(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
F.A.Q. Section
Where you can build a healthy and successful futureThis ProvisionUS FAQ Section is a general information and reference tool for the ProvisionUS Advantage Package.
Consult A Doctor™ FAQ
Q. What is the Consult A Doctor™ Service?
A. Consult A DoctorTM offers 24/7 access to its nationwide cross-coverage network of U.S. licensed physicians for telephone and secure e-mail medical consultations. Physicians discuss symptoms, recommend treatment options, diagnose many common conditions, and prescribe medication when appropriate.
Q. What conditions can be treated by a telephone consultation with a physician?
A. Consult A Doctor provides access to physicians for the treatment of non-emergency, acute, short-term conditions involving routine primary care. Specific examples include cold and flu, upper respiratory infections, upset stomach, sinusitis, and many other every day ailments.
Q. How do I request a consultation?
A. After enrolling, you can access our physicians either by visiting www.consultadoctor.com and logging into your account or simply by calling 800-DOC-CONSULT.
Q. What are the different types of consultation services offered?
A. There are two different types of service: Informational Consultations (by telephone or e-mail) and Diagnostic Consultations (only by telephone).
Q. Informational Consultations:
A. (On Call and E-Consult) Convenient, 24/7 telephone or e-mail access to physicians for general advice and recommendations regarding routine medical conditions.
Q. Diagnostic Consultations:
A. (Priority and By Appointment) Comprehensive telephone medical consultation, often resulting in diagnosis and specific treatment recommendations. Medication may be prescribed if appropriate. Priority consultations occur within 3 hours.
Q. Is there a minimum age requirement?
A. Yes. Excluding dependants, the primary member/account holder must be 18 years of age or older. A parent or guardian may conduct a consultation on behalf of an underage dependant as long as they are listed on the account.
Q. Can I get the consultation information to my doctor?
A. Consult A Doctor provides its members with a FREE Personal Health Record (PHR). You can access your record by accessing the personal health manager at www.consultadoctor.com or by contacting member services at 800-362-3667.
Here are some reasons individuals utilize Consult A Doctor’s service:
- 24/7 access to physicians
- After-hours or on weekends and holidays, when your primary care physician is unavailable
- Require medical advice and care, without the inconvenience of time off work
- Need prescription medication for a common malady or a refill
- While traveling or on-the-go
Financial Helpline FAQ
Q. How can the Financial Help Line assist members?
A. Periodically people need financial guidance and feel they have nowhere to turn; Financial Help Line is here to provide that guidance at no charge whenever the need arises. Financial Help Line:
- Saves money - getting specific guidance makes a smarter financial consumer - preparing the member to save hundreds, even thousands of dollars.
- Saves time - a 2 minute call often saves hours of time.
- Saves effort - access to infinite information leaves most people overwhelmed; using our counselors is the easiest way to find that golden nugget.
Q. What questions can members ask?
A. Members may ask questions covering almost any financial planning topic, everything from household debt and budgeting to retirement planning and saving for children's college education.
Here are some questions that members frequently ask:
- "Should I consider an education IRA or a Section 529 plan for college savings?"
- "I'm overwhelmed with debt. What can I do?"
- "We just started a family. How do I figure out how much insurance I need now?"
- "Is it time to refinance my mortgage?"
- "My mother just turned 65. What federal income tax benefits are available to her?"
- "I want to buy a new car but don't understand the financing details."
- "How does a reverse mortgage work?"
- "How can I reduce credit card interest?"
- "We're buying our first house. What type of mortgage should I look for?"
- "Does it make sense to borrow from my 401k account to pay off my debts?"
We also have a variety of planning tools members can use for quick calculations, such as a retirement planner, a Roth IRA planner, a college savings calculator, a 401(k) loan analyzer and many others. All are easy to use and easy to understand.
Q. Is there a limit on the number of questions a member may ask?
A. No, members may ask as many questions, as often as they want.
Q. Who answers the questions?
A. Counselors are all experienced, licensed financial counselors with technical expertise and excellent communication skills who have earned a wide variety of professional designations such as Certified Financial Planner (CFP), Certified Public Accountant (CPA) or Certified Consumer Credit Counselor (CCCC).
Q. How long does it take to receive answers to the questions?
A. Usually within one conversation, Financial Help Line can answer the question and provide guidance. A follow-up call may be required if a counselor needs to obtain additional information or to double-check an answer.
Q. Does this service offer investment advice or face-to-face consultations?
A. The professional financial consultants help members understand and plan for day-to-day and long-term financial needs. At this time, investment advice or face-to-face meetings are not available. However, upon request, members may be referred to an outside investment professional or a not-for-profit agency for additional assistance. We receive no economic benefit from any outside referrals. Referrals do not constitute an endorsement or assurance of quality by Financial Help Line.
Q. What can I expect to save with this membership?
A. Prices will always vary on prescription drugs and therefore it is impossible to estimate specific dollar savings through any non-insured drug program. Your membership offers two avenues for drug purchases: The Neighborhood Pharmacy program offers 10% to 60% discounts on acute care medications and the Mail Order Pharmacy guarantees an average of 10% off AARP's prices. Should you receive a quote anywhere else for less than our mail order pharmacy, we will beat it by a minimum of $5.00 on brand name and generic medications priced at $10.00 or more with no postage or dispensing fees added. Savings can not be used in conjunction with other discount or insurance cards.
Q. Do I get a discount on every single drug at the neighborhood pharmacy when I use my Membership card?
A. Not necessarily. Drug stores, like hardware and grocery stores determine their own pricing structures. Due to large discounts from manufacturers, some drugs may already be priced at or below the PBM's discount price. However, as a general rule, you can expect that 80% to 90% of your required, acute care prescription needs will be discounted below the stores usual retail price. The PBM network pharmacies have agreed to sell prescription drugs at the contract price, or their "usual retail price" whichever is lower.
Q. Why didn't I save any money at the participating local drugstore?
A. More than likely, you ordered a long-term maintenance medication versus a short-term acute care medication such as an antibiotic or pain-killer. Most pharmacies use long-term, maintenance medications as "loss leaders" and price these drugs at or below cost. They do this so that their customers will assume that all their prices are low. It's a marketing strategy. The pharmacy realizes that for long-term medications, you'll shop around in order to get the best price for a medication that you may be taking for the rest of your life. As the consumer, you are led to believe that this pharmacy has low prices on all their prescription drugs and other items. Our pharmacy program has contracted with independent and chain pharmacies nationwide to offer you a discounted price that will normally save you 10% to 60% on short term medications. However, in order to draw customers, many pharmacies opt to price their prescriptions lower than the contracted price. In this case the member gets the lower of the two. Normally, they use high profile maintenance drugs for these "loss leader" price reductions such as Prozac, Zantac, and Premarin. In order to guarantee members a savings, we established a mail order pharmacy program which absolutely, positively guarantees to beat any price quoted elsewhere by a minimum of $5.00 with no dispensing or postage fees added provided the brand or generic price exceeds $10.00.
Q. What if the Pharmacist doesn't recognize the card's name?
A. Always make inquiries in person and be sure to bring your card with you. When the pharmacist sees the Pharmacy Benefit Manager information on the card, the pharmacist then understands which program you are on.
Q. Is this a co-pay insurance card?
A. No. A co-pay card is an insured product where the customer pays a preset amount and the insurance company pays the remainder. This membership is a discount card offering reduced prices. You are responsible to pay the pharmacy 100% of the discounted price.
Q. I'm a member and called the Mail Order Pharmacy to get a price quote on my maintenance drugs. The price quote was higher than my old pharmacy. What should I do?
A. When you call the Mail Order Pharmacy to get a price quote, be sure to tell the representative where you found it for less. If the quotation you are given does not beat the price you are currently paying by at least $5.00, the operator will verify the price being charged at your local pharmacy and beat it by $5.00. This outstanding price guarantee is effective for all brand or generic drugs priced over $10.00.
The $5.00 guaranteed savings cannot be used in conjunction with other discount or insurance cards.
Pharmacy discounts are Not Insurance, and are Not Intended as a Substitute for Insurance
Payment must be made at the time of service in order to receive a discount.
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.
