New Ideas…New Solutions
Introducing

Our mission is to be recognized as the premier marketing organization of the most technologically advanced and affordable discount health benefit program offered to our Nation’s uninsured employees and individuals

• 1 in 4 Americans say health care is the top issue in the nation today
After catastrophic health coverage, disability and long term care, the following benefits are considered most important by Americans according to USA Today
• PRESCRIPTION DRUGS
• ROUTINE MEDICAL TREATMENT
• VISION CARE
• DENTAL CARE
• MENTAL HEALTH

• 42 million people are without health insurance
- U.S. Census Bureau 2002
• U.S. health care spending will reach nearly $3.4 trillion in
2013, consuming close to one-fifth of the nation’s economic output
- Health Affairs 2004
• In 2005, about 177 million Americans are expected to need vision correction
-Jobson Publishing LLC 2003
• The average price of a prescription rose 10% in 2002
- Washington Post 2002

THESE 21 BENEFITS ARE NOT INSURANCE
• EASY TO USE
• NO HEALTH RESTRICTIONS
• USE IMMEDIATELY , UPON RECIEPT
OF CARD
• NO LIMIT ON NUMBER OF VISITS
• NO PAPERWORK

• Save 15% to 55% on short term, acute care medications – antibiotics and pain killers
• Over 51,000 chain and independent pharmacies nationwide – Rite-Aid, Eckerd, K-mart, Kroger and many more

• Guaranteed lowest pricing on maintenance medications
• Prices Average 10% below AARP
• Minimum of $5 off best local retail price quote – brand or generic over $10.00 Guaranteed!
• Open Formulary (includes new and experimental drugs)
• Outstanding quality control
• Home delivery with no postage or dispensing fees
• Toll free number for price quotes and ordering
*The $5.00 guaranteed savings cannot be used in conjunction with other discount or insurance cards .

• 10% to 30 % savings on physician visits at over
285,000 offices nationwide and 10% to 30% savings at thousands of hospitals and out patient facilities
• Network includes family physicians and specialists
(e.g. OB/GYNs, Pediatricians, Cardiologists,
Dermatologists and Cosmetic Surgeons)
• Patient Advocates are ready to assist you in finding a physician or facility in your immediate area
• Blended Program with two of the top PPO networks
(chosen per state)

• 20% to 60% savings on eyewear
• Over 12,500 locations nationwide
• 10% to 30% savings on eye exams
• Most frames, lenses and specialty items are available
• No limit on the number of times membership may be used during the year
• Accepted by Lenscrafters, JCPenney, EyeMasters, Pearle
Vision, Sears, Sterling Optical, Vista EyeCare Inc. and
Wal-Mart

• Two guarantees — 30-day money-back satisfaction guarantee and low price guarantee on eyeglasses
• Independent practitioners, regional chains, department store opticals, and the largest chains in the United States (LensCrafters and Pearle Vision) are providers, giving members the widest variety of choice.
• Members may nominate their own eye care professional to join the network
• Endorsed by the Opticians Association of America & the Texas Ophthamological Association

• 10% to 30% savings on eye exams and surgical procedures
• Nationwide network of Laser Surgery Centers and independent ophthalmologists
• PRK and LASIK

• 15% to 50% savings (with and average of 28%) on most dental procedures
• Orthodontics, Periodontics, & Endodontics
• Over 66,000 dentists nationwide
• No limit on the number of visits

• 30% to 50% savings on diagnostic services and treatments
• Free initial consultation
• 3,000 participating chiropractors nationwide
• No limits on the number of visits

• Up to 30% savings
• Over 16,000 practitioners in the network
• Network consists of acupuncturists, massage therapists, nutritional counselors, meditation, relaxation technique practitioners and several other modalities
• No limits on the number of visits

• Toll-free telephone counseling service and referrals to a nationwide network of professional counselors and resources
• Private, confidential assessment
• For face-to-face counseling, referrals to a network of approximately 27,000 providers who offer 20% to 35% off the normal billed charges

Childcare and Eldercare Referral Line
• Talk to experienced counselors who know the ins and outs of child and elder care services.
• Save countless hours finding a care provider to meet your specific needs
• Receive a personalized referral packet with detailed provider profiles within 48 to 72 hours
• Receive easy-to-read educational materials providing notes and guidebooks covering a broad range of dependant care topics

• Care Management Associates are available 24/7 to provide assistance with elder care concerns, answer long-term care questions and help locate local assistance.
• Members can save from 4% up to 30% at 55,000 providers
• when seeking home health agency or assisted living facilities.
• Comprehensive website that offers features such as skill sheets, condition research, caregiver advice, two minute test, care giver tools, resource finder and member reports.
• 3,500 nurses and social workers provide telephonic and in- home evaluations (for an additional discounted hourly or package fee)

• Toll-free telephone access to experienced registered nurses, 24 hours a day, 365 days per year
• Answers to questions about prescription and over-the-counter medication usage and interaction
• Audio health information library
• Services for non-English speaking callers and the hearing impaired

• Emergency Evacuation/Repatriation
• Family Visitation
(Transport and Accommodations)
• Minor Children Return/Escort
• Vehicle Return up to $1,000
• 24 Hour Telephone Service
•International Medical Referral
•Emergency Legal Assistance
•Insurance Coordination
•Mortal Remains Transport

• Medical Monitoring
• Guarantee of Medical Expenses
• Lost Document Service
• Emergency Delivery of Prescription Items
• Emergency Cash Transfer
• Language Assistance

• 10% off on vitamins and nutritional supplements
• $5.00 off initial order
• Includes Diabetic Supplies- Save 15% on supplies+ Blood Glucose Testing
Supplies ( Liberty Diabetic ).

• Members are assured to be extended the participating health club ’ s “ lowest membership rate, for the type of membership selected ” that is currently being offered.
• Members will receive a one-week introductory trial membership certificate, free of charge. This allows members to try several participating clubs for one week each, giving them the opportunity to truly experience the club and its facilities.
• Currently serving over 37 million members, the
Fitness Advantage benefit is available in all 50 states with over 5,000 participating health clubs.

Beltone Network
• Over 1,300 Beltone locations nationwide
• Save 15% on over 70 models of Beltone hearing devices.
• Free hearing test
Mail Order Service
• Over 80 makes and models
• 10% to 60% savings
• Free 30 day home trial
• Low member prices on factory fresh batteries

• Nine free services which include:
- Unlimited phone consultations for new legal matters
- One-on-one consultations for new legal matters
- Document review (6 pages or less)
Letters written on the member’s behalf
Phone calls made on member’s behalf
- Assistance with governmental programs
- Assistance with small claims court representation
- Free simple will with free annual updates
- Free living will
• Eight commonly used legal services deeply discounted, such as traffic ticket defense, name change, simple divorce, simple trust and more
• Guaranteed $75.00 hourly rate
• 10% discount on all contingency fees

• Added separate benefit after 30 or more consecutive days of membership through
CDAoA, at no additional cost.
• A rated insurance company
• Up to $5,000 per person, per injury for all necessary medical and dental expenses that are a result of an accidental injury
• Covers the entire family
• Accidents covered at home, work, school or play

• A rated insurance company
• Accidental death benefit at $10,000
• Covers each member of the entire family
• Accidental dismemberment pays for loss of limb or sight according to a schedule

– All Age Groups
– Seniors
– Travelers
– Two Parent Families
– Single Parent Families
– Insured People
– Non-insured People
– Large Extended Families

“As a start up company, We are not in a position to incorporate a comprehensive health care plan. In the short time that we have had the health care card It has already proved its value.Two weeks after applying for my card I had a dental emergency. We located a dental provider near our offices. The tooth capped and another one filled.
My card saved me $ 200.” WE Stone, Fresno CA
“I’ve never been so excited in my life.I recently had refractive surgery on both my eyes. My doctors original quote was $3700, I showed my HealthCare card and saved $ 740.” MT Hibbard, Long Beach,CA
“ I was skeptical when my mother purchased your Healthcare Card . Her required 7 prescriptions, include
Glucophage, Avandia, and Fosamax, at a cost of over $350. A month. Now she pays $ 243, a savings of $ 107 a month. This program is amazing ” Viola Weber, Redwood City, CA
“I recently added this program as a benefit for my staff. I had an immediate positive feedback. My receptionist saved $ 780 when she found that her Orthodontist was on the program.” John Maxwell, Reno, Nv

“ Several months ago I applied for your Healthcare Card with some skepticism, since many of the offers of savings advertised today rarely work out for the buyers. However, I am now convinced of its incredible value after only having the card for a couple of months. Within the last few weeks, I have actually saved $ 140, and that was using just one of my many benefits. I saved $ 80 on contact lenses for my daughter and $ 60 on eyeglasses for myself. I am amazed at the true value your card offers and will now be offering your card to my entire staff,” Paul Edwards, Banning,CA
“ Since my wife's Chiropractor participates, she doesn’t have to change doctors and saves $ 50 a month on her treatments.” Dan Raples, Palos Verdes Estates, CA
“ A quick note to let you know how pleased I am with the Healthcare Vision Plan. We saved a total of
$ 338 on lenses, frames and eye exams. The best part of the money savings, but not to be overlooked was the fact that we were treated pleasantly and our business was appreciated.We look forward to using you plan and the other benefits again.” Jim Spenser, Tucson, AZ
“ I picked out some new flexible frames with progressive bifocals and scratch resistance. My total came to $ 424. When I showed my Healthcare Card, the price was refigured and for the same glasses I paid $ 219….A $ 205 SAVINGS. …Nice benefits,,,,” Norma Maxwell, Glendale, CA