Our Plans

The Coalesce Group is pleased to offer a wide variety of discount health and lifestyle benefit products at prices that are often well below those available direct from the networks or DMPOs. Here are the highlights of many of our most popular benefit product offerings. A large number of additional benefits are also available; feel free to contact us toll-free at 1-866-433-2057 for further information.

MEMBER MINDER
The key to growing discount medical card business is to get people to utilize the benefits. Statistics show that once a card carrying member uses one or more discount products and saves money, that member is likely to keep the card for many years to come. Towards this end, The Coalesce Group is excited to announce Member Minder, an innovative way to help clients attract and retain new members, employees and customers. Through our relationship with one of the leaders in personalized messaging technology your organization can touch your audience via personalized telephone messages at a fraction of the cost and time compared to direct mail or live phone operators. Member Minder can be customized to your private label and uses real voices to effectively communicate your message. Plus, messages can be delivered during the day, early evening or even weekends, and monthly activity reports are available to assist you in monitoring the program’s success. With the ability to complete over a million calls each day, Member Minder can send messages such as: new member welcome calls and fulfillment shipment notification – “Your membership kit is on its way!”, reminders to utilize the benefits for maximum savings, as well as membership satisfaction surveys. Calls start at $0.25 per completed call. If you would like more information about Member Minder, please contact your Account Representative.

PHYSICIAN/HOSPITAL NETWORK
The Physician/Hospital Network provides discounts on health care services at physicians' offices and hospitals. Save an average of 10% to 30% and more at over 285,000 providers throughout the country, including family physicians, specialists, facilities and hospitals. They also save on cosmetic surgery procedures, including skin resurfacing, acne scars, liposuction, and more.

The program utilizes one of the largest physician networks in the nation. This nationally recognized network "owns" their physician and hospital contracts so it cannot lose providers due to cancellation of a lease agreement. Plus, the network maintains control of physician education and service levels.

TELADOC^TM

TelaDoc is a network of licensed, primary care physicians that provides its members with around-the-clock access to telephone medical consults. TelaDoc physicians evaluate and diagnose most minor medical problems and, when appropriate, prescribe medications. Members can reach a consulting physician from their home, office, hotel room, or on the road – 24/7/365. Accessing medical treatment is easy and affordable. 

When individuals register for membership in TelaDoc, they provide information that builds their own unique portable electronic medical record (EMR), which the consulting physicians utilize during medical consultations. All TelaDoc services maintain patient confidentiality and conform to HIPAA guidelines.

TelaDoc does not prescribe DEA controlled substances.
TelaDoc is not available to visitors or residents of the states of SC and OK.

RETAIL PHARMACY - for acute care (short-term) medications

The neighborhood pharmacy program assures members the lowest price on prescription drugs, saving 10% to 60% on most prescriptions.

It's simple to use. The member simply presents the membership card to the pharmacist with the prescription. The pharmacist calculates the discount and the member pays the discounted price. No other forms required.

• 10% to 60% savings on most medications.
• Over 48,000 national and regional pharmacy chains participate as well as independent pharmacies.

No pharmacy program is complete unless it includes both retail locations where members may fill acute care medications and a mail order program so members may optimize their savings by purchasing maintenance prescriptions in 30 to 90 day supplies to treat ongoing ailments.

MAIL ORDER PHARMACY - for maintenance (long-term) medications

To ensure members always save money on their prescription drugs, a unique mail order program was created to complement the network pharmacy benefit. Since most maintenance medications are purchased in 30 to 90 day supplies, members maximize savings and have the convenience of home delivery (at no additional charge) through Precision RX. Accuracy is assured by requiring every order to pass seven quality checkpoints before shipping. 

• Prices average 10% below AARP mail order pricing
• If the member finds a lower retail price from a local retail pharmacy, the Mail Order Prescription Plan will beat that price by $5.00 on brand name and generic medications priced at $10.00 or more. Not valid in conjunction with other discount or insurance cards.
• Prescriptions are delivered right to your door; no postage or dispensing fees added.
• Unlike competitive programs that restrict available medications to their "approved" list, the Mail Order Prescription Plan is an "open formulary", so doctors may prescribe the most effective medication to treat the member's ailment or condition.

*The $5.00 guaranteed savings cannot be used in conjunction with other discount or insurance cards.

MEDICAL HEALTH ADVISOR
Medical Health Advisor helps members more easily navigate the complexities of the healthcare and insurance systems. Members can call a toll-free number and talk to their own Personal Health Advocate who helps work with them to resolve issues and problems that they encounter.    

Highlights

One call to Medical Health Advisor and we’ll help members:

• Navigate the healthcare and insurance systems
• Find the best doctors, hospitals and other providers
• Resolve insurance claims and billing issues
• Save time and money on healthcare bills
• Locate and research current treatments for a medical condition
• Obtain unbiased health information to help members make an informed medical decision
• Schedule appointments with hard to reach specialists
• Secure second opinions to provide peace of mind
• Identify renowned “best in class” medical institutions regarding a serious illness or injury

DENTAL NETWORK
We ensure a positive experience for members by reducing confusion with provider recognition and participation. The member will want to utilize their card and enjoy the savings time and time again.  

• Members save 15 percent to 50 percent* on everything from general dentistry and cleanings to root canals, crowns and orthodontia.

• Over 66,000 ^** available dental practice locations nationwide.

• Save on routine dental services such as x-rays and fillings.

• Save on specialty care such as orthodontics and periodontics where available.

• Dentists are credentialed and re-credentialed on an ongoing basis.

*Anticipated national average dental charges for the 2006 calendar year based on the comparison of provider negotiated fees to national average charges. Actual costs and savings vary by provider and geographical area.

** According to the Aetna Enterprise Provider Database as of March 1, 2006.

VISION CARE NETWORK
The Vision Plan has contracted with over 12,000 eye care locations nationwide. Members save on eyeglasses, contacts, eye exams and surgical procedures.

The CTC provider network is the most comprehensive in the U.S. and includes ophthalmologists, optometrists, independent optical centers and national chain locations such as Pearle Vision, JCPenney Optical, Sears Optical, Target Optical, LensCrafters, and EyeMasters.

• Savings of 20% to 60% on prescription eyewear
• Also, save 10% to 20% on contact lenses (excluding disposables) at participating retail locations.
• Savings of 10% to 30% on eye exams, and surgical procedures (including PRK and LASIK surgery)
• Most frames, lenses and specialty items such as tints, coatings and UV protection are available
• No limit on the number of times membership may be used during the year 
• Two guarantees - 30 day unconditional money-back satisfaction guarantee and low price guarantee on eyeglasses
• Members may nominate their own eye care professional to join the network

HEARING NETWORKS
Enjoy access to a variety of hearing programs providing hearing aid discounts of 15% in retail locations nationwide and discounts of 40% to 60% through the mail order program.

Beltone

• Free hearing screening
• Belcare™ and Lifetime Care™ program
• 1,300 provider locations across the U.S., made up of a cross section of audiologists, hearing specialists and professionals
• Beltone has the highest brand name recognition on the market
• Your hearing aids can be cleaned, inspected and adjusted at any Beltone office across the country

Mail Order Hearing Aids

• Save 40% to 60% off average National Retail Pricing on over 100 models of name brand hearing instruments.
• 45 day home trial period.
• Receive the lowest price available.  If you find the same make and model for a better price within 30 days of purchase, you will be refunded the difference.

45-day home trial period and one full year factory warranty

Any make/model hearing aid less than five years old may be repaired with a six month warranty for just $90.00 or with a 12-month warranty for just $115.00 (digital or analog programmable aids are slightly more, depending upon model).

ClearSounds

• ClearSounds offers a complete line of products designed specifically for people who are experiencing hearing and/or vision loss including, amplified corded and cordless telephones, large display alarm clocks, portable telephone amplifiers, amplified telephone ring signaler personal communication systems and a TV listening system.
• Members receive a 25% discount on over 17 products.
• All products include full warranty support, a 30-day money back guarantee and toll-free tech support.

CHIROPRACTIC MEDICINE NETWORK   
Members save 30% to 50% at over 3,000 participating Doctors of Chiropractic nationwide.

• Free initial consultation
• 50% savings on diagnostic services
• 50% savings on x-rays performed on-site (if necessary)
• 30% savings on treatment and other services Unlimited access to care with no limits on the number of visits
• 3,000 + providers nationwide
• Each chiropractor's licensure and insurance are carefully verified before being accepted into the network
• Items such as vitamins and durable goods are priced at the doctor's discretion

MEDICAL SUPPLIES SERVICE
Medical Supplies Service has been designed to offer members a convenient solution for ordering medical supplies and equipment. Through Medical Supplies Service, members may receive a discount up to 50% off the average retail price on Walkers, Power Mobility Scooters, Hospital Beds, Blood Pressure Devices, and much more…. Simply order online or call the toll-free number to speak with a Medical Supplies representative. 

Some examples of Medical supplies and equipment:

Ambulatory Aids                                                                     
Walkers, Canes, Crutches                                                       

Bathroom Safety                                                                   
Shower Chairs, Transfer Benches,                                            
Commodes, Raised Toilet Seats,                                               
Safety Bars                                                                                 

Wheelchairs and Scooters                                                       
Wheelchair Accessories, Power                                                      
Mobility Scooters

Hospital Beds & Accessories
Electric Beds, Slings, Trapezes

Cushioning & Pressure Relief
Pads, Cushions, Lumbar Supports

Orthopedic Products
Knee Braces, Arm Slings,
Back Supports, Carpal Tunnel Supports 

NURSE HOTLINE
Good health starts with asking questions and knowing where to go for the answers. Nurse Hotline offers toll-free access to experienced registered nurses, 24 hours a day, 365 days per year. Our hotline nurses are an immediate, reliable and caring source of health information, education and support. Our nurses provide information based on physician-approved guidelines, including:

• General information on all types of health concerns
• Answers about medication usage and interaction
• Information on non-medical support groups
• Translation services for non-English speaking callers
• TTY/TTD access for the hearing impaired
• Computerized record keeping system
• Full time medical director on staff

Better-informed, healthier individuals are the key to reducing healthcare costs. Nurse Hotline gives you necessary information to help with health care. In addition to preventing unnecessary emergency room visits, you receive quick, sound medical information from trained RN's.

DOCTORS ONLINE
Doctors Online, a confidential web-based preventive medicine oriented program, provides members direct access to licensed, board certified physicians through email. These physicians provide personal advice, suggest treatment alternatives, use links to websites, provide patient information from other sources or assist members with questions about other specialists. Responses are given within 24 hours, with most arriving within 4 hours.

Highlights:

• Confidential, online, personal interaction with licensed, board-certified physicians
• Information about illnesses or symptoms
• Assessment of acute symptoms and overall healthcare
• Provision of a personalized healthcare plan
• Guidance on treatment for minor illnesses (i.e. pink eye, poison ivy)
• Links to other healthcare resources
• Nutritional and fitness advice

LONG TERM ELDER CARE
Our Long-Term/Elder care program is designed to provide assistance and support to members dealing with the aging of their parents and family members.   Our trained and experienced elder care specialists help you and your family understand the issues related to caring for an older person and assist you in making the right choices for your family.  Speak with a trained specialist 24/7 about:

• Understanding the emotional and financial challenges of caring for an elderly person
• How in-home services provided by a professional geriatric care manager can ease the care giving burden
• Locating an appropriate home health agency, assisted living facility or nursing home at the best rates

Highlights of the program include:

• Elder Care Information and Referral Care Management Associates are available 24/7 to provide assistance with elder care concerns, answer long-term care questions and help locate local assistance.
• Discount home healthcare and long-term network members can save 4% to 30% at approximately 5,500 providers when seeking home health agency or assisted living facilities.
• Access to a comprehensive elder care website that offers features such as skill sheets, condition research, caregiver advice, two minute test, care giver tools, resource finder and member reports.
• Discounted fee for geriatric care management services. Approximately 3,500 nurses and social workers provide telephonic and in-home evaluations (for an additional hourly or package fee) for all levels of care from basic to comprehensive. Members receive a 15% discount on retail rates.

MEDICAL TRAVEL ASSISTANCE
Members have access to a global network of practicing physicians, travel assistance personnel and emergency evacuation benefits when traveling 100 miles from home and suffering a serious injury or illness. Knowing help is merely a phone call away provides members with peace of mind.

Some of these services include:

• Emergency medical evacuation
• Repatriation of mortal remains
• Transportation to join a hospitalized family member
• Return of dependent children
• Pre-travel information 
• Monitoring of treatment worldwide
• Medical and dental referrals
• Facilitation of hospital payment
• Transfer of insurance information to medical providers
• Replacement of lost or stolen travel documents
• Legal referrals
• Medication, vaccine and blood transfers
• Transfer of funds
• Translation services
• Real-time security intelligence

MEDICAL RECORD STORAGE
The Medical Record Storage program is a personal medical record solution that gives fast, secure access to complete medical records whenever they are needed.  Medical records and vital information are maintained and released safely with a member’s PIN.  Members have peace of mind whether they are across town or across the world. 

In a medical emergency, time is of the essence.  Immediate access to this type of information can SAVE LIVES by helping to avoid life-threatening delays in treatment, medical/surgical complications, allergic reactions and medication errors.  Immediate access to this type of information can also SAVE HEALTH CARE DOLLARS by avoiding the administration of unnecessary or duplicative procedures and tests. Highlights include:

• Confidential service organizes medical documents in one safe, easily accessible place
• 24/7 rapid, secure access to vital information
• Program participation ensures member’s wishes are followed even in emergencies
• Record storage file can include: medical conditions, allergies, insurance data, immunizations, medications, physician information, x-rays, emergency contacts, information on advance directives and more
• Members may make changes to their file at any time
  

Diabetic Care

Liberty Medical Supply is the nation's leading direct-to-consumer Medicare provider of diabetes testing supplies and medications and other diabetes management products. 

• Receive a discount of 15% below retail prices on most diabetic monitoring supplies (glucose meters, lancets, insulin, syringes, etc.)
• Order by phone or internet and have your supplies conveniently delivered to your door.
• Choose from over 200 brand name diabetes testing supplies. 

ALTERNATIVE MEDICINE NETWORK
The integration of alternative medicine into conventional western medicine is quickly revolutionizing the landscape of the American healthcare system.  Patients and providers are increasingly using alternative methods of care that do not rely on invasive procedures or long term use of pharmaceuticals. The Alternative Medicine Network is one of the nation's leading providers of integrative medicine. Our national network of over 16,000 practitioners provides care to millions of members all across the country.  Highlights include:

• 10% to 30% savings on all treatments and services
• Over 16,000 practitioners in the network
• Over 35 different practitioner disciplines
• Services include Acupuncture, Nutritional Counseling, Massage Therapy, and Holistic Medicine as well as popular Exercise and Movement specialties including Yoga, Tai Chi, Pilates and more.

• No limits on the number of visits

COUNSELING NETWORK
Emotional and relationship challenges sometimes seem overwhelming, but personal problems are as treatable as any other health concern if you know where to turn. Our telephone counselors assist with problem resolution and suggest options to help members with personal issues of any size.

Counselors work with a multitude of issues including:

• Depression, anxiety or stress
• Conflicts at work or home
• Reliance on alcohol, drugs, tobacco or food
• Sexual, physical or emotional abuse
• Loss and grief
• Change and transition

Members receive free unlimited telephone counseling services 24 hours a day, 7 days a week. When appropriate, members are referred to local licensed counselors in their own community.

• Free telephone problem-solving services.
• Services are confidential and will not jeopardize employment.
• Counselor qualifications include a master's degree and five years of postgraduate experience.
• Counselors follow up and monitor progress until member is satisfied.
• Members may be referred to a network of approximately 27,000 providers who offer 20% to 35% off the normal billed charges

CONSULTATION SERVICES
"Life happens" in many different ways and Family Consultation Services responds with real solutions. Our comprehensive telephone consultation provides you with research and referral information for child care, elder care and care for people with disabilities. Save countless hours finding a care provider to meet your specific needs and receive a detailed Provider Profile packet and educational materials and guidebooks within 48-72 hours.

Family Consultation Services can help in these types of situations:

• Finding in-home child care for an infant or toddler
• Making transportation arrangements to the doctor for a grandfather who is living by himself in another state
• Understanding what Medicare, Medicaid or private insurance covers for an elderly relative's care and identifying programs that are available at little or no cost
• Finding an after-school program or summer camp for a child in elementary school
• Understanding the costs of various living arrangements if a parent can no longer live at home
• Finding care for a brother with a debilitating disease

IDENTITY THEFT PROTECTION
Identity Theft Protection is on hand 24 hours a day to help protect the members’ good name by providing comprehensive, personalized prevention and recovery services.  Prevention services include a test to help determine vulnerability to identity theft and preparation of a Personal Protection Plan including tips on how to avoid a theft event. If a member does become a victim of identity theft access to a recovery advocate is available to review credit reports, place fraud alerts, advise member of victims rights and provide a checklist of the steps the victim must take to resolve the incident.  Discounts on personal protection services, ranging from secure, locking mailboxes to personal recovery assistance, are also available.