(Consult A Doctor, Legal Care Direct, Financial Helpline, NBRX Pharmacy Benefits, Roadside Assistance, Identity Theft Protection, Emergency Medical Travel Assistance, My eWellness, Optum Health Allies Discount Program and Direct Labs.)
Recording Length: 37 Minutes
Length of Talk Radio Program: 5 minutes
In our continuing effort to ease the financial burden impacting the lives of every American Family, ProvisionUS is very excited to bring to everyone our new and life changing, ProvisionUS Advantage Package. This package consists of ten highly beneficial services that can greatly reduce the everyday cost of living for most people.
Consult A Doctor™
4 minutes and 15 seconds
What is Consult A Doctor
Consult A Doctor™ provides on-demand, 24/7 phone and e-mail access to U .S. based, licensed physicians. You and your family members can connect instantly with our network of physicians for information, advice, and treatment including prescription medication, when appropriate. Consult A Doctor’s services are available to you at home, work, or wherever you may be.
Consultations
WE OFFER 4 DIFFERENT WAYS TO CONSULT WITH A PHYSICIAN 24/7. CHOOSE THE CONSULTATION THAT BEST FITS YOUR NEEDS.
- On Call Tele-Consult – (Consult in minutes) – Ask the doctor informational medical questions; receive advice and recommendations for common conditions.
- Priority Tele-Consult – (Consult in 30 minutes – 1 hour) - If requesting prescription medication or wanting a more comprehensive consultation for diagnosis and treatment.
- By Appointment Tele-Consult – (Consult at Your Preferred Time) - If requesting prescription medication or wanting a more comprehensive consultation for diagnosis and treatment.
- E-Consult - (Response usually within 3 hours, guaranteed within 24 hours) - Consult with a doctor via our secure messaging system. Ask the doctor informational medical questions; receive advice and recommendations for common conditions.
The Consultation Process
Priority Tele-Consultation (Consult in 30 minutes - 1 hour)
How it works
- Call 1-800-DOC-CONSULT or go online to request a priority consultation.
- Complete Medical Assessment and History Questionnaire*
- Doctor calls you back in usually about 30 minutes, may diagnose simple common conditions and prescribe medication if appropriate (called in to your nearby pharmacy).
- FREE – UNLIMITED
On Call Tele-Consultation (Consult in minutes)
How it works
- Dial 1-800-DOC-CONSULT
- Select On Call
- Enter your Member ID
- Enter your Date of Birth
- Get Connected to a licensed U.S. Physician
- Doctor offers advice and recommends treatment options.
- FREE – UNLIMITED
By Appointment Tele-Consultation (Consult at Your Preferred Time)
How it works
- Call 1-800-DOC-CONSULT or go online to request an appointment.
- Select the appointment time that best fits your schedule, day or night.
- Complete Medical Assessment and History Questionnaire*
- Doctor calls you at your requested appointment time, may diagnose simple common conditions and prescribe medication if appropriate (called in to your nearby pharmacy).
- FREE – UNLIMITED
E-Consult (Response usually within 2 -3 hours)
How it works
- Login to your Member Heath Portal
- Select Secure E-mail Medical Consultation.
- Compose your questions for the doctor
- Doctor responds within hours
- Doctor offers advice and recommends treatment options.
- FREE – UNLIMITED
My Personal Health Manager
An educational and interactive health management system that includes a number of online health and wellness tools such as:
- Symptom Checker – Interactive tools, designed to help you get well.
- Health Library – Research the latest health articles and click to consult with a doctor.
- E-mail a doctor – E-mail a doctor about any medical issues, securely and discreetly.
- Personal Health Record (PHR) – Store your consultation and medical history within a single, secure location. Share it with your primary care physician easily.
- Risk Assessments – Identity health risks with interactive health tools.
- Health Centers – Comprehensive resource guides for every medical condition, with medical tests, drug reference.
When to Use Consult A Doctor
Primary care physician is not available or accessible
- Requesting prescription medication or a refill
- After normal business hours, nights, weekends
- For non-emergent medical issues, questions, or concerns
- Traveling and need medical advice
Common Conditions Treated
• Cold/Flu
• Bronchitis Sinus infections
• Respiratory Infections
• Allergies
• Headaches/Migraines
• Urinary Tract Infections
• Bronchitis
• Stomach ache/Diarrhea
• Prescription Refills …and many other conditions
*How to complete your Medical Assessment
In order for our physicians to perform either a By Appointment or Priority Tele-Consult, you are required to complete a Medical Assessment. The Medical Assessment allows you to document any existing conditions, drug allergies, family medical history, and anything that your doctor should know about your health. The Medical Assessment can either be completed online at no cost or via telephone with our Member Services at a cost of $10.
Disclaimers
Consult A Doctor makes no warranty as to the content of any treatment response. You and your physician are solely responsible for all information and/or communication sent during a tele-consultation or other communication. Consult A Doctor is not health insurance. Its services do not replace your primary care doctor or regular office visits. You agree to contact your Primary Care Physician should your condition change or your symptoms worsen. Priority and By Appointment Tele-Consults do not guarantee prescriptions as requested. Consult A Doctor is not a prescription distribution center. Consult A Doctor’s physicians do not prescribe DEA-controlled medications or lifestyle drugs. If you require urgent care, you should contact your local emergency services immediately or dial 911. Consult A Doctor, at its sole discretion, reserves the right to cancel your membership at any time.
LEGAL CARE DIRECT
The legal benefit is provided by a nationwide discount legal referral service. Plan attorneys will either charge $125.00 per hour, or when appropriate, give members a 40% discount off their usual and customary hourly rate. Members are referred to plan attorneys based on location, language and area of law. Product is available in all 50 states. This is not an insurance program. Attorneys in the network have an average of 19.4 years of experience. Customer service is available Monday through Friday, 7 a.m. to 7 p.m., Saturday, 8 a.m. to 5 p.m. Central Time. Eligibility extends to the spouse, children up to age 25 and individuals living with the member that are financially dependent upon them, such as a parent or grandparent.
HIGHLIGHTS
- Nationwide network of over 20,000 attorneys
- Plan attorneys will either charge $125.00 per hour, or when appropriate, give members a 40% discount off their usual and customary hourly rate.
- A 10% discount on all Contingency Fee cases
- The referred attorney will provide members with nine free services*, which include:
- Unlimited initial phone consultations for new legal matters
- Initial one-on-one consultations for new legal matters
- Attorney review of independent legal documents (6 page max.) per new matter
- When appropriate, network attorneys will write letters on member’s behalf
- When appropriate, network attorneys will make phone calls on member’s behalf
- Assistance in solving problems with government programs such as welfare and INS
- Assistance with small claims court representation
- Free simple will with annual updates
- Additionally, members have online access through the Legalclub.com website to prepare a free living will (advance healthcare directive)
* Costs and filing fees additional, specific definitions apply.
FINANCIAL HELP LINE
askAFS’s financial counseling help line has been offering services for more than 19 years, and is a national leader in providing on demand accredited financial counseling. We offer an objective, professional, and independent approach to helping the member assess their situation, discussing options, creating an approach, finding the right resources and information, and then assisting them with follow through in helping to resolve their financial issue or question.
As a member of the financial help line, members have free access to experienced, accredited financial counselors. Our counselors will objectively assist members in assessing the situation, discussing options, creating an approach, finding the right resources and information, and help members resolve financial questions.
Highlights
askAFS financial helpline highlights include, but are not limited to the following:
- Live, confidential, objective guidance from experienced, accredited financial counselors.
- 24/7 Direct access to Financial Resource Center.
- Direct access to interactive calculators, educational materials.
- Extensive library of financial information, articles focusing on what to look out for, and other material to help members plan ahead.
NBRX PHARMACY BENEFITS
The neighborhood pharmacy program assures members the lowest price on prescription drugs, saving 10% to 60% on most short-term, acute care prescriptions such as antibiotics and painkillers. Long-term prescriptions may be purchased at the local pharmacy, but for maximum, guaranteed savings, the member is encouraged to use the mail order pharmacy for maintenance drugs.
It's simple to use. The member simply presents the membership card to the pharmacist with the prescription. The pharmacist calculates the discount and the member pays the discounted price. No other forms required.
HIGHLIGHTS
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10% to 60% savings on most short-tem and acute care medications
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Online Drug Price Check Utility (www.rxpricequotes.com) provides members the ability to find the price of their prescriptions at participating locations in their zip code
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Over 56,000 participating locations, including independent, national and regional chain pharmacies nationwide
DISCLOSURES
Pharmacy discounts are Not Insurance, and are Not Intended as a Substitute for Insurance.
ROADSIDE ASSISTANCE
Emergency Roadside Assistance is available 24 hours a day, 365 days a year.
- You have to pay for any non-covered expenses or covered costs in excess of your $80 per occurrence maximum.
- Service must be a covered benefit under the terms and conditions of this benefit and is available only for the specific covered vehicle registered under this benefit.
- All of the services provided are described herein and are applicable throughout the United States and Canada.
- All 24-hour roadside assistance services are provided by Brickell Financial Services Motor Club, Inc., dba Road America Motor Club, administrative offices at 7300 Corporate Center Drive, Suite 601, Miami, Florida 33126. For Mississippi and Wisconsin customers, services are provided by Brickell Financial Services Motor Club. For California customers, services are provided by Road America Motor Club, Inc.
COVERED SERVICES:
Towing Assistance
When towing is necessary, your Covered Vehicle will be towed to the nearest qualified service facility.
Flat Tire Assistance
Service consists of the removal of the flat tire and its replacement with the spare tire.
Fuel, Oil, Fluid and Water Delivery Service
An emergency supply of fuel, oil, fluid and water will be delivered if you are in immediate need. You must pay for the fuel or other fluid when it is delivered.
Lockout Assistance
If your keys are locked inside the covered vehicle, assistance will be provided to supply assistance in gaining entry into the covered vehicle.
Battery Assistance
If battery failure occurs, a jump-start will be provided to start your vehicle.
Collision Assistance
If your covered vehicle is involved in a collision, towing assistance will be provided when needed to direct the vehicle to the nearest qualified repair facility.
IDENTITY THEFT PROTECTION
Identity Theft is the fastest growing crime in America, claiming 9.9 million victims in 2002 and costing an average of $1,180 per individual victim. Identity Theft Protection is on hand 24 hours a day to help protect Members' good name by providing comprehensive, personalized prevention and recovery services.
Europ Assistance USA (EA) treats each Identify Theft” as an emergency and, subject to the limitations set forth in this Program Description, performs, for the Covered Member any or all of the following steps necessary to attempt to undo or prevent further damage:
- Obtain all pertinent credit information and history from the Covered Member on the phone to determine if a fraud or theft has occurred.
- Educate the Covered Member on how Identity Theft occurs and inform him or her of protective measures to take to avoid further occurrences.
- Provide the Covered Member with a helpful ID Theft Resolution Kit.
- Provide the Covered Member with a uniform ID Theft Affidavit (“Affidavit”), and answer any question with regard to completing the Affidavit. It is the Covered Member’s responsibility to submit the
Affidavit to the proper authorities, credit bureaus, and creditors. - Assist the Covered Member with credit and charge card replacement.
- Assist the Covered Member with notification of all three major credit-reporting agencies to obtain a free credit report for the Covered Member and to place an alert on the Covered Member's records with the agencies.
- Translate whenever necessary such as when caller is overseas and needs help communicating with the local police in order to file a report of an Identity Theft incident.
- Provide emergency cash advance (up to $500) when theft occurs 100 miles or more away from primary place of residence. Such cash advance shall be secured by a valid credit card. Any advance made to the Covered Member, not otherwise secured by a valid credit card and paid to EA by the credit card company within 30 days of such advance has to be reimbursed by the Covered Member to EA within 30 days from the date such advance is made. Thereafter any amount due will earn interest at a rate of 1.5% per month. Notwithstanding anything to the contrary herein, EA shall be under no obligation to advance funds not otherwise secured by a valid credit card.
EMERGENCY MEDICAL TRAVEL ASSISTANCE
Every day Americans traveling abroad become seriously ill or injured and need to be air evacuated to receive quality medical attention. Any illness or accident can become life threatening in the absence of modern medical care, especially in many remote or undeveloped regions of the world requested by American travelers.
Members have access to a worldwide network of medical and travel assistance personnel and emergency evacuation benefits when traveling over 100 miles away from home and suffering a serious injury or illness. Peace of mind is knowing that help is only a phone call away.
MEMBERS ENJOY ACCESS TO THE FOLLOWING:
Medical Evacuation & Repatriation Services
- Emergency Medical Evacuation
- Medical Necessary Repatriation
- Return of Mortal Remain
Travel and Financial Assistance
- Replacement of Medication and Eyeglasses
- Pre-Travel Information
- Emergency Ticket Replacement
- Emergency Card Replacement
- Transportation of Escort
- Family Visitation
- Minor Children Return / Escort
- Vehicle Return
- Medical Monitoring
- Medical Referral
- Guarantee of Medical Expenses
- Insurance Coordination
- Lost Document Service
- Emergency Legal Referral
- Emergency Delivery of Prescription Items
- Emergency Cash Transfers and Advances
- Translation Services
MY eWELLNESS
Members receive free access to My eWellness.com - a comprehensive health resource that helps individuals achieve their personal goal.
MY eWELLNESS INCLUDES:
- Simple to follow workout plans with muscle maps, descriptions and animations to assist you with your exercises.
- Daily health tips on nutrition, weight loss, exercise and disease prevention.
- Health calculators that enable you to easily track and assess your progress.
Being healthy creates a sense of mental, physical & emotional balance. Unfortunately, most of us don’t have the information and experience to make living a healthy lifestyle easy.
MyEWellness.com will provide you with comprehensive information in a simple and straightforward way. We want to help you achieve your own personal health and fitness goals no matter how old you are even if you’ve never exercised before and have no access to workout equipment. As an added convenience, you’ll have the ability to take your personalized exercise & nutrition program with you on your mobile phone!
This web site is not intended to be a substitute for professional health care, but will provide you with the following:
- Unbiased information to assist you in sorting out fact from fiction.
- Means to determine your individual fitness level and prescribe appropriate exercise.
- Fitness programs that can benefit each age group.
- Extensive exercise library with easy to follow video demonstrations specifically designed for home workout programs.
- Preventive strategies to treat common muscle dysfunctions.
- Proper exercise progressions, which improve strength, endurance, and flexibility.
- Preventative exercise programs, the cornerstone for overall health.
Optum HealthSM Allies Discount Program
OptumHealth Allies is a money-saving program designed to help you reduce your health care spending and start living a healthier lifestyle. Enjoy these benefits:
- Typical savings of 5-50% on health and wellness services for you and your family.
- More than 450,000 provider locations nationwide.
- On-the-spot savings—no claim forms to submit.
- Complements any health benefits you already have.
- Easy provider look-up online or by telephone.
- For Provider Look-up, click HERE.
- Guaranteed savings!
Save on all this and more:
- Medical care, including primary doctors, specialists and facilities
- Dental care, including general dentistry, orthodontics and cosmetic services
- Vision care, including LASIK
- Chiropractic care, acupuncture and massage therapy
- Cosmetic procedures
- Behavioral health care
- Hearing devices
- Infertility treatment
- Home health care and other long-term care services
- 24-hour nurse "hotline"
Disclosure: The OptumHealthSM Allies Discount Program is administered by HealthAllies®, Inc., a discount medical plan organization located at P.O. Box 10340, Glendale, CA, 91209, 1-800-377-0263. OptumHealth Allies is NOT insurance. OptumHealth Allies provides discounts at certain health care providers for medical services. OptumHealth Allies does not make payments directly to the providers of medical services. The program member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount plan organization.
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Direct Labs
A simple inexpensive blood test could save your life.
No Doctor orders needed. Serious medical conditions such as:
- Heart disease
- Prostate Cancer
- Diabetes
- Thyroid disease
And more can go undetected for up to two years - without noticeable symptoms. The earlier a problem is detected, the easier and more likely it is to be treatable. You now have direct access to the major clinical labs across the USA for those important blood tests – and at discounted prices. Take charge of your health and fitness today! It is simple; a Doctor's appointment is not necessary and all tests are offered at a savings of up to 80% off typical lab costs using the same CLIA-certified accredited labs as your Physician.
You are eligible to receive up to 2 free Comprehensive Wellness Profiles each year. Also, when you order through DLS, you will receive an additional 20% off the already extremely discounted prices on any additional tests that you need all year long.
DLS SERVICES INCLUDE: Blood, urine, hair and fecal lab testing. For any questions, please call your representative
Important!
You must first order your test(s) through Direct Laboratory Services (DLS) and identify yourself as an ProVisionUS member. You will receive the necessary requisition prior to visiting a Patient Service Center (PSC). You must have the requisition from DLS prior to going to the PSC. The PSC will not draw your blood without the DLS paperwork! (*Service not available in New York, New Jersey, or Rhode Island.)
*Comprehensive Wellness Profile (CWP) with 50+ results includes CBC’s, Lipids, kidney, liver, glucose, electrolytes, bones, minerals, and thyroid profile with TSH.
Disclosures:
If you have an urgent medical condition, please dial 911. Consult A Doctor is not health insurance, and does not replace your primary care physician. Consult A Doctor does not guaranteed that you will receive prescription medications. Consult A Doctor’s physicians do not prescribe DEA –controlled medications or lifestyle drugs. All services are HIPAA-compliant.
