Medical Discount Card

1. Medical Discount Card 1. Dental Care 2. Vision Care 3. Prescription/Pharmacy 4. Hospitals 5. Hearing Aid 6. Physicians

2. Introduction • Many people are familiar with dental or vision discount cards, or prescription drug discount cards. Medical Discount Card promises discounts on a much broader array of health care needs. Medical Discount Cards can be used for doctor visits, hospitalizations and other health care services along with Dental, Vision, Hearing and Prescription drugs.

3. How does Medical Dental Card works • First and foremost, it is important to understand that discount medical cards are NOT insurance coverage. Discount medical card companies do not pay claims for medical services. Instead, they negotiate with health care providers to offer discounted rates. Enrollees pay a monthly fee to access these negotiated discounts. This monthly fee is almost always significantly less than the cost of insurance premiums. • However, enrollees do not receive the discount unless they pay for their health care in full at the time of service. For expensive medical services such as surgery or hospitalizations, this can be extremely difficult, if not impossible, to do. • Discount card programs usually offer a "membership" for a monthly or annual fee and members are typically required to have a Cheque-In A/c. In return for the fee, you get a discount card that is accepted by a network of doctors, hospitals, pharmacies, and other health care providers. The network providers accept the reduced rates to reach more customers. Typically, when you see a doctor or other provider in the network, you present your discount card and pay a discounted fee-for- service with a E-Cheque. Sometimes you pay the doctor's full fee, but receive the discount as a credit to your Cheque-In account. The amount of discount can vary by provider and service. For example, one dentist may discount a check-up by 20% and a filling by 10% but another may only discount the same services by 15% and 5%, respectively.

4. What you can get? • Get The Largest Selection:- • Find the Dentist YOU need with access to over 59,000 providers. • You Get The Best Price Guaranteed:- • We scour the web for the best prices. If you find a lower price, for comparable coverage, we will lower our price to match it. • You Get Industry Leading Customer Service:- • We answer questions and help find Dentists, set appointments and answer billing questions for all our Members. • You Get Fast Referrals:- • You can check for Dentists in your area, Review your plan details and Apply online - all in just minutes.

5. 1.Dental Services • As a member of our Total-Care plan, you can take advantage of savings offered by an industry leader in dental care. • Our Corporation is one of the most recognized professional dental networks in the nation and boasts a provider network of over 49,000 participating dentists.

6. Highlights Of The Plan:- • Average annual savings of $1,200 per family on dental work • Over 49,000 providers nationwide • Save 20% to 60% on most dental procedures including routine oral exams, unlimited cleanings, and major work such as dentures, root canals, and crowns. • Orthodontics included for both children and adults at a 20% savings • Cosmetic dentistry such as bonding and veneers also included • All specialties included—Endodontics, Oral Surgery, Orthodontics. • Dentistry, Periodontics, and Prosthodontics – a 20% reduction on normal fees where available. • All dentists must meet highly selective credentialing standards based on education, background, license standing and other requirements • Members may visit any participating dentist on the plan and change providers at any time.

7. Sample Savings • The discounts significantly reduce the cost of Dental Care up to 20 - 60%. We have provided a sample of services and their discounts based on pricing for zip code 43306 - Marion, Ohio. Actual discounts will vary depending on your location. • Procedure Usual Fee Member Fee Savings% Periodic Oral Evaluation $43 $18 58% Comprehensive Oral Evaluation $73 $30 59% Root canal - Molar $947 $431 55% Complete denture-maxillary $1421 $586 59% Surgical Removal of Erupted Tooth $250 $102 59% Orthodontic Treatment - Braces $2000+ $1600 20% Crown-porcelain fused noble metal $1048 $446 57% Complete X-Ray Series $123 $52 58%

8. 2.Vision Care • If you are looking for a plan that provides choice and flexibility with minimal cost to your organization will meet your needs. • In addition to discounts on eyewear and associated professional services. • Plan provides members with access to unrivaled network of private practice Optometrists and Ophthalmologists. • unparalleled member service is guaranteed through our Member Promise .

9. Highlights Of The Plan:- • Eyeglass Frames & Lenses. • 20% on Conventional Contact Lenses. • Your choice of any frame at provider locations Save 10% on Disposable Lenses.     • Discounts up to $800 onLASIK and PRK procedures for two eyes. • Most vision care available at Significant SavingsEye exams, contact lenses, frames, lenses and add-ons.

10. Independent Vision Locations • National Vision Chains:- • Pearl Vision Sears • Optical J.C. Penney • Target Optical • Lens Crafters • Some Regional Chains:- • American Vision • Cohen Fashion • Empire Vision • Eye First Vision • Ideal Optical • Stein’s optical

11. Discounts with this Plan • Eye exam: 20% discount on Vision Network Doctors fees. • Eyeglasses: 20% off complete pairs of prescription glasses and lens options. • Contact lenses: 15% off Vision Network Doctors contact lens exam fees. • Laser vision correction: discounts averaging 15% off contracted laser centers prices for laser vision correction surgery or an additional 5% off the laser centers promotional price.

12. Additional Valued Discounts • The assurance that your Vision Plan Members are receiving the utmost in quality care from the largest nationwide network of eye care professionals in the industry. • Value for Vision Plan Members with limited involvement or cost to your organization • The flexibility to combine this plan with a schedule of allowances providing additional coverage toward discounted services and eyewear.

13. 3.Prescription/Pharmacy • Provider Network: 57,000 Pharmacies Nationwide • Discount Range: An average savings of 31% on generic drugs and an average savings of 13% on brand name prescriptions

14. Pharmacies Taking Part Albertsons Pharmacy Publix Pharmacy Brookshire Pharmacy Rite Aid Pharmacy Costco Safeway CVS Sams Club Pharmacy Drug Emporium, Smiths Pharmacy K-Mart Target Pharmacy Kroger Pharmacy Tom Thumb Lucky Rx Walgreen's Meijer Pharmacy Wal-Mart Eckerd Drug

15. Highlights Of The Plan • Savings of up to 55% on Prescription Drugs • Access to over 51,000 Pharmacies • No Prescription Drug Exclusions • Includes New and Refill Prescriptions • No exclusions for pre-existing conditions

16. How To Use • Simply visit our website or call the toll-free number on your membership card for the pharmacy nearest you. Please be sure to present your ID card along with your prescription's), to the pharmacist. Please do not call the pharmacy for price quotes. They cannot provide you with the contracted rate over the phone. The pharmacy’s computer system will compare our contracted rate with the pharmacy’s price. You pay the lower of the two prices at the point of sale. • Your membership card must be presented to the pharmacist before having your prescription filled.  The pharmacy program cannot be used in conjunction with any other offer, coupon or pharmacy card. 

17. 4. Hospitals • Hospital Network - Three Rivers Provider NetworkSave 20%-25% on medical services at acute care hospitals and surgery centers. • Over 3,900 hospitals nationwide

18. 5.Hearing Aid • (A) Hear Po • (B) Miracle Ear

19. 5.(A)Hear Po • Provider Network: Over 1,600 Franchises. • Discount Range: 30% on hearing exams and services 5% to 60% on all hearing aids at any Hear PO provider

20. Key Features • Largest provider of audio logy and hearing aid services in U.S • Over 200 models of hearing aids available, including the newest programmable and digital technology. • Discounts on repairs and batteries. • Comprehensive follow-up services at no charge for 1 Year. • Free demonstrations of the latest technologies. • All testing completed by highly credentialed licensed professionals.

21. Statistics • 2004 Median Age:- 69. • 2004 Average Age :- 62. • 2004 Gender:- 36% Women, 64% Men. • Average Income:- (a)$0 to $20,000 – 40%. (b)$20,001 to $49,999 – 48%. (c)$50,000 ++ - 12%.

22. 5.(B) Miracle Ear • Provider Network: 1,000 Franchises. • Discount Range: 15% discount on hearing aids and repairs.

23. Key Features • Free hearing evaluations and exams.

24. Physicians • Access 20%-45% savings on medical services such as routine office visits and ancillary services, including lab work and imaging centers, by accessing a participating provider. • Over 750,000 provider locations nationwide • Over 350,000 participating physicians • Medicareproes Physician Relations Department will provide the member with a list of providers after verifying which provider is participating in the discount card program.

25. 2 Different packages 1st package for $399 includes: Dental Care, Vision care , Prescription/Pharmacy, Physician, Hospitals and Hearing Aid. 2nd package for $299 includes: Physician & hospital, Dental, Vision and Hearing, Prescription/Pharmacy.