LIFELOCK

Identity theft is one of the fastest growing crimes in the nation. LifeLock, the leader in identity theft protection, works proactively to help protect your identity – even if your information falls into the wrong hands. If you become a victim of identity theft while a member of LifeLock due to a failure in their service, they will spend up to $1 million to cover the cost for lawyers, investigators, case manager, but not any direct losses as a result of the theft.

The advanced LifeLock Identity Alert™ system provides you broader identity coverage, greater control, and early notification of both credit and non-credit related identity threats. This robust system alerts you by email, postal mail, and/or phone anytime LifeLock detects your personal information being used to apply for many forms of credit cards, wireless services, retail credit, utilities, check orders/reorders, mortgage loans, auto loans, and non-credit related payday loans. If the application is fraudulent, the remediation team will take action to help protect your good name.

LifeLock requests a copy of your free annual credit report from the three major credit-reporting agencies so you can review them for discrepancies. LifeLock also helps reduce junk mail and removes you from the pre-approved credit offer lists. LifeLock also provides online access to a member portal and direct anytime access to Member Service Representatives.

Highlights

• LifeLock Identity Alert™ System – provides early notification by email, postal mail, and/or phone whenever they detect your personal information being used to apply for many forms of credit or services
• WalletLock™ helps cancel and replace the contents of a lost or stolen wallet
• eRecon™ patrols the web and notifies you of illegal selling or trading of your information
• TrueAddress™ notifies you when a change of address is requested in your name
• Free annual credit reports from the three major credit-reporting agencies
• Fewer pre-approved credit card solicitations
• 24-hour customer service
• $1 million total service guarantee – as a LifeLock member, if you become a victim of identity theft because of a failure in their service, they will help you fix it at their expense, up to $1,000,000

ROADSIDE ASSISTANCE

Roadside Assistance is available 24 hours a day, 365 days a year to assist members when owned or leased vehicles are disabled as a result of unavoidable circumstances. Members will only have to pay for any non-covered expenses or covered costs in excess of the 15 miles per occurrence maximum (up to $80 retail value). Coverage is extended to the member, spouse, and dependent children up to 21 years of age permanently residing at registered address when driving any vehicles that they own or lease for 12 months or longer.

Highlights

• Available 24 hours a day, 365 days a year
• Up to 15 miles towing (up to $80 retail value) per occurrence maximum for covered charges
• Covers Member, spouse and dependent children up to age 21 permanently residing at registered address when driving any vehicles they own or lease (12 months or longer)
• Towing Assistance
• Flat Tire Assistance
• Fuel, Oil, Fluid and Water Delivery Service
• Lock-out Assistance
• Battery Assistance
• Collision Assistance

LEGAL CARE DIRECT

The legal benefit is provided by a nationwide discount legal referral service. Attorneys in our network have an average of 19.4 years of experience.

Highlights

• A nationwide network of thousands of attorneys in all 50 states
• Plan attorneys will either charge $125.00 per hour, or 40% off their usual and customary hourly rate, whichever is greater 
• Nine (9) free services* which include:
  • Unlimited initial phone consultations for new legal matters
  • Initial one-on-One consultations for new legal matters
  • Attorney review of independent legal documents (6 page max.) per new matter
  • When deemed appropriate by plan attorney, attorneys will write letters on member's behalf
  • When deemed appropriate by plan attorney, attorneys will make phone calls on member's behalf
  • Assistance in solving problems with government programs such as welfare and INS
  • Attorneys will help members represent themselves in small claims court
  • Free simple will with annual updates
  • A state specific, web-based, free Living Will form is available to members. This form can be taken to and completed by the attorney 

The following are eight (8) commonly used legal services for which plan attorneys have agreed to charge a one-time, deeply discounted fee:

Prices are subject to change without notice and may vary by region.

*In many states, attorney liability may require plan attorneys to obtain a retainer from the member prior to providing some of the free members benefits.

VISION

To locate a provider online, click here.

Coast to Coast Vision™ (CTC) has contracted with over 12,000 eyecare 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, EyeMasters and QualSight LASIK.

Highlights

• 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.
• Save 40% to 50% off the overall national average on LASIK surgery (PRK and CK available at select locations).
• 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.

Vision Benefit is not available to VT residents.

HEARING

To locate a provider online, click here.

Newport - Retail Hearing Aids

DENTAL CARE

To locate a provider online, click here.

This dental network provides members with discounts of 15% to 50%* on dental services at over 92,500** available dental practice locations nationwide in most instances. Members simply present their card bearing the Aetna Dental Access® logo, along with payment in full of the discounted fee, for immediate savings at the time services are rendered. Members will want to utilize their card and enjoy the savings time and time again.

Highlights

• In most instances, members may save 15% to 50%* on services from general dentistry and cleanings to root canals, crowns and orthodontia.
• Over 92,500** dental practice locations.
• Save on routine dental services such as x-rays and fillings.
• Save on specialty care such as orthodontics and periodontics where available.

Dental Benefit is not available to VT residents.
*Actual costs and savings vary by provider, service and geographical area.
** According to the Aetna Enterprise Provider Database as of November 1, 2010.

The discount program provides access to the Aetna Dental Access® network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent, representative or employee of discount program. Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.

PHYSICIAN VISIT / HOSPITAL

To locate a provider online, click here.

The Physician Visit/Hospital Network provides discounts on healthcare services at physicians' offices and hospitals. Save 10% to 40% at over 285,000 providers throughout the country, including family physicians, specialists, alternative care providers, 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 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

Highlights

• Members save 10% to 40% at participating physician offices and hospitals.
• The network allows members to access over 285,000 providers including family physicians, specialists, facilities and hospitals.
• The program utilizes one of the largest physician networks in the nation. Because the network has direct contracts with providers, there is no risk of losing provider access due to cancellation of a lease agreement.
• Since there are no age or health restrictions, anyone can receive savings with the Physician Visit/Hospital Referral Network.

For hospital visits, members MUST pre-register before any procedure(s) are performed (or within 48 hours of emergency room admittance.) A representative will coordinate all of the resources and negotiate with the provider/facility for a contracted savings.

Hospital Benefit is not available in Maryland and Vermont.

Physician Visit Benefit is not available to Vermont residents.

CONSULT A DOCTOR™

Consult A Doctor™ offers 24/7 access to its proprietary nationwide network of U.S. licensed physicians for telephone and secure e-mail medical consultations. Physicians provide specific answers to medical questions and advice regarding non-emergency, routine medical conditions. Physicians discuss symptoms, recommend treatment options, diagnose many common conditions and prescribe medication when appropriate.

You can connect via telephone or e-mail, free of charge, with our network of physicians for informational or diagnostic consultation.

Highlights

• Never wait for an appointment or sit in the doctor's office again
• On-demand healthcare—wherever and whenever you need it
• Access to a physician from anywhere via telephone or e-mail , 24 hours a day, 7 days a week
• Physicians discuss symptoms, recommend treatment options, diagnose many common conditions and prescribe medication when appropriate.
• Save money by avoiding unnecessary doctor’s office or ER visits.
• Physicians are U.S.-based, licensed, board-certified, rigorously credentialed and experienced
• Instant, affordable treatment for all ages—from children to senior citizens
• Powerful online health tools that empower members to lead healthier, more productive lives
• Prescriptions phoned into your local pharmacy for pickup
• HIPAA compliant and confidential
• Store, manage and share your medical records from one central location with the Free Personal Health Record (PHR)

Disclosures

Consult A Doctor™ physicians do not prescribe controlled medications. Consult A Doctor™ is not insurance. Consult A Doctor™ does not replace your primary care physician. Consult A Doctor™ will not prescribe medications for Oklahoma residents.

VITAMINS

Vitacost.com is your one-stop shop for thousands of top brand vitamins, supplements, herbs, organics and natural health care products at up to 80% off retail everyday. Choose from over 400 brands and 12,000 items in stock and enjoy savings of 10% on already low prices. Members can place orders online or toll free by phone. Most orders ship the same day and every order is backed by the exclusive 5-star guarantee.

Highlights

• Toll-free and online shopping with friendly and knowledgeable customer service representatives
• Timely, convenient home delivery of vitamins, supplements, and a wide variety of natural health products All purchases include a 30-day unconditional money-back guarantee
• Choose from brand names you know and trust such as Natures Way, Twinlab , Enzymatic Therapy and Country Life
• All purchases include a 30-day unconditional money-back guarantee

DERMSTORE.com

DermStore.com is the premier online retail destination for skin care brands ranging from spa exclusive brands, physician-strength brands and hard-to-find specialty brands along with expert advice and esthetician recommended regimens.

Highlights

• Save 15% on more than 300 brands and over 12,000 products
• Thousands of product reviews
• Free Shipping on all purchases
• Free 2-Day Shipping on purchases over $100
• Free Samples of popular skin care products with every order
• Auto Refills program allows you to receive your favorite skin care products every 30, 60 or 90 days, plus you get your 5th refill Free!
• 100% Color Guarantee, a 30-day money-back guarantee on your cosmetics if your buy the wrong color/shade
• Skin Resource Center for skin care articles, a skin care ingredient dictionary, expert advice from our dermatologists and estheticians, skin care application tips and videos, interviews from industry experts and much more

TRAVEL RESERVATION

Highlights

• Discounts up to 15% on airfare
• Discounts up to 30% of hotel and car rentals
• Discounts up to 50% on select sailings
• Members receive Exclusive Discount Programs, Free Flight Insurance - $100,000, Visa & Passport Assistance, Personalized Travel Counselors, and more!

How to use the program

• Call the toll-free number located in the membership kit.
• Give the Travel Reservation representative the membership ID and group number located on the membership card.
• Provide the specialist with desired dates, locations, transportation requirements and price range.
• The service representative immediately researches availability on travel destinations and discounts.

*Members should call well in advance to ensure availability.

HOTEL PROGRAM

From a weekend getaway to an extended European vacation, the hotel savings program will save members up to 50%. Participating national chains include Amerihost, Comfort Inn and Suites, Howard Johnson and Best Western.

DINING PROGRAM

Members of the Dining Program are entitled to savings of up to 50% at dining establishments ranging from casual family eateries to fast food establishments and ice cream parlors. The Dining Program is the more affordable way to dine at favorite restaurants.

• Over 20,000 participating restaurants around the country

RECREATION PROGRAM

Members will save up to 50% at a wide variety of activities, including family amusement parks, bowling facilities, laser tag, white-water rafting, museums, arcades, sporting and cultural events, high adventure trips, and much more. With discounts valid throughout the year at destinations worldwide, the opportunities to save with the Recreation Program are limitless.

FITNESS ADVANTAGE

Fitness Advantage offers an opportunity to get a head start on a healthier lifestyle through access to International Fitness Club Network (IFCN), a network of high quality health and fitness clubs at affordable rates.

Highlights

• Members are assured the club's "lowest membership rate for the type of membership selected."
• Members receive a one-week introductory trial membership certificate, free of charge. This allows members to try several participating clubs for one week each, giving the opportunity to truly experience the club and its facilities. (Not to be combined at the same club.)
• Available in all 50 states with over 7,000 participating health clubs worldwide. Some of the largest club chains in the country are members of the IFCN, including Bally Total Fitness, Jazzercise, LA Fitness and Lifetime Fitness.
• Members may access the member service website or call the toll-free number 24 hours a day, 7 days a week to speak with a trained member service representative concerning various club locations and facility information.
• IFCN also offers discounts on fitness equipment from 2^nd Wind Fitness and Bigfitness.
• Health and Fitness Clubs are required to meet the American College of Sports Medicine's health and safety standards.
• Dues are to be paid directly to the club, in accordance to the signed membership contract.

*IFCN is piloting a program in IL, WI, IA and MN where certain clubs, designated as "IFCN Preferred Clubs" offer the option to join these clubs directly through IFCN via the web portal. In these cases, all dues and fees are owed to IFCN.

THEME PARK DISCOUNTS

Many families are taking budget-minded vacations and saving a few extra dollars. Now with the Theme Park discounts, members will save a little more money! All participating amusement and theme parks will discount admission 10% to 20%. Some Parks will also give 10% discount on merchandise purchases and even discounts for nearby hotels, resorts, and campgrounds.

Participating Theme Parks include:

• Adventure Island
• Busch Gardens
• Medieval Times
• Paramount King's Island
• Sea World
• Six Flags
• and many more...

GOLF PROGRAM

This golf discount program is one of the nation's premier golfer's savings programs. The national network consists of over 2,000 exciting courses throughout the U.S., Canada, and many other international destinations. Discounts are also available for golf lessons, driving ranges, and much more.

Highlights

• Over 2,000 courses available nationwide
• Save up to 50% off greens fees
• Save on golf vacation packages to destinations such as Hilton Head, Palm Springs, Myrtle Beach, Scotland, and the Republic of Ireland
• Save on stay-and-play packages at fine golf resorts or sharpen your game while enjoying 2-for-1 discounts at driving ranges

Offer valid once per visit for the cardholder only