The Products

Non-insured Benefits

  • Reduce absenteeism
  • Improve productivity
  • Lower claims experience
  • Stretch healthcare and HSA dollars
  • Improve morale
  • Encourage health and wellness
  • Retain employees
  • Attract strong applicants

Non-Insured Benefits

  • Complement all health plans, especially HDHPs
  • Provide access to discounted services, providers and products
  • Save time, money and stress
  • Can be used by the employee and their immediate family

Most Popular

  • Doctors by Phone
  • Doctors Online
  • Health Advocate Services
  • Health Wealth Connection
  • Dental
  • Vision
  • Pharmacy

Options for Employers

  • Employer-paid program
    • Using pre-tax dollars
    • Encourages utilization of benefits
  • Employee-paid program via payroll deduction
  • Combination
    • Package A Employer-paid
    • Package B Employee-paid buy up

Package Options

  • Doctors by Phone (no consult fee)
  • Doctors Online
  • Health Advocate
  • Doctors Online
  • Health Wealth Connection
  • Discount Dental
  • Discount Vision

Savings Plus Plan

Doctors by Phone

  • 72% of doctor visits could be handled over the phone
  • 24/7 access to a doctor via phone or video consult
  • No consult fee
  • Doctors prescribe medication when necessary
  • Avoid visits to primary care physician, urgent care or ER for non-emergency issue
  • U.S. board-certified doctors with an average 15 years experience

Doctors On-line

  • 24/7 access to doctors, pharmacists, psychologists, dentists, dieticians and more via email
  • Responses within a few hours
  • Health assessments and articles

Health Advocate Services

Medical Health Advisor

  • One-on-one support from professionals for medical or insurance-related issues
  • Locate doctors, specialists, hospitals, dentists and pharmacies
  • Research treatments
  • Resolve claims

Medical Bill Saver™

  • Negotiators help employees save 25% to 50% on medical or dental bills over $400
  • Bills can’t be submitted to insurance or previously discounted


  • Call for:
    • Flu or fever symptoms
    • At-home remedies
    • Side effects of medications

Health Wealth Connection

  • Wellness program for managing health and finances
  • Weekly tips on health, money and managing stress
  • Guided assessments
  • Interactive tools
  • Member forums


  • Employees save 15% to 60% per visit*
  • Thousands of participating dental practice locations nationwide
  • Services include cleanings, X-rays, crowns, root canals, fillings and orthodontics
  • Click here For More info

*Actual costs and savings vary by provider, service and geographical area. **As of June 2013.


  • Employees save 20% to 60% on prescription eyewear – frames, lenses and specialty items
  • 10% to 30% off eye exams
  • Lowest contact lens prices through mail order program
  • 40% to 50% off national average for LASIK


  • Employees save 10% to 85% on most prescriptions
  • Average savings of over 40%
  • Cardholders saved million’s in 2015
  • Compare prices online
  • Even with insurance, present both cards to pay the lowest price


These plan’s ARE NOT insurance.

The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under the Affordable Care Act or Massachusetts M.G.L. c. 111M and 956 CMR 5.00.

This plan provides discounts at certain healthcare providers for medical services. This plan does not make payments directly to the providers of medical services. The plan member is obligated to pay for all healthcare services but will receive a discount from those healthcare providers who have contracted with the discount plan organization. This discount card program contains a 30 day cancellation period. The range of discounts for medical or ancillary services provided under the plan will vary depending on the type of provider and medical or ancillary service received. Member shall receive a full refund of membership fees, excluding registration fee, if membership is cancelled within the first 30 days after the effective date. AR and TN residents: A refund of all fees will be issued if membership is cancelled within the first 30 days. Discount Medical Plan Organizations on file, please call for more information 888-881-2307: