Protective Health Flex - A consumer driven health program combining True Patient Advocacy & Innovative Healthcare SolutionsProtective Health Flex

Physician Program
Save Up to 60%* Off Doctor Bills

How You Benefit
For those who want to reduce the cost of services provided at a doctor's office, the physician network can really make a difference the next time you or a family member make a visit to one of the 500,000 participating physician locations. Our members will get discounted pricing on their office visit as well as most of the services or treatments performed. While the contract arrangements vary widely, the savings that our members can receive is up to 60%* off doctor's normal charges.

The physician network comprises over 500,000 physician locations, including general practitioners, as well as, specialists. If your physician is not in the network, you may submit their name and they will be contacted by the network.

This is not an insurance program, but a discount program under which members can receive a discount on their participating physician's bill that they are normally responsible to pay in full at the time of service. There is no special paperwork to fill out. You and any eligible family member may use this valuable discount program as often as needed.

How To Use Your Program

1.     Call the physician program number in your membership kit to locate a participating provider

2.     Make an appointment

3.     Present your card...and save!


The personnel at the doctor's office will follow instructions on the back of your Member ID Card to discount your bill to give you your reduced pricing. (Note: In order to receive the reduced pricing, you must pay the discounted amount at the time of service.)

Savings Examples*

Treatment/Diagnosis

State Services Rendered

Normal Billed Charges

Amount

Paid
(With Membership)

Amount Saved

% Saved

Abdominal Pain

TX

$250.00

$147.61

$102.39

41%

Acute Bronchitis

TX

$85.00

$46.00

$39.00

46%

Acute Respiratory Failure

LA

$536.00

$402.00

$134.00

25%

Cardiac Dysrhythmias

OH

$306.00

$196.00

$110.00

36%

Chronic Ulcer

TX

$165.00

$74.50

$90.05

55%

Dysphagia - Difficulty Swallowing

OH

$132.00

$57.26

$74.74

57%

Hypertension

AZ

$77.00

$35.22

$41.78

54%

Intestinal Obstruction

AR

$222.00

$166.50

$55.50

25%

Loss of Weight

NC

$174.00

$122.22

$52.38

30%

Pain in Joint - Shoulder

TX

$230.00

$132.00

$98.00

43%

Pain in the Muscles

OH

$80.00

$58.61

$21.39

27%

Premenstrual Tension Syndromes

IL

$46.00

$14.95

$31.05

68%

Shortness of Breath

IL

$75.00

$34.09

$40.91

55%

Screening for Malignant Neoplasm

AR

$60.00

$45.00

$15.00

25%

Thyrotoxicosis

PA

$217.00

$162.75

$54.25

25%


*Example of actual savings within the physician network off the participating provider's normal charges. Actual savings vary according to the individual physician contract agreements. National average discount is 21%.