Health & Lifestyle Benefits
Learn More: Simply click on each Benefit Icon below and learn more about the program including Benefits, Highlights, FAQ, Sample Savings and Video.
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Doctor By Phone
Q. How does the dental plan work?
A. Participating dental providers are listed in the membership fulfillment kit; members may also call the toll-free number located on the back of the membership card Monday through Friday, 7 a.m. to 7 p.m. and Saturday, 8 a.m. to 5 p.m. Central Time. When calling to schedule an appointment the member should identify him/herself as a member of the Aetna Dental Access® program. To receive the discount the member must present the membership card and pay the total discounted bill at the time of service.
Q. Is there a limit to the number of times the card can be used?
A. No. Members and their families may take advantage of the savings any time throughout the year. Members may also change dentists within the network whenever they choose.
Q. May this discount be combined with dental insurance?
A. In some cases, members may use both. If your insurance company allows you to submit claims after service, simply visit a participating dental provider, pay the discounted bill and submit the bill and claim to the insurance company. The net out-of-pocket cost will be lower because the insurance company would reimburse the member the percentage of the reduced bill as defined in their insured plan. If your insurance company does not allow the policyholder to submit claims, the discount dental can only be used for services not paid for by the insurance such as cosmetic dentistry or services after your annual maximum has been met.
Q. Is there someone that can answer questions about the card and services offered?
A. Yes. Simply call the toll-free number located on the back of the membership card Monday through Friday, between 7 a.m. and 7 p.m. Central and Saturday between 8 a.m. and 5 p.m. Central. A member services representative is standing by to answer any questions.
Q. What if a member's dentist is not a participating provider?
A. Simply call the toll-free number on the membership card and give the member services representative the doctor's name, address, phone number and specialty. We then contact the doctor about becoming a provider.
Updated 2011. *The select regional average fee represents the average fees for the procedures listed above in Los Angeles, Orlando, Chicago and New York City, as displayed in the Estimate the Cost of Care tool as of September 2011.
|Product/Service||Select Regional Average Cost||Average Cost with Aetna Dental Access®||Total Savings|
|Four Bitewing X-rays||$68||$36||$32|
|Composite (White) Filling||$171||$90||$81|
|Crown (porcelain fused to noble metal)||$1,178||$748||$430|
|Complete Upper Denture||$1,265||$896||$369|
|Molar Root Canal||$1,095||$669||$426|
|Extraction (single tooth)||$187||$82||$105|
Q. What is the vision benefit? Does it include eye exams? Does it include contact lenses?
A. The vision benefit offers 10% to 60% discounts on eyewear and eye care at more than 12,000 optical locations throughout the United States. Providers include national optical chains such as LensCrafters, Pearle Vision, Visionworks, JCPenney, and Sears as well as regional chains and thousands of independent practitioners. Often many participating locations offer discounts of 10% on eye exams for both eye glasses and contact lenses. Additionally, the ophthalmology portion of the network offers 10% to 30% discounts on eye exams and surgical procedures, including the popular laser surgeries in select markets.
On average, members receive a 20% discount on replacement contact lenses (excluding disposable lenses) at retail locations. Members may elect to use the mail order service to purchase replacement contact lenses (including disposables) at a 10% to 40% discount.
Q. Is Coast to Coast Vision (CTC) discount insurance?
A. No. While an insured plan is available, CTC is a discount eyewear and eye care program. There is no paperwork. The participating retail optical locations will give the discount at the time of the purchase.
Q. Can members use CTC if they already have vision insurance?
A. Yes. In most cases CTC can be utilized to reduce out of pocket expenses. For example, once the insurance benefit has been exhausted, members may use their discount to buy additional pairs of glasses or contacts.
Q. Is there a limit on the number of times the benefit can be used?
A. There is no limit on the number of times the member or family member can take advantage of the savings provided by CTC.
Q. Does the CTC discount include family members?
A. It includes the member, their spouse and all legal dependents.
Q. What is included with CTC membership?
A. Prescription glasses and contact lenses are discounted 20% to 60% in most cases. Eye exams and surgery are discounted 10% to 30% where available.
Q. Why does the discount vary from 10% to 60%?
A. Many variables go into the calculation of the discount such as market demographics, location, hours of operation, one-hour service capability and level of retail mark-up. Example - a chain provider in a major metropolitan mall, open seven days a week, 10 hours a day with an on-site lab, will more than likely have a different mark-up than an independent practitioner in a rural community. However, members will pay almost exactly the same price for the exact same materials regardless of where the purchase is made. Only the percentage of discount off retail may vary.
Q. Can members receive the discount at any optical location?
A. No. Members must go to an optical location that is contracted with Coast to Coast Vision to receive a discount. Our providers include national, regional and local chains as well as thousands of independent professionals.
Q. What is a dispensing fee?
A. The dispensing fee is the amount of money that is added to the provider's wholesale acquisition cost of materials. It is generally the only profit made by the provider on your purchase.
Q. Is the eye exam discounted?
A. Yes, at approximately 4,000 of our 12,000 locations nationwide. Our member service representatives can tell you which locations discount eye exams in your area.
Q. What do I do when I get to the location to get my discount?
A. All you need to do to receive your discount is show the provider your membership card and tell them you are with Coast to Coast Vision. It is very important that you mention Coast to Coast Vision Network to ensure a discount at the time of purchase.
Q. Do I get the discount if the store is running a sale?
A. The location will not combine our contracted discount with the sale price. However, in most cases, the Coast to Coast price will be better than the sale price.
Q. Do the retail locations mark up the merchandise to give me the discount?
A. No, you receive the discount because CTC brings the buying power of over 10 million members to the optical retailers participating with us.
Q. How do I get my eye doctor or optician on the Coast To Coast Vision network?
A. If you wish to refer your doctor to the CTC network, just give us their name, address and phone number and we will contact them about becoming a provider. If your practitioner does not wish to join the plan, you can still use him/her for your eye exam. Simply take your prescription to one of our participating providers to receive your discount on glasses or contact lenses.
Q. How can I be guaranteed the greatest savings on contact lenses for me and for my husband?
A. Although members receive a 10% to 20% discount when purchasing replacement contact lenses at participating optical centers, the greatest savings and selection for contact lenses is often offered through the mail order program. Replacement contact lenses are discounted at 10% to 40% below retail.
Q. Can I purchase disposable contact lenses at a discount through a participating optical center?
A. No. Disposable lenses are generally priced as "loss leaders" at the retail stores. However, members can use the mail order contact lens program to receive discounts when ordering disposable lenses.
Q. What if my contact lenses are destroyed while I'm on vacation?
A. Simply call the toll-free number on the back of your membership card. The patient registration keeps your prescription on file until it expires and we can send your replacements overnight to you almost anywhere in the world.
Q. What is LASIK?
A. LASIK (Laser-Assisted In Situ Keratomileusis) is an outpatient treatment that uses an Excimer Laser (cool beam of light) to gently reshape the front surface of the eye (the cornea). Reshaping the cornea redirects the light angle as it enters the eye to refocus correctly on the retina. This allows images to be more sharply focused. Vision recovery is rapid, and there is little or no post-operative pain. With refractive procedures, your dependence upon glasses and contact lenses should diminish significantly.
Q. Can LASIK be done if I have astigmatism?
A. Yes, the LASIK procedure has been approved to effectively treat astigmatism as well as myopia (nearsightedness) and hyperopia (farsightedness).
|Example 1 - New York, NY|
|Regular Exam (Ophthalmologist)||$150.00|
|CTC Member pays:||$120.00|
|CTC Member Pays:||$3,600.00|
|Example 2 - Dallas, TX|
|Regular Exam (Ophthalmologist)||$190.00|
|CTC Member pays:||$133.00|
|CTC Member Pays:||$54.47|
|Progressive / Polycarbonate||$209.00|
|CTC Member pays:||$156.75|
|Example 3 - Tampa, FL|
|Extended Exam (Ophthalmologist)||$225.00|
|CTC Member pays:||$157.50|
|CTC Member Pays:||$72.72|
|Single Vision Lens (Plastic)||$170.00|
|CTC Member pays:||$110.50|
Perscription Drug FAQ:
Q. What can I expect to save with this membership?
A. Prices will always vary on prescription drugs and therefore it is impossible to estimate specific dollar savings through any non-insured drug program. The Neighborhood Pharmacy program offers 10% to 85% discounts on acute care medications. Savings cannot be used in conjunction with other discount or insurance cards.
Q. Do I get a discount on every single drug at the neighborhood pharmacy when I use my Membership card?
A. Not necessarily. Drug stores, like hardware and grocery stores determine their own pricing structures. Due to large discounts from manufacturers, some drugs may already be priced at or below the PBM's discount price. The PBM network pharmacies have agreed to sell prescription drugs at the contract price, or their "usual retail price" whichever is lower.
Q. Why didn't I save any money at the participating local drugstore?
A. More than likely, you ordered a long-term maintenance medication versus a short-term acute care medication such as an antibiotic or pain-killer. Most pharmacies use long-term, maintenance medications as "loss leaders" and price these drugs at or below cost. They do this so that their customers will assume that all their prices are low. It's a marketing strategy. The pharmacy realizes that for long-term medications, you'll shop around in order to get the best price for a medication that you may be taking for the rest of your life. As the consumer, you are led to believe that this pharmacy has low prices on all their prescription drugs and other items. Our pharmacy program has contracted with independent and chain pharmacies nationwide to offer you a discounted price that will normally save you 10% to 85% on short term medications. However, in order to draw customers, many pharmacies opt to price their prescriptions lower than the contracted price. In this case the member gets the lower of the two. Normally, they use high profile maintenance drugs for these "loss leader" price reductions such as Prozac, Zantac, and Premarin.
Q. What if the Pharmacist doesn't recognize the card's name?
A. Always make inquiries in person and be sure to bring your card with you. When the pharmacist sees the Pharmacy Benefit Manager information on the card, the pharmacist then understands which program you are on.
Q. Is this a co-pay insurance card?
A. No. A co-pay card is an insured product where the customer pays a preset amount and the insurance company pays the remainder. This membership is a discount card offering reduced prices. You are responsible to pay the pharmacy 100% of the discounted price.
|Drug||Strength||Quantity||Retail Price||Discounted Price||Percentage Savings|
|Omeprazole Cap||20MG||30 qty||$24.62||$13.09||46.83%|
|Fluticasone SPR||50MCG||16 qty||$43.46||$29.57||31.96%|
Based on member savings in December 2013. Prices are subject to change without notice and may vary by region. Payment must be made at the time of service in order to receive a discount.
Pharmacy discounts are Not Insurance, and are Not Intended as a Substitute for Insurance. The discount is only available at participating pharmacies. Payment must be made at the time of service in order to receive a discount.
CT / MRI Scans
Alternative Medicine FAQ:
Q. What is Alternative Medicine?
A. Alternative Medicine is any one of a variety of systems used for healing or treating disease (as acupuncture, homeopathy, or herbal medicine) not included in the traditional medical curricula taught in the U.S.
Q. Why is Alternative Medicine needed?
A. More and more patients are finding that alternative medicine has a great deal to offer, especially for treating chronic conditions with which Western Medicine has little success. The vast majority of patients do not see conventional and unconventional therapies as an either/or proposition. Rather, they seek to make informed, personal choices about how to integrate both.
Q. What kind of problems does Alternative Medicine deal with?
A. Alternative Medicine has been used to treat a vast array of both physical and emotional ailments, from back problems, anxiety, headaches, and chronic pain to cancer or tumors.
Q. How much can I save with this benefit?
A. The exact amount you save depends on the provider you choose. Network providers offer discounts from 10% to 30% off of their standard rates. After you choose a provider, it is recommended that you call the provider’s office to learn what discounts are offered.
Q. Is there a limit on how many times I may use the Alternative Medicine benefit per year?
A. No. You and your legal dependents may use this benefit as often as you wish.
Q. Can I go to any Alternative Medicine provider to receive a discount?
A. To receive a discount on services, you must go to a participating provider.
Q. Is there someone who can answer questions about this discount benefit?
A. Yes. Call the toll free number on the back of your membership card. Customer Service Operators are standing by to answer any questions.
Medical Bill Saver
Medical Bill Saver™
Legal Care Direct FAQ:
Q. Can members change attorneys, for whatever reason?
A. Yes, at any time, for whatever reason and as often as needed. Members are not restricted in any way. Simply call the toll-free number on the back of the membership card for a new referral to a participating attorney anytime.
Q. What happens if a member moves to another part of the country?
A. The member should call the toll-free number on the back of the membership card and he/she will be assigned to another network attorney. With a network of thousands of attorneys in all 50 States, Puerto Rico and the U.S. Virgin Islands, members will always have their legal needs taken care of.
Q. What is excluded or not eligible under the plan?
A. Nothing. Since the plan is not an insurance policy, there are no pre-existing conditions, exclusions, waiting periods or usage limitations. All areas of law are eligible for the discounts; including but not limited to, simple traffic offenses to more complicated custody, criminal and civil suits.
Q. What are some of the benefits?
A. As a plan member, the attorney will provide:
Nine free services, such as the preparation of a simple will (along with annual updates), unlimited consultations per new legal matter, review of important legal documents per new legal matter (six page max.) and many others.
Eight deeply discounted services, such as $275 for a simple divorce, $750 for filing Chapter 7 bankruptcy, $250 for a real estate closing, to name just a few.
All extended service and in-court representation is available for $125.00 per hour, or 40% off the usual and customary hourly rate, whichever is greater. This is a tremendous savings over the national average of $210 per hour.
Contingency fees (if any) are at a 10% reduction of the state's maximum rate, or the attorney's usual rate, whichever is lower.
Q. Are family members eligible to receive these services?
A. Yes. This benefit may be used by members, their spouse or domestic partner, dependent children under the age of 25 and any dependent individuals residing in the member's household such as a parent or grandparent.
Q. Why are legal services needed?
A. Attorneys are needed in various cases, including:
If the member is married and/or has children but does not have a will
When buying a home
When contemplating divorce
When dealing with child custody issues
When confronted with overwhelming debt
To review any lease or rental agreement
This is only an outline of benefits. Please see the Legal Care Direct website, www.legalcaredirect.com, for a complete description of benefits.
Deeply Discounted Legal Services
The following are eight (8) commonly used legal services for which plan attorneys have agreed to charge a one-time, deeply discounted fee:
|Legal Service||Average Cost||Legal Club Cost||Savings Percentage|
|Traffic Ticket Defense||$199.00||$89.00||55%|
|Simple Will With Minor's Trust||$530.00||$250.00||53%|
|Chapter 7 Bankruptcy||$1,500.00||$750.00||50%|
|Personal (Non-Commercial Real Estate Closing)||$675.00||$250.00||63%|
Roadside Assistance (FAQ)
Q. How does this benefit work?
A. Just by calling the toll-free number on the membership card, a service vehicle is dispatched to the member’s location. Emergency Roadside Assistance is available throughout the United States and Canada, 24 hours a day, 365 days a year. Members only pay for any costs in excess of the $80.00 per occurrence limit plus any non-covered costs.
Q. Can the vehicle be left unattended where it became disabled and still be serviced?
A. Service providers are not allowed to service an unattended vehicle so it is important that the vehicle remains attended after the call for assistance has been placed.
Q. Can members still be reimbursed if they pay out of pocket at the time of service?
A. Members must contact Emergency Roadside Assistance’s 24-hour, toll-free number to have an authorized network service provider dispatched to their assistance. Assistance obtained through any source other than the Emergency Roadside Assistance provider is not covered and is not reimbursable. In the event that service is not obtainable through the Emergency Roadside Assistance provider, the member will receive an authorization number from the Emergency Roadside Assistance provider and will receive a refund of payments made according to the program benefit and coverage limits for services secured independently.
Q. What exactly is considered a “covered emergency?”
A. The following are covered emergencies, subject to $80.00 per occurrence limitation:
Towing Assistance – When towing is necessary, the covered vehicle will be towed to the closest qualified service facility or to any location requested;
Battery Service – If a battery failure occurs, a jump-start will be applied to start the covered vehicle;
Flat Tire Assistance – Service consists of the removal of the flat tire and its replacement with the spare tire;
Fuel, Oil, Fluid, and Water Delivery Service – An emergency supply of fuel, oil, fluid, and water will be delivered if you are in immediate need. You must pay for the fuel or other fluid when it is delivered;
Lock-out Assistance – If your keys are locked inside of the vehicle, we will provide assistance in gaining entry to the vehicle.
Not available to VT, UT, WA or KS residents