| PHYSICIAN NETWORKS WITH Rx/DENTAL/OPTICAL |
GUARANTEE ISSUE - YOU CAN NOT BE TURNED DOWN
Available in all states (except where prohibited by law) |
PHYSICIAN NETWORKS |
Over 500,000 Medical Care Providers.... you can access at discounts up to 70%
Doctors, Chiropractors, Therapists, Psychologists, Social Workers, Laboratories
Network Access through MULTIPLAN and APIN |
Over 25 million covered American workers access our networks |
| You will pay the same low fees doctors charge the HMO's and Insurance Companies |
| Here are some of the examples* of the type of savings obtained: |
type of
service |
service
code |
avg fee
charged |
amount
you pay |
total
savings |
| Office Visit (Basic) |
99213 |
87.25 |
46.61 |
40.64 |
| Office visit (Moderate) |
99214 |
126.45 |
71.76 |
54.69 |
| Blood Cell Count |
85014 |
18.88 |
10.00 |
8.88 |
| Urinalysis |
81000 |
25.53 |
13.00 |
12.53 |
| TB Test |
86580 |
30.64 |
12.12 |
18.52 |
| Chest X-Ray |
71010 |
86.80 |
35.20 |
51.60 |
| MRI (hand) |
73220 |
1507.82 |
658.26 |
849.56 |
| Suture (eyelid) |
67930 |
982.39 |
494.73 |
487.66 |
| Nose (polyp) |
30110 |
533.78 |
198.00 |
335.78 |
| Wart (destruction) |
17110 |
116.81 |
71.76 |
45.05 |
| Appendix (excision) |
44950 |
3695.42 |
807.30 |
2888.12 |
| Cyst (ovarian) |
58925 |
3592.75 |
993.14 |
2599.61 |
| Hernia (abdominal) |
49590 |
3893.45 |
801.24 |
3092.21 |
| Cataract (laser incision) |
66821 |
2553.02 |
331.54 |
2221.48 |
| Cast Leg (total rigid) |
29445 |
600.51 |
307.72 |
292.79 |
| Laparoscopy (pelvis) |
49320 |
3036.92 |
572.88 |
2464.04 |
| Prostate (biopsy) |
55700 |
821.20 |
215.60 |
605.60 |
| Tonsillectomy |
42825 |
1938.55 |
408.32 |
1530.23 |
| Maternity (normal delivery) |
59400 |
5922.99 |
3031.63 |
2891.36 |
| Angioplasty (coronary) |
92982 |
4109.13 |
1332.54 |
2776.59 |
| Heart Bypass (quadruple) |
33536 |
13025.33 |
4372.47 |
8652.86 | | |
| *These
examples are in the 117XX zip codes (Nassau County) and are
typical of the savings that are obtained. Your actual savings may be
more or less than illustrated. |
| That's not all there are many additional benefits: |
| Such as Prescription drugs at deep discounts |
| |
Over 53,000 Pharmacies nationwide |
| |
You pay the discounted price (plus a $2.40 dispensing fee)
Brand name drugs..........13% UNDER Avg. Wholesale Price *
Generic drugs................. Special pricing discounts
* (usually 30%-50% less than retail prices) |
Additional discounts available through our mail pharmacy program, including
Over 50,000 drugs available at $30 or less per Rx
(30 day supply or full therapeutic treatment course if less) | |
| IN-NETWORK ONLY DENTAL |
| Choose from thousands of dentists |
| Unlimited use of services |
| Can change dentist anytime (no extra charge) |
| Low cost per procedure (see schedule) |
| Includes orthodontic | |
| OPTICAL DISCOUNTS |
| Pearle Vision |
| Sterling Optical |
| Cohen's Fashion Eyewear | | |
| WHY IS THIS DENTAL BETTER THAN OTHER PLANS? |
| ANS:
Most dental plans have a limit on the services you can use. They pay
part and you pay part. Only they limit their part. With Health-Flex we
use a different system. We negotiated the fees in advance, so you know
the cost per procedure and there are no limits on the services you
can use. The bottom line looks like this: |
| |
|
Typical $1000 benefit |
other plan |
Our plan |
| Services |
Billed |
Plan pays |
You pay |
You pay |
| Exam |
50.00 |
50.00 |
0.00 |
** |
| X-Rays (set) |
60.00 |
60.00 |
0.00 |
** |
| Cleaning |
80.00 |
64.00 |
16.00 |
**62.00 |
| Fillings (2) |
190.00 |
152.00 |
38.00 |
90.00 |
| Root canal (1) |
800.00 |
400.00 |
400.00 |
308.00 |
| Crown (1) |
800.00 |
274.00* |
526.00 |
425.00 |
| |
1980.00 |
1000.00 |
980.00 |
885.00 | | ** Annual good health checkup: Exam, X-Rays, and Cleaning for the total of $62.00 |
| * The
other plan would have paid 50% except that the limit on benefits is
$1000. It has been met. Imagine needing two, three crowns, root canals
or dentures with the other plan. |
| Our benefits have no limits (and cost less) |
Example uses rates and reimbursements for the metropolitan New York area, other areas may differ slightly |
Low Monthly Cost: Individual $29.95 Family $69.95 |
Health-Flex 365 is not available is New York State, New Jersey, Connecticut or Florida. Please contact us for more information or additional plan options. |
|
