• In the event of an accidental bodily injury, this benefit pays up to $5,000 per family member, per incident.
• Only $100 deductible per incident.
• This benefit is accepted at ALL emergency rooms, clinics, urgent care centers, and physicians' offices through out the world with unlimited usage.

• This pays $50 - $75 for treatment of a covered illness by a Physician in a Physician's Office, Clinic, Urgent Care Facility, or Emergency Room.  Subject to a 5-visit maximum per person or 10 visits per family, per year! 
• May be combined with Outpatient PPO Benefit.
• There is NO pre-existing condition clause on this beneft.

• Over 600,000 Physicians Nationwide
• Member receives access to PPO contracted rates with Beech Street Networks
• Benefits include services performed in Doctor or Specialists office including routine office visits, OB-GYN exams, Mammograms, and most all medical services.
• All pre-existing conditions accepted with no deductibles, even pregnancy! 

• This benefit gives our members ACCESS to hospitals across the U.S.
• Pays a per day indemnity of either $500 OR $1000 (Depending on upgrade option  A or B) for hospital confinement as an in-patient due to a covered accident or sickness.
• This benefits pays "in addition" to your Hospital Medical Benefits as described in this summary.

• Pays a daily $1,000 for confinement in any hospital intensive care unit due to a covered accident or illness up to a maximum of 20 days per confinement.  (Available with upgrade A or B)

• Works with all hospitals for you to receive contracted rates usually reserved for insurance companies.
• Gives you access to hospitals, surgical centers, labs, imaging centers, etc. across the country to receive the contracted rates.  The network is made up of thousands of the finest Medical Facilities in the nation.
• Pre-existing conditions accepted.
• Average savings of 30 - 70% nationwide, but varies based on area, service, and facility.

• Each family member receives a scheduled reimbursement of $1,000 per year.
• Only a $50 deductible per person, per year!
• Deductible is waived on 2 teeth cleanings per year, per person.
• You can maximize benefits by combining both Part A and Part B!

• No limits or maximums - you can go to the dentist as often as you need
• Over 55,000 network dentists nationwide!
• Savings average 40% - 60% depending on procedure.
• Cosmetic Dentristry IS Covered!
• Pre-existing conditions covered! (Excludes work in-progress)
• NO deductibles, NO co-pays, NO claim forms
• NO waiting periods.  Your plan is effective immediately when you receive your ID cards.

• This will provide up to $20,000 in Accidental Death & Dismemberment Insurance for the primary member, plus $6,000 for the spouse and $5,000 for each child.  

• No maximums - no dollar caps on prescriptions
• Savings Average from 10% - 60% depending on medication
• No waiting period - plan is effective immediately upon member approval
• Includes 51,000 national chains such as Rite-Aid, Eckerd, Revco, CVS, Walgreens, Kroger, etc.
• Includes Generic & Name Brand

• Tier 1 Preferred brand and generic drugs available for $10 or less.
• Tier 2 Preferred brand and generic drugs available for $20 or less.
• Tier 3 Preferred brand and generic drugs available for $40 or less.
• Accepted at over 48,000 pharmacies nationwide. 
   

The Tiered Pricing Pharmacy Plan saves money and takes the guess work out of paying for prescription medications. This program segments brand name and generic drugs into three price classifications making it easier for members to consult with their physician to find the most effective medication at the lowest cost. Discounts also apply to drugs not listed in one of the following tiers as well as maintenance medications purchased through the mail order program.

• Sun Rx is typically used for on-going monthly or maintenance prescriptions.
• Currently the #1 Discount Mail-Order Rx drug plan.
• Average savings of 40% - 86%
• Prices average 20% - 30% below AARP mail-order pricing.
• Lowest price guarantee.

• Average savings of 30 - 50% on ALL care through our network
• FREE initial consultation
• Unlimited access to care
• Contracted rates
• No limits, No co-pays, No deductibles
• X-Rays and diagnostics included

• Average savings of 30 - 60% on eyeglasses, exams, and contact lenses
• Save on mail order contacts and sunglasses most major brands.
• Save 10 - 25% on most major brands of non-prescription sunglasses
• Lasik, PRK, ALK included
• Pearl Vision, Lens Crafters, Eyemasters, Sears optical, Dr's Valuevision, etc.

• UP to 15% savings on over 70 models of hearing aids in over 1,200 stores nationwide!
• Up to 60% savings on over 80 brands via mail order (subject to availability)
• Low member only prices on factory-fresh batteries
• FREE hearing test.

• Save 25% on unlimited treatment from a network of qualified massage therapists, acupuncture / oriental medicine, naturopaths, and other complementarty alternative care providers.
• Save 40% or more from internet or toll free catalog sales using top brands of natural products ALL 100% quality tested.
• Online nutritional counseling service is avaliable to help you identify the vitamins and supplements you need.

• "live" Nurse assistance 24/7/365 via toll free # specifically for members only
• Specifically trained to offer prompt, confindential medical counseling to assist members in making informed decisions regarding their health and medical needs.

• Provides a 24/7 personal medical records solution that gives fast and secure telephone access to complete medical records whenever or wherever they are needed in the world.

• Save 30 - 50% off the suggested retail price on audio self-help programs such as weight loss, etc.
• Save 15% or more off of Diabetic monitoring supplies
• Toll Free ordering and convienient home delivery
• Re-Order individule testing supplies
• Special packages which include blood glucose meter, lancet, sharps container, strips, alcohol pads, etc.

• Members can save on vitamins and nutritional supplements through participating stores and distributors.

• Dr. can diagnose and prescribe medicine over the phone 24/7/365
• Great while traveling, night, and weekends
• All dependents covered (12 and over)
• licensed primary care physicians
• Endorsed by the American Medical Association
• Used by the V.A. Veterans Administration

• Legal Club of America
• Nationwide network of 22,000 attorneys provides members with numerous FREE legal services, as well as low-cost hourly rates for ALL extended legal care.
• Contracted Rate of only $75 per hour for personal matters and $85 per hour for businesses.     

FREE Services Include

Unlimited phone consultations for all new legal matters Unlimited face-to-face consultations on new legal matters Phone calls made and letters written on your behalf Help representing yourself in small claims court Document review (up to six pages) Simple will for the family with free annual updates ($500) 10% discount on all contingency fee cases.

Examples of Common Services

Traffic ticket defense - $89 Name change - $155 Personal real estate closing - $175 Chapter 7 bankruptcy - $250 Simple divorce - $210 Simple will/trust - $170 Non-support (spouse/child) - $239 Regular Incorporations - $295

• The motor club provides several outstanding features.
• Availiable 24 hours a day
• Towing, Gas, Flat tire, Lock out, etc
• Sign and GO (pay nothing for most services)

• For the business or recreational traveler, this benfit provides a flat 50% off of regular room rates at participating hotel and resorts internationally.
• Holiday Inn, Days Inn, Hilton, Clarion, Marriott, Hampton Inns, Howard Johnson, Double Tree, Four Seasons, Sheraton, Best Western, Omni, Radisson, and many others!

• Members work directly with DHL and receive up to 30% savings on overnight shipping costs plus "on-demand" pick up services is avaliable upon request.
• Members averaging 5 shipments per day will qualify for even lower rates.

• Members receive an average savings of 50% when they visit participating parks.
• Just to name a few ~ Knott's Berry Farm, Universal Studios, Fiesta Texas, Busch Gardens, and many others.

• Members receive discount rates on car rentals from leading car companies.
• Hertz ~ Free car class upgrade and special discounts
• Avis ~ 10% discount on daily rates, 5% off inner-city rates Avis express Rapid return, Advantage program.
• Alamo ~ Special member only rates for weekly rental. FREE unlimited mileage.

• Members Get up to 50% savings at over 1,000 municipal and semi private golf courses in the U.S. and Canada.
• Members receive the 50% discount off green fees when they rent a cart.

• Online resources to help protect members identity
• 24/7 live customer service avaliable to confirm an identity theft event.
• Automated recovery wizard
• Discounts on enhanced protection serrvices

• Members are entitled to savings of up to 50% at dinning establishments ranging from casual family eateries to fast food establishments and ice cream parlors.
• Over 20,000 restaraunts participating worldwide including Tony Roma's, Mrs. Fields, and Boston Mkt. Just to name a few.

• Preferred rates at thousands of properties both in the U.S. and internationally. 
• Save up to 80% on resort condo accomodations at all Holday Systems International locations
• Save up to 60% at Travel To Go condos.
• $50 off your resort vacation stay at all RCI Holiday Network properties.

• Discounts up to 25% on airfare.
• Discounts up to 5% on Land Vacations and Tours.
• Discounts up to 50% on over 2,000 cruises.

• Unlimited advice on Federal Taxation.
• FREE tax return preparation for Forms 1040 EZ, 1040A and the standard 1040.
• Deep discounts on numerous other Tax Schedules.
• IRS audit assistance.
• Tax Planning for the future PLUS reviews of prior year tax returns.
• Member portal with tax tips, tax law changes, member advice and so much more!

• Internet and telephone shopping service.
• Save up to 50% on over 300,000 name brand items.
• Shop 24 hours a day, 7 days a week.
• Personal assistance to resolve shopping needs.