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Frequently Asked Questions

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FREQUENTLY ASKED QUESTIONS

Are your Healthcare Savings Plans insurance plans?
Where are the Healthcare Savings Plans offered?
How much will I save on physician office visits?
How do I know which providers will honor the Healthcare Savings Plan?
Can I use this program if I already have health insurance?
Can I make an appointment with a participating provider immediately after I join?

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 Healthcare Savings Plans insurance plans?

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

Where is the Healthcare Savings Plan offered?

Our programs are available in most US states (click on "membership" link to view excluded states, if any). You can join online or call us toll-free at (800) 969-5495. Members can save using any of the Programs while traveling or residing part-time in other states.

How much will I save on physician office visits?

20% to 45%. In order to receive the savings, you must be prepared to pay the bill at the time of service.

How do I know which providers will honor the Healthcare Savings Plan?

Information on participating providers can be obtained by calling the toll-free Member Services number included with your membership materials or by accessing the provider search engine.

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

Yes, as long as your plan isn't a PPO, HMO, or another healthcare savings plan. Just go to a participating provider, show your membership card, pay the discounted fees at the time of service and ask for a copy of your bill. Then, file the claim with your insurance company to be reimbursed by them. This reduces your out-of-pocket expenses and stretches your dollar so you reach your maximums more slowly.

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

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 "Careington" or "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 Careington or AgelessCare.

b) 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.

c) 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.

What happens if I have an emergency situation where I am rushed to the hospital?

You may call the Hospital Mediation service provided with this membership after you are discharged. They negotiate directly with the hospital and can often obtain a reduction of between 20 and 40% off the cost of your bill.

How do I apply?

There are 2 convenient ways to join:

1) Online - www.agelesscare.com>membership>Join Now>Join Now!

2) Phone - Call AgelessCare toll-free at (800)969-5495 and speak with a trained consultant who can explain the program and sign you up over the phone.

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 month for those employees is pro-rated based on the date they are added to your account. For more information, see Corporate Programs.

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.

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 during your visit and will expect payment at the time of service. 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.