THIS IS NOT INSURANCE
Frequently Asked Questions
- What is the AffordableHealthCare?
- How does the AffordableHealthCare program work?
- How does AffordableHealthCare have access to savings on healthcare benefits?
- Is AffordableHealthCare an insurance program?
- If I am already enrolled in Medicare or an insurance program, can I be enrolled in AffordableHealthCare program?
- How do I get the AffordableHealthCare discounts?
- When do I receive the discount on services and products?
- How much do I pay in co-payments?
- Do I have to fill out any claims or other forms?
- How much will I save?
- How often may I use the benefits?
- Can AffordableHealthCare send me a monthly bill by mail instead of using automated billing service?
- Do AffordableHealthCare cover dental care?
- Does AffordableHealthCare cover vision care?
- How much can I save on prescription drugs?
- Does AffordableHealthCare cover alternative therapies like acupuncture or chiropractic care?
- Who can apply to one of the AffordableHealthCare plans?
- Are there any limitations on pre-existing health conditions?
- Are there any age restrictions on the AffordableHealthCare benefit program?
- Does my family receive the same benefits, or do they have to purchase a plan too?
- How long will it take to receive my AffordableHealthCare card?
- Can I obtain savings without having my membership card present?
- I have lost my membership identification card. How do I request a new one?
- May I order an extra AffordableHealthCare card for my spouse or child?
- Can groups, companies or associations sign-up for AffordableHealthCare plans?
- Why would AffordableHealthCare benefit my company/association/group?
- How many providers participate in the AffordableHealthCare network?
- How are providers chosen for the AffordableHealthCare network?
- Why would a provider participate in the AffordableHealthCare program?
- Are discounts the same with every provider in the AffordableHealthCare network?
- How do I locate a list of providers in my area?
- Is my provider in the AffordableHealthCare network of providers?
- I went to a listed provider and they would not accept my card. What do I do?
- Can I choose my own providers?
- Can I nominate one of my providers for the AffordableHealthCare network?
- Is there a limit to the amount of times I may visit a provider?
- Can I still use the plan if I am traveling or moving to a new area?
- I have recently moved. How do I update my address?
- How do I enroll if I don't want to sign up with AffordableHealthCare over the Internet?
- What if I am dissatisfied with the AffordableHealthCare plan?
- Can I cancel my enrollment in the plan at any time?
Q: What is the AffordableHealthCare?
AD: AffordableHealthCare is a discount health benefit program, designed to meet the needs of those individuals who are either uninsured or under-insured. This non-insurance discount health benefit program helps members save money, whether they are an individual or a family, or an employer group or association. Health benefits include Dental, Vision , Medical (Galaxy and Beechstreet Physician Network), Hospital (Galaxy and Beechstreet Hospitals), Pharmacy , Chiropractic Alternative Medicine, Nurse Hotline, Counseling, Hearing, VIP Health & Wellness , Ask Anything.
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Q: How does the AffordableHealthCare program work?
AD: There is nothing simpler than AffordableHealthCare plan. Once you enroll, you will receive a Membership Kit within 10 to 14 business days after the initial enrollment date. The packet will include a Membership Kit, a list of your our local Health Service Providers, and Membership Cards for you and your family members. You can start using your cards immediately. At the time of your office visit to one of the enlisted providers, just present your membership card and your savings will be instantly deducted from your bill. There are no claim forms to fill out, just instant savings on your entire healthcare needs.
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Q: How does AffordableHealthCare have access to savings on healthcare benefits?
AD: AffordableHealthCare obtains discounts for groups of consumers on provider services. We negotiate discounts for our members with the health care providers, thus reducing your costs.
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Q: Is AffordableHealthCare an insurance program?
AD: AffordableHealthCare is not an insurance program. AffordableHealthCare is a health benefit provider that offers significant discounts on health and medical services to its members. There are absolutely no selection criteria. Enrollment does not require medical histories, physicals, underwriting, waiting periods, or usage limits. Membership also includes immediate family members (legal dependants) at no cost.
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Q: If I am already enrolled in Medicare or an insurance program, can I be enrolled in AffordableHealthCare program?
AD: Typical insurance or Medicare often does not cover certain services such as dental, pharmacy and vision. AffordableHealthCare can be and is often used in addition to Medicare or other insurance programs, providing benefits that are excluded from the packages. As we do not impose any restrictions for age or pre-existing medical conditions, this plan can be used by anyone who would like to save money on their health related costs.
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Q: How do I get the AffordableHealthCare discounts?
AD: After you have received your AffordableHealthCare membership card, simply present it to the participating provider. Your card identifies you as a network member, and you automatically receive the discounts that have been negotiated for you.
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Q: When do I receive the discount on services and products?
AD: AffordableHealthCare program provides an immediate reimbursement on services and products. The discount will be immediately applied to your bill. You never need to fill out any additional forms or wait for reimbursement.
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Q: How much do I pay in co-payments?
AD: There are no co-payments since AffordableHealthCare program is not an insurance plan. You receive the savings benefits from the health care provider at the time of service.
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Q: Do I have to fill out any claims or other forms?
AD: Absolutely not. There are absolutely no claim forms to fill out or other paperwork to file. Most participating health care providers will immediately give you your discount at the time of service.
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Q: How much will I save?
AD: The savings received by our members depend on the type of service, providers selected, type of products or/and geographical area. There is no predetermined discount. Your discounts will range within the numbers mentioned in your Membership Kit as well as on the page “Benefits” of this website.
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Q: How often may I use the benefits?
AD: You may use any of your benefits as often as you need.
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Q: Can AffordableHealthCare send me a monthly bill by mail instead of using automated billing service?
AD: In order to provide an affordable quality service, AffordableHealthCare attempts to decrease its cost in providing you a service. That is why, we have eliminated the expense of direct billing and we provide our members with an automated billing service.
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Q: Do AffordableHealthCare cover dental care?
AD: Yes. AffordableHealthCare program covers routine dental care such as general dental examinations, cleaning and fillings as well as specialty care such as orthodontics and periodontics where available. Members generally save on average of 28% to 50% on dental services in more than 53,000 dental practice locations. There are no restrictions on how often you visit your dental care provider.
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Q: Does AffordableHealthCare cover vision care?
AD: Yes, members save on eyeglasses, contacts, non-prescription sunglasses, eye exams and surgical procedures. Our network provider, The Coast to Coast (CTC) Vision Plan encompasses more than 12,500 eye care locations nationwide. These include ophthalmologists, optometrists, independent optical centers and national chain locations such as Pearle Vision, JCPenney Optical, Sears Optical, Target Optical, LensCrafters, and Eyemasters.
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Q: How much can I save on prescription drugs?
AD: For long term prescriptions, members can benefit from maximum savings by ordering form our Canadian mail order pharmacy. AffordableDrugs allows members to save from 35% to 80% on more than 2000 brand name and generic medications. A team of physicians and pharmacists fill out your prescriptions in the safest and most efficient way. The medications are delivered at your doorstep within only 14 days. Customer care center can be reached at 1 800 887 6890.
Members can also save 10% to 50% in their neighborhood pharmacy, on most short term, acute, care prescriptions such as antibiotics and painkillers. The program includes over 40,000 national and regional pharmacy chains as well as independent pharmacies. It's simple to use. The member 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 are required.
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Q: Does AffordableHealthCare cover alternative therapies like acupuncture or chiropractic care?
AD: Yes, AffordableHealthCare provides its members with alternative medicine as well as chiropractic services. The program works together with The Alternative Medicine Network - one of the largest providers of integrative medicine that includes more than 10,000 practitioners. The Network consists of acupuncturists, massage therapists, nutritional counselors, holistic physicians, reflexology, and meditation and relaxation technique practitioners to name a few. Members have access to a wide network of participating doctors of Chiropractic that allows you to save 30% to 50%.
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Q: Who can apply to one of the AffordableHealthCare plans?
AD: Everyone is eligible to receive one of the AffordableHealthCare plans.
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Q: Are there any limitations on pre-existing health conditions?
AD: AffordableHealthCare program uniquely eliminates ALL pre-existing condition limitations regardless of current health status. All members qualify for the plans.
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Q: Are there any age restrictions on the AffordableHealthCare benefit program?
AD: There are no age limitations on the AffordableHealthCare program.
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Q: Does my family receive the same benefits, or do they have to purchase a plan too?
AD: One AffordableHealthCare card provides discounts for all your legal dependants. Once you become a member of AffordableHealthCare, you will receive two membership cards. All your legal dependants may use your card; however, you can order more cards for a nominal fee.
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Q: How long will it take to receive my AffordableHealthCare card?
AD: You should receive your AffordableHealthCare card within 2 weeks of the date you submit the application.
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Q: Can I obtain savings without having my membership card present?
AD: No. Members must receive their membership card first, before starting to benefit from the savings. Health service providers require specific information from the card to be able to process the savings benefits.
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Q: I have lost my membership identification card. How do I request a new one?
AD: Yes, simply call 1 800 721 0314 and one of our Customer Care Experts will immediately send you a replacement card.
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Q: May I order an extra AffordableHealthCare card for my spouse or child?
AD: You may order additional AffordableHealthCare cards, at a nominal price by contacting AffordableHealthCare Customer Service at 1 800 721 0314.
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Q: Can groups, companies or associations sign-up for AffordableHealthCare plans?
AD: Employers, groups and associations can sign up for AffordableHealthCare services.
Contact AffordableHealthCare business development representative for details at 1-800 7210314.
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Q: Why would AffordableHealthCare benefit my company/association/group?
AD: Employee satisfaction and happiness is key to raising the productivity of your team. One of the main ways to attract and retain good employees is to offer a comprehensive health benefit plan, for them and their families. AffordableHealthCare plans can help you do just that. It is a perfect alternative to insurance in obtaining affordable and quality health care for your company’s team.
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Q: How many providers participate in the AffordableHealthCare network?
AD: AffordableHealthCare works with the most qualified and extensive network of health care provider ranging form Coast to Coast Vision, Careington Dental Network of more than 19,000 dentists, Beechstreet and Galaxy Physician and Hospital networks of more than 325,000 physicians. Overall there are more than 400,000 health care providers across the nation.
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Q: How are providers chosen for the AffordableHealthCare network?
AD: Providers are chosen for their long-standing excellence within their field. Each provider has to meet strict credential and licensing criteria. Ongoing professional reviews are conducted.
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Q: Why would a provider participate in the AffordableHealthCare program?
AD: HealthCare providers spend a substantial amount of money on marketing and promoting their services, in order to attract new customers and build their practices. AffordableHealthCare allows them to eliminate these costs, as we offer them an opportunity of a new patient. This is mutually beneficial to the provider as well as the member, as the saved costs will be passed on to the member.
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Q: Are discounts the same with every provider in the AffordableHealthCare network?
AD: No, the discounts will defer according to the service provided, the geographical location, and the service provider. A specific discount has been negotiated with each provider, on each procedure, thus the discounts are already set.
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Q: How do I locate a list of providers in my area?
AD: You may locate your provider at the back of the information kit, sent to you within 2 weeks of application. It will have a list of healthcare providers in your area.
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Q: Is my provider in the AffordableHealthCare network of providers?
AD: You can check in the information kit to see whether your particular provider is listed.
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Q: I went to a listed provider and they would not accept my card. What do I do?
AD: Please call the toll free number at the back of your card, and one of our Customer Care Experts will be happy to contact the provider.
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Q: Can I choose my own providers?
AD: Yes, you may visit any provider as long as he/she is a member of AffordableHealthCare program. If your health care provider is not part of the AffordableHealthCare program, you may invite your provider to participate in the program. Call the toll free number at the back of your card and a Customer Expert will assist you.
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Q: Can I nominate one of my providers for the AffordableHealthCare network?
AD: Yes, you may recommend a provider to the AffordableHealthCare network. Please call a Customer Care Expert at toll free number located at the back of your membership card, and your nominated provider will be contacted.
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Q: Is there a limit to the amount of times I may visit a provider?
AD: Absolutely not. You can visit any number of providers as many times as necessary.
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Q: Can I still use the plan if I am traveling or moving to a new area?
AD: Yes, you may visit any provider across the country, as long as he/she is a member of the AffordableHealthCare program. To have access to a list of participating providers in your new area, call the toll free number at the back of your card, and a Customer Care Expert will assist you. You may also search at www.locateproviders.com
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Q: I have recently moved. How do I update my address?
AD: Just call 1 800 721 0314 to update your membership information. We will send you a provider list for your new location as well as a new Membership Kit.
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Q: How do I enroll if I don't want to sign up with AffordableHealthCare over the Internet?
AD: Call our toll-free number at 1-800- 721 0314 to speak directly to a Customer Care Expert about the AffordableHealthCare plans.
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Q: What if I am dissatisfied with the AffordableHealthCare plan?
AD: We hope that you will be completely satisfied with the AffordableHealthCare benefit plans. But we understand that it is a service that you would first like to try before engaging yourself and your family. That is why we offer you a 30 days free membership trial. Try it, and if by the end of the 30 days, you are not 110% satisfied, call 1 800 721 0314.
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Q: Can I cancel my enrollment in the plan at any time?
AD: Yes, all you have to do is contact a Customer Care Expert at 1 800 721 0314 to cancel your plan at any time. Enrollment in the plan will then expire at the end of the month in which the cancellation occurs.
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