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Health & General Liability
Direct Seller Liability What Customers Say We recommend that you consider the Multi-Care discount card, however, if you are unable to locate your provider and would like to review an "any dentist" plan, please use the link provided here Review Coverage | Get Quote | Apply Frequently Asked
Questions Click Here to Nominate A
Provider DISCLAIMER |
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Multi-Care
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| 25% Discount When Paid Annually | ||
| Individual Only | ~ | $9.95/month ~ $90/year* |
| Individual + One | ~ | $14.95/month ~ $135/year* |
| Family | ~ | $19.95/month ~ $180/year* |
Feel free to review program highlights,
enroll for coverage, and more,
all by clicking on any of the
links below.
         Discount plan FAQ's 
How to use your discount plan
This is not insurance nor is it intended to replace insurance. For a full list of disclosures please click here
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Dental care
Vision care
LASIK eye surgery
Hearing care and services
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Prefer to speak directly with one of our licensed Advisors?
Call PRO Insurance toll free:
877-CALL-PRO or 800-821-7383
Thank you for your interest.
Disclosures:
THIS
PLAN IS NOT INSURANCE. THIS IS NOT A MEDICARE PRESCRIPTION DRUG
PLAN.*
This plan does not meet the minimum creditable
coverage requirements under M.G.L. c. 111M and 956 CMR 5.00. The
plan provides discounts at certain health care providers for
medical services. The range of discounts will vary depending on
the type of provider and service. The plan does not make
payments directly to the providers of medical services. Plan
members are obligated to pay for all health care services but
will receive a discount from those health care providers who
have contracted with the discount medical plan organization. You
may access a list of participating health care providers at this
website. Upon request the plan will make available a written
list of participating health care providers. You have the right
to cancel within the first 45 days after receipt of membership
materials and receive a full refund, less a nominal processing
fee (nominal fee for MD residents is $5). Discount Medical Plan
Organization and administrator: Careington International
Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone
800-441-0380.
The program and its administrators have no
liability for providing or guaranteeing service by providers or
the quality of service rendered by providers. This program is
not available in Montana and Vermont. *Medicare statement
applies to MD residents when pharmacy discounts are part of
program.
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Discounts: 5%-60% savings on most dental procedures including:
- Routine oral exams
- Unlimited cleanings
- Braces
- Dentures
- Root canals
- Crowns
- Bonding
- Veneers and more
Provider network: Over 65,000 participating dentists
Key features:
- One of the largest independently owned dental networks nationwide
- No limits on use, everyone is accepted
- No waiting or administrative forms to file
Discounts: Members save 15% to 35% off eye care needs like eye exams, eyeglasses, and contact lenses
Provider network: Over 34,000 participating providers nationwide
Key features:
- VSP is one of the nation's largest eye care doctor networks
Discounts: 15% off the retail price or 5% off the promotional price of LASIK procedures
Provider network: A national network of over 570 locations
Key features:
- Preferred pricing available for Traditional LASIK, Custom LASIK, Traditional IntraLase and Custom IntraLase
- The National Lasik Network's surgeons have performed over one million LASIK procedures to correct nearsightedness, farsightedness and astigmatism
Discounts: Savings on hearing exams and services, and approximately 25% discount off a hearing aid at any HearPo provider
Provider network: Over 1,800 provider locations
Key features:
- Lowest Price Guarantee* - should you find a lower price at another local provider, we will gladly beat that price by 5%.
- Largest provider of audiology and hearing aid services in the United States
- Discounts on batteries mailed directly to your home
- Comprehensive follow-up services at no charge for one year
- 60-day trial period with 100% money-back guarantee
*Competitor coupon required for verification of price and model. Limited to manufacturers offered through the HearPO program. Local Provider quotes only will be matched.
Discounts: An average discount of 15%-20% on brand name drugs and an average discount of 25% on generic drugs
Provider network: Over 58,000 pharmacies nationwide, including CVS®, Kroger®, Safeway®, Publix®, United Drugs®, Wal-Mart®, Medicine Shoppe®, Costco®, K-Mart®, Winn Dixie®, Target®, Rite Aid®, Walgreens®, Savon® and more
Key features:
- The prescription discount is automatically calculated and applied to the member's transaction
- A prescription mail order service is available for convenient home delivery
- The WellDyneRx Web site allows members to check prescription prices, locate a participating pharmacy, receive alternative prescription recommendations, review health and wellness information, refill a prescription and receive refill reminders
Discounts: In addition to receiving a free blood glucose monitor upgrade, members also have access to a wide array of discounts including:
- 20%-30% off the retail price of durable medical equipment
- 20%-40% off the retail price of disposable medical supplies
- 20%-25% off the retail price of nutritional supplements and daily living aids
Key features:
- Better Living Now is a managed care provider of health care products and services, specializing in the needs of patients with chronic conditions such as diabetes
- No shipping charges for orders that are $100 or more
- Members can receive up to a 90-day supply, and Better Living Now's care coordinators will send a replacement notification before supplies run out
- No complicated forms to fill out
- No inconvenient trips to the pharmacy
Discounts:
- 25% off health services such as chiropractors, dieticians, massage therapists and acupuncturists
- 10% off initiation and/or monthly dues of health club memberships
Provider network:
- Over 20,000 credentialed complementary health care providers, including 14,000 chiropractors
- Over 14,000 participating fitness clubs and exercise centers
Key features:
- Discounts available on health and wellness products such as vitamins, minerals, herbal supplements, homeopathic remedies, sports nutrition products, health-related books and DVDs, fitness products and skin care items, with free shipping on most orders
- Members may try a health club at no charge for a week prior to joining
Carenet provides nurse triage services via a toll-free number 24 hours a day, 7 days a week, including holidays.
Key features:
- Each nurse call will be documented and HIPAA compliant
- Deaf and foreign language services available through TDD and a language line service
- Access to a pre-recorded health information library consisting of over 1,100 various topics, including:
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Discounts: A $1,000 discount for members compared to the regular price for gastric banding weight loss surgery charged to non-members
Provider network: National network of over 100 participating locations
Key features:
- All surgeons are certified by Allergen (Lap Band) or Johnson & Johnson (Realize Band), and both the Lap Band and Realize Band products are approved by the FDA
- Lap Band and Realize Band products typically deliver many health benefits such as weight loss and a reduction in type two diabetes levels
Savings plan FAQs
Q Is this an insurance plan?
No, this is
not an insurance plan. Our discount plans provide you with
discounted prices on a wide range of health care services and
products; you will pay for services at the discounted price at
the time services are received.
Q How does the savings plan work?
Saving
money on health care expenses is easy. First, you can find
participating providers by using the "Provider Search" page on
the Web site. After confirming the provider's continued
participation when making an appointment, members just show
their membership card at the time of service. Members are
responsible for paying all fees directly to the provider.
Q Can I include dependents on my plan?
Yes, one of the wonderful features of our discount plans is that
your entire household can receive the discounts, even children
living at college!
Q Can I use my membership when I travel away from
home?
Yes, your membership can be used at any
participating provider in the United States.
Q What doctors can I go to?
You
can find participating providers for the discount plan by
visiting the "Provider Search" Web page or calling (800)
290-0523 and pressing option 1, then option 1 again.
Q How long will it take me to get into the system
after I sign up?
After you have successfully become
a member, you will receive your membership materials and
membership cards in about 7-10 days.
Q How do I get additional membership cards?
If you need additional cards for your household, or have
lost your card, please call Member Services at (800) 290-0523
and press option 1, then press option 1 again. They will be
happy to send additional cards to you.
Q
Can I go to a provider that does not participate?
You may go to the provider of your choice; however, you will
only receive a discount by going to a participating provider.
Q There is not a provider close to my home. What do
I do?
While some zip code areas may have a limited
number of providers, there are usually providers within a
50-mile radius of your zip code. You can refer a provider for
participation in the network by visiting and selecting "Refer a
Provider." The program administrator will contact the provider
with information on how to apply to participate in the program.
Because of the application and credentialing process, it may
take 6-12 weeks before a provider is added to the network. Not
all providers will agree to accept the discounted fees required
by the program.
Q If my doctor or dentist
refers me to a specialist who is not in the network, do I still
get a discount?
You will only receive a discount by
going to a participating provider. You might try printing out a
list of participating providers to share with your doctor or
dentist to see if he/she could recommend any of the
participating specialist locations.
Q Can I use this plan even if I already have
insurance?
Yes, as long as your plan isn't a PPO,
HMO, or another discount plan. Just go to a participating
provider, show your membership card, pay the discounted fees at
the time of service and ask for a copy of your bill. Then, file
the claim with your insurance company to be reimbursed by them.
This reduces your out-of-pocket expenses and stretches your
dollar so you reach your maximums more slowly.
You may also use the discount plan for services not covered
by your insurance plan. For example, many people have medical
insurance, but do not have dental and vision coverage. Please
remember that the savings plans are not insurance and may offer
discounts on many services not included in traditional indemnity
plans.
Q What do I do if I feel the provider
overcharged me?
You can send a copy of your bill
and a written letter to the administrator of the plan,
Careington International Corporation, Attn: Provider
Relations, P.O. Box 2568, Frisco, TX 75034. They will
investigate your inquiry, and you will be contacted regarding
the findings.
Q What do I do if I have a
complaint about a provider?
Please submit all
issues in writing, including a copy of your bill. You may fax
them to (972) 335-3968, or you may mail them to Careington,
Attention: Member Services, 7400 Gaylord Pkwy, Frisco, Texas,
75034. Call Member Services at (800) 290-0523 for help with any
concerns you may have.
Q Once I select a
provider, am I assigned to that provider? How often can I change
providers?
Another great feature of the discount
plan is your ability to select any provider from the network.
You can change providers at any time, and household members can
select their own providers, just click the “Provider Search” Web
page.
Q What should I say when I call a provider to make
sure they participate?
The providers will recognize
the name of the network with which they participate, so when you
call, it is important to use the name of the correct network.
Q How do I cancel my membership?
Verbal
Cancellations are accepted over the phone. If
you cancel within the first 45 days of enrollment, you'll
receive a 100% refund less any nominal processing fees, no
questions asked. For cancellations after the first 45 days,
Members who are billed monthly will stop receiving monthly
charges and Members who paid the annual amount will receive a
pro-rated refund.
How to use your discount plan
It’s easy to use your discount plan. Once you have joined the plan and received your membership kit, simply follow these directions and start using your membership card today! (Some savings plans will have specific directions on how to use the plan. Please review your membership kit for details.)
- Keep your membership card with you at all times so it will be easily accessible to present at provider locations. You must present your membership card at the time of service to receive a discount.
- To locate and verify participating providers in your area, you can click on the "Provider Search" button on this page to search for providers. When calling to schedule an appointment, please refer back to the membership card for proper network identification when speaking to a participating provider’s office.
- You are responsible for paying the provider the entire discounted fee at the time the service is provided.