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Program Benefits Summary

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FREQUENTLY ASKED QUESTIONS

Are your Medical Savings Programs insurance plans?
Where are the Medical Savings Programs offered?
How much will I save on physician office visits?
How do I access hospital services and what will it cost?
What range of savings can I expect to save on all services?
How Do I know which providers will honor the Medical Savings Card?
Can I use this program if I already have health insurance?
Can I make an appointment with a participating provider immediately after I enroll?

What happens if I have an emergency situation where I am rushed to the hospital and that hospital is non-participating?

How do I apply?

Do I have to buy a separate membership card for my spouse (or other dependents)?

Do I have to file a claim form to get the savings?

Are your Medical Savings Programs insurance plans?

No. None of them are insurance programs. They are simply different packages that provide access to substantial savings on many of your healthcare needs.

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Where is the Medical Savings Program offered?

Our programs are available in most US states (click on "membership" link to view excluded states, if any). You can enroll online or call us toll-free at (800) 869-5493. Members can save using any of the Programs while traveling or residing part-time in other states.

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How much will I save on physician office visits?

Usually between 15% and 40%. Sometimes the savings on the office visit itself may be low because certain doctors charge close to our network fee schedule rates for standard office visits just to draw new business. In order to receive the savings, you must be prepared to pay the bill at the time of service.

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How do I access hospital services and how much will it cost?

We require members to contact member services to identify the closest participating facility and the most cost effective facility for the particular procedure your physician may prescribe. Your membership kit has an included form that your doctor can fill out and fax to us so that we can estimate how much your admission may cost. We will review that estimate with you ahead of time to evaluate whether you feel you will be able to pay the bill after you are discharged. In any case, you are required to pay a deposit of $1,000 for each day that you are in the hospital. After the savings are applied to the final bill, you will be responsible to pay the balance within 30 days of receipt. Depending on the hospital, we can often save members up to 50% off of what they would have had to pay without our program.

Maryland residents: Due to state law, hospitals are prohibited from discounting their services for any network, insurance company, or any other person or entity. Therefore, this program cannot provide reductions on hospital bills in the state of Maryland. Residents of Maryland can use hospitals in the District of Columbia and neighboring states to obtain better rates if they so choose.

California Residents: Members living California may not utilize the hospitals portion of our medical network until further notice. All other medical services are available including doctors and ancillary companies such as diagnostic imaging, labs, home health, and other outpatient services.

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What range of savings can I expect to save on all services?

Members typically save between 20% and 50% on most services (see Sample Savings). In some cases, we can save members even more than 50% on high-cost services such as hospital visits, MRI tests, and surgical procedures. We do this by researching network agreements in your community to find the most cost-effective provider for your particular procedure or test.

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How Do I know which providers will honor the Medical Savings Card?

Your membership kit will include a listing of the most commonly used healthcare providers in your area who are in the program. Information on specialists and other services can be obtained by calling the toll-free Member Services number included with your membership materials or by accessing the provider search engine.

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Can I use this program if I already have health insurance?

Yes. You will gain the most advantage with our program if you have an insurance policy with a high deductible or pre-existing condition exclusions. You can save money with our Medical Savings Card while you are meeting your deductible, stretching your healthcare dollars much farther. If you happen to be enrolled in an HMO or are a Medicare beneficiary, you will not need the savings available with our medical network, unless you desire some elective surgery that is not covered by your health policy. However, you will still save significantly on all other healthcare needs like dental, vision correction, long-term care, alternative medicine services, and more. Our program can also be a big help for people who have run out of pharmacy coverage due to multiple, ongoing prescription costs. Most healthplans have coverage limits on pharmacy (typically around $1,000 per year).

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Can I make an appointment with a participating provider immediately after I enroll?

We ask members to allow up to 2 weeks to receive your membership kit in the mail BEFORE you see a provider. This will be to your advantage for several reasons:

a) Having your ID cards will reduce the confusion at the doctor's office over who "AgelessCare" is. We contract with national provider networks whose logos will show on your ID cards. Participating providers will recognize these networks but not necessarily AgelessCare.

b) You will be assured that you will show up in the member system of our national networks when you receive your ID cards. After your enrollment, we submit your name to all our contracted networks so that you can show as "eligible" for service. This can take several days to get done since our provider networks are very large including more than 400,000 providers nationwide.

c) Having your membership ID cards will ensure that you receive your appropriate savings at the time of your visit since all the phone numbers are listed there for the provider to call, not only for eligibility, but also to obtain the reduced rate (or "ppo allowable rate") for the services you receive.

d) Finally, having your membership kit will ensure that you have all the appropriate information you need to make the right decisions to save the most money. For example, we recently spoke to a member that hadn't received her kit yet and went ahead and scheduled an MRI (not using our program) not knowing that she could have used this program to save money on that test AND that it could have counted toward her insurance deductible.

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What happens if I have an emergency situation where I am rushed to the hospital and that hospital is non-participating?

If you are admitted to a non-participating hospital in an emergency situation, Member Services will help you get transferred to a participating hospital. Member Services will also attempt to negotiate a savings for members who are in this unique situation, but we may not be able to do so in every case.

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How do I apply?

There are 4 ways to enroll:

1) Online - www.agelesscare.com>membership>enroll me now>Enroll Me Now!

2) Phone - Call AgelessCare toll-free at (800)869-5493 and speak with a trained consultant who can explain the program and enroll you over the phone

3) Fax or mail - Print off the online application, fill it out, and fax to (407) 650-3368 or mail it to AgelessCare, P.O. Box 607911, Orlando, FL 32860-7911.

COMPANY ACCOUNTS: If you wish to buy the Medical Savings Card for your employees, it is very simple to do: Just register your company, including basic company demographics and credit card information. The second step is to add staff to your account. Your company account is not charged until you add your first employee(s). Your monthly billing cycle begins on the date you first add employees. You can add employees to your account at any time during your monthly cycle thereafter. In that case, the first enrollment month for those employees is pro-rated based on the date they are added to your account. For more information, see Corporate Programs.

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Do I have to buy a separate membership card for my spouse (or other dependents)?

No. One membership generally includes your spouse, any children under 25, seniors age 60 or older, and any other IRS dependents. A good way to know for sure if you can include an individual on your application as a "dependent" is if you also include that person on your annual federal tax return.

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Do I have to file a claim form to get the savings?

No. There are no claim forms or other paperwork to file. Most providers will provide you with the network price immediately during your visit. In some cases, a physician may submit a claim to our provider services department for repricing. In that event, you will receive a statement in the mail indicating the reduced rate, which must be paid promptly.

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