You can always call and ask the nurse anything you would like. You can also request to be transferred into our recorded audio library of 1,200 health topics. The topics range from allergies to fitness to women's health. The nurse who answers the phone will provide you with the appropriate topic numbers and then connect you to the library.

The 24–Hour Nurse Hotline benefit may be used by you, your spouse and your children.

Our Registered Nurses provide you with the best health information available. They use the medical protocols of Dr. Barton Schmitt and Dr. David Thompson that have given reliable medical guidance to millions of Americans, in addition to their own extensive nursing experience. The nurse advice line is accredited by the American Accreditation HealthCare Commission (URAC).

Registered Nurses are available around the clock to assist you with making healthcare decisions. If you have an urgent (but non–emergency) medical situation and need professional advice, simply call. The nurse will speak with you about your symptoms and direct you to the appropriate treatment. No question is too minor, no concern is too small.

When you call the Mail Order Pharmacy to get a price quote, be sure to tell the representative where you found it for less. If the quotation you are given does not beat the price you are currently paying by at least $5.00, the operator will verify the price being charged at your local pharmacy and beat it by $5.00. This outstanding price guarantee is effective for all brand or generic drugs priced over $10.00. *The $5.00 guaranteed savings cannot be used in conjunction with other discount or insurance cards. Payment must be made at the time of service in order to receive a discount.

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.

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.

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 60% 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. In order to guarantee members a savings, we established a mail order pharmacy program which absolutely, positively guarantees to beat any price quoted elsewhere by a minimum of $5.00 with no dispensing or postage fees added provided the brand or generic price exceeds $10.00.

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. However, as a general rule, you can expect that 80% to 90% of your required, acute care prescription needs will be discounted below the stores usual retail price. The PBM network pharmacies have agreed to sell prescription drugs at the contract price, or their "usual retail price" whichever is lower.

Prices will always vary on prescription drugs and therefore it is impossible to estimate specific dollar savings through any non-insured drug program. Your membership offers two avenues for drug purchases: The Neighborhood Pharmacy program offers 10% to 60% discounts on acute care medications and the Mail Order Pharmacy guarantees an average of 10% off AARP's prices. Should you receive a quote anywhere else for less than our mail order pharmacy, we will beat it by a minimum of $5.00 on brand name and generic medications priced at $10.00 or more with no postage or dispensing fees added. Savings can not be used in conjunction with other discount or insurance cards.

Travel Assistance assists with a member's case until they have returned home or have received final treatment.

In evaluating the local facilities, Travel Assistance considers such factors as the quality of the blood supply, medical technology and specialties available, use of sterile equipment and the patient's medical requirements. If facilities are inadequate, the Travel Assistance Regional Medical Advisor will report on the safety of such and evacuation, any medical needs the patient may require en route and the evacuation plan details. Travel Assistance will consult with all parties involved and fully manage the issues surrounding the evacuation.

Travel Assistance will coordinate all billing and insurance verifications, including settling any guarantees of payment. This ensures that there is no delay or denial of medical treatment because a member is unable to make the up-front payment or because a member's insurance is not recognized.

It is important that Travel Assistance is notified as soon as possible. Travel Assistance will then monitor the member's care and work through the complex details of foreign hospitalizations. Travel Assistance will immediately speak with the treating doctor to assess the member's condition, treatment plans and whether or not an evacuation is necessary. Travel Assistance will update the member's family, employer and personal physician as appropriate. In addition, Travel Assistance will coordinate all insurance verifications and admission details.

In order to reap the full benefits of our service, we strongly recommend that members contact Travel Assistance before entering hospitals so that we can refer them to facilities that we have previously worked with. Travel Assistance refers its members to the best providers in the area. If our members go to other providers, Travel Assistance cannot be certain of the level of treatment. However, Travel Assistance will provide the same assistance services regardless of where the members are treated.

Travel Assistance has a global network of over 40,000 international providers. The network contains hospitals, clinics and physicians, as well as other providers geared uniquely to the travel assistance industry, such as air ambulances, house call physicians and medical escorts. Travel Assistance members are provided referrals based on the medical specialty needed, location, language, office hours, training, etc.

Travel Assistance manages approximately 30,000 cases per year in virtually every country of the world; of which, approximately one half are emergency medical cases.

No. Travel Assistance services extend worldwide; however it is not available to CT, OR, FL & WA residents.

Travel Assistance is available 24 hours a day, every day of the year. Many times people are under the impression that the services are used only in serious cases.

Members simply call a toll-free phone number to access the Worldwide Travel Assistance Network. If a toll-free number is not available from within a country to which the member is traveling, they can call Travel Assistance collect. The telephone access numbers are printed in the members fulfillment kit and on the membership card.

1. Exclusive new benefits program specifically created for our members. It is not available to the general public!
2. No health questions or physical exams required!
3. Emergency medical and travel assistance. Crucial medical and travel assistance when you’re more than 100 miles away from home.
4. 24-hour, on-call doctor assistance. No more waiting for your doctor to be in to get a diagnosis and treatment.
5. Affordable rates. You can protect your entire family for $99!
6. Prescription discounts. You may save even more than your basic health plan!
7. Family program recommended. Because you never know which one of you will become sick or injured at home or while traveling, we recommend the family program for maximum protection.
8. 100% money-back guarantee. Your satisfaction is guaranteed or your money will be returned.