Are you Getting the Best Deal You can on Pharmaceuticals-

Are you Getting the Best Deal You Can on Pharmaceuticals?

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Right now, 70% of Americans take at least one prescription, and 20% take five or more. Multiply that by a family of four, and you could have a pretty packed medicine cabinet.

Trying to navigate different insurance companies, fight for coverage for medications that are unusual or prescribed off label while figuring out your annual costs can be a challenge. The Affordable Care Act helped make medical care more accessible, but for many the costs of their prescriptions are staggering. How do you minimize the effect rising prescription costs have on your finances, and get the very best deal on all of your meds?

A Discount Pharmacy Card could be the answer. What many people don’t realize is that many pharmacies and drug manufacturers have agreements with insurance companies regarding costs and co-pays. Your regular medical insurance might not always offer you the best price, and pricing can vary widely from pharmacy to pharmacy.

With a 2BenefitU Discount Pharmacy Card, you get a wealth of savings benefits, including:

  • The ability to fill prescriptions at familiar pharmacies like CVS, Walgreens, and even WalMart at the lowest possible price.
  • An easy to use card that saves you between 10 and 85% on many common and less common medications
  • An average of 42% savings over the course of a year compared to the regular cost of prescriptions
  • A website that tells you exactly where to go in your area for the lowest possible price on your prescriptions at participating pharmacies (MyRXPrice.com)

When you present your 2BenefitU Discount Prescription Card at a participating pharmacy, they’ll automatically calculate the discount so you pay only the discounted price- or, if the pharmacy has a lower price, you’ll pay the lesser cost. No extra paperwork to do, no hassle or calling the insurance company, no bills to come in later. Just instant savings on the medications you and your family need to stay well.

That’s right – with this card, you don’t have to have one for each family member. You and your family can use the card at any of the 60,000 participating pharmacies. It’s that simple, and it’s only one of the up to 21 benefits you can get to improve your life with a monthly subscription starting at just $15.95. Some of our members find that the Discount Pharmacy Card pays for their subscription all by itself in monthly savings!

Are Fur-Baby Health Care Costs Eating Your Pocketbook-

Are Fur-Baby Health Care Costs Eating Your Pocketbook?

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Nearly 70% of American households have at least one pet – and many have far more than one (the average is 3 pets.) Your four-legged friends are part of the family – but they can be just as expensive as children to care for.

Whether a pet needs basic preventive care, has a temporary or chronic illness, or is involved in an accident, the vet’s office is the first place you head. It’s only later that the financial cost of caring for your pet sinks in and you can be left owing the vet’s office a bundle!

2BenefitU’s PetAssure™ benefit takes some of the post-vet-visit sting and makes you feel good about your pet’s health while helping to defray some of the costs that can pile up. When you have a pet care benefit plan, you can:

  • Save 25% off on-site procedures at participating veterinary clinics
  • Save 10-35% off of other per care related services and supplies
  • Enjoy discounts on training, boarding, or doggie daycare at participating providers
  • Receive a pet ID tag and 24 hour pet location service

It doesn’t matter what kind of pet you have!

PetAssure™ covers all kinds of pets, including:

  • Dogs
  • Cats
  • Birds
  • Horses
  • Llamas
  • Monkeys
  • … and more

It doesn’t matter what kind of care your pet needs!

PetAssure™ provides discounts on all type of procedures at participating vet offices, including:

  • Well visits, shots, and spay/neuter
  • Emergency visits
  • Tooth extractions
  • Skin abscesses
  • Bladder stones
  • Cancer treatment
  • … and more.

All you have to do is show your card at a participating veterinary practice or other service provider. There are no exclusions for preexisting conditions, age of the pet, or anything else. You can use the benefit as many times as is needed for all pets in your household.

Get peace of mind and big discounts on vet bills when you use 2BenefitU’s household plan. It includes this valuable pet care benefit and over 20 other benefits for a low cost of just $24.95 per month!

The annual savings for a two pet household more than covers the cost of this one benefit – and you still get access to all the other 20+ benefits (including healthcare discounts for the two-footed members of your family, roadside assistance, counseling, financial advice, and more) for your entire family.

Don’t Resign Yourself to Back and Neck Pain – Chiropractic Relief is in Reach

Don’t Resign Yourself to Back and Neck Pain – Chiropractic Relief is in Reach

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A tweaked back or stiff neck can make everyday tasks a misery. Painkillers only mask the problem, without treating the root cause of the problem. In many cases, a simple chiropractic adjustment is all that is needed- but typical health plans either don’t cover chiropractic treatment at all, or offer only the smallest reimbursable benefit, usually capped at a set number of visits per year.

Going without treatment simply may not be an option- back and neck pain can cause a variety of painful symptoms, including migraines, and most people can’t afford to lie in bed until they feel better. Work, children, and other responsibilities demand that you be in working order.

Many people are forced to cover their neck and back adjustments out of pocket, adding yet another financial hurdle in the path of feeling better. However, there is a way to get discounted chiropractic treatment from qualified practitioners!

How Our Chiropractic Benefit Works:

When you use this benefit, you are part of the UHS Chiropractic™ network. This means you get:

  • Access to over 3,000 chiropractors nationwide
  • A free initial consultation to determine the source of your pain
  • 50% off of diagnostic procedures and x-rays on-site at the chiropractic office
  • 30% off most treatments and other services

If more than one member of your household needs chiropractic treatment, or you need more than a few visits per month or year, it’s all eligible for the discounts!

How to Use this Benefit:

If you already have a chiropractor, you can nominate him or her to be part of the UHS™ network – all you have to do is fill out a simple form and they’ll be contacted and asked if they would like to join. If you don’t have a chiropractor, you can use the member portal to find a provider near you, or call the toll free number and a patient care liaison will help you find one.

When you make your appointment, simply say “I’m with UHS™,” and your discount will be automatically applied. If your insurance does reimburse any portion of chiropractic fees, you can then submit the receipt to them for additional savings.

Get the relief you need from joint, back, and head pain with chiropractic treatment professionals. With 2BenefitU, this service is available along with over 20 more in household plans starting at just $19.95 per month.

Are you Guilty of “Fear Googling”- Don’t End up with a Lupus Self Diagnosis!

Are you Guilty of “Fear Googling”? Don’t End up with a Lupus Self Diagnosis!

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We’ve all done it at one time or another. A mysterious tickle in our throat, an unexplained pain in our arm, a twinge when we turn our head, or a stomach pain that comes and goes and suddenly we’re Dr. House on a mission.

A few dozen clicks and web pages later, and we’ve convinced ourselves that we are, if not literally dying, well on our way to an early grave – this is known as “Fear Googling”, and it only gets worse the more “information” we find online.

Newsflash:

You (probably) aren’t dying. Also, you’re not alone! Thousands of people turn to Google for answers on a daily basis, forgetting that a “check your symptoms” row of boxes is no substitute for years of medical training and hands-on patient care.

Of course, it can be frustrating to run to the doctor’s office, urgent care, or ER every time you feel a little under the weather. Trying to call the doctor’s office for answers can lead to a day’s wait or more, while you bite your nails down to the quick and Google some more things to worry about.  

Wouldn’t it be better if you had access to a qualified medical professional who can answer your questions during a quick phone call, without having to resort to search engines? Fortunately, such a solution does exist, and you can use it as often as needed if you or anyone else in your household has a non-emergent health concern or question.

Nurseline™ is designed to get you the answers you need quickly and efficiently, so you don’t drive yourself crazy with misinformation from online forums or a perusal of WebMD.

How Nurseline™ Works:

Whether you have a strain or sprain, a feverish baby, a weird rash, an insect bite or sting, or just want to check on medication side effects, there’s a better place to get answers than a Google search. When you have access to Nurseline™, you get:

  • A toll free number you can call anytime, for health questions concerning yourself, your spouse, or your children.
  • A Registered Nurse available 24/7 to answer any questions you may have, and direct you towards appropriate treatment.
  • A caring, compassionate response to any query, no matter how seemingly silly or small.
  • Access to a wealth of knowledge from a trusted, verified source, not some stranger on the internet.

The next time your child comes in from playing with a suspicious looking rash, you don’t have to worry. Just call the number and ask a real nurse what you need to do! Nurseline™ is one of the most popular features included in 2BenefitU’s lineup of over 20 benefits, starting at just $15.95 a month for the whole family!    

Are you getting the best deal on roadside assistance- Bundle plans and save.

Are you getting the best deal on roadside assistance? Bundle plans and save.

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When you are stranded on the side of the road, the cost of your roadside assistance is the last thing you are thinking of – you’re just glad you have it. (Or, you’re standing on the side of the road kicking yourself for letting the subscription lapse…)

Tired of paying monthly for an AAA membership you may never use – but will certainly need if you don’t have it? Americans carry an average of 3-8 subscriptions of various types on a monthly basis, adding up to hundreds of dollars annually in costs that may or may not be recouped in service usage.

With 2BenefitU, roadside assistance is only one of over twenty benefits your entire family can take advantage of up to five occurrences per year (unlike AAA, which limits calls to four per calendar year) – all for just one low subscription fee per month.

Roadside Assistance

Everyone in your immediate family (including legal dependents up to the age of 26) is covered when you have the roadside assistance benefit – with coverage of up to $80 per covered occurrence. All you have to do is call the number on your issued card, and help is on the way, for situations like:

  • Battery Jumping. Getting stranded with a dead battery can feel awful – especially if you are far from home or the weather is bad. A quick call gets a technician on the way to you with a jump-start to get you on the road again.
  • Flat Tire Changes. Need help changing a flat? The technician can remove your flat and replace it with your spare, making sure everything is safely installed and you can get to your destination.
  • Fluid Delivery. Ran low on fuel, oil, water, or other fluids? Get an emergency supply delivered to your location and all you pay is the cost of the needed item(s) when they are brought to you.
  • Locked Out? We’ve all locked our keys inside the car at some point. Wouldn’t it be nice to have someone en-route to save you from having to track down a locksmith?
  • Towing Service. If you have to have your covered vehicle towed, we can arrange to have it taken to the closest qualified service facility or other location of your choice. The first 15 miles of towing are free. If you need your car towed further, you only pay for costs over $80.

The number you call is toll free, and is valid anywhere in the US and Canada, 24 hours a day, 365 days a year. All you have to do is wait with your vehicle until help arrives! Best of all, the roadside assistance is only one of over twenty subscription services (including dental, vision, pet care, legal advice, and more) all bundled into one low monthly cost of $24.95.

Does your health insurance plan fall short with vision and dental coverage-

Does your health insurance plan fall short with vision and dental coverage?

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It can be so frustrating when two of your most important healthcare needs are skimped on or downright left out of your health insurance coverage. Are you tired of struggling to find approved providers in your area, or paying way more out of pocket than your pocket can afford?

In many cases, riders to health care plans for dental and vision end up just about breaking even at the end of the year, with the maximum benefit capped at not much more than the annual premium. In addition finding dentist and optometrists who accept your medical card for these benefits can be hard to find.

This can lead to putting off vision exams and new glasses or contacts, as well as missing vision issues that can grow rapidly worse. The same goes for your dental health – if it’s too much hassle and expense to even get your two recommended cleanings a year, gum disease and cavities can wreak havoc on a previously healthy mouth.

Fortunately, there are other options. Dental and vision discounts obtained through a 2BenefitU enhanced health and wellness benefit family membership plan provides better discounts on dental and vision care than many health insurance policies do.

Dental Discounts

Aetna Dental ® Access comes with an official enrollment card that can be presented at over 195,000 dental providers nationwide* and net you savings ranging from 15% – 50% per visit* on average. Save on common dental services including:

  • Cleanings
  • X-rays
  • Fillings
  • Crowns
  • Root canals

Periodontic and orthodontic care can also be heavily discounted – in fact, many members sign up for this particular program for the orthodontic benefit alone, as it is more than most dental insurance plans offer! Best of all, the entire household is covered, meaning you and your family members can use the card as many times as needed.

Vision Discounts

Coast to Coast Vision™ brings you significant discounts from familiar participating chains you know and trust. Save big on basic vision care services and products, including:

  • 10% – 30% off eye exams from participating providers
  • 10% – 40% off of contact lenses and access to lowest pricing
  • 15% – 40% off of eyeglasses and sunglasses online
  • 20% – 60% off of prescription eyewear at participating chains
  • 40% to 50% off the national average cost of LASIK eye surgery

Both spouses and all dependents can use the membership for all of their qualifying vision needs. You can even nominate your own eye specialist for inclusion in the plan.

Don’t keep paying over and over for dental and vision plans plus out of pocket costs. Dental and vision are both part of the upgraded family memberships provided along with up to 20 other services for a low monthly subscription starting at just $19.95 a month.

 

*As of May 2016. **Actual costs and savings vary by provider, service and geographical area.

Does your health care need a roadmap? There’s an advocate for that.

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It’s a familiar picture for many Americans – the mail comes and there’s a pile of envelopes from various medical providers, insurance companies, third party labs. All of the balances and codes can leave you wondering what you pay your insurance premiums for.  Healthcare is so complex these days…

For most people, it’s just not worth the time to spend on the phone trying to sort out and make sense of the mess.  Not all of the charges may be accurate – but how are you to know? A Health Advocate™ can help you find your way through the tangle that comprises healthcare and insurance systems, and Medical Bill Saver™ can negotiate medical bills down to reasonable levels.

How does it work?

Personal Health Advocates can provide invaluable guidance when you are entangled with insurance and healthcare systems. They can:

  • Locate doctors, dentists, specialists, pharmacies, and hospitals
  • Clarify benefits
  • Research and answer questions about treatments, tests, and medications
  • Provide medical explanations so you can make informed choices about your care
  • Arrange second opinions, if needed
  • Transfer medical records
  • Coordinate care between medical providers
  • Help with associated issues like eldercare
  • Provide information about generic drugs
  • Find options for non-covered services

Skilled negotiators are also available to help lower your out of pocket costs with Medical Bill Saver™. These experts:

  • Know the ins and outs of billing practices
  • Can review and explain your health care bills
  • Will attempt to negotiate discounts on your behalf

Once an agreement is made, your personal negotiator will have the provider sign off on the payment terms and conditions, and you’ll receive a personal Savings Results Statement that explains your new, lower amount due and where the savings were gained.

Stop paying medical bills without question. Your healthcare isn’t negotiable, but the costs are! The benefits from these two features alone can save your family hundreds of dollars in discounted medical bills every year. Best of all, these are just two of the up to twenty features that can improve your medical and financial health, with household 2BenefitU enhanced health and wellness benefit memberships starting at just $15.95 per month.

Don’t let a cold ruin your workweek – get professional medical care at your desk!

Don’t let a cold ruin your workweek – get professional medical care at your desk!

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We’ve all been there. Made it through Monday, it’s almost time for the workday to end on Tuesday, and that vague tickle in your throat has turned into a raw scratch. By the time you are clocking out and waiting for the elevator, your nose is starting to stuff up, and the drive home has you alternating hands between Kleenex and the steering wheel.

You can take half a bottle of Nyquil and hope you feel well enough in the morning to crawl out of bed or maybe you make it into the office, and you sit there trying to decide if you can afford to miss the rest of the day to visit the doctor’s office… the walk in wait time is always ridiculous.

There’s no guarantee you’d be seen by a doctor, and if you don’t get back to this side of town by 6 pm, you’ll be late to pick up your kid from his soccer practice. However, if you don’t get this pain in your ears and throat treated soon, you know it’s going to turn into bronchitis (it always does.)

These kinds of decisions are all too familiar for many of us who balance family and work responsibilities against self-care, often working and toughing it out until we literally collapse. Wouldn’t it be better if we could get quick, effective diagnosis and treatment without having to trade off valuable work time and family obligations?

Telemedicine is changing the way the average American experiences care. Instead of needing to visit a doctor’s office, waiting to be seen (taking time away from work and family in the process), a single phone call to a qualified medical professional can resolve 92% of common conditions.

Things like sinus problems and respiratory issues can be diagnosed, treatment advice given, and even prescribed for over the phone. Make a call from your desk before leaving work, and pick up your (no-controlled) medication on the way home. You could be feeling better in much less time, able to continue taking care of responsibilities thanks to early diagnosis and treatment.

Telemedicine covers the whole family, so one monthly subscription price means you can call as often as needed, for any member of the household, and get the same professional care and answers.  

Don’t spend another miserable workday trying to decide if you can afford a day off to see the doctor. Sign up with 2BenefitU today, and get Telemedicine and many other bundled enhanced health and wellness benefits with plans starting at just $15.95 per month!