|
|
F.A.Qs
|
General Information
Dental
Vision
Payments
Chiropractic
Physician Selection
Prescription Drugs
General Information
Q: What is the Family Healthcare Discount Plan?
A: The Family Healthcare Discount Plan is a discount membership program that provides access to quality healthcare providers nationwide. Our goal is to bring you quality service at affordable prices for all your healthcare needs.
Q: Is the Family Healthcare Discount Plan insurance?
A: No, it is not an insurance company. It is a discount plan that can be used by itself or as a supplement to insurance.
Q: How do I enroll?
A: You may enroll on-line 24 hours/day.
Q: How does the plan work?
A: One low price covers your entire family. First, choose the plan that is best for your lifestyle. Then, at time of service, simply present your membership card and receive your discount. There are no co-payments, no deductibles, no claim forms, no waiting periods, no exclusions, no age restrictions, no credit checks and no reimbursement procedures. All U.S. residents are eligible.
Q: How much does the plan cost?
A: Each plan is priced separately. Select the plan that fits your lifestyle.
Family Plan $179.95
Independent Living Plan $199.95
Healthy Living Plan $249.95
Explorer Plan $189.95
Q: Are medical services included?
A: Yes. Members will be eligible for discounts on all standard procedures that are provided by physicians in our network. Depending on the plan chosen, members can receive discounts on dental, vision, hearing and chiropractic care exams, as well as other physician and specialist services from providers in our network.
Q: When do my benefits start?
A: As soon as your account information is processed, we will mail your complete membership package. Your membership will go into effect as soon as you receive your card.
Q: How do I use the service?
A: When you receive your Family Healthcare Discount Card, you will also receive a listing of providers. Identify yourself as a Family Healthcare member by showing your membership ID card. Have your doctor or provider call to verify your benefits. That's all there is to it. Nothing could be simpler.
Q: How many membership cards will my family receive?
A: One card is all you need per family. However, if you find it more convenient to have additional cards, they are available for an additional fee of $5.00.
Q: Who can qualify as a dependent under my plan? Is there a limit to the number of dependents?
A: Your entire household is eligible, including domestic partners. There is no limit to the number of dependents.
Q: I have a pre-existing medical condition. Are there limitations to my benefits?
A: There are no restrictions due to pre-existing conditions, occupation or age. All U.S. residents are eligible.
Q: I just signed up and I need to see a doctor immediately but I don't have my membership card. What should I do?
A: Your membership is effective once your application is processed. Give your doctor's office your social security number and have them call Member Services at 1-800-308-0374 to verify.
Q: How do I cancel my membership?
A: You may cancel your membership at any time by submitting written notice of cancellation. Please call Member Services at 1-800-308-0374 with any questions regarding cancellations or refunds. You must include your full name and member ID number in your correspondence.
Q: Can I get a refund if I decide to cancel my plan?
A: In the event that you wish to cancel your membership during the first thirty (30) days of your enrollment, you will receive a full refund of your membership, no questions asked. You must call Member Services at 1-800-308-0374 with any questions regarding cancellations or refunds.
top
Dental
Q: What dental services are included?
A: Members will be eligible for discounts on all standard procedures that are provided by the dentists in our provider network. Services include dental exams, X-rays, amalgam filings, porcelain crowns, routine extractions and all other dental procedures.
Q: How do I find a dentist in the network?
A: We have over 28,000 dentists available nationwide in our network. Click here to find a provider. You must search by zip code.
Q: How much do I pay when I go to the dentist?
A: Prices may very based on the exact procedure or combination of procedures actually performed and the location of the provider. Click here to find a provider. Prices may also vary slightly from state-to-state. Our fees are usually 10 to 50 percent below retail prices.
Q: Does this include orthodontics?
A: Yes. Family Healthcare Plan members will be eligible. Members must visit providers within our network. Click here to find a provider. For in-network specialists, the fees are 15 percent off their usual office fees. Some limitations apply.
Q: Does this include cosmetic dentistry?
A: Yes. To be eligible, members must visit providers within our network. For in-network specialists, the fees are 15 percent off their usual office fee. Some Limitations apply.
Q: I just signed up and I need to go to the dentist. But I do not have membership card. What should I do?
A: Your membership is effective once Family Healthcare Plan processes your application. Give your dentist's office your social security number and have them call Members Services at 1-800-308-0734 to verify.
Q: What if my dentist has never heard of you?
A: Our dental network has over 28,000 dental providers nationwide. If a provider's office fails to recognize your Family Healthcare Plan at first, please have the doctor's office call Member Services at 1-800-308-0374.
top
Prescriptions
Q: How do I use this service?
A: After you receive your membership card, simply present it to the pharmacist. You will receive the discounted rate for your prescription(s) at that time. There are no claim forms to fill out for reimbursement. Click here to enroll.
Q: What pharmacies are available?
A: Prescription savings are good at over 50,000 pharmacies nationwide. Click here for a list of pharmacies, or call Member Services at 800 308-0374.
Q: Is my drug covered at the pharmacy?
A: Prescription services can save you up to 60 percent on brand name and generic prescriptions. In order to be eligible for benefits, members must go to in-network pharmacists. The discount varies per medication. Some medications may not be discounted. For further assistance, please call Member Services at 800 308-0374.
Q: What if my pharmacy will not take my membership card?
A: Please have your pharmacist call Member Services at 800 308-0374 to verify benefits.
Q: How much can I save on prescriptions?
A: Prescription savings can amount up to 60 percent on brand names and generics. The discount varies per medication. Not all medications will be discounted. For further assistance, please call Member Services at 800 308-0374.
Q: How do I receive mail-order prescriptions?
A: Family Healthcare Plan makes filling your maintenance medications easy! You can receive up to a 90-day supply when you have your maintenance medications filled by mail. A registered pharmacist will fill your prescriptions using the most technologically advanced computerized pharmacy systems available. Click here to enroll. For further assistance, please call Member Services at 800 308-0374.
top
Payments
Q: How much do I pay when I visit the doctor?
A: Preferred prices will vary but are on average 20-30% less than the provider's usual fees, as long as there are no other discounts applied.
Q: What is the co-pay?
A: Family Healthcare Plan is not an insurance company and does not require a co-pay.
Q: What is the deductible that I have to pay each year?
A: Family Healthcare Plan is not an insurance company and there is no deductible.
Q: What discounts do providers typically give?
A: Preferred medical prices vary and could be as much as 50-60% below the usual fees. Members typically receive an average of 20-30% reduction in their medical bills.
Q: How is the discount determined?
A: Providers in our network have contracted with various PPOs with whom Family Healthcare is affiliated. The contracted discount price will vary by individual provider. The average discount is 20-30% and could be as high as 50-60% below the usual fees depending upon the contract established with each provider.
Q: Does Family Healthcare Plan pay claims?
A: Family Healthcare Plan is not an insurance company, is not a payer, and does not provide indemnity to its members. Providers will simply give you a discount at the time of service.
Q: Can I use this service if I already have medical insurance?
A: Yes. If your insurance policy pays a percentage of your medical bills, such as a standard 80/20-indemnity plan, then Family Healthcare Plan can be used. The Family Healthcare Plan discount will be applied to the entire bill, making your portion less than 20%. In many cases, your portion will be reduced to zero after your deductible with your own insurance company has been met.
Q: If I have an HMO, PPO or Medicare plan, does this discount still work?
A: No. The Family Healthcare Plan discount cannot be applied if another discount has already been applied from any HMO, PPO, Medicare or other discount plan.
top
Chiropractic
Q: How many times can I visit the chiropractor?
A: There are no limits to the number of visits. To be eligible for the discount, you must visit in-network providers. Click here to find a provider.
top
Physician Selection
Q: How do I know if a doctor is a participating provider?
A: The Family Healthcare Plan has over 300,000 providers in it's network. Click here to check our web site for a provider or call Member Services at 1 800 308-0374
Q: Why has my doctor never heard of you before?
A: If a provider's office fails to recognize your Family Healthcare membership card, please have the doctor's office call Member Services at 1-800-308-0374 to verify your benefits. Our network of providers has contracted with various PPOs with whom Family Healthcare has partnered. Doctors and their offices staff are very familiar with how a program such as this works, but they may not be familiar with all the companies, such as ours, that have contracted with PPO networks.
Q: Can I add my doctor or dentist as a provider?
A: You may submit in writing the name, address and telephone number of your doctor or dentist to our Provider Relations Department. Please call Member Services at 1-800-308-0374 for information. We will invite your physician to become a member of our network. Note: This process is a courtesy to our members, it is not a guarantee that your provider will join our network or agree to provide discounts.
Q: Do you have alternative healthcare providers?
A: Yes. For a listing you must call Member Services at 1-800-308-0374.
Q: How do I verify that a particular provider is in the network?
A: To verify that a doctor is in our network, click here to find a provider.
Q: How much do I pay when I visit the doctor?
A: Preferred prices will vary but are on average 20-30 percent less than the provider's usual fees, as long as there are no other discounts applied.
Q: What is the co-pay?
A: Family Healthcare Plan is not an insurance company and does not require a co-pay.
Q: What is the deductible that I have to pay each year?
A: Family Healthcare Plan is not an insurance company and there is no deductible.
Q: What discounts do providers typically give?
A: Preferred medical prices vary and could be as much as 50-60 percent below the usual fees. Members typically receive an average of 20-30 percent reduction in their medical bills. Members typically receive an average of 20-30 percent reduction in their medical bills.
Q: How is the discount determined?
A: Providers in our network have contracted with various PPOs with whom Family Healthcare is affiliated. The contracted discount price will vary by individual provider. The average discount is 20-30 percent and could be high as 50-60 percent below the usual fees depending upon the contract established with each provider.
Q: Does Family Healthcare Plan pay claims?
A: Family Healthcare Plan is not an insurance company, is not a payer and does not provide indemnity to its members. Providers will simply give you a discount at the time of service.
Q: Can I use this service if I already have medical insurance?
A: Yes. if your insurance policy pays a percentage of your medical bills, such as a standard 80/20-indemnity plan, then Family Healthcare Plan can be used. The Family Healthcare Plan discount will be applied to the entire bill, making your portion less than 20 percent. In many cases, your portion will be reduced to zero after your deductible with your own insurance company has been met.
Q: If I have an HMO, PPO, or Medicare Plan, does this discount still work?
A: No, The Family Healthcare Plan discount cannot be applied to cover your co-pays if another discount has already been applied from any HMO, PPO Medicare or other discount plan.
top
Prescriptions
Q: How do I use this service?
A: After you receive your membership card, simply present it to the pharmacist. You will receive the discounted rate for your prescription(s) at that time. There are no claim forms to fill out for reimbursement. Click here to enroll.
Q: What pharmacies are available?
A: Prescription savings are good at over 50,000 pharmacies nationwide. Click here for a list of pharmacies, or call Member Services at 800 308-0374.
Q: Is my drug covered at the pharmacy?
A: Prescription services can save you up to 60 percent on brand name and generic prescriptions. In order to be eligible for benefits, members must go to in-network pharmacists. The discount varies per medication. Some medications may not be discounted. For further assistance, please call Member Services at 800 308-0374.
Q: What if my pharmacy will not take my membership card?
A: Please have your pharmacist call Member Services at 800 308-0374 to verify benefits.
Q: How much can I save on prescriptions?
A: Prescription savings can amount up to 60 percent on brand names and generics. The discount varies per medication. Not all medications will be discounted. For further assistance, please call Member Services at 800 308-0374.
Q: How do I receive mail-order prescriptions?
A: Family Healthcare Plan makes filling your maintenance medications easy! You can receive up to a 90-day supply when you have your maintenance medications filled by mail. A registered pharmacist will fill your prescriptions using the most technologically advanced computerized pharmacy systems available. Click here to enroll. For further assistance, please call Member Services at 800 308-0374.
top
|
|
|
