FlexCare Program Additions

FlexCare • 3340 Peachtree Road, NE, Suite 1690, Atlanta, GA 30326
(P) 404.846.4100 • (F) 404.846.4999 • FlexCare.com • MyFlexCare.com
TELEHEALTH VALUE ADDS
FlexCare
FlexCare is a true telehealth solutions provider.
Online
E-Doc
Direct
MyFlexCare.com
Care
video Nurseline
Roadside Doctors
Savings Telehealth
FlexCare
prescribe
anywhereCounseling
anytime
Pharmacy
HearingCare
medications
Advocacy
Imaging
Travel
HEALTHY
Telemedicine
FlexCare.com
TeleMedicinetraveling
ID
Sanctuary
nurseline
Lab
Telephonic
Sanctuary Fitness Club
24 hours
medicalbillsaver
Health Advocate
diagnosis
Dental
Care
Tax Help
Pet
Care
Vision
roadside assistance
Elder Care

eDocAmerica empowers individuals to
make better decisions about their health.
Services:
• Direct email access to the eDocAmerica medical team of professionals
• Ability to send in files for review including pictures, patient records, and lab results
• Asynchronous telephonic access to medical team through eDocVoice
• Smartphone App that integrates phone tools and provides full access to the medical team
• 3D Video library with 300+ state of the art animations that include voice-over explanation
• Weekly health tips written by physicians and delivered right to your email
• Personal Health Record provides secure storage for your health information
• All services are unlimited, confidential and cover the entire immediate family
Visit www.FlexCare.com for more information.
eDocAmerica gives families the confidence to act by providing them the comprehensive
decision support that they need. eDocAmerica provides participants 24/7 email access to the
expertise of board-certified physicians, psychologists, dentists, pharmacists, dieticians, and
fitness trainers. Physician responses are normally received within 2—4 hours and guaranteed
within 24 hours. With a proven ROI, eDocAmerica empowers individuals to make better
decisions about their health.
E-DOC ONLINE
edocAmerica

DENTAL CARE
Aetna Dental Access
The discount program provides access to the Aetna Dental Access® network. This network is adminis-
tered 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 employ-
ee 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.
Highlights:
• Members save 15% to 50%* on everything from general dentistry and cleanings to root canals, crowns
and orthodontia.
• Over 92,500** 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.
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 November 1, 2010
This dental network provides members with discounts of 15% to 50%* on dental procedures at
over 92,500** available dental practice locations nationwide. Members simply present their
card bearing the Aetna Dental Access® logo, along with payment in full of the discounted fee,
for immediate savings at the time services are rendered. Members will want to utilize their
card and enjoy the savings time and time again.

DENTAL CARE
Aetna Dental Access
Q. How does the dental plan work?
A. Participating dental providers are listed in the membership fulﬁllment kit; members may also call the toll-free
number located on the back of the membership card Monday through Friday, 7 a.m. to 7 p.m. and Saturday, 8 a.m.
to 5 p.m. Central Time. When calling to schedule an appointment the member should identify him/herself as a
member of the Aetna Dental Access program. To receive the discount the member must present the membership
card and pay the total bill at the time of service.
Q. Is there a limit to the number of times the card may be used?
A. No. Members and their families may take advantage of the savings any time throughout the year. Members may
also change dentists within the network whenever they choose.
Q. May this discount be combined with dental insurance?
A. In many cases, members may use both. Simply visit a participating dental provider, pay the bill and submit it to
the insurance company. The net out-of-pocket cost will be lower because the insurance company should reim-
burse the member their plan allotted percentage of the reduced bill.
Q. Is there someone that can answer questions about the card and services oﬀered?
A. Yes. Simply call the toll-free number located on the back of the membership card Monday through Friday,
between 8 a.m. and 6 p.m. Central and Saturday between 9 a.m. and 1 p.m. Central. A member services representa-
tive is standing by to answer any questions.
Q. What if a member's dentist is not a participating provider?
A. Simply call the toll-free number on the membership card and give the member services representative the
doctor's name, address, phone number and specialty. We then contact the doctor about becoming a provider.

FITNESS ADVANTAGE
Your members can live a healthier lifestyle with
discounted rates at over 9,500 health and fitness clubs.
International Fitness Club Network
IFCN offers an opportunity to get a head start on a healthier lifestyle through access to International
Fitness Club Network (IFCN), a network of high quality health and fitness clubs at affordable rates.
• Available in all 50 states with over 8,500 participating health clubs worldwide. Some of the largest club
chains in the country are members of the IFCN, including Bally Total Fitness,
Jazzercise, LA Fitness and Lifetime Fitness.
• Health and Fitness Clubs are required to meet the American College of Sports Medicine's health and
safety standards.
• Members receive a one-week introductory trial membership certificate, free of charge. This allows
members to try several participating clubs for one week each, giving the opportunity to truly experience
the club and its facilities. (Not to be combined at the same club.)
• Members receive the lowest rate for the type of membership selected
• Members may access the member service website or call the toll-free number 24 hours a day, 7 days a
week to speak with a trained member service representative concerning various club
locations and facility information.
• Discounts on fitness equipment from Sears and 2nd Wind
Your members can live a healthier lifestyle with discounted rates at over 9,500 health and
fitness centers including chains and local clubs. Members start with free one-week trial
memberships, then get great rates when they join.

FITNESS ADVANTAGE
Q. What "rate" will members receive with this benefit?
A. The IFCN benefit contracts with quality health and fitness clubs that vary greatly in size, amenities offered and facilities
available. To this end, it is impossible to set one rate for every club. Participating health clubs will offer the member their "lowest
membership rate, for the type of membership selected." Many clubs offer a variety of memberships (i.e. Aerobics Only, Fitness
Room Only or a Full Facility Membership) therefore IFCN members receive the lowest rate for whichever membership they have
selected.
Q. How does this benefit work?
A. To take advantage of the benefit, members should:
• Visit the member services website or call the toll-free number located on the back of the membership card to locate a
participating facility.
• Call the health club and speak with someone in the membership department. Schedule a time to tour the facility and
utilize the one-week free membership certificate. Present the membership card at the time of the visit to receive the
lowest membership rate.
• Discuss what the lowest membership rate would be for the type of membership selected with the health club's
membership department.
Q. How do members get the free certificates?
A. Certificates are available online at the website address located in the membership kit. Members simply print the certificate
and present it to the fitness facility to receive a one week free membership. If a member does not have access to the Internet,
call the toll-free number located on the back of the membership card and reference IFCN to receive the certificate by mail.
Q. May members use this benefit in conjunction with their existing membership?
A. The "lowest membership rate for the type of membership selected" may only be offered to new members joining a club. If a
member already belongs to a facility and has a contract with a participating club, he/she should contact someone in the club
membership office to see if the IFCN rate will apply.
Q. Do all facilities within a national chain participate with IFCN?
A. Some club chains, such as Bally Total Fitness, Lifetime Fitness and LA Fitness, are enrolled in the IFCN on a national level,
meaning that every club that bears this name is an IFCN club. However, there are some club chains, such as Curves for Women
that enroll in the IFCN on a club-by-club basis. These clubs are independently owned and operated, and can therefore choose
whether or not they would like to enroll in the IFCN. Please use the IFCN club search engine to make sure that a club near you is
part of the IFCN.
Q. What if I can't find a gym in my area?
A. Members should visit the website to access the health club database or call the toll-free number and speak with a member
service representative to locate a club. If you are still unable to find a club in your area, members may nominate a health club to
join the network. Simply fill out the "Refer a Club" form online or call the customer service number and speak with a
representative. Nominated clubs are invited to join IFCN without obligation.
Q. My gym didn't know about the program but they are listed as a member club. What do I do?
A. The International Fitness Club Network (IFCN) benefit works with over 8,500 health clubs worldwide - health clubs have a
large ever-changing staff; therefore there will be an occasion when one club representative doesn't know about their club’s
participation in IFCN. If this happens, speak with someone in the health club’s membership department and mention that you
have the IFCN benefit through IFCN. If they are unclear as to their participation, please call the toll-free member service number
located on the back of the membership card and speak with a representative.
Q. May my wife/husband join the club with me?
A. IFCN is extended to members and their immediate family. Immediate family members are defined by the individual club.
Q. What do the clubs have to do to belong to the IFCN program?
A. IFCN is a free and voluntary program for clubs to join. Every participating club signs a contract stating
they will: • Offer their "lowest membership rate for the type of membership selected"
• Offer a 1 week free trial membership (subject to space availability)

PHARMACY SAVINGS CARD
HealthTrans
Even for those with insurance cards, many prescriptions aren’t covered—cosmetic drugs, appetite sup-
pressants, smoking cessation prescriptions, prenatal vitamins, inject-able supplies, contraceptive devices,
immunizations, vaccines and many more. Our card covers them all. We even cover human medications
prescribed for pets.
Other Features:
• Everyone in the family can use the same card.
• There are no limits to how many times the card can be used.
• There are absolutely no fees to use this card.
The HealthTrans Pharmacy Savings Card delivers signiﬁcant discounts on both brand name
and generic drugs at over 60,000 pharmacies nationwide. The discounts range from 10% to
80% oﬀ of the average wholesale price of the drug—average savings is over 41%.

LEGAL SERVICES DIRECT
Legal Club of America
Attorneys in our network have an average of 19.4 years of experience.
Highlights
• A nationwide network of thousands of attorneys in all 50 states
• Plan attorneys will either charge $125.00 per hour, or 40% oﬀ their usual and customary hourly rate,
whichever is greater
• Nine (9) free services* which include:
- Unlimited initial phone consultations for new legal matters
- Initial one-on-One consultations for new legal matters
- Attorney review of independent legal documents (6 page max.) per new matter
- When deemed appropriate by plan attorney, attorneys will write letters on member's behalf
- When deemed appropriate by plan attorney, attorneys will make phone calls on member's
behalf
- Assistance in solving problems with government programs such as welfare and INS
- Attorneys will help members represent themselves in small claims court
- Free simple will with annual updates
- A state speciﬁc, web-based, free LivingWill form is available to members. This form can
be taken to and completed by the attorney

LEGAL SERVICES DIRECT
Q. Can members change attorneys, for whatever reason?
A. Yes, at any time, for whatever reason and as often as needed. Members are not restricted in any way. Simply call
the toll-free number on the back of the membership card for a new referral to a participating attorney anytime.
Q. What happens if a member moves to another part of the country?
A. The member should call the toll-free number on the back of the membership card and he/she will be assigned
to another network attorney. With a network of thousands of attorneys in all 50 States, Puerto
Rico and the U.S. Virgin Islands, members will always have their 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 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 will provide:
• Nine 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 (six page
max.) and many others.
• Eight deeply discounted services, such as $275 for a simple divorce, $750 for filing Chapter 7 bankruptcy,
$250for a real estate closing, to name just a few.
• All extended service and in-court representation is available for $125.00 per hour, or 40% off the usual and
customary hourly rate. This is a tremendous savings over 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. Are family members eligible to receive these services?
A. Yes. This benefit may be used by members, their spouse or domestic partner, dependent children under the age
of 25 and any dependent individuals residing in the member's household such as a parent or grandparent.
Q. Why are legal services needed?
A. Attorneys are needed in various cases, including:
• If the member is married and/or has children but does not have a will
• 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

TELEPHONIC COUNSELING
APS Healthcare
Counselors work with a multitude of issues including:
• Depression, anxiety or stress
• Conflicts at work or home
• Reliance on alcohol, drugs, tobacco or food
• Sexual, physical or emotional abuse
• Loss and grief
• Change and transition
Members receive free unlimited telephone counseling services 24 hours a day, 7 days a week.
• Free telephone problem-solving services
• Counselor qualifications include a master's degree and five years of postgraduate experience
• Counselors follow up and monitor progress until member is satisfied
• When appropriate, members are referred to local licensed counselors
• Services are confidential and will not jeopardize employment
Emotional and relationship challenges sometimes seem overwhelming, but personal
problems are as treatable as any other health concern if you know where to turn. Telephone
counselors assist with problem resolution and suggest options to help members with
personal issues of any size.

TELEPHONIC COUNSELING
APS Healthcare
Q. How much are members charged when using the Counseling Services?
A. Members are not charged to talk to a counselor, and they may use the benefit as often as they like. The fee for
this service is included in the retail price of the membership card.
Q. What is a 24 Hour Counseling Service?
A. A telephonic counseling service (also known as an EAP) is a program that offers assistance to both members and
their immediate family. Members are eligible to receive assessment, short-term problem resolution or referrals to
address personal problems. All services are performed telephonically.
Q. Are counseling services just for members in crisis?
A. No. While counseling can certainly help members who are in crisis, the goal is to assist members in addressing
personal problems early in an effort to prevent crisis. The Counseling Service provides assistance with a wide range
of personal matters, such as self-improvement, parenting/family, marital/relationship, workplace issues,
depression, anxiety, alcohol/drug abuse, gambling, etc.
Q. What if a member needs help beyond the scope of the Counseling Service?
A. Our Counseling Professionals can assist in helping align the right resources for the problem. The costs of these
services are not covered in the program. We can help the member select which services would be of most help to
them based on the information they provide.
Q. Is this service confidential?
A. The Counseling Service is a confidential program that provides telephonic access to experienced master-level
EAP professionals 24 hours a day, 7 days a week. These professionals help assess problems and conduct
short-term problem resolution for issues impacting work and/or personal life. As required by law, we cannot
release information without the member's signed consent with exception of emergency situations and to report
child abuse.

ROADSIDE ASSISTANCE
Don’t leave your members stranded! 24/7 help
with a flat tire, lock-out, battery, collision and towing.
Roadside Assistance is available 24 hours a day, 365 days a year to assist members when owned or
leased vehicles are disabled as a result of unavoidable circumstances. Members will only have to pay for
any non-covered expenses or covered costs in excess of the 15 miles per occurrence maximum (up to
$80 retail value). Coverage is extended to the member, spouse, and dependent children up to 21 years of
age permanently residing at registered address when driving any vehicles that they own or lease for 12
months or longer.
• Available 24 hours a day, 365 days a year
• Up to 15 miles towing (up to $80 retail value) per occurrence maximum for covered charges
• Covers Member, spouse and dependent children up to age 21 permanently residing at registered
address when driving any vehicles they own or lease (12 months or longer)
• Towing Assistance
• Flat Tire Assistance
• Fuel, Oil, Fluid andWater Delivery Service
• Lock-out Assistance
• Battery Assistance
• Collision Assistance
Reminder:
Information about our programs changes constantly; therefore, all marketing and sales materials must be submitted to FlexCare for review and
approval prior to printing or distribution. Thank you.
Don’t leave your members stranded! Roadside Assistance is there for your members and their
immediate family to help with a flat tire, lock-out, battery, collision and towing—with coverage
up to 10 miles. They will even bring fuel, oil, fluid and water 24/7.
National Safe Drivers

ROADSIDE ASSISTANCE
National Safe Drivers
Q. How does this benefit work?
A. Just by calling the toll-free number on the membership card, a service vehicle is dispatched to the
member's location. Emergency Roadside Assistance is available throughout the United States and Canada, 24 hours
a day, 365 days a year. Members only pay for any costs in excess of the $80.00 per occurrence limit plus any
non-covered costs.
Q. Can the vehicle be left unattended where it became disabled and still be serviced?
A. Service providers are not allowed to service an unattended vehicle so it is important that the vehicle remains
attended after the call for assistance has been placed.
Q. Can members still be reimbursed if they pay out of pocket at the time of service?
A. Members must contact Emergency Roadside Assistance's 24-hour, toll-free number to have an authorized
network service provider dispatched to their assistance. Assistance obtained through any
source other than the Emergency Roadside Assistance provider is not covered and is not reimbursable. In the event
that service is not obtainable through the Emergency Roadside Assistance provider, the member will receive an
authorization number from the Emergency Roadside Assistance provider and will receive
a refund of payments made according to the program benefit and coverage limits for services secured
independently.
Q. What exactly is considered a 'covered emergency?'
A. The following are covered emergencies, subject to the $80.00 per occurrence limitation:
• Towing Assistance - When towing is necessary, the covered vehicle will be towed to the closest qualified
service facility or to any location requested
• Battery Service - If a battery failure occurs, a jump-start will be applied to start the covered vehicle
• Flat Tire Assistance - Service consists of the removal of the flat tire and its replacement with the spare tire
• Fuel, Oil, Fluid, andWater Delivery Service - An emergency supply of fuel, oil, fluid, and water
will be delivered if you are in immediate need. You must pay for the fuel or other fluid when it is delivered
• Lock-out Assistance - If your keys are locked inside of the vehicle, we will provide assistance in gaining
entry to the vehicle.

HEARING CARE
Access to a variety of hearing programs and discounts in
retail locations nationwide and the mail order program.
Retail Hearing Aids
Members may select from 1,350 Beltone locations nationwide to receive a free hearing screening and
15% off over 70 models of Beltone Hearing Aids. All technologies and models are available including
state of the art digital hearing aids, along with Completely-In-the-Canal, In-the Ear and Behind-the-Ear
models. BelCare™ standardized 12 point customer service program ensures consistent delivery of
professional and comfortable service, regardless of location.
Members also receive a 35% discount off hearing aid prices at more than 2,000 Newport Audiology
Centers full service locations.
Mail Order Hearing Aids
• Save 40% to 60% off average National Retail Pricing on over 100 models of name brand hearing
instruments.
• Receive the lowest price available.
• 45-day in-home trial period and one full year factory warranty
Any make/model hearing aid less than five years old may be repaired with a six month warranty for just
$90.00 or with a 12-month warranty for just $115.00 (digital or analog programmable aids are slightly
more, depending upon model).
Enjoy access to a variety of hearing programs providing hearing aid discounts of 15% to 35% in
retail locations nationwide and discounts of 40% to 60% through the mail order program.
Beltone

HEARING CARE FAQs
Q. What is the hearing aids benefit?
A. 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. Through participating provid-
ers, members receive a 15% to 35% discount and a free hearing test at over 2,050 locations throughout the US. In addition,
members have access to a mail order program that offers discounts of 40% to 60% off average National Retail Pricing on over
100 models of name brand hearing instruments.
Q. May family members utilize this benefit?
A. Yes. This plan may be used by the member, their spouse, and legal dependents.
Q. Is there a selection of hearing aids from which to choose?
A. Yes, most locations offer 15 different brands and over 70 models.
Q. What states do not allow hearing aids to be bought through the mail?
A. This benefit is available in all 50 states.
Q. What services are included in the program?
A. Significant discounts on the purchase of hearing instruments.
• An excellent customer service call center to handle all questions and scheduling.
• Two-year warranty on all included products with an option to purchase an extended warranty.
• 45-day trial period with a money-back guarantee.
• Free hearing screening plus three (3) free visits to the hearing professional.
• Patient financing options.
• Large and rapidly expanding network of participating providers. The preferred prices* are as follows:
• $995 for one Basic (100% digital, 2 channels, 2 memories) the MSRP = $1595, a saving of 37%
• $1495 for one Medallion (100% digital, 7 channels, 3 memories, voice processing, feedback detection) the MSRP =
$3595, a saving of 58%
• $1995 for one Ultra (100% digital, 14 channels, 3 memories, feedback detection 6 compression areas, noise
reduction, speech preservation etc.) the MSRP = $4755, a saving of 58%
*All preferred prices are considered "payment in full" when included services are rendered by a participating provider.
Q. Do prices vary by style within a particular hearing model or class?
A. The prices do not vary for a different size or model of hearing aids within the class (Basic, Medallion
or Ultra). For example, within the Medallion class, the Medallion is priced the same for a Completely-In- the-Canal model, as
opposed to any larger size such as a Behind-the-Ear hearing instrument.
Q. Who is eligible for the program?
A. Eligible persons include the member, the member's spouse and the member's legal dependents, as well as the member's
parents and grandparents.
Q. What does the warranty include?
A. During year 1, the warranty includes any loss or damage with full replacement. During year 2, the
warranty includes repairs only. During year 3, the member may purchase an extended warranty. The current average cost is $150
per year.
Q. What type of providers are in the network?
A. The network is comprised of only the best in hearing professionals. These include Doctors of Audiology, Audiologists, and
Board Certified Hearing Instrument Specialists. All must have current state licenses.
Q. What constitutes a complimentary hearing screening under the program?
A. A screening from a hearing professional is simply a pass/fail test. Hearing aids will not be prescribed on just a screening alone.
If an individual fails a hearing screening, a full diagnostic test will be
administered. Full diagnostic testing can be charged to the patient from an audiologist. In most cases only a co-pay is expected
from the patient. If a Hearing Instrument Specialist is performing the testing, the full
diagnostic testing will always be free of charge to the patient.
Q. How do Members access the program?
A. Members begin by calling the toll-free Customer Call Center to schedule their complimentary
examination. The member will then be guided through the process from beginning to end.
Beltone

PET CARE
Pet Assure
The Pet Care Savings Program is designed to save members money on everything for their special
family member - their pet! All the pets in the household can take advantage of this program. The Pet
Care Savings Program is not insurance. With the Pet Care Savings Program there is a 25% discount at
network veterinarians on most procedures, plus savings of 10% to 30% on pet products and services
at participating merchants. The Pet Care Savings Program also includes a free pet ID tag and conﬁ-
dential 24-hour pet location service in the event of a lost pet.
Highlights
• Save 25% on most in oﬃce medical care with each visit to a network veterinarian
• Save 10% to 30% at participating providers on pet services such as boarding, doggie day care, training,
pet sitting and grooming
• Save 10% to 30% at participating merchants on pet supplies such as food, beds, toys, treats and
vitamins
• Free pet ID tag(s) and 24-hour location service for lost pets
• Available for use with all animals, from companion animals such as dogs and cats to exotic animals such
as birds and reptiles

Q. What is the Pet Care Savings Program?
A. The Pet Care Savings Program is designed to save members money on everything for their special family
member - their pet! All pets in the household can take advantage of this program. With the Pet Care Savings
Program there is a 25% discount at our network veterinarians on most procedures, plus savings up to 30% on pet
products and services at participating merchants. The Pet Care Savings Program also includes a free pet ID tag and
enrollment in its Nationwide Lost Pet Location and Recovery. This service reunites hundreds of lost pets with their
owners 24 hours a day, 7 days a week.
Q. How do members locate a network provider?
A. Members may call the toll-free number located on the membership card for participating providers in their area.
A website with up to date information is also available 24/7 to assist in provider location.
Q. How do members receive their discount?
A. Participating veterinary practices provide members a 25% savings on most medical services while participating
merchants and service providers provide 10% to 30% savings on many products and/or services. When calling to
make an appointment, the member must confirm that the provider participates in the program prior to purchasing
products and/or services. Once at the provider's location the member must simply present their membership card
at the time of service to have the bill immediately adjusted.
Please Note: A veterinary practice may reduce or eliminate the discount on (i) time-limited specials such as
coupons or special sales, (ii) food and flea products (iii) routine boarding and grooming (iv) services by professionals
that are not part of the regular practice staff and (v) low-margin pharmaceuticals.
Q. Can members refer their veterinarians or service providers to the network?
A. Yes. Please ask the provider to call us toll-free for information on joining the network.
Q. What if a member loses his or her pet ID tag?
A. Please call us immediately. We will send you a replacement within one business day.
Q. Can a member add an additional pet after signing up for the Pet Care Savings program?
A. Yes. A website is available to update both pet information and the member's personal information. The member
may also call toll-free to speak with a member service representative who will be able to update his or her
information.
PET CARE
Pet Assure

ID SANCTUARY
Individual
Protect your members’ identities with ID Sanctuary.
Identity thieves target Americans of all ages and at
all stages of their lives, from childhood, college,
and marriage to home ownership and retirement.
For this reason, more organizations are providing
identity theft management services to their
customers and members. Members appreciate
these services, and graciously welcome the
identity protection, especially when they need it
most. With ID Sanctuary, your members can rely
on immediate, personalized attention from a fraud
specialist whenever they need it. Fraud specialists
are armed with the knowledge to help reduce the
risk of identity theft and provide unlimited
resolution assistance should the member fall
victim—providing your members with emotional
support and peace of mind.
• Unlimited 24/7 resolution assistance whenever a
member’s identity has been compromised
• Step-by-step guidance through the identity
resolution process if a member is ever a victim of
identity theft or fraud
• Document replacement assistance when
identiﬁcation documents such as Social Security
cards, birth certiﬁcates, passports and driver’s
licenses are lost, stolen or destroyed
• Checking and savings account alerts
• Credit inquiry activity alerts
• One bureau credit report, credit score and
monitoring
• Access to an online educational resource with
news articles, information, tips and best practices
to protect against identity theft
Identity thieves target Americans of all ages and at all stages of their lives, from childhood,
college, and marriage to home ownership and retirement. For this reason, more organizations
are providing identity theft management services to their customers and members. Members
appreciate these services, and graciously welcome the identity protection, especially when
they need it most. ID Sanctuary provides the proactive tools and recovery assistance your
members need to quickly respond to an identity or fraud crisis.

ID SANCTUARY ENHANCED
Individual
monitoring

ID SANCTUARY
Family
• Unlimited 24/7 resolution assistance whenever
a member’s identity has been compromised
• Checking and savings account alerts
monitoring
• Includes the member and up to three legal
dependents over the age of 18

ID SANCTUARY ENHANCED
Family
monitoring
• Includes the member and up to three legal
dependents over the age of 18

LAB & IMAGING
Direct Labs
Imaging
Members receive discounts of 10% to 60%* off usual charges for MRI and CT procedures while utilizing
credentialed radiology providers. These radiologists deliver tests and test interpretations which lead to
appropriate diagnosis and effective treatment.
Lab
With DirectLabs, members save 10% to 80% off typical lab costs for blood, urine, saliva, hair and fecal
tests. The lab tests promote early detection of possible serious medical conditions such as heart disease,
prostate cancer, diabetes, and thyroid disease.
Highlights
• Save 10 to 80% on typical costs for blood tests.
• Place your order online or by phone and DirectLabs finds the location of the nearest major clinical
laboratory and provides the necessary order.
• Confidential results available within 24-48 hours on most tests.
*Savings may vary based on geographic location, provider selected and procedure performed.
** The lab network portion of this benefit is not available in MA, MD, ND, NE, NJ, NY, RI, or SD.

VISION
Coast-to-Coast Vision
The CTC provider network is the most comprehensive in the U.S. and includes ophthalmologists, optom-
etrists, independent optical centers and national chain locations such as Pearle Vision, JCPenney Optical,
Sears Optical, Target Optical, LensCrafters, EyeMasters and QualSight LASIK.
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.
Coast to Coast Vision™ (CTC) has contracted with over 12,000 eyecare locations nationwide.
Members save on eyeglasses, contacts, eye exams and surgical procedures.
Members save on eyeglasses, contacts,
eye exams and surgical procedures.

VISION
Q. What is the vision benefit? Does it include eye exams? Does it include contact lenses?
A. The vision benefit offers 10% to 60% discounts on eyewear and eye care at more than 12,000 optical locations
throughout the United States. Providers include national optical chains such as LensCrafters,Pearle Vision,
EyeMasters, JCPenney, 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) at retail locations. Members may elect to use the mail
order service to purchase replacement contact lenses (including disposables) at a 10% to 40% discount.
Q. Is Coast to Coast Vision™ (CTC) discount insurance?
A. No. While an insured plan is available, CTC is a discount eyewear and eye care program. There is no paperwork.
The participating retail optical locations will give the discount at the time of the purchase.
Q. Can members use CTC if they already have vision insurance?
A. Yes. In most cases CTC can be utilized to eliminate or reduce the deductible. Once the insurance benefit has
been exhausted, members may use their discount to buy additional pairs of glasses or contacts.
Q. Is there a limit on the number of times the benefit can be used?
A. There is no limit on the number of times the member or family member can take advantage of the savings
provided by CTC.
Q. Does the CTC discount include family members?
A. It includes the member, their spouse and all legal dependents.
Q. What is included with CTC membership?
A. Prescription glasses and contact lenses are discounted 20% to 60% in most cases. Eye exams and surgery are
discounted 10% to 30% where available.
Q. Why does the discount vary from 10% to 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 may
vary.
Q. Can members receive the discount at any optical location?
A. No. Members must go to an optical location that is contracted with Coast to Coast Vision™ to receive a discount.
Our providers include national, regional and local chains as well as thousands of independent professionals.
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.

VISION
Q. Is the eye exam discounted?
A. Yes, at approximately 4,000 of our 12,000 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™ Network 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 10 million members to the optical
retailers participating with us.
Q. How do I get my eye doctor or optician on the Coast To Coast Vision™ network?
A. If you wish to refer your doctor to the CTC network, 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 10% to 20% discount when purchasing replacement contact lenses at participating
optical centers, the greatest savings and selection for contact lenses is often offered through the mail order
program. Replacement contact lenses are discounted at 10% to 40% 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 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.
Q. What is LASIK?
A. LASIK (Laser-Assisted In Situ Keratomileusis) is an outpatient treatment that uses an Excimer Laser (cool beam of
light) to gently reshape the front surface of the eye (the cornea). Reshaping the cornea redirects the light angle as it
enters the eye to refocus correctly on the retina. This allows images to be more sharply focused. Vision recovery is
rapid, and there is little or no post-operative pain. With refractive procedures, your dependence upon glasses and
contact lenses should diminish significantly.
Q. Can LASIK be done if I have astigmatism?
A. Yes, the LASIK procedure has been approved to effectively treat astigmatism as well as myopia
(nearsightedness) and hyperopia (farsightedness).

MEDICAL TRAVEL ASSISTANCE
Keep your members protected when they travel.
Help is just a phone call away.
When your members travel 100 miles or more from home, help is just a phone call away. Members rest
easy knowing they have a global network of doctors, assistance personnel and emergency beneﬁts.
• Emergency medical evacuation
• Monitoring of treatment
• Replacement of lost or stolen travel documents
• Transportation to join a family member in the hospital
• Travel for dependent children
• Pre-travel and security information
• Coordination of hospital payments and insurance
• Medications and vaccines
• Transfer of money
• Translation services
• Return of mortal remains
Disclosures
Medical Travel Assistance not available to FL, OR or WA residents.
Reminder:
Information about our programs changes constantly; therefore, all marketing and sales materials must be submitted to FlexCare for review and
approval prior to printing or distribution. Thank you.
When your members travel 100 miles or more from home, help is just a phone call away.
Members rest easy knowing they have a global network of doctors, assistance personnel and
emergency beneﬁts. Services include emergency medical evacuation, monitoring of
treatment, replacement of lost or stolen travel documents and more.
Frontier MedEx

Q. How do members access the Travel Assist Service?
A. Members simply call a toll-free phone number to access the Worldwide Travel Assistance Network. If a toll-free
number is not available from within a country to which the member is traveling, they can call Travel Assistance
collect. The telephone access numbers are printed in the member's fulfillment kit and on the membership card.
Q. When do members utilize the services?
A. Travel Assistance is available 24 hours a day, every day of the year. Many times people are under the impression
that the services are used only in serious cases. Be assured that Travel Assistance is there to help with any type of
illness or injury, regardless of the severity.
Q. Is there a part of the world where Travel Assistance cannot provide services?
A. No. Travel Assistance services extend worldwide.
Q. How many cases does Travel Assistance handle a year?
A. Travel Assistance manages approximately 30,000 cases per year in virtually every country of the world; of which,
approximately one half are emergency medical cases.
Q. How does Travel Assistance help locate appropriate medical care?
A. Travel Assistance has a global network of over 50,000 international providers. The network contains hospitals,
clinics and physicians, as well as other providers geared uniquely to the travel insurance industry, such as air
ambulances, house call physicians and medical escorts. Travel Assistance has rigorous credentialing and
recredentialing standards. Travel Assistance members are provided referrals based on the medical specialty
needed, location, language, office hours, training, etc.
Q. Does Travel Assistance require that members go to specific hospitals, doctors, or clinics?
A. In order to reap the full benefits of our service, we strongly recommend that members contact Travel Assist
before entering hospitals so that we can refer them to facilities that we have previously worked with. Travel
Assistance refers its members to the best providers in the area. If our members go to other providers, Travel
Assistance cannot be certain of the level of treatment. However, Travel Assistance will provide the same assistance
services regardless of where the members are treated.
Q. What happens in the event of a hospitalization?
A. It is important that Travel Assistance is notified as soon as possible. Travel Assistance will then monitor the
member’s care and work through the complex details of foreign hospitalizations. Travel Assistance will immediately
speak with the treating doctor to assess the member’s condition, treatment plans and whether or not an evacuation
is necessary. Travel Assistance will update member’s family, employer and personal physician as appropriate. In
addition, Travel Assistance will coordinate all insurance verifications and admission details.
Q. How does Travel Assistance facilitate hospital admissions?
A. Travel Assistance will coordinate all billing and insurance verifications, including settling any guarantees of
payment. This ensures that there is no delay or denial of medical treatment because a member is unable to make
the up-front payment or because a member's insurance is not recognized.
Q. What if the local facilities are not capable of providing treatment?
A. In evaluating the local facilities, Travel Assistance considers such factors as the quality of the blood supply,
medical technology and specialties available, use of sterile equipment and the patient's medical requirements. If
facilities are inadequate, the Travel Assistance Regional Medical Advisor will report on the safety of such and
evacuation, any medical needs the patient may require en route and the evacuation plan details. Travel Assistance
will consult with all parties involved and fully manage the issues surrounding the evacuation.
Q. Once a member is released from the hospital, do the services end?
A. Travel Assistance assists with a member's case until they have returned home or have received final treatment.
MEDICAL TRAVEL ASSISTANCE
Frontier MedEx

ELDER/LONG TERM CARE
The Long-Term/Elder Care program is designed to provide assistance and support to members
dealing with the aging of their parents and family members. Trained and experienced elder care
specialists help you and your family understand the issues related to caring for an older person and
assist you in making the right choices for your family. Visit nursenavigator.com for more information.
Speak with a trained specialist 24 hours a day, 7 days a week about:
• Understanding the emotional and financial challenges of caring for an elderly person
• How in-home services provided by a professional geriatric care manager can ease the caregiving
burden
• Locating an appropriate home health agency, assisted living facility or nursing home at the best rates
Highlights
• Elder Care Information and Referral Care Advisors are available 24 hours a day, 7 days a week to
provide assistance with elder care concerns, answer long-term care questions and help locate local
assistance.
• Discount home healthcare and long-term network members can save 4% to 25% at approximately 5,500
providers when seeking home health agency or assisted living facilities.
• Access to a comprehensive elder care website that offers features such as skill sheets, condition
research, caregiver advice, two minute test, caregiver tools, resource finder and member reports.
• Discounted fee for geriatric care management services. Services provided are telephonic and in- home
evaluations (for an additional hourly or package fee) for all levels of care from basic to
comprehensive. Members receive a 5% to 15% discount on retail rates.
Long-Term Elder Care Benefit is not available to VT residents.
CHCS Services, Inc.

TAX HELP LINE
Members of the Tax Help Line will have access to unlimited tax advice, prior year tax return review
and free tax return preparation for forms 1040 EZ, 1040A and standard 1040. Tax Help Line provides
members with access to discounts on numerous tax return schedules and forms. Simply call the
toll-free number and members will be able to eﬀectively plan in advance so the year-end tax
preparation is free and painless.
Highlights
• Unlimited advice on federal taxation
• Free tax return preparation for forms 1040 EZ, 1040A and standard 1040
• Deep discounts on numerous other tax schedules
• IRS audit assistance
• Tax planning
• Review of prior year's tax return
• Member portal with tax tips, tax law changes, member advice and much more

TAX HELP LINE
Q. What does the Tax Help Line do?
A. Tax Help Line offers members access to unlimited tax advice, prior year tax return reviews, and free tax return
preparation for forms 1040 A, 1040 EZ and the standard 1040. In addition, Tax Help Line provides members with
access to discounts on numerous tax return schedules and forms. By using a toll-
free number during normal business hours, members will be able to effectively plan in advance so the year-end tax
preparation is free and painless.
Q. Who is behind the Tax Help Line?
A. All tax and financial assistance is provided by tax attorneys, financial analysts, CPAs, former auditors
and/or Enrolled Agents certified by the IRS. This team of professionals is ready to answer tax questions in a
confidential and secure environment.
Q. What guarantee do members have that the tax returns will be accurate?
A. All tax and financial advice is backed by a $1 million liability policy.
Q. Why would a member who uses tax preparation software to file taxes need the Tax Help Line?
A. With today's tax software programs, users need more than help screens. Offering live, one-on-one direct answers
to members' tax questions over the phone, the Tax Help Line steps in with tax advice tailored specifically to a
member's unique situation.
Q. How would the Tax Help Line assist members in the event of an audit?
A. Tax Help Line will review any notice or letter issued by the IRS and provide professional advice n how to
understand and solve the matter. Tax Help Line experts assist and advise members who get
audited by reviewing the IRS audit notification and helping sort out the facts.
Q. What sort of questions do members ask?
A. Members may ask questions covering any aspect of U.S. tax law, such as:
• Should I open a ROTH IRA?
• How does the capital gain tax work?
• Is the money I inherited taxable?
• Which tax form do I file?
• Is my Social Security or retirement taxable?
• Do I get a break for child care expenses?
• Should I itemize deductions?
• Which deductions can I take if I have a home-based business?

HEALTH ADVOCACY
Time is money. Your members get one-on-one support
from professionals for medical or insurance related issues.
Time is money. Personal Health Advocates help your members navigate through insurance and healthcare
systems. Advocates can also locate doctors, specialists, hospitals, dentists and pharmacies. Advocates research
treatments, resolve claims and provide medical explanations so your members can make more informed decisions.
• Untangle medical bills and insurance claims
• Clarify benefits
• Answer questions about tests, treatments and medications
• Coordinate care among multiple providers
• Assist with eldercare and related healthcare issues
• Arrange second opinions
• Transfer medical records
• Negotiate payment arrangements with providers and find options for non-covered services
• Provide information about generic drug options
MEDICAL BILL SAVER: Individuals are responsible for more out-of-pocket medical and dental costs than ever
before. Medical Bill Saver™ provides skilled negotiators who will attempt to negotiate discounts for your members,
no matter their benefit status. Negotiations can lead to a reduction in their out-of pocket costs. Once an agreement
is made, the provider signs off on payment terms and conditions. Your members will receive an easy-to-read
personal Savings Results Statement, summarizing the outcome and payment terms.
NURSELINE: Your members have a place to turn to for trusted advice and information when they need it most. Rest
assured—highly trained registered nurses are on-call 24/7 to answer questions for non-urgent concerns. Nurses
can offer self-care tips, direct members to the appropriate care for immediate attention or offer advice on how to
ease common problems such as a sore shoulder. Nurseline can help with everything from fevers or flu symptoms
to at-home remedies or side effects of medications.
Our hotline nurses are an immediate, reliable and caring source of health information, education and support. Our
nurses provide information based on physician-approved guidelines, including:
• General information on all types of health concerns
• Answers about medication usage and interaction
• Translation services for non-English speaking callers
• TTY/TTD access for the hearing impaired
• Computerized record keeping system
• Medical Director on staff
Health Advocate, Medical Bill Saver, Nurseline

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