| Click on the individual insurance benefit headers to view the details. |
Silver
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Gold
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Platinum
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| Daily Hospital Confinement†: Pays a daily benefit beginning with the first day of hospital confinement for up to 180 days per confinement for which benefits are payable under the policy. Dollar value based on plan chosen. |
$300 per Day
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$500 per Day
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$1000 per Day
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| ICU†: Pays a daily benefit for confinement in an intensive care unit for up to 14 days per confinement for which benefits are payable under the policy. |
Additional $1,000 Per day
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Additional $1,000 Per day
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Additional $1,000 Per day
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| Doctor Visits†: Pays the benefit amount per visit for which benefits are payable under the policy for up to 5 visits per calendar year per family. |
$40 per visit
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$40 per visit
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$40 per visit
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| Emergency Room†: Pays a benefit per visit to the emergency room with a maximum of 3 visits per person per year. |
$100 per visit
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$100 per visit
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$100 per visit
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| Inpatient & Outpatient Surgery†: Pays benefits according to the surgical schedule as set forth in the description of coverage provided in the membership materials. The maximum payment for each Surgery may be determined by multiplying the Point Value of each procedure listed on the Surgical Schedule by the unit value for the plan you choose ($25, $40 or $60). |
$20,000 maximum per person
per year
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$20,000 maximum per person
per year
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$20,000 maximum per person
per year
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| Ambulance Benefit†: Pays the benefit amount for each ambulance transport for up to 3 transports per person per year. |
$500 per transport
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$500 per transport
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$500 per transport
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| Accident Disability Benefit†: Pays a monthly benefit for total disability resulting from a covered accident. Benefits are payable for up to 12 months and are subject to a 90 day waiting period. |
$600 monthly
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$600 monthly
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$600 monthly
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| Accident Medical / Dental Expense Benefit†: Pays for medical expenses resulting from a covered accident up to the maximum benefit amount per covered incident. Subject to a $100 deductible. |
Up to $5,000 per occurrence
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Up to $5,000 per occurrence
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Up to $5,000 per occurrence
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| Accidental Death & Dismemberment Insurance† |
Up to $15,000
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Up to $15,000
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Up to $15,000
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The preceding chart is a brief summary of the insurance benefits for HealthFlex Limited Benefits Plan members. Coverage may vary or may not be available in all states. HealthFlex Limited Benefits Plan members are covered by group insurance benefits. The group insurance benefits vary depending on plan selected. These benefits are underwritten by The United States Life Insurance Company in the City of New York, a member company of American International Group, Inc., NAIC # 70106, domiciled in New York state with their principal place of business located at 830 Third Avenue NY, NY 10022-6565, licensed in all states, plus DC. These benefits are provided under the Group Accidental Death and Dismemberment and Medical Care Insurance Policy (Form No. G-19000) issued to Protective Marketing Enterprises, Inc. and are subject to the exclusions, limitations, terms and conditions of coverage as set forth in the Certificate of Insurance provided in your membership materials. The Hospital Stay Benefits, Intensive Care Unit benefits, Doctor's Visit Benefits, Surgical Benefits, Emergency Room Benefits and Ambulance Benefits are not provided for loss due to a pre-existing condition for 12 months from the Covered Person's effective membership date and are not provided for members over the age of 64. The Accident Disability Benefit is not provided for members over the age of 69. This is not basic health insurance or major medical coverage and is not designated as a substitute for basic health insurance or major medical coverage. This is a limited accident and health indemnity insurance plan that provides for limitations to the coverage for each benefit. In addition, Hospital indemnity plans are exempt from coordination of benefits provisions.
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Click on the individual program feature headers to view the details.
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Protective Dental (Not for California Residents)
First Dental Health (California residents Only)
Visit any of the thousands of participating dentist locations as often as necessary, while saving up to 60%* off dental bills. |
Protective Vision
Pay participating providers a reduced program fee on lenses, frames, contact lenses, non-prescription sunglasses and more - all at the time of service! |
ECI (Eye Care International) Vision Care
ECI offers savings of up to 60% off participating providers’ normal charges for ophthalmologic services, with discounts on most services such as cataract surgery and the latest vision correction surgeries, including LASIK. |
MyCL (Mail Order Contact Lenses):
Save up to 50% off the retail cost of replacement soft contact lenses through Contact Lenses Inc. (dba MyCL), and have them delivered to your door. |
Physician Program
Take advantage of up to 60%* off at over 500,000 participating physician locations. |
Hospital Program
Enjoy up to 30%* savings on facility bills at over 4,700 participating hospitals and over 66,000 participating ancillary facilities. |
Global MED-NET
On the chance that you are unconscious when admitted to any ER worldwide, Global MED-NET ID helps alert the medical team to call the 24-hour hotline to access your vital medical history within seconds, expediting admissions and aiding in a more accurate diagnosis. |
Chiropractic Care
In addition to a free initial consultation and no limit on the number of visits, this program offers savings of 50% off the provider's usual charges on all diagnostic services and x-rays at over 15,000 participating Chiropractic doctor locations. |
MedjetSelect
This program provides special services to members who are unexpectedly hospitalized while traveling more than 150 miles from home. |
Vitamins & Supplements
A leading online retailer, MotherNature.com offers members 15% off their already reduced prices on a selection of over 8,000 natural products, including vitamins, supplements, pet supplies and more. |
Hearing Aids
Members receive a free hearing exam, hearing aid cleanings and adjustments as well as a 15% discount off retail on Beltone hearing aids at any of the 1,800 Beltone Independent locations. |
Patient Advocacy
Personal advocates dedicated to help you locate healthcare providers and specialists AND help you eliminate the hassles typically encountered when dealing with the healthcare system. |
Nurseline
A 24-hour, toll free help line reaching experienced registered nurses who offer confidential medical counseling and answers to your medical questions. |
Counseling
Unlimited, free telephone access to a participating ESSCO counselor 24 hours a day in addition to three in-office counseling sessions, per family member, at $50 and all charges for subsequent in-office counseling services will be discounted 25% off usual charges. |
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Prescription Program for Silver Members - Enjoy up to 40% savings off retail on generic prescription drugs and up to 20% on brand name prescriptions at over 40,000 participating pharmacies.
Plus, save up to 30% off retail prices on a 90-day supply of maintenance medications. |
| Prescription Program for Gold & Platinum Members - Select your prescription drugs from a Preferred List and pay just $10, $20 or $40 for brand names and generics at over 50,000 participating pharmacies. There are discounts on many prescription drugs not on the Preferred Drug List. And there's a convenient mail order service! |
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Labwork
As an added bonus, at no cost to members, receive discounts of 40-70% off usual and customary fees on virtually all laboratory services to include bloodwork, lab screenings and diagnostic imaging.
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*Savings Source: Dental savings (averaging 34%) based on program's dental fee schedules (fees vary by region) compared to a national average. (Protective Dental’s specialty dentists give a discount of 20% (15% in MN) off their normal charges.) Physician and hospital savings based on discounts off participating provider’s normal charges and vary by individual provider contract. Average savings nationwide: Physician, 21%; Hospital, 18% Outpatient and 17% Inpatient (except up to 3% in CT and MD). Actual savings may vary.
The HealthFlex Limited Benefits Plan includes the HealthFlex Medical Discount Program that is not NOT health insurance. The Program provides discounts at certain health care providers for medical and ancillary services, and the Program does not make payments directly to the provider of services. Members are required to pay for all services at the time of service but will receive a discount from those providers who have contracted with NDHS, LLC. NDHS does not provide or guarantee service and does not warrant or guarantee the suitability and/or quality of any service provided. Participating Providers are subject to change without notice and are not available in all areas. Not protected by any state life and health guaranty association. Not all prescription drugs are available through this program. Actual savings will vary by provider and service. A Member's participation in this program is governed by the terms of the Membership Agreement provided upon activation. Not available to residents of all states.
The underwriting insurance company is not a marketer for, nor an agent for any of the services or benefits of the HealthFlex Medical Discount Program.
If members are not completely satisfied, within the first 30 days of their membership they may return their member ID cards to the address shown in the membership kit and receive a full refund of their membership fee. The one-time set up fee is non-refundable, except in those states where refund provisions are specified by state law.
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