FAQ

Ask Anything FAQ

Q. What is Ask Anything?

A. Ask Anything is concierge services and more designed to make life less complicated, with extensive assistance via telephone, website, or e-mail. Call upon them to hire, research, or contract vendors and services, make purchases on your behalf, or to obtain information. Whether you are at work, on the road, or at home, Ask Anything provides valuable solutions to help you get personal and business related tasks accomplished.

Q. Can I count on Ask Anything to provide me with valuable solutions?

A.They are at your service 24 hours a day, 7 days a week providing different solutions to meet all of your needs. There is practically no limit to what you can get done.

Q. What can I expect to save with this membership?

A.Time. Ask Anything is a research and referral service that can save countless hours by helping busy people get things done through real-time coordination of personal and convenient services.

Q. Can everyone in my family use this service?

A.Ask Anything services are extended to your spouse, and any legal dependants.

Q. How long will it take for the concierge to respond?

A. Ask Anything boasts a three to six hour response time — the fastest in the industry!

Q. I am trying to plan a trip to France but speak no French. Can Ask Anything help make these plans?

A.Yes. The expert concierges at Ask Anything will give you peace of mind, knowing that all details are translating properly and you will receive recommendations for attractions and dining from someone who is personally familiar with France .

Q. I'm trying to locate a specific toy that I haven't been able to find at any department store. Can you help me?

A.Yes. Describe the toy and we will contact you within 3-6 hours. If the results are still not what you are looking for, we will continue searching until we find exactly what you want.

Chiropractic FAQ

Q. What is the chiropractic benefit?

A. UHS Chiropractic provides services at discounted rates from a choice of over 6,000 participating Doctors of Chiropractic.

Q. How much can I expect to save?

A. Members of UHS will receive a free initial consultation, as well as 50% savings on diagnostic procedures and x-rays, and 30% savings on treatments and most other services.

Q. Who needs chiropractic care?

A. Everyone can benefit from modern, safe, effective, and painless chiropractic care.

Q. How do I receive my discount when I go for treatment? Must I file a claim?

A. All you need to do to receive your discount is show the provider your membership card and tell them you are with UHS Chiropractic. To ensure you receive a discount, it is very important that you mention UHS when you make your appointment and at the time of service since this is a non-insured plan, there are no claim forms or reimbursement procedure. The discount is always applied at the time of purchase.

Q. Can I receive a discount at any chiropractor's office?

A. No. You must go to a location that is contracted with UHS Chiropractic in order to receive your discount. Members can call our toll free number 24 hours a day, seven days a week or go to www. locate providers.com to access the names of participating providers nearest them.

Q. How do I nominate my chiropractor for this program?

A. If you wish to nominate your chiropractor to the UHS Chiropractic program, just complete a nomination form, located in your membership packet, and we will contact them about becoming a provider.

Q. Is there a limit on how many times I can use my card?

A. There is no limit on the number of times you and your family can take advantage of the savings provided by the UHS Chiropractic benefit throughout the year.

Q. Is there a consultation fee?

A. The initial consultation is free!

Q. Can I use this card in conjunction with my insurance?

A. Yes. In fact, after you pay the discounted amount at the point of service, you may then file the claim with your insurance.

Dental FAQ

Q. What is included in IAB's Dental Program?

A. This is a comprehensive plan covering most dental services including: dentures, occlusion (bite) analysis, bridges, x-rays, braces, amalgam fillings, crowns, missing or broken teeth replacement, oral surgery orthodontics and more.

Q. Can I go to any dentist?

A.Yes. The IAB dental program pays for procedures according to a schedule. IAB will pay this amount based on the procedure performed by any dentist. However, if you go to a network dentist then you have the added benefit of reduced pricing, thus reducing your out-of-pocket expense.

Q. Is there someone I can turn to with questions about the card and services offered?

A.Yes. Simply call the toll free number on the back of your membership card. Customer Service Operators are standing by to answer any questions.

Q. Is there a limit on how many times I can use my card at the dentist office?

A. There is no limit on the number of times you and your family can take advantage of the savings available throughout the year. However, on the insured portion there are limits and exclusions as noted in your membership handbook.

Q. Do I have to file my own claim?

A.Not on the network contracted rates received at the time of service. If there are IAB insurance benefits applicable, then a claim must be filed to receive reimbursement.

Q. How do I use my dental plan?

A.Please call your dentist to verify that he or she is a participating provider on your plan. For the most current information and weekly provider updates, please check the website.

Q. How often can I use my plan?

A.There are no limits on how much you can use your plan or visit your dentist to receive reduced pricing.

Q. What type of emergency coverage do I have?

A. In case of emergency, you should contact your usual network provider. If your provider is unavailable, contact a Member Service representative or visit our website to locate another provider in your area.

Q. My dentist isn't currently on your provider panel. What can I do?

A.Once you let our Member Services department know who your dentist is, we will contact him or her about becoming a provider.

Hearing FAQ

Q. What is the hearing care benefit?

A. Members are eligible to receive discounts up to 48% on name brand hearing aids through Hearing Planet. Members call the toll-free number to speak with a representative who will answer questions about hearing loss, hearing aids, pricing/payment options and arrange a hearing test appointment at the closest hearing provider. Members utilizing this program may also receive a free two year repair warranty on hearing aids, as well as a free one year supply of batteries and a 5% discount on future purchases of cartons of batteries. Furthermore through Beltone, members would receive a 15% discount and a free hearing test at over 1,200 Beltone locations throughout the US and Puerto Rico . In addition, a mail order program that offers discounts up to 60% on most brands is available in 42 states.

Q. How many times per year may I use my hearing discount?

A. There is no limit on the number of times you may use your discount card for any benefit.

Q. Will my spouse be covered with the same membership card?

A. Yes. This plan covers you, your spouse, and your legal dependants.

Q. Is the discount the same at all Beltone locations?

A. Yes. All Beltone locations will offer a 15% discount and a free hearing test.

Q. Will I have a selection of hearing aids from which to choose?

A. Yes, Hearing Planet offers 15 different brands and over 90 models through their 1000 plus providers. Beltone offers 70 models of hearing devices through 1200 Beltone locations.

Q. Are there payment plans for hearing aid purchases?

A. Yes, Hearing Planet offers 3 and 6 month same-as-cash, and financing up to 4 years at 12.96% with no early pay-off penalties. Approval is easy and takes just a few minutes over the phone.

Q. What states do not allow hearing aids to be bought through the mail?

A. At this time Colorado , Florida , California , Washington , Oregon , Massachusetts , Idaho , Missouri , and Texas restrict sales of mail order hearing aids.

Legal Club FAQ

Q. Can I change attorneys, for whatever reason?

A. Yes, at any time and for whatever reason and as often as is needed. You aren't restricted in any way. Simply call the Customer Service center at 800-305-6816 for a new referral to a participating attorney anytime you need one.

Q. What happens if I move to another part of the country?

A. You simply call the Customer Service center at 800-305-6816 and you will be assigned to another network attorney. With a network of 20,000 attorneys in all 50 United States, and Puerto Rico and the U.S. Virgin Islands, you'll always be able to have your legal needs taken care of.

Q. What is excluded or not eligible under the plan?

A. Nothing . Since the plan is not an insurance policy, there are no pre-existing conditions, exclusions, waiting periods or usage limitations. All areas of law are eligible for the plan discounts; including, but not limited to, simple traffic offenses to more complicated custody, criminal and civil suits.

Q. What are some of the benefits?

A. As a plan member, the attorney referred to you will provide:

• 7 free services, such as the preparation of a simple will (along with annual updates), unlimited consultation per new legal matter, review of important legal documents per new legal matter (6 page max.) and many others.

• 8 deeply discounted services, such as $210 for a simple divorce, $250 for filing Chapter 7 bankruptcy, $175 for a real estate closing, to name just a few.

• An extended service and in-court representation is available for no more than $75 per hour. This is a tremendous savings from the national average of $210 per hour.

• Contingency fees (if any) are at a 10% reduction of the state's maximum rate, or the attorney's usual rate, whichever is lower.

Q. Who is eligible? Do I have to add my spouse and/or children?

A. You, your spouse and all children residing in your household up to the age of 23 are automatically included in the plan.

Q. When do I need an attorney?

A. Attorneys are needed in various cases, including:

-When buying a home.
-When contemplating divorce.
-When dealing with child custody issues.
-When confronted with overwhelming debt.
-To review any lease or rental agreement.
-When you have a dispute with an auto mechanic, neighbor, service vendor, retail store, etc.

Long Term/Elder

Q. What is the Long-term/Elder care benefit?

A. A one stop resource for those who are concerned about or actively caring for an aging parent or other family member. Aging experts draw on their experience, knowledge of local resources, and the latest information on aging to answer your question, identify the real issues, and arrange for the help and resources you and your aging family member need.

Q. How does this benefit work?

A. Simply call our toll free number 1-888-262-0899 and speak with an elder care representative. Once eligibility is established, you will be asked for information that will assist the representative in directing you to the appropriate elder care specialist. The trained and experienced elder care specialist will help with understanding the issues related to caring for an older person and assist in making the right choices. Alternatively, access elder care information, personalized planning tools and other resources on the web by visiting www.nursenavigator.com

Q. Is this service for me?

A. Yes, if you are a caregiver and actively providing support to or just worried about someone going through the aging process.

Q. What does this benefit offer?

A. We're an extra pair of eyes, ears, and hands, looking in on your family member and reporting back to you. Highlights of the program include:

-Elder Care Information and Referral — Care Management Associates are available 24/7 to provide assistance with elder care concerns, answer long-term care questions and help locate local assistance.
-Discount home health and long-term network — Long Term — Members can save up to 30% at 5,500 providers when seeking home health agency or assisted living facilities.
-Elder care web site access — Comprehensive website that offers features such as skill sheets, condition research, caregiver advice, two minute test, care giver tools, resource finder and member reports.
-Discounted fee for service geriatric care management services — 3,500 nurses and social workers provide telephonic and in-home evaluations (for an additional hourly or package fee) for all levels of care from basic to comprehensive.

Medifile FAQ

Q. How does Medifile work?

A. Medifile's state-of-the-art technology allows you to store your Health Profile, which includes all of the information you want a healthcare provider to know about you in a medical emergency or routine medical encounter. Then, when you need it, the information stored at Medifile can be released instantly after verifying your identity and authenticating the request, even if you are unconscious. This includes information about your:

-Medical conditions and treatments

-Allergies

-Medications

-Emergency Contacts

-Primary Care and Specialty Physicians

-Insurance Coverage

-Living Will and other Advance Directives

Along with your Health Profile, you may also use Medifile to store up to 15 pages of more extensive and comprehensive information. These documents may be Discharge Summaries, Operative Reports, Lab Results, EKG Reports, and Advance Directives (Health Care Proxy, Power of Attorney, and Living Will), or any other document you think will be important to your healthcare providers.

Q. Ho w do I know my medical information is always kept confidential and safe?

A. When you need your medical information fast, you - or a qualified emergency healthcare professional - can call and speak directly with a Medifile Operator. Our Operators are fully trained to handle and release the most sensitive medical information and expedite requests professionally and accurately. In addition, our release policies and procedures have been carefully developed by Medical Record Professionals to ensure your right to privacy. Only you and individuals you authorize can access your information. The release is made either by fax, phone, or through this web site.

Q. What do I do in an emergency situation?

A. You, or your healthcare provider, should call our emergency-only "hot line" using a toll free telephone number made available to members only. A Call Center Operator will verify your membership and immediately release your Health Profile to your caregiver either by fax or by phone if the situation requires it.

Q. What if I'm unconscious, or I don't have my Medifile ID card or I forget my PIN?

A. If you are unable to provide your Account Number and/or PIN, we will do everything possible to verify your membership and to obtain identifying factors that are unique to you. In addition, we verify that you are receiving emergency treatment at the facility that is requesting your information.

Q. What if I want to add to or update the information in my files?

A. You may make as many changes or additions to your account as you need, free of charge, by submitting them to us on the Change of Information form included in your Membership Kit. For example, you should provide us with any change in address, phone number, insurance carrier or Primary Care Physician. Some examples of additions would be a newly discovered allergy or medical condition or a newly prescribed medication.

Q. W hen can I begin to use the service?

A. You can begin to use your service as soon as you have reviewed your personal Health Profile contained in your Membership Kit and have verified that it is accurate and complete. If the information on your initial profile is not correct, immediately call our toll-free telephone number, we'll make the necessary changes and send you a revised Health Profile.

Q. What other services does Medifile provide?

A. In the event of an emergency, Medifile will notify your emergency contacts of your situation and inform them about any pets at home in need of attention during your absence.

Prescription Drugs FAQ

Q. What can I expect to save with this membership?

A. Prices will always vary on prescription drugs and therefore it is impossible to estimate specific dollar savings through any non-insured drug program. Your membership offers two avenues for drug purchases: The Neighborhood Pharmacy program offers 10-50% discounts on acute care medications.

Q. Do I get a discount on every single drug at the neighborhood pharmacy when I use my Membership card?

A. Not necessarily. Drug stores, like hardware and grocery stores determine their own pricing structures. Due to large discounts from manufacturers, some drugs may already be priced at or below the PBM's discount price. However, as a general rule, you can expect that 80% to 90% of your required, acute-care prescription needs will be discounted below the stores usual retail price. The PBM network pharmacies have agreed to sell prescription drugs at the contract price, or their "usual retail price" whichever is lower.

Q. Why didn't I save any money at the participating local drugstore?

A. More than likely, you ordered a long-term maintenance medication versus a short-term acute care medication such as an antibiotic or pain-killer. Most pharmacies use long-term, maintenance medications as "loss leaders" and price these drugs at or below cost. They do this so that their customers will assume that all their prices are low. It's a marketing strategy. The pharmacy realizes that for long-term medications, you'll shop around in order to get the best price for a medication that you may be taking for the rest of your life. As the consumer, you are led to believe that this pharmacy has low prices on all their prescription drugs and other items. Our pharmacy program has contracted with independent and chain pharmacies nationwide to offer you a discounted price that will normally save you 10% to 50% on short term medications. However, in order to draw customers, many pharmacies opt to price their prescriptions lower than the contracted price. In this case the member gets the lower of the two. Normally, they use high profile maintenance drugs for these "loss leader" price reductions such as Prozac, Zantac, and Premarin.

Q. What if the Pharmacist doesn't recognize the card's name?

A. Always make inquiries in person and be sure to bring your card with you. When the pharmacist sees the Pharmacy Benefit Manager information on the card, the pharmacist then understands which program you are on.

Q. Is this a co-pay insurance card?

A. No. A co-pay card is an insured product where the customer pays a preset amount and the insurance company pays the remainder. This membership is a discount card offering reduced prices. You are responsible to pay the pharmacy 100% of the discounted price.

Travel Assist FAQ

Q. Do the services and benefits apply when I am at home or in a local hospital?

A.The Services and Benefits apply when a participant is traveling more than 100 miles from his/her permanent place of residence and a local medical facility cannot perform the medically necessary treatment.

Q. Do the Services and Benefits reimburse expenses for an emergency evacuation arranged by the participant, family member, hospital, police, etc.?

A.No. All arrangements for an Emergency Medical Evacuation must be made by the Assistance Provider's Representative. The Travel Assistance Program services and benefits are a pre-paid benefit program, not insurance and expenses cannot be reimbursed.

Q. What other benefits are provided in addition to the Emergency Medical Evacuation Benefit?

A.Other benefits include:

-Transportation of participant's spouse or family member when member is hospitalized for more than 7 days. In addition, lodging and meal expense for spouse or other family member up to $ 100 a day for 10 days.

-Minor child(ren) return home transportation and/or escort for such purpose, if necessary.

-Return of participant's vehicle up to $ 1,000.

-Transportation of participant to domestic hospital from international hospital, if deemed medically necessary by the Attending Physician and Assistance Provider's Program Medical Director and subsequent to a previous Emergency Medical Evacuation.

-Transportation of participant's spouse or other family member acting as escort for participant based on availability of space.

Q. If I am on a mountain skiing and I fall and break my leg and I have my cellular phone, can I call and have a helicopter pick me up?

A.The Emergency Medical Evacuation benefit is a hospital to hospital evacuation benefit. The benefit does not cover the initial 911 situation. It is imperative that the Assistance Provider's Medical Staff consult with the Attending Physician to assess the participant's medical condition so that whatever means of transportation is utilized for the Emergency Medical Evacuation; it is properly equipped and staffed.

Q. If my spouse is in a foreign hospital and going to be evacuated to a hospital in the United States , does the family reunion benefit provide transportation to the foreign location, so that I may accompany my spouse back to the United States ?

A.: The Family Reunion benefit provides transportation to the hospital where a participant is hospitalized, if that participant is expected to be hospitalized for more than 7 days.

Q. Does the Travel Assistance benefit cover my mother who lives with me?

A.The Travel Assistance benefit covers the participant, his/her legally married spouse and dependent children, the primary participant's unmarried child from birth until his/her 18 th birthday; or the primary participant's unmarried child who is over 18 years old, but not older than 25 years old and is enrolled as a full time student at an accredited school or college and/or is not employed on a full-time basis.

Q. While I am traveling in Europe , I become injured in an automobile accident. I am taken to a local hospital where surgery is to be performed. I want my local doctor to perform the surgery. Can I be evacuated back home to my local hospital?

A. If the Program Medical Director of the Assistance Provider in consultation with the Attending Physician are in agreement that appropriate surgery can be provided at the present location an evacuation will not be authorized. The benefit provides for an Emergency Medical Evacuation when it is Medically Necessary to move the participant to the nearest facility where adequate care can be provided. In addition, once the participant has recovered adequately and the Attending Physician and Assistance Provider's Program Medical Director agree it is Medically Necessary, the benefit will provide transportation for the participant to a hospital or nursing home nearer his permanent place of residence within certificate limits.

VIP Health & Wellness FAQ

Q. What is the vitamin benefit? How can I participate?

A. The VIP Health 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. To participate in this program, members simply call a toll-free number and request a catalog.

Q. Can I use this benefit in any retail locations?

A. No. The vitamin portion of the VIP Health program is strictly a mail order process.

Q. What are the advantages of using this program as opposed to shopping for vitamins at my local retailer?

A. In addition to receiving $5 off your initial order, you will have the convenience of toll-free ordering and your purchase will be quickly delivered to the location you desire.

Q. Will I need to call each month to request a catalog?

A. No. Once you place a health supplement order, your 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, you can take advantage of discounts on herbs, minerals, weight loss, digestive aids, and much more.

Vision Care FAQ

Q. What is the vision benefit? Does it include eye examinations? Does it include contact lenses?

A. The vision benefit offers 20% to 60% discounts on eyewear and eye care at more than 10,000 optical locations throughout the United States . Providers include national optical chains such as LensCrafters, Pearle Vision, EyeMasters, J.C. Penney, and Sears 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) and non-prescription sunglasses at retail locations. Members may elect to use the mail order service to purchase replacement contact lenses (including disposables) at 20% to 60% discounts.

Q. Is the Coast To Coast (CTC) discount plan insurance?

A. No - While an insured plan is available, CTC is a discount eyewear and eye care program. There are no claim forms or reimbursement procedures. The participating retail optical locations will give you the discount at the time of the purchase.

Q. Can I use CTC if I already have vision insurance?

A. Yes - in most cases CTC can be utilized to eliminate or reduce the deductible and to buy additional pairs of glasses or contacts once the insurance benefit has been exhausted.

Q. How many times can I use my CTC membership?

A. There is no limit on the number of times you and your family can take advantage of the savings provided by CTC throughout the year.

Q. Does the CTC discount plan cover my family?

A. It covers you, your spouse and all your legal dependents.

Q. What is covered with CTC membership?

A. Prescription glasses, non-prescription & prescription sunglasses, and contact lenses are discounted 20% - 60% in most cases. Eye exams and surgery are discounted 10% to 30% where available.

Q. Why does the discount vary from 10%-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 will vary.

Q. Is the discount the same at different locations?

A. The discounted price for the exact same pair of glasses at any of our locations should vary only slightly. The discounted Coast to Coast price should be very close to the same at each location.

Q. Can I go to any place that sells glasses to get the Coast To Coast Vision Plan discount?

A. No-you must go to an optical location that is contracted with Coast to Coast Vision to get your discount. Our providers include national, regional and local chains as well as thousands of independent professionals. Members can call our toll free number 24 hours a day, seven days a week, to access the names of participating providers nearest them.

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 4000 of our 10,000 locations 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 Plan 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 8 million members to the optical retailers participating with us.

Q. How do I get my eye doctor or optician on the Coast To Coast plan?

A. If you wish to refer your doctor to the Coast to Coast Plan, 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 20% discount when purchasing replacement contact lenses at participating optical centers, the greatest savings & selection for contact lenses is often offered through the mail order program. Replacement contact lenses are discounted at 20% to 60% 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 800 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.

THIS IS NOT INSURANCE. Payment must be made at the time of service in order to receive a discount.