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Careington Advantange Card A fulfillment packet.pdf - Wikispaces

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Careington Advantange Card A fulfillment packet.pdf - Wikispaces Powered By Docstoc
					 Welcome
 Dear JOHN DOE,

 To take advantage of your savings please read the enclosed instructions
 carefully and detach your ID cards located in this booklet.

 Significant medical savings are at your fingertips! You can begin taking advantage
 of your discount health program right away by presenting the enclosed
 CAREINGTON Advantage Card to participating providers. Member Services will
 provide assistance in locating and verifying provider participation. Please visit us
 online at www.careingtonadvantagecard.com or call Member Services at
 1-800-462-8759.

 CAREINGTON Advantage Card members enjoy unlimited access to savings and
 services. Your CAREINGTON Advantage Card membership is NOT insurance,
 which leads to more simplicity and convenience. Just present your CAREINGTON
 Advantage Card to a participating provider prior to services being rendered to
 receive a discount at the time of service.

 We know the health of your family is your top concern. Don’t forget that all your
 household members can also use your CAREINGTON Advantage Card in the
 Plan A program for only $15 a month. To request additional cards
 simply call our Member Services department.

 To ensure you get the maximum value for your membership, the programs
 provided by the CAREINGTON Advantage Card are constantly reviewed. As part
 of this ongoing effort, additional networks are considered in order to bring you the
 best programs available.




Disclosures:
1. Please note that THIS IS NOT INSURANCE.
2. The plan provides discounts at certain health care providers for medical
services.
3. The plan does not make payments directly to the providers of medical
services.
4. Plan members are obligated to pay for all health care services but will
receive a discount from those healthcare providers who have contracted with
the discount medical plan organization.
5. Discount Medical Plan Organization and administrator: CAREINGTON
International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone
800-441-0380.
Note to Utah residents: This contract is not protected by the Utah Life and
Health Guaranty Association. The program and its administrators have no
liability for providing or guaranteeing service by providers or the quality of
service rendered by providers. *This program is not available in Vermont and
Montana. FORMCODE CICCAC
   How To Use Your
  CAREINGTON




                                                                                                    JOHN DOE
                                                                      MEMBER + FAMILY
                                                                      Effective Date: 3/1/2007
                                                                      Group ID: AACAFS-A
                                                                      Subscriber ID: 123456789
                                                                      Member Number: NAC-12345678
Advantage Card Program
Read the enclosed description for each
product.




                                             THIS IS NOT INSURANCE.
Keep your ID card with you at all times
so it will be easily accessible to present
at provider locations.

For provider locations,
simply call the appropriate
number on the back of your card or
visit us on the Internet at
www.careingtonadvantagecard.com


If you have any questions on how to
use your plan, please feel free to
contact us at:
                                                                                                    JOHN DOE
                                                                      MEMBER + FAMILY
                                                                      Effective Date: 3/1/2007
                                                                      Group ID: AACAFS-A
                                                                      Subscriber ID: 123456789
                                                                      Member Number: NAC-12345678




         Member Services
        1-800-462-8759
                                             THIS IS NOT INSURANCE.
  For Customer Service or General Questions or to locate a participating provider near you, call toll-     For Customer Service or General Questions or to locate a participating provider near you, call toll-
   free 1-800-462-8759 or visit our website at www.careingtonadvantagecard.com                              free 1-800-462-8759 or visit our website at www.careingtonadvantagecard.com




                                                                          1-800-462-8759                                                                                           1-800-462-8759

                                                                                                                                               1-800-462-8759
                                      1-800-462-8759




   1-800-462-8759                                                                                          1-800-462-8759
Child & Elder Care Consultation - Work and Family Benefits - 800-328-4071                                Child & Elder Care Consultation - Work and Family Benefits - 800-328-4071
Nutritional Supplements - American WholeHealth - 800-931-1709                                            Nutritional Supplements - American WholeHealth - 800-931-1709
Member Information
Dental                                            CAREINGTON International
Vision                                                  EyeMed Vision Care
Chiropractic & Alternative Medicine                    WholeHealth Network
Hearing Aids                                                         HearPO
Diabetes Supplies                                          Better Living Now
Long Term Care                                     HealthCare Synergies, Inc
Child & Elder Care Services                         Work and Family Benefits




HOW TO USE YOUR MEMBERSHIP CARDS

1. Read the enclosed description for each service and the Terms
   & Conditions.
2. Keep your membership card that is located in the front of this
   booklet with you at all times so it will be easily accessible to
   present at provider locations. You must present your
   membership card at the time of service to receive a discount.
   Remember all your household members can use your
   membership.
3. To locate and verify participating providers in your area, simply
   call Member Ser vices. You may also visit
   www.careingtonadvantagecard.com to search for
   additional providers.
4. When calling to schedule an appointment, please refer to the
   back of your ID card for proper network identification when
   speaking to a participating provider’s office.

5. Payment in full must be made at the time of service.

6. If you have any questions on how to use your membership, call
   our Member Services department
   toll-free at 1-800-462-8759 for prompt, friendly assistance.

7. Member Services hours are Monday through Friday,
   7 a.m. to 7 p.m. CST.
 Dental Discount Plan
 As a member of the CAREINGTON Advantage Card program,
 you may take advantage of savings offered by an industry leader in dental
 services. CAREINGTON is one of the most recoginized professional
 dental networks in the nation.
       • Average annual savings of $1,200 per family on dental work
       • Access to over 62,000 participating dentists nationwide
       • Save 20% to 60% on most dental procedures including routine oral
         exams, unlimited cleanings and major work such as dentures, root
         canals, and crowns
       • Orthodontics included for both children and adults at a 20% savings
       • Cosmetic dentistry such as bonding and veneers also included
       • All specialties included—Endodontics, Oral Surgery, Orthodontics,
         Pedodontics, Periodontics and Prosthodontics - a 20% reduction on
         normal fees where available
       • All dentists must meet highly selective credentialing standards based
         on education, background, license standing and other requirements
       • Members may visit any participating dentist on the plan and change
         providers at any time
       • Please call 1-800-462-8759 for additional information
                                          Dental Savings Chart
Code    Description                                                           Plan Cost   Regular Cost Savings

0120    Periodic Oral Evaluation                                              $12.00       $44.00       73%
0274    Bitewings-Four Films                                                   $17.00      $57.00       70%
1110    Prophylaxis-Adult (Light Cleaning)                                    $25.00       $82.00       70%
1120    Prophylaxis-Child                                                     $18.00       $60.00       70%
2160    "Amalgam-Three Surfaces, Primary or Permanent"                         $52.00     $188.00       72%
2750    Crown-Porcelain Fused to High Noble Metal                             $409.00     $986.00       59%
3330    Root Canal-Molar (Excluding Final Restoration)                        $351.00     $900.00       61%
4341    Periodontal Scaling and Root Planing                                  $82.00      $225.00       64%
7140    Extraction-Erupted Tooth or Exposed Root                               $44.00     $145.00       70%
8080    Comprehensive Orthodontic Treatment of the Adolescent Dentition     20% Discount $5,261.00      20%

 These fees represent the 501 fee schedule. Normal cost is based on the 80th percentile of the National Dental
 Advisory Service Comprehensive Fee Report for 2006. Prices subject to change.




DENTAL
Vision

 • Panel of private practice Optometrists, Ophthalmologists,
   Opticians and other leading national optical retailers
 • Access to over 40,000 providers nationwide
 • 15% to 45% savings on all eyewear
 • Choice of any frames at provider locations
 • Scheduled discounts off eye exams, lenses and lens options
 • Unlimited frequency
 • 15% discount on contact lenses
 • 15% discount on LASIK and PRK procedures or 5% off
   promotional pricing
 • Credentialing requirements established for all doctors including
   an independent Peer Review Panel for quality assurance
 • Toll-free number and online access to locate providers nearest you
 • Please call 1-800-462-8759 for additional information




                      Sample Savings Chart
   Vision Care Service Average Retail EyeMed Cost Savings
   Eye Exam               $50.00         $45.00     $5.00
   Single Vision          $70.00         $35.00    $35.00
   Frame                  $100.00        $55.00    $45.00
   Scratch Coat           $20.00         $15.00    $5.00
                This chart reflects a sample savings and
                  the actual fees will vary by location.




VISION
 Chiropractic Care and
 Alternative Medicine
  • Guaranteed access to the finest established chiropractic providers in
     your area
  • Available network of complementary health care providers like
     massage therapists and nutritional counselors
  • Unlimited visits and no limits on access to care with more than
     28,000 providers nationwide
  • Save 10% to 30% from these providers:
     * Chiropractors                   * Herbal Consultants
     * Exercise Specialists            * Acupuncturists
     * Dieticians                      * Massage Therapy
     * Holistic Health Practitioners
  • Save 10% to 30% on these popular programs:
     * Yoga                            * Reflexology
     * Meditation                      * Nutrition
     * Biofeedback                     * Tai Chi
  • Great pride is taken in the quality of our network, and a very
     thorough and careful screening process ensures that participating
     practitioners meet our standards of practice
  • Please call 1-800-462-8759 to locate network providers nearest you
  • Save 25% on vitamins and nutritional supplements
  • Full line of quality vitamins, minerals, herbs and supplements
  • Please call 1-800-931-1709, code AWH-1402 for your nutritional
     supplements or visit: www.careingtonadvantagecard.com.




CHIROPRACTIC AND
ALTERNATIVE MEDICINE
Hearing Care and
Hearing Aids
HearPO is a network of credentialed audiologists who provide quality
hearing care services and hearing aids throughout the United States. With
over 1,600 affiliates, access to hearing care services and products is both
convenient and affordable.

• Substantial savings off the manufacturer’s suggested retail price on all
  HearPO brand hearing aids

• Over 1,600 locations in all 50 states and Puerto Rico

• 30% discount on all hearing exams and services

• 5% to 60% discount on all hearing aids at any HearPO provider location

• Over 200 models of hearing aids available, including the newest

  programmable and digital technology

• Comprehensive follow-up services at no charge for one year

• Call 1-888-HEARING to schedule an appointment




HEARING
          Diabetes Supplies
   • Free shipping and choice of free gift with first order
   • Durable medical equipment – 20% to 30% off of retail price
   • Disposable medical supplies – 20% to 40% off of retail price
   • Nutritional supplements – 20% to 25% off of retail price
   • Daily living aids – 20% to 25% off of retail price
   • NO shipping charges for orders that are $100.00 or more
   • We ship up to a 90-day supply and our care coordinators will notify you
   via telephone or e-mail before your supplies run out.
   • NO complicated forms to fill out and NO inconvenient trips to the
   pharmacy
   • Please call toll-free 1-800-461-8094 to order or for more information


   How To Access Your Discounts
   Step 1: Call toll-free 1-800-461-8094 to order supplies.
   Step 2: You are responsible for the total bill less the applicable
   savings, at the time service is rendered.

   Most of Better Living Now’s high quality products come with a 30-day
   100% satisfaction guarantee. Some products have restrictions or cannot
   be returned. Please call Customer Service at 1-800-833-0735 for further
   information.
                                                           Retail Rate   Savings off
                                                                         Retail Price
Item Description
ASCENSIA BREEZE BLOOD GLUCOSE MONITORING SYSTEM             $86.95           35.0%
PRECISION XTRA TEST STRIPS "END-FILL" 50/Box                $68.57           35.0%
COMFORT INFUSION SET, 23" 10/BOX                            $151.70          25.0%
TRANSFER BENCH, BATHTUB - BLOW MOLDED W/BACK 1-EACH         $120.00          30.0%
PREMIUM SKIN BARRIER NON-STERILE 4 X 4"                     $28.14           35.0%
NEBULIZER, AEROMIST® LT NEBULIZER/COMPRESSOR                $50.00           20.0%
This chart reflects a sample savings.




  DIABETES
  SUPPLIES
Long Term Care and
Elder Care Information &
Referral Line
National Long Term Care Network

Long term care is one of the fastest growing segments of care. One
out of four Americans will face the dilemma of paying for a long term
care service for themselves or a family member. Arranging for long
term care can be an emotionally trying experience, and the financial
consequences can be devastating.

There is now help available to you. CAREINGTON
Advantage Card members are able to participate in the HeathCare
Synergies, Inc. (HSI) Long Term Care Network that offers reduced
cost services through a wide variety of long term care providers. The
network includes the following types of providers and services:

Skilled Nursing Facilities N Assisted Living Facilities N Home
Health Care N Home Health Aides N Homemaker Services N
Respite Care N Hospice Care N Durable Medical Equipment
N Physical & Occupational Therapies

Elder Care Helpline & Referral Service

This service is available to you as part of your membership package.
You have free telephone access to a service director who can answer
questions that you may have about elder care assistance and long
term care issues. Information on how to select a long term care
provider is also available. Referrals may be given to agencies in your
local area who can provide even more comprehensive assistance.
Finally, you can receive information about the long term care
providers who participate in the HSI Long Term Care Network and
make their services available to you at a reduced cost.




LONG TERM
CARE                                HealthCare Synergies, Inc.
Your CAREINGTON Advantage Card membership assures you
access to high quality medical providers at a reduced price. Through an
arrangement with HealthCare Synergies, Inc. (HSI), you will receive substantial
discounts from more than 3,300 providers of long term care services.

The Long Term Care Network is not an insurance product, plan or policy.
You are able to participate in this program regardless of your age or medical
condition. The only restrictions are that you cannot receive a negotiated rate
from a network provider from whom you are already receiving services at the
time you become an CAREINGTON Advantage Card member or
when you are receiving services covered by Medicare, Medicaid or worker’s
compensation. Some exclusions may also apply for services covered by other
health insurance plans.

Network Participation Means Substantial Savings

You can save from 5% to 30% off the normal fees for services from HSI
Network Providers. There is no length of stay requirement to receive these
contracted rates.

Receiving Your Network Discount

  1. Select a participating network provider.

  2. You must show the CAREINGTON Advantage Card to
     the provider prior to receiving services.

  3. Instruct the provider to call HealthCare Synergies, Inc. at
     1-800-365-5894.

  4. HSI will coordinate with the provider to obtain the proper
     negotiated rate.

  5. You will receive a bill reflecting the proper contracted pricing
     and/or an explanation of how the contracted rate was calculated.

  6. You must simply make the payment of the billed amount, within
     thirty days of the billing date.

  7. Call HealthCare Synergies, Inc. at 1-800-365-5894 if you have any
     questions about using a network provider under this program.
 Work & Family Benefits, Inc.
 Values Package®
 WHAT IS WFB’S VALUES PACKAGE?
 • Comprehensive telephone consultation, research and referral
   for child care, elder care and care for people with disabilities.
 • Educational resources including WFB NotesSM and guidebooks on a
   broad range of dependent care topics.
 • Significant online functionality for topline provider searches and a
   wide range of educational and planning resources.

 DEPENDENT CARE CONSULTATION & REFERRAL
 • Unlimited access to comprehensive telephone consultation with expert
   counselors who do all the research for you to identify solutions and
   provide a personalized referral packet for child care, elder care and care
   for people with disabilities.
 • Significant online functionality for child and elder care searches, college
   planning and financial aid tools, adoption resources, searches for
   schools, health and fitness clubs, veterinarians and pet care services and
   dependent care information materials.
 • Educational resources on a broad range of topics for children, family,
   elders and adults available online, by fax or telephone.
 What are situations where WFB can help?
 • Finding a family child care home for an infant or toddler.
 • Making transportation arrangements to the doctor for a grandparent
   who is living alone in another state.
 • Understanding what Medicare, Medicaid or private insurance covers for
   an elderly relative’s care and identifying programs that are available at
   little or no cost.
 • Finding an after-school program or summer camp for a child in
   elementary school.
 • Understanding the costs of various living arrangements if a parent can no
   longer live at home.
 • Finding care for a disabled family member.
 The Work & Family Benefits, Inc. Values Package® service provides referrals,
 not recommendations. Only you can select care that best meets your family’s
 needs. It’s always your decision. WFB’s counselors, however, will guide and
 support you along the way as you make these important family decisions.




CHILD AND ELDER
CARE SERVICES
                                                Work & Family Benefits, Inc
EDUCATIONAL RESOURCES

A broad range of educational resources are available by telephone and
fax. These include WFB's guidebooks for child care, elder care and
adoption and WFB NotesSM, informative topic sheets, in these major
categories:
CHILDREN & FAMILIES
• Parenting
• Grandparenting
• Child Care
• Starting a Family
• Adoption
• Infancy
• Toddlers & Pre-Schoolers
• School-Age Children
• Summer Care & Camp
• Children’s Health & Safety
• Schools & School Selection
• College Planning
ELDERS & ADULTS
• Elder Caregiving
• Elder Care – Health
• Medicare & Social Security
• Elder Care – Legal
• Elder Care – Financial
• Nursing Homes

ONLINE SERVICES
WFB’s Web site is easily accessible and offers these services:
• WFB’s Topline SearchSM to locate child and elder care
• WFB’s Adoption Resources
• WFB’s FitFindSM to identify health and fitness clubs
• WFB’s PetCaresSM to find veterinarians and pet care services
• WFB NotesSM and guidebooks
• Elementary and secondary school search
• College planning tools and the College Aid Calculator®
• Links to health and wellness resources

PLEASE NOTE
All services are fully confidential.
For all telephone services, you simply call Work & Family Benefits, Inc.
toll-free number at 1-800-328-4071 to speak to an expert.
                                     TERMS & CONDITIONS

Renewal Conditions: By joining a plan, you are authorizing the group to bill you at the payment
mode originally selected with your CAREINGTON Advantage Card membership This
charge shall remain in force until you notify the group of its cancellation. By joining, you indicate
that you have read the terms and conditions of the plan.
Termination Conditions: The group reserves the right to terminate plan members from its plan
for any reason, including non-payment.
Cancellation Conditions: You have 30 days from the date you join to use the plan risk-free. If
for some reason within 30 days you are dissatisfied with the plan and wish to cancel and obtain
a refund of any CAREINGTON Advantage Card plan fees paid, please send a
cancellation letter and a request for refund with your name and member number to The
CAREINGTON Advantage Card, 130 E. John Carpenter Freeway, Irving, TX 75062. If the
group is billing you monthly or annually, the group will, in the event of cancellation of the
CAREINGTON Advantage Card plan by either party, make a pro-rata reimbursement of
the unused periodic charges to the member.
Limitations, Exclusions & Exceptions: This program is a discount plan offered by the group
and CAREINGTON International Corporation. The group, The CAREINGTON
Advantage Card plan and CAREINGTON are not licensed insurers, health maintenance
organizations, or other underwriters of health care services. No portion of any provider's fees will
be reimbursed or otherwise paid by CAREINGTON. The group , The CAREINGTON
Advantage Card and CAREINGTON are not licensed to provide and do not provide medical
services or items to individuals. You will receive discounts for medical services at certain health
care providers who have contracted with the plan. You are obligated to pay for all health care
services at the time of your appointment. Savings are based upon the provider's usual and
customary fees. Actual savings will vary depending upon location and specific services or
products purchased. Please verify such services with each individual provider. The discounts
contained herein may not be used in conjunction with any other discount plan or program. All
listed or quoted prices are current prices by participating providers and subject to change with
notice. Any procedures performed by a non-participating provider are not discounted. From time
to time, certain providers may offer products or services to the general public at prices lower than
the discounted prices available through this program. In such event, members will be charged the
lowest price. Discounts on professional services are not available where prohibited by law. This
plan does not discount all procedures. Providers are subject to change without notice and
services may vary in some states. It is the member's responsibility to verify that the provider is a
participant in the plan. At any time CAREINGTON has the right to eliminate a Participating
Professional from the respective network in which they are associated and may substitute
Provider networks at its sole discretion. CAREINGTON International cannot guarantee the
continued participation of any provider. If he or she leaves the plan, you will need to select another
provider. Providers contracted by CAREINGTON are solely responsible for the professional
advice and treatment rendered to members and CAREINGTON disclaims any liability with
respect to such matters. Services and service providers may change or be discontinued at
anytime without notice.
Complaint Procedure: If you would like to file a complaint or grievance regarding your
CAREINGTON Advantage Card plan membership, you must submit your grievance in
writing to:      Member Services, The CAREINGTON Advantage Card, c/o
CAREINGTON International Corporation, 7400 Gaylord Parkway, Frisco, Texas 75034.
Disclosures:
1. Please note that THIS IS NOT INSURANCE.
2. The plan provides discounts at certain health care providers for medical services.
3. The plan does not make payments directly to the providers of medical services.
4. Plan members are obligated to pay for all health care services but will receive a discount from
those healthcare providers who have contracted with the discount medical plan organization.
5. Discount Medical Plan Organization and administrator: CAREINGTON International
Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone 800-441-0380.

Note to Utah residents: This contract is not protected by the Utah Life and Health Guaranty
Association. The program and its administrators have no liability for providing or guaranteeing
service by providers or the quality of service rendered by providers. *This program is not
available in Vermont and Montana.
FORM CODE CICCAC
7400 Gaylord Parkway
Frisco, TX 75034




                       JOHN DOE
                       123 ANY STREET
                       FRISCO, TX 75034




                                          010406V1.2

				
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