LowerHealthBills.com

LowerHealthBills.com

Read about the plan, check the availability of providers in your area & sign

answers to our most "frequently asked questions" below,

or view FAQs specifically about the Dental Plan and/or

If you still have questions that are not

answered below, please feel free to contact us.

How do these plans work?How do I find participating providers?If my provider does NOT participate, what can I do?How do these plans differ from insurance?If I already have insurance, do any of the plans coordinate

benefits with my insurance? If so, how?Once I enroll, which family members can also use the plan?Is dental work started before enrollment covered?How often can I have my teeth cleaned under the dental plan?Are implants discounted under the dental plan?What are the discounts I can receive?Can I use my prescription card to get discounts on

over-the-counter products and non-prescription medications? What if I lose my plan card or need to order extra cards?How can I get started?How do these plans work?

Once enrolled, you are issued a membership card. At the time of service with

a participating provider, just present your card to receive a significant

discount, and pay the discounted amount. There are no claim forms to submit,

and you may use the plan as often as you wish. How do I find participating providers?

You can locate participating providers, convenient to you, using our online

search (or call us toll-free). Up to 25 names per category will be

displayed, online. Participating providers have met a highly selective

credentialing procedure based on education, background, office facilities

and other requirements. In order to receive a discount, you MUST use a

participating provider. When you call to make an appointment, verify that

the provider is currently participating with CAREington International

(dental and vision); American Whole Health (chiropractic and alternative

care); Advance PCS (prescription), HearPo (hearing) (or Miracle Ear for the

Total-Care Plan); or ppoNext (physicians and hospitals). If my provider does NOT participate, what can I do?

Let us know the name of your provider, and we will have him or her contacted

about participating. Because providers must meet a selective process, please

be aware that the credentialing and qualifying period can take several

Please click below to submit the name of your

dentist or dental specialist. In the meantime, visit our online

participating provider locator to find participating providers

These plans offer many of the same benefits as insurance, generally at a

much lower cost, and with fewer limitations than traditional insurance.

Remember, there are no deductibles, no maximums, no claim forms to submit,

no age limits, pre-existing conditions are covered, and you can use the plan

as often as you wish.If I already have insurance, do any of the plans

coordinate benefits with my insurance? If so, how?

In general, the dental and prescription plans can coordinate benefits with

indemnity insurance plans (not PPO and HMO plans). In order to receive

benefits, first visit a participating provider. After paying the reduced

fee, file a claim with your insurance company for reimbursement. With other

providers, you will probably need to choose between either your discount

plan or your insurance plan. In any event, we recommend that you contact

your insurer for information specific to you and your policy.Once I enroll, which family members can also use

Family members in your household, including your spouse, dependent children,

and financially dependent relatives living in your home are all covered.Is dental work started before enrollment covered?

Dental work STARTED before signing up for the dental plan is not covered,

even if completed after enrolling. However, pre-existing conditions ARE

covered, when work is started after enrollment. How often can I have my teeth cleaned under the

As often as you wish. There are no limits on how often you use your dental

coverage.Are implants discounted under the dental plan?

Implants and some whitening procedures are not discounted by all

participating CAREington providers. Check with your

participating provider for further information.What are the discounts I can receive?

The amount of the discount will vary depending on where you are located. You

for the dental fee schedule specific to your state. The dental schedule

applies to services provided by participating General Dentists. Procedures

not listed on this schedule are discounted at 20% off the General Dentist’s

normal fee. However, lab fees are not discounted. Participating Dental

Specialists will give up to a 20% discount off their normal fees.

here for a chart showing the

schedule of benefits. Other savings are listed under each specific plan.

The price of prescriptions changes daily. Your pharmacist can tell you the

preferred price of your medication when you present your card.Can I use my prescription card to get discounts on

With the exception of diabetic supplies (e.g., strips, lancets, meters),

most over-the-counter products and non-prescription medications are not

covered at the pharmacy. However, over-the-counter products are available,

at a discount, to our prescription members through AdvanceRX.com. You can

also receive discounts up to 15% for diabetic supplies and respiratory

medications, mailed to your home, at no extra charge, through Liberty Medical. What if I lose my plan card or need to order extra

No problem. Just contact us to request additional

cards.How can I get started?

participating provider convenient to you using our online search (or

call us toll-free). Up to 25 names per category will be displayed, online.

Enroll by secure online application, phone, or fax. Coverage begins on

the first of the month. (You may choose the first of the current month or

the next month.) You will receive your ID card within 7-10 days after

enrolling. Call us if there is an emergency situation needing

immediate care, and you do not yet have your ID card. (Please note that

there is a 30-day waiting period from the original date of enrollment for

non-emergency in-patient hospital services through the Total-Care Plan.)

Note: When enrolling, you will be asked for your social security number, and

it will be used as you membership number. If you do not wish to provide your

social security number, just enter all zeros.

In order to receive a discount, you MUST use a

participating provider. When you call to make an appointment, verify

that the provider is currently participating with CAREington International

(dental and vision); American Whole Health (chiropractic and alternative

care); Advance PCS (prescription), HearPo (hearing) (or Miracle Ear for the

Total-Care Plan); or ppoNext (physicians/hospitals). You are responsible for

paying your discounted bill at the time of service.

www.leczeniehemoroidow.com.pl www.pamiec.org www.rzesy.net