnostic services, 50% savings on x-rays performed on-site and 30% savings on treatment and other services. Also, members have unlimited access to care with no limits on the number of visits. Each chiropractor’s license and insurance are carefully verified before being accepted in the network. Items such as vitamins and durable goods are priced at the doctor’s discretion.

Highlights

• Free initial consultation
• 50% savings on diagnostic services
• 50% savings on x-rays performed on-site (if necessary)
• 30% savings on treatment and other services
• Unlimited access to care with no limits on the number of visits
• Over 3,000 providers nationwide
• Each chiropractor’s licensure and insurance are carefully verified before being accepted in the network
• Items such as vitamins and durable goods are priced at the doctor’s discretion

Chiropractic is not available to VT residents.

Dining Program

Members of the Dining Program are entitled to savings of up to 50% at dining establishments ranging from casual family eateries to fast food establishments and ice cream parlors. Currently, Dining Access members save at over 20,000 restaurants around the country. The Dining Program is the more affordable way to dine at favorite restaurants.

Highlights

• Over 20,000 participating restaurants around the country