ALL HEALTH BENEFITS 

OPTICAL
Save up to 50% at major retail optical chains including Sears, JC Penney, Pearle, EyeMasters and more. Members can save up to 50% on lenses, frames, tinting, contact lenses, sunglasses and more. 

OPTICAL – PRIVATE NETWORK
Members will receive 30% off eye exams, frames, lenses, tints and contacts. There is also a discount on all RK and Lasik Surgery as well. This network contains more than 10,000 Opticians, Optometrists and Ophthalmologists nationwide. (Providers can be accessed via toll-free number or the web.) 

CONTACT LENSES
Members receive the lowest prices on all contact lenses including daily wear and disposables. Through this service, members can select form all major brands, all prescriptions and color and tint options. Order online or by phone. Lenses are generally shipped within 24-hours. 

DENTAL REFERRAL NETWORK
Save up to 60% off the average published dental charges at more than 20,000 dental offices nationwide. Your family will save on routine dental services such as cleaning, x-rays and fillings as well as specialty care such as orthodontics, periodontics and endodontics, where available. NO claim forms to fill out. NO deductibles or maximums to meet. NO waiting periods for coverage. NO pre-existing condition exclusions.

CHIROPRACTIC REFERRAL NETWORK - UP TO 60% OFF CHIROPRACTIC SERVICES
As more and more Americans seek an alternative to traditional medical care or a supplement to their healthcare with additional forms of treatment, Chiropractic has become America's Treatment of Choice. Today, more people than ever are visiting Chiropractors as a way of treating pain and discomfort. Chiropractic treatment has become a way to "tune-up" in between conventional medical treatments. 

OUR PROGRAM INCLUDES THE FOLLOWING BENEFITS (for you and your immediate family who are on your tax return):
50% off - Initial exam, consultation, and diagnostics
$25 for your spinal adjustments (only)
50% off on any "in-office" x-rays
No limit to the number of times you can visit a Network Chiropractor
Good in 50 states  

NEIGHBORHOOD PHARMACIES - LOWEST PRICES ON PRESCRIPTION DRUGS
With The Retail Pharmacy Program, you can choose from over 50,000 providers nationwide for all their prescription needs. And, lowest prices on all name brand, generic and formulary drugs are guaranteed.

THE PROGRAM OFFERS
Low Prices on Prescription Drugs
Over 50,000 Retail Chain and Independent Participating Pharmacies
No Limited Access for Pre-Existing Condition
Non-Mandatory Generic Drug Dispensing Unless Specified by a Physician
No Prescription Drug Exclusions
New and Refill Prescriptions

MAIL ORDER PHARMACY – SAVE UP TO 77%
The Mail Order Pharmacy is state-of-the-art, geared to provide fast, accurate service for new, transfer and refill prescriptions. Profiles are established in the computer system and faxed prescriptions are accepted directly from physicians. Customer service representatives are always prepared to answer any questions. Plus, pharmacists are also available to talk with you about your medication needs. And, best of all, orders are processed within 48 hours. This is the perfect choice for all your maintenance medications. ---- This Benefit is not available in the State of Florida ----

VITAMINS & HEALTH PRODUCTS - SAVE UP TO 50% ON VITAMINS
Find everything you need from high-quality Vitamins & Supplements, such as Vitamin C and Gingko Biloba, to Health & Wellness products for you and your family, such as diapers, shampoo and makeup. Our Vitamin prices are up to 50% lower than retail prices, and our Health & Wellness products are priced below manufacturer’s suggested prices, so you can afford to shop on line. 

HEALTH TOPICS
Here is your A to Z guide to everything related to health. Explore health tips, fitness, exercise, nutrition, diet and much, much more. Then, dig deeper into specific health problems and discover therapies, treatments, alternative treatments and more. Finally, there are resources to specialized topics of interest and further studies. This can be your family’s one-stop guide to everything health related.

INTERACTIVE HEALTH TUTORIALS
These tutorials provide a wealth of information. This is the ultimate how to of health. Discover treatments and be walked through every step of exercise, nutrition, weight loss, healthy living and more. These online tutorials take you from basic to advanced and hold your hand every step of the way. In addition to the tutorials, there are numerous links and references for more detailed information and exploration.

STRESS MANAGEMENT
Does anyone know someone who does not have stress these days? Of course not. However, did you know that there are simple and effective techniques to identify, recognize and deal with stress? This benefit will help you to recognize the warning signs of stress, discover the causes of your stress and assist you in eliminating stress from your life forever. Why not take our simple Stress Test to see if this applies to you and how you can learn to do away with stress and all it carries with it?

PHARMACEUTICAL DATABASE
Here is your opportunity to look up any prescription drug. Discover the uses of the drug, its side effects and any warning associated with its use. This is invaluable information for anyone taking prescription drugs. The more you know about the drugs you take, the better. This resource also lists the generic substitutes as well as related drugs and other options for the drug you may be taking. This is a one-stop source for all things related to prescription drugs.

MEDICAL ENCYCLOPEDIA
This is a no-nonsense, plain English Encyclopedia of all things medical. Terms, diseases, problems and even common myths are explained in full detail and in plain English for all to understand. Each topic offers links and references and offers FAQs as well as examples to draw upon. As encyclopedias go, this is as comprehensive as the best and as easy to read as Mother Goose.

FITNESS
Our database of fitness covers everything from exercise to diet, to nutrition and more. Discover the resources that are right for you and your family and learn how easy it can be to get in shape. And, while you’re at it, why not set some goals for everyone in your family to get in shape together? This is an invaluable source of information for the motivated and those who want to become motivated. And, even those who like to sit at a desk can discover the exercises that can be done while slaving over a hot keyboard.

DIET INFORMATION (PLANNER)
If it has to do with diets, it's all here. Diet advice, diet reviews, diet types, diet pills, diet aids, and more. If you want a high protein diet, a low sugar diet or even a pineapple diet, this is your source. We've trimmed the fat, beefed up the protein and cut the calories. The rest is up to you.

PERSONAL WORKOUT PLAN
Once you enter a few simple personal details and determine your specific goals, our experts will design a workout plan to suit both your lifestyle and your fitness goals. From basic exercise and diet to daily and weekly schedules, this is a program designed for you and you alone. Then, as you progress, you can alter this program to adjust to the progress you make. This is about as close to having a personal trainer as you can get.  

HOME GYM EQUIPMENT
This section offers the latest in Home Gym and Exercise Equipment. From Free weights, to stair climbers, to treadmills, to multi-gyms, this is your opportunity to buy new and factory-reconditioned equipment at unbeatable discount prices. With this service, there are no more excuses for not finding a way to exercise at home. 

ASK A DOCTOR
How many times have you wanted to ask a doctor a question or two? Then, with the thought of making an appointment, sitting in the waiting room and then paying the bill, the desire for an answer soon leaves. However, you still need the answers. Now, you can ask all the medical questions you like. And, if you need a specialist, we’ll provide them as well. No hassle, no waiting and no charge.

ASK A PHARMACIST
If you have questions about prescription or over the counter medications, this is the place to come. Pharmacists see everyday health problems and are trained to provide answers and guidance. There are times you do not need medical advice but simply need to know which cough medicine is best, or whether or not to use a cold or hot compress when you overdo it at the gym. The Pharmacist can be the best source of simple, effective health information and your best guide to the hundreds of products available.

ASK A CHIROPRACTOR
For those of you who value the adjustments of a Chiropractor, here is your chance to Ask a Chiropractor any question you desire. You can ask about any condition and if the treatment is suitable for chiropractic, or simply enquire as to how Chiropractic can work for you and your family. And, for those with no knowledge of Chiropractic, this is an excellent way to find out what it is and how it works.

ASK A DENTIST
Worried about braces for your children? Dentures for your parents? Or are you curious about those porcelain caps for your own brighter than white smile? Here is the place to ask the dentist all the questions you would like to have answered for you and your family. You can even use this service to discover if you are brushing correctly.

ASK AN OPTOMETRIST
Have an optical concern? Would you like to know the difference between bi-focal and vari-focal? Ask the Optometrist which is right for you. Then, ask about contact lenses, daily wear lenses, extended wear lenses and more. If you have a question relating to vision for you or your family, this is your best source of information.

ASK A THERAPIST
Let’s face it, we all get to the point of wanting to vent a bit of tension and stress. And, when you find the need to talk to someone and ask for some help in dealing with the problems of everyday life, this is the answer. Our Therapists are here to help guide you and answer your questions and address your concerns. They can guide you through exercises and offer suggestions to help you deal with your problems and manage the day-to-day stress you may experience.

ASK A PERSONAL TRAINER
A personal trainer can cost as much as $100 per session and even more to set up a program of exercise and motivation. Now, you can ask our Personal Trainer all the questions you like. Ask how to exercise, why you do certain exercises, how to stay motivated and more. Our trainers are here to ensure you get the answers you need to keep fit. And, yes, you still have to do those darned sit-ups!

ASK A MOTIVATION COACH
It seems to get harder and harder to stay motivated these days. And even the best of us need a little extra help. When you start to lose steam, here is the place to go. Ask the Motivation Coach is designed to get you back on track and stoke the motivation fire within you. With suggestions, exercises and even a polite scolding, this program is guaranteed to help you find that much needed motivation.

ASK A DIETITIAN
If you are wondering which foods are good for you and what supplements to take, then this is the place to come for all your dietary answers. Want to know more about those popular High Protein Diets? Is low fat right for you? Should you eat more green vegetables? These and other important questions are answered every day. Or, pose your own questions and get the specific information you need for you and your family.

ASK A NUTRITIONIST
If it’s true that “You are what you eat,” Then this benefit is just what we all need. Discover how the foods we eat affect us and what might be better for us than we think. Some foods could be slowing us down while the addition of a few selected foods could work wonders for our energy and ability to think. Let our Nutritionists answer your questions and guide you through the maze of foods and their affects. 

GUARANTEED ISSUE HEALTH INSURANCE
Members can receive this Mini-Med program with a guaranteed issue regardless of pre-existing conditions. Coverage includes doctor visits, hospitalization, emergencies, out patient treatment and much more. With three levels of coverage to choose from and flexible terms, this is a must-have benefit for the more than 44 million Americans who currently live without the benefit of health coverage.

HOME HEALTH EQUIPMENT
Members receive 20% off at more than 500 home health equipment locations nationwide. All forms of home medical equipment are covered from hospital beds to exercise and rehabilitation equipment. (Providers can be accessed via toll-free number or the web.) 

24-HOUR NURSE HOTLINE
Members receive access to Registered Nurses 24 hours a day, seven days a week. This service is for all non-911 emergencies and all forms of triage. This hot line is staffed by registered nurses trained in triage and emergency procedures. All programs are reviewed and supervised by trained medical personnel. 

MEDICAL INFORMATION HOTLINE
With more than 2,000 ailments, members can choose from almost any topic. All recordings are updated monthly to include the latest medical information. All information is created and monitored by physicians with specialties in each area. 

HEARING AIDS
Most major brands of hearing aids are available by mail. And, in most cases, cost savings are substantial compared to the retail store prices. Members can take advantage of a 30-day trial period with no obligation whatsoever! If the member is not completely satisfied, a full refund is issued. All Hearing Aids are unconditionally guaranteed. 

MEDICAL PPO SERVICES NETWORK
Members receive up to 25% off and more from more than 350,000 physicians, 6,500 hospitals and more than 10,000 outpatient facilities nationwide. This is a perfect benefit for those without health insurance, or for those who wish to go outside their health insurance coverage. (The most popular use of this service is for cosmetic and elective surgery.) 

WELLNESS & ALTERNATIVE HEALTH NETWORK
Members receive up to 40% from this nationwide network consisting of services such as: Chiropractic, Acupuncture, Message Therapy, Homeopathy, Herbalists and more. This network contains more than 12,000 practitioners. Members discuss their needs with trained wellness counselors who then direct the member to a network provider in their area. 

WORLDWIDE EMERGENCY ASSISTANCE
Members receive a full range of more than 25 emergency assistance services worldwide including such things as: Locating Medical Providers, Medical Evacuation, Emergency Prescription Replacement, Travel Advisories, Currency Exchange Rates, Visa Information, Legal Referral, Advance of Bail, Lost Baggage Assistance, Emergency Ticket Replacement, Translation Service, Emergency Message Service, Advance of Funds and much, much more. 

FITNESS CLUB NETWORK
Members receive the lowest corporate rates at more than 2,500 fitness clubs nationwide. Plus, all Members receive one week’s free membership at the health club of their choice. This network includes most of the major chains throughout the country. (Providers can be accessed via toll-free number or the web.) 

PERSONAL MEDICAL FILE
Members have the opportunity to place their medical history in a secure file. In the event of an emergency, doctors, hospitals and emergency medical professionals will have complete access to all medical records. These files can be accessed 24 hours a day.