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Have a Legal Question- Experts Have Answers!

Have a Legal Question? Experts Have Answers!

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Getting basic legal advice can be hard, and this keeps many people from pursuing action or defending themselves adequately in times of legal trouble.

Consider this: 22% of American adults say they have had a legal issue in the past year that could have warranted hiring a lawyer. However, 50% of Americans with minor children don’t have a will – and 41% of baby boomers don’t, either.

The problem? Lawyers are expensive. In 2012, the average hourly billing rate for a partner in a law firm was $536, and the billing rate for an associate was $370 per hour.

The law is a tricky thing, and knowing the ins and outs of the legal system can save you hundreds or even thousands of dollars on situations ranging from traffic tickets and real estate closing costs to creating a will or filing for divorce or bankruptcy.

Very few people have thousands of dollars to spend when they end up needing a lawyer, and most have to forgo the help of an experienced attorney simply because they can’t come up with the cold hard cash.

Unless you are lucky enough to have a lawyer in the family to turn to in times of need, you may find yourself woefully underrepresented in times when you really need a savvy, experienced practitioner to back you up.

In many cases, simply knowing the law can put you ahead of the game, whether it’s having the knowledge of the local laws regarding returns of rental deposits to insist on your due, to being able to stand up for yourself against a threat of a lawsuit over the phone from someone posing as a collector.

Legal Care Direct gives you access to legal answers from experienced lawyers at discounted rates. Professional attorneys can help with traffic tickets, bankruptcy, divorce, and spousal and child support. Additional services are also available at no cost to you!

  • Free services* include one-on-one consultations, attorney-made phone calls, help with legal documents, assistance with welfare and INS, representation in small claims court, and a Simple and Living Will.
  • In-plan attorneys only charge a maximum of $125 an hour or 40% off their hourly rate, whichever is greater, for cases that require more than the free services offered.
  • You also can get 10% off all contingency-based cases (cases in which a settlement is expected and the lawyer agrees to represent you and be paid from the settlement, if any, or forgo the fee in case of a loss).
  • You’ll be referred to plan attorneys based your location, language and area of law.

Legal Care Direct is part of 2BenefitU’s Ultimate package – which gives you 23 benefits for one low monthly rate of $29.95. Just a onetime use of an attorney’s services could pay for several months up to a year of the entire range of benefits!

*In certain situations, attorney liability may require plan attorneys to ask for a retainer prior to providing some of the free legal services.

2BenefitU

Get Lab Tests Done at a Discount

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Lab tests are a large out-of-pocket expense for those without adequate insurance coverage – and some lab tests you feel you need may not be covered at all. When you need fast, accurate results being able to select the test you need and have it done quickly and without great expense can be a huge load off of your mind.

The 2BenefitU Direct Labs benefit is one of over 15 benefits you receive at the Plus level plan – and it could pay for your plan all by itself in savings over typical lab costs.

For example, it can be hard to get your doctor to order (or your insurance company to cover) tests like thyroid, fertility, allergies and vitamin levels. When you have the Direct Labs benefit, you can schedule these yourself and pay a low cost that is anywhere from 10-80% off of the typical costs for lab work.

Need liver function checked or an update on cholesterol levels? No problem. Just schedule your test to be done at one of over 1500 major clinical laboratories nationwide, and watch the savings mount up. You can find a location easily and order your test to be done online, or by phone, then all you have to do is show up and pay the discounted rate.

Your results are completely confidential, and you could receive them in as little as 24 hours for most tests. You deserve to know your numbers without worrying about whether or not you are “approved” for that information.

Lab tests can make all the difference when you suspect you may have a condition your doctor has missed. When you can’t get a lab ordered through your ordinary medical team, or feel like you’ve been blown off, you have the option and the right to get your results your own way – and armed with all the information you find, you can insist on a proper diagnosis.

Even if your doctor does order the tests you need, many patients get bogged down when the insurance company decides the reasons aren’t valid enough or the test isn’t covered. With a Direct labs benefit, you can take care of the issue yourself with a direct discount on the tests you need.

Join 2BenefitU as a Plus member today, and enjoy discounts on lab testing, medical devices, vision, hearing, and more. You’ll even have access to a Teladoc™ and Nurseline™ in case you need some advice. It’s the best benefits plan you could hope for, all for one low monthly cost of $19.95.

Diabetes Management Made Simple

Supplies for Diabetes Management Made Simple

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Diabetes can be hard to manage, but big savings on supplies can make life easier. If you or a family member have been diagnosed with Type 1 or Type 2 diabetes, gestational diabetes, or pre-diabetic conditions, you are already aware of the monthly and annual expenses involved in monitoring your blood sugar levels.

From the lancets to prick your finger with, to the strips that collect the test samples, to the machine that analyzes your blood glucose, there are dozens of items needed each week. The associated out of pocket expenses for your supplies for diabetes management can be overwhelming – especially if your insurance plan refuses to cover everything you need on a monthly basis.

When you have a 2BenefitU Plus membership plan, your out of pocket diabetic supply costs can be cut significantly. The savings for just one family member who needs daily monitoring can be huge.

Many doctors wish their diabetes patients could test their blood glucose more often, but insurance companies won’t approve coverage for the recommended testing schedules. With access to inexpensive supplies, you can monitor your diabetes as closely as your doctor suggests, and prevent additional complications from diabetes by detecting changes in your levels early.

With a Plus plan from 2BenefitU, diabetes management supplies are just one of over 15 benefits included in the plan. You can start saving instantly, getting 60% off average retail prices plus free shipping on all packages, and an extra 15% off any single order item.

Qualifying packages include a premier glucose meter, control solution, test strips, lancets and lancing device, so you’ll always have everything you need to manage your diabetes safely and accurately.  

Packages range in size and cost from $29.99 per month to $169.99 per month. You can choose the package that fits your needs- whether you are being forced to cover all of your diabetic supplies costs yourself, or your insurance company fails to approve the necessary amount of supplies you really need to keep your condition under control.

You’ll never run out of supplies or wait in long lines to get refills for lancets or strips only to be told the pharmacy or superstore is out of your brand. This benefit offers easy ordering, regular shipments and convenient home delivery that is fast and discreet, so you can live your life without worrying over running out or missing a glucose spike because you didn’t have enough supplies to test regularly.

Sign up for a Plus package today, and enjoy savings on diabetic supplies as well as all the other benefits you qualify for.

We all Need Help Sometimes, but Getting it can be Hard

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Emotional and relationship issues can be overwhelming! Sometimes life just seems to turn into a series of difficulties, and our mental, emotional, and psychological state can take a beating.

Of course, personal problems are as treatable as any other health concern if you know where to turn. Getting counseling seems like a no-brainer – the right therapist can help almost any issue with a compassionate yet removed from the situation unbiased eye. Sadly, many people feel stigmatized just for needing help, and that’s not OK. Everyone deserves great mental and emotional health!

Most of us try to put on a brave face and just hope that things get better. Some help would be nice, but who has time and money to schedule counseling sessions, attend them, and then try to implement the advice given – especially when it could take weeks or months to even secure an appointment when you need help NOW?

With a counseling benefit provided by APS Healthcare through 2BenefitU, you can have access to counselors by phone anytime, day or night. All it takes is a quick call to the number on your membership card, and you’ll be connected to a counselor with a master’s degree and at least 5 years of experience, who will help you no matter what your problem is. The best part is, you pay $0 for your counseling session.

You can talk with a counselor about:

  • Depression, anxiety and stress
  • Loss, grief, or transition
  • Physical, emotional, mental or substance abuse
  • Family based issues, including parental and marital problems
  • Work based issues
  • … and more

Every conversation is 100% confidential (except in cases when reporting is mandated by law, as in cases of child abuse). You don’t have to feel awkward or ill at ease – the counselor will be discreet, compassionate, and non-judgmental, so you can open up about your problem and get real help.

If needed, our counselors can even refer you for further help to a local, licensed counselor in your area for treatment (costs not included in free phone counseling). If that’s not necessary, your on-the-phone counselor will provide assessment and short term resolution suggestions, and even follow up with you and check in to make sure you are OK later.  
With this counseling benefit, a happier, more fulfilling life is just a phone call away. It’s included along with up to 20 other benefits when you subscribe monthly for packages starting at just $15.95 per month.

Durable Medical Equipment Shouldn’t Be Unaffordable

Durable Medical Equipment Shouldn’t Be Unaffordable

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Maybe you or a loved have experienced an accident that requires you to use a pair of crutches or a walker for a while. Perhaps an elderly family member needs a power scooter or a hospital bed to make their lives more comfortable and their care easier. You or a child could even have an ongoing medical conditions like Type 1 Diabetes, and need constant supplies for health management.

Durable medical equipment and other medical supplies can be cripplingly expensive, and insurance doesn’t always cover the costs. In some states, even diabetes testing strips, lancets, and other critical, potentially life-saving supplies aren’t covered.

Paying out of pocket gets expensive fast, and going through your local pharmacy or medical supply company can make costs add up fast. There are lots of companies you can order from online – but how do you know you are getting the best price?

Allegro Durable Medical Equipment provides a fast, easy, and cost effective way to get the supplies you need shipped right to your home, discreetly and at the best price. All it takes is a call with your membership card in hand, and you’ll get hefty discounts (typically 20-50%) on all of the following:

  • Wheelchairs and power scooters
  • Medical beds and automatic chairs
  • Orthopedic supplies
  • Walkers and crutches
  • Bathroom bars and seats for safety
  • Diabetes supplies (machines, test strips, lancets and delivery systems)
  • Blood pressure devices
  • … and more.

In addition to the massive discounts on products you can use every day, you get convenient home delivery and extra savings of $5 off of orders of $100 or more. Stop making multiple trips around town trying to find the lowest pricing on your durable medical supplies and other medical needs – you can do it all from the comfort of your home in minutes with 2BenefitU’s Durable Medical benefit!

Best of all, this benefit (which could conceivably pay for itself in just a month or two) comes bundled with up to 20 more ways to save big starting at just $19.95 per month. Check out our healthcare and lifestyle benefit plans today and see what a difference it can make in your life.

Are you Aware of the Health / Wealth Connection?

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In a recent study by the CDC, it was shown that 75% of healthcare costs are due to chronic illness, and over 80% of chronic illnesses are due to stress.

Have stress headaches, stomach trouble, shoulder, neck and back pain, dental problems caused by grinding or clenching your teeth, fatigue, sleeplessness, and other stress related or exacerbated issues? Your stress could be making you sick!

This means your everyday level of anxiety over things like your financial situation, your job, your work or school situation, and your family, kids, or pets could be contributing to how you feel physically. If your day to day worries are increasing your stress levels, this may be costing you more than you think, and it can be difficult to know where to turn for help.

That’s where the Health Wealth Connection comes in. When you are able to set things right in your financial world, often your physical problems can be alleviated – at least, the ones that are made visible and worsened by stress can.  

This benefit gives you a wide range of simple solutions you can use to manage both your physical health and personal finances. It’s a fully customizable approach to your needs, yielding the benefits of the following in an easy to use, automated package:

  • A health coach with tips for better sleep cycles, exercises you can do even if you are super busy, and reminders about recommended checkups and wellness visits as well as screenings at key points in your life
  • A financial planner that can help you balance your budget, save money, plan for the future, get rid of debt, and more
  • A nutritionist which delivers meal suggestions, dietary tips, guidance on managing your calorie intake, and even lose weight safely
  • A counselor to help mitigate anxiety, frustration, stress, and depression.

The Health Wealth Connection will help you reach your goals, giving you quick, easy access to a vast library full of exclusive videos and in-depth articles. You can also get weekly tips on health, money, and managing stress by experts in the field, and it’s all included along with up to 20 other benefits starting at just $15.95 a month.

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.

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.