Physician Tele-Consult A national network of board certified physicians providing cross coverage consultations 24 hours a day. Physicians use medical records and telephone consultations to diagnose, recommend treatment and write short-term prescriptions, when appropriate.

TelaDoc is a national network of board certified physicians providing cross coverage consultations 24 hours a day, 365 days a year. TelaDoc physicians use electronic health records (EHRs) and telephone consultations to diagnose, recommend treatment and write short-term non-DEA controlled prescriptions, when appropriate. TelaDoc does not replace the existing primary care physician relationship but instead enhances it with an efficient, cost-effective alternative for minor medical problems.

TelaDoc Benefits

• Physicians available anytime, anywhere, 24/7/365
• Speak to a physician in most cases less than 30 minutes, but within 3 hours guaranteed
• Physician reviews and updates health record when performing a medical consultation
• Secure, personal and portable electronic health records

Call TelaDoc:

• When your primary care physician is not available
• After normal hours of operation
• For non-emergent medical care
• When on vacation or a business trip

TelaDoc treats conditions like:

• Sinus Infections
• Respiratory Conditions
• Urinary Tract Infections
• Allergies
• Bronchitis
• Poison Ivy
• Pink Eye
• Cold or Flu

Disclaimers

TelaDoc does not replace the primary care physician. TelaDoc is not available in Oklahoma. TelaDoc is available to members 10 years of age and older. TelaDoc does not guarantee that a prescription will be written and operates subject to state regulations. TelaDoc does not prescribe DEA controlled substances. TelaDoc physicians reserve the right to deny care for potential misuse of services. All rights reserved © TelaDoc, Inc. 2009.

TELADOC™ FAQs

Q: Does TelaDoc™ replace my doctor?
A: No. TelaDoc physicians provide cross coverage consultations. Cross coverage includes providing standard medical assessments, treatments, care and services to patients via the telephone when the primary care physician is unavailable or inaccessible.

Q: How do I request a consultation with a physician?
A: Logon to your account at www.TelaDoc.com and request a consult or simply call 1.800.TelaDoc any time day or night and a representative will request your medical consult.

Q: How quickly may I speak with a TelaDoc physician?
A: Our average call back time is usually under thirty minutes, but all calls are guaranteed within three hours. Note: If a member misses the call from the consulting physician (away from phone), he is returned to the waiting list and his three hour guaranteed time period starts over. After three missed calls, the consult request is cancelled.

Q. What is a Medical History Disclosure (MHD) and electronic health record (EHR)?
A: Your MHD contains information similar to the forms you complete when you visit a physician’s office. Your EHR is a combination of your MHD and your TelaDoc physician consult information. Your EHR is portable and free!

Q. How can I obtain a receipt for my consultation to submit for reimbursement towards my Flexible Spending Account (FSA) or Health Savings Account (HSA) with my company?
A: You can access your account online and print a copy of the insurance claim form (CMS1500).

LIFELOCK - Get identity theft protection backed by a $1 million service guarantee. Reduce credit card offers and junk mail, place fraud alerts on credit reports, and get one annual free credit report from 3 major credit bureaus.

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

LIFELOCK FAQs

Q: How big a problem is Identity theft?
A: According to the FTC, identity theft is the fastest growing crime in America. Roughly 10 million Americans have their personal information stolen and misused in some way every year, costing consumers $5 billion and businesses $48 billion annually.

Q: How do I request a consultation with a physician?
A: If you need to make a change to your account, contact client services at the designated 800 number.

Q: Do I have to give all my credit card numbers to you when I sign up?
A: No, LifeLock does not prevent anyone from using your existing accounts. However, those accounts would be covered through the guarantee. Through the information you provide, LifeLock will place alerts to prevent anybody other than yourself from opening new lines of credit. LifeLock suggests you place all your account numbers in a secure place if your wallet or purse is stolen. In such a case give LifeLock a call and LifeLock can help contacting the credit card companies to cancel the stolen cards and reissue new ones.

Q. Can I obtain my credit score through your service?
A: While receiving one free credit report from each bureau each year is part of the standard LifeLock service, your credit score in not included. By law you are allowed one free credit report a year but you would have to initiate the request through the bureaus yourself in order to obtain an actual credit score. If you wish to obtain additional credit reports those too would also need to be obtained directly from the bureaus.

Q. What happens when I apply for credit?
A: The creditor who is issuing the line of credit will notice that you have a fraud alert placed on your account. The issuing company has an obligation to call you or take special precautions to verify it is you making the request. The issuing company will ask you a series of questions to validate it is you making the request. Once the questions are answered correctly, the line of credit you will receive the credit for which you would normally qualify.

Q. What happens if someone steals my credit card number?
A: The fraud alerts that we place stop someone from opening a new line of credit. If someone gets your credit card number, first report that credit card as stolen. If charges were placed on that card, your credit card company should credit your account for some or all of the charges. Should you need assistance resolving the issue, call us and we'll expedite the process for you.

FINANCIAL HELP LINE - Live, confidential, objective guidance from experienced, accredited financial counselors. 24/7 direct access to financial resource center.

Financial problems plague a significant portion of Americans. From the most basic questions to the more complex, our accredited financial counselors can help. Debt, health care expenses, housing issues, credit card spending, taxes, college funding, retirement planning, are just some of the issues that our members can get help with.

Financial Helpline members have free access to experienced, accredited financial counselors. Our counselors will objectively assist members in assessing situations, discussing options, creating an approach, finding the right resources and information, and help resolve financial questions.

Ask AFS financial help line highlights include, but are not limited to the following:

• Live, confidential, objective guidance from experienced, accredited financial counselors.
• 24/7 Direct access to Financial Resource Center
• Direct access to interactive calculators, educational materials.
• Extensive library of financial information, articles focusing on what to look out for, and other material to help you plan ahead.

FINANCIAL HELPLINE FAQs

Q. How may the Financial Helpline help members?
A. Periodically people need financial guidance and feel they have nowhere to turn; Financial Helpline is here to provide that guidance at no charge whenever the need arises. Financial Helpline helps members:

• Save money - getting specific guidance makes a smarter financial consumer which saves members hundreds, even thousands of dollars.
• Save time - a two minute call often saves hours of time.
• Save effort - access to infinite information leaves most people overwhelmed; using our counselors is the easiest way to find that golden nugget.

Q. What questions may members ask?
A. Members may ask questions covering almost any financial planning topic, everything from household debt and budgeting to retirement planning and saving for children's college education. Here are some questions that members frequently ask:

• "Should I consider an education IRA or a Section 529 plan for college savings?"
• "I'm overwhelmed with debt. What can I do?"
• "We just started a family. How do I figure out how much insurance I need now?"
• "Is it time to refinance my mortgage?"
• "My mother just turned 65. What federal income tax benefits are available to her?"
• "I want to buy a new car. Can you help me understand the financing details?"
• "How does a reverse mortgage work?"
• "We're buying our first house. What type of mortgage should I look for?"
• "Does it make sense to borrow from my 401(k) account to pay off my debts?"

We also have a variety of planning tools members can use for quick calculations, such as a retirement planner, a Roth IRA planner, a college savings calculator, a 401(k) loan analyzer and many others. All are easy to use and easy to understand.

Q. Is there a limit on the number of questions asked?
A. No, members may ask as many questions, as often as they want.

STATISTICS

"Over the past few years, low minimum payback rates of between 2 and 2.5 percent have encouraged Americans to spend, spend, spend -- and to rack up an average credit card debt of close to $10,000 per household."
Bankrate.com, 2005

"Credit card payments more than 30 days late rose to a never before seen high of 4.81 percent for the April through June period reports the American Bankers Association."
Association of Independent Consumer Credit Counseling Agencies, October 2005

"Already, Gen Xers have taken on debt levels that are 78 percent higher than their Boomer parents' debt."
American Demographics, November 2004

"At its current growth rate, the total number of personal bankruptcies filed in the U.S. will eclipse 1 million petitions around mid-August, the earliest that milestone has been achieved in a calendar year."
National Bankruptcy Research Center, August 2003

DENTAL CARE - Save 15% to 50% on general dentistry, x-rays, fillings, and cleanings, plus root canals, crowns, orthodontia and periodontics at over 76,000 locations.

Highlights

• Members save 15% to 50%* on everything from general dentistry and cleanings to root canals, crowns and orthodontia.
• Over 76,000 ** 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.

Before scheduling an appointment, the member will call the number on the back of their card to speak with a Patient Advocacy representative.The representative will contact providers in the network to ensure the dental office understands the Dental Care discount card and is accepting new patients.

The representative will then contact the member to provide several different dental care locations so the member may select the provider that most meets their specific needs and book an appointment.

Dental benefit is not available to VT residents.

*Actual costs and savings vary by provider and geographical area.
** According to the Aetna Enterprise Provider Database as of October 1, 2008.

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.

TEETH WHITENING KITS
FROM BRIGHT AND WHITE, INC.

• Save 75% on professional teeth whitening kits
• Custom-made tray from personal impressions
• No Dental Visits
• Direct to you by Priority Mail
• Bleaching gel is great for sensitive teeth

DENTAL FAQs

Q. How does the dental plan work?
A. Participating dental providers are listed in the membership fulfillment kit; members may also call the toll-free number located on the back of the membership card Monday through Friday, 7 a.m. to 7 p.m. and Saturday, 8 a.m. to 5 p.m. Central Time. When calling to schedule an appointment the member should identify him/herself as a member of the Aetna Dental Access program. To receive the discount the member must present the membership card and pay the total bill at the time of service.

Q. Is there a limit to the number of times the card may be used?
A. No. Members and their families may take advantage of the savings any time throughout the year. Members may also change dentists within the network whenever they choose.

Q. May this discount be combined with dental insurance?
A. In many cases, members may use both. Simply visit a participating dental provider, pay the bill and submit it to the insurance company. The net out-of-pocket cost will be lower because the insurance company should reimburse the member their plan allotted percentage of the reduced bill.

Q. Is there someone that can answer questions about the card and services offered?
A. Yes. Simply call the toll-free number located on the back of the membership card Monday through Friday, between 8 a.m. and 6 p.m. Central and Saturday between 9 a.m. and 1 p.m. Central. A member services representative is standing by to answer any questions.

Q. What if a member's dentist is not a participating provider?
A. Simply call the toll-free number on the membership card and give the member services representative the doctor's name, address, phone number and specialty. We then contact the doctor about becoming a provider.

STATISTICS
According to the National Institute of Dental and Craniofacial Research, about half of all seniors 65 and older have been to the dentist within the past year. 23% of seniors 65 and older have not been to the dentist in the last 5 years. -- February 2009.

Overall, 44% of adults 18 years of age and over last contacted a dentist or other dental health professional within the previous 6 months; 18% more than 6 months ago, but not more than 1 year ago; 13% more than 1 year ago, but not more than 2 years ago; 12% more than 2 years ago, but not more than 5 years ago; and 12% last contacted a dentist or other dental health professional more than 5 years ago. One percent of adults had never contacted a dentist or other dental health professional. – CDC Summary of Health Statistics 2007

The American Association of Orthodontists recommends that all children get a check-up with an orthodontic specialist no later than age 7. -- American Association of Orthodontists, 2008

One in 5 orthodontic patients is an adult, age 18 or older. 63% of adult orthodontic patients are female. -- American Association of Orthodontists, 2008

The majority of orthodontic patients begin treatment between ages 9 and 14. -- American Association of Orthodontists, 2008

63% of adult patients are female. 59% of patients through age 17 are female. This reflects a change from surveys from 1989 forward, which consistently found that 70% of adult patients were female and 60% of patients through age 17 were female. Observation: more males are seeking orthodontic treatment. -- American Association of Orthodontists, 2008

Only 59% of all new patients have dental insurance that includes orthodontic benefits. -- American Association of Orthodontists, 2008

It is estimated that between 50 and 75% of the population could benefit from orthodontic treatment. -- American Association of Orthodontists, 2008

Most orthodontic treatment lasts from 12 to 36 months, with 24 months being average. -- American Association of Orthodontists, 2008

SAVINGS EXAMPLES

Product/Service	Select Regional Average Cost*	Average Cost with Aetna Dental Access®	Total Savings
Adult Cleaning	$96	$56	$40
Child Cleaning	$69	$39	$30
Routine Checkup	$49	$29	$20
Four Bitewing X-rays	$61	$34	$27
Composite (White) Filling	$163	$84	$79
Crown (porcelain fused to noble metal)	$889	$597	$292
Complete Upper Denture	$1207	$800	$407
Molar Root Canal	$1005	$678	$327
Extraction (single tooth)	$157	$75	$82
Updated 2009. *The select regional average fee represents the average fees for the procedures listed above in Los Angeles, Orlando, Chicago and New York City, as displayed in the Estimate the Cost of Care tool as of August 2008.

*Actual costs and savings vary by provider and geographical area.

** According to the Aetna Enterprise Provider Database as of October 1, 2008.

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.

VISION CARE - Save 20% to 60% on eyewear at over 12,000 locations. Save 10% to 30% on eye exams at select locations. Save 40% to 50% on LASIK surgery. Save 10% to 40% on replacement contact lenses through the mail order service.

Coast to Coast (CTC) Vision 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, and EyeMasters.

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.

OPTHAMALOGY AND LASER SURGERY

Savings of 10% to 30% on eye exams and surgical procedures, including LASIK where available. Through QualSight, you may save 40% to 50% off the overall national average on LASIK surgery (PRK and CK available at select locations).

We contract with ophthalmologists (M.D.s) in selected markets across the country to provide you with discounts on eyeglasses, contact lenses, eye exams, and surgical procedures (including PRK and LASIK surgery) where available. If there is not an ophthalmologist in your area, you may give the doctor's name, address, and phone number to our representative and your doctor will be invited to join the program.

In keeping with our tradition of utilizing both chain and independent providers, we contract with national chains of laser surgery centers to provide discounts on refractive laser surgery. In addition, we contract with independent ophthalmologists who also provide discounts on refractive surgery.

MAIL ORDER CONTACTS

Members receive greater savings on contact lenses through our mail order program. Members simply call a toll-free number for price quotes and to place an order. Most orders are received within 7 to 14 days.

Highlights

• Savings of 10% to 40% through the mail order services.
• Most major brands of contact lenses are available, including disposables, torics, bifocals and gas permeable lenses.
• All valid prescriptions are kept on file for reorder purchases.
• No limit on the number of times the membership may be used during the year

VISION CARE MAJOR CHAINS

National Chains: Pearle Vision Sears Optical JCPenney Optical Target Optical LensCrafters Sterling Optical TLC Laser Vision Centers

Regional Chains: American Vision Center Bard Optical Budget Opticals of America Cohen's Optical Clear Vision Laser Centers Doctors Valuvision Doctors Vision Works Duling Optical E.B. Brown Opticians Empire Vision Eye DRX EyeMasters Eyes First Vision Center> For Eyes H. Rubin Hour Eyes Ideal Optical Nationwide Vision Center Site for Sore Eyes Stein's Optical Texas State> Optical Thoma Opticians Uhlemann Optical Valu-Vision Visionworks Vision World

Payment must be made at the time of service in order to receive a discount.

VISION FAQ

Q. What is the vision benefit? Does it include eye exams? Does it include contact lenses?
A. The vision benefit offers 10% to 60% discounts on eyewear and eye care at more than 12,000 optical locations throughout the United States. Providers include national optical chains such as LensCrafters, Pearle Vision, EyeMasters, JCPenney, and Sears as well as regional chains and thousands of independent practitioners. Often many participating locations offer discounts of 10% on eye exams for both eye glasses and contact lenses. Additionally, the ophthalmology portion of the network offers 10% to 30% discounts on eye exams and surgical procedures, including the popular laser surgeries in select markets.
On average, members receive a 20% discount on replacement contact lenses (excluding disposable lenses) at retail locations. Members may elect to use the mail order service to purchase replacement contact lenses (including disposables) at a 10% to 40% discount.

Q. Is Coast To Coast (CTC) discount insurance?
A. No. While an insured plan is available, CTC is a discount eyewear and eye care program. There is no paperwork. The participating retail optical locations will give the discount at the time of the purchase.

Q. Can members use CTC if they already have vision insurance?
A. Yes. In most cases CTC can be utilized to eliminate or reduce the deductible. Once the insurance benefit has been exhausted, members may use their discount to buy additional pairs of glasses or contacts.

Q. Is there a limit on the number of times the benefit can be used?
A. There is no limit on the number of times the member or family member can take advantage of the savings provided by CTC.

Q. Does the CTC discount include family members?
A. It includes the member, their spouse and all legal dependents.

Q. What is included with CTC membership?
A. Prescription glasses and contact lenses are discounted 20% to 60% in most cases. Eye exams and surgery are discounted 10% to 30% where available.

Q. Why does the discount vary from 10% to 60%?
A. Many variables go into the calculation of the discount such as market demographics, location, hours of operation, one-hour service capability and level of retail mark-up.
Example - a chain provider in a major metropolitan mall, open seven days a week, 10 hours a day with an on-site lab, will more than likely have a different mark-up than an independent practitioner in a rural community. However, members will pay almost exactly the same price for the exact same materials regardless of where the purchase is made. Only the percentage of discount off retail may vary.

Q. Can members receive the discount at any optical location?
A. No. Members must go to an optical location that is contracted with Coast to Coast Vision to receive a discount. Our providers include national, regional and local chains as well as thousands of independent professionals.

Q. What is a dispensing fee?
A. The dispensing fee is the amount of money that is added to the provider's wholesale acquisition cost of materials. It is generally the only profit made by the provider on your purchase.

Q. Is the eye exam discounted?
A. Yes, at approximately 4,000 of our 12,000 locations nationwide. Our member service representatives can tell you which locations discount eye exams in your area.

Q. What do I do when I get to the location to get my discount?
A. All you need to do to receive your discount is show the provider your membership card and tell them you are with Coast to Coast Vision. It is very important that you mention Coast to Coast Vision Plan to ensure a discount at the time of purchase.

Q. Do I get the discount if the store is running a sale?
A. The location will not combine our contracted discount with the sale price. However, in most cases, the Coast to Coast price will be better than the sale price.

Q. Do the retail locations mark up the merchandise to give me the discount?
A. No, you receive the discount because CTC brings the buying power of over 10 million members to the optical retailers participating with us.

Q. How do I get my eye doctor or optician on the Coast To Coast network?
A. If you wish to refer your doctor to the Coast to Coast network, just give us their name, address and phone number and we will contact them about becoming a provider. If your practitioner does not wish to join the plan, you can still use him/her for your eye exam. Simply take your prescription to one of our participating providers to receive your discount on glasses or contact lenses.

Q. How can I be guaranteed the greatest savings on contact lenses for me and for my husband?
A. Although members receive a 10% to 20% discount when purchasing replacement contact lenses at participating optical centers, the greatest savings and selection for contact lenses is often offered through the mail order program. Replacement contact lenses are discounted at 10% to 40% below retail.

Q. Can I purchase disposable contact lenses at a discount through a participating optical center?
A. No. Disposable lenses are generally priced as "loss leaders" at the retail stores. However, members can use the mail order contact lens program to receive discounts when ordering disposable lenses.

Q. What if my contact lenses are destroyed while I'm on vacation?
A. Simply call the toll-free number on the back of your membership card. The patient registration keeps your prescription on file until it expires and we can send your replacements overnight to you almost anywhere in the world.

Here's what makes us better...
Our providers include independent practitioners, regional chains, department store opticals, and the largest chains in the United States (LensCrafters and Pearle Vision), giving members the widest variety of choice, 24-hour phone and Internet access for locating a participating retail provider.

30-day Guarantee: If for any reason a member is not satisfied with a purchase at the retail locations or through the mail, the merchandise may be returned within 30 days for exchange or full refund. Additionally, if a member finds a lower price anywhere else on the exact same complete pair of prescription eyeglasses purchased at a participating location within 30 days of purchase, the difference will be cheerfully refunded.

STATISTICS

Approximately 168.5 million U.S. residents use vision correction such as eyeglasses or contact lenses, representing 75% of the country's total adult population. - VisionWatch (Jobson Medical Information LLC and Vision Council of America), June 2006

"More than half of Americans have vision problems or impairments of some sort, and nearly 40 percent fear they can't afford adequate treatment, according to a recent survey commissioned by insurer Aflac." The

"Every seven minutes, someone in America will become blind or visually impaired." American Foundation for the Blind - 2005

"In 1994-95, there were approximately 1.3 million Americans who reported legal blindness. Of these individuals, 80% had some "useful vision". The other 20% had only light perception or less vision. Half of these individuals were totally blind that is, had no light perception." American Foundation for the Blind - 2005

"More than 28 million Americans over age 40 have eye ailments that put them at risk for vision loss and blindness, researchers say, warning that the numbers will surge as the population ages." Arch. Ophthalmol. 122:546-551, 2004 Apr. Roy, M.S., Klein, R., O'Colmain, B.J., Klein, B,E.K., Moss, S.E., Kempen, J.H.

"Up to 25 percent of school-age children may have vision problems that can affect learning, but only 14 percent of children receive a comprehensive eye exam before starting school. Nearly 10 million kids have undetected vision problems." College of Optometrists in Vision Development, August 2004

Central New York Business Journal, 2005

PRICE COMPARISON

Example 1 - New York, NY
Regular Exam (Ophthalmologist)	$150.00
CTC Member pays:	$120.00
Savings:	$30.00
Conventional Lasik:	$5,500.00
CTC Member Pays:	$3,600.00
Savings:	$1,900.00
TOTAL SAVINGS=$1,930.00

 

Example 2 - Dallas, TX
Regular Exam (Ophthalmologist)	$190.00
CTC Member pays:	$133.00
Savings:	$57.00
Frames (Regular)	$89.95
CTC Member Pays:	$54.47
Savings:	$31.48
Progressive / Polycarbonate	$209.00
CTC Member pays:	$156.75
Savings:	$52.25
TOTAL SAVINGS=$140.73

 

Example 3 - Tampa, FL
Extended Exam (Ophthalmologist)	$225.00
CTC Member pays:	$157.50
Savings:	$67.50
Frames (Designer)	$200.00
CTC Member Pays:	$72.72
Savings:	$127.28
Single Vision Lens (Plastic)	$170.00
CTC Member pays:	$110.50
Savings:	$59.50
TOTAL SAVINGS=$254.28

ROADSIDE ASSISTANCE - Get one free service call per disablement on tire change, battery service, lost keys/unlock, gas delivery, collision assistance, parts delivery, and parts installation, plus up to 15 miles towing (up to $80 retail value).

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

ROADSIDE ASSIST FAQs

Q. How does this benefit work?
A. Just by calling the toll-free number on the membership card, a service vehicle is dispatched to the member's location. Emergency Roadside Assistance is available throughout the United States and Canada, 24 hours a day, 365 days a year. Members only pay for any costs in excess of the $80.00 per occurrence limit plus any non-covered costs.

Q. Can the vehicle be left unattended where it became disabled and still be serviced?
A. Service providers are not allowed to service an unattended vehicle so it is important that the vehicle remains attended after the call for assistance has been placed.

Q. Can members still be reimbursed if they pay out of pocket at the time of service?
A. Members must contact Emergency Roadside Assistance's 24-hour, toll-free number to have an authorized network service provider dispatched to their assistance. Assistance obtained through any source other than the Emergency Roadside Assistance provider is not covered and is not reimbursable. In the event that service is not obtainable through the Emergency Roadside Assistance provider, the member will receive an authorization number from the Emergency Roadside Assistance provider and will receive a refund of payments made according to the program benefit and coverage limits for services secured independently.

Q. What exactly is considered a 'covered emergency?'
A. The following are covered emergencies, subject to the $80.00 per occurrence limitation:

• Towing Assistance - When towing is necessary, the covered vehicle will be towed to the closest qualified service facility or to any location requested
• Battery Service - If a battery failure occurs, a jump-start will be applied to start the covered vehicle
• Flat Tire Assistance - Service consists of the removal of the flat tire and its replacement with the spare tire
• Fuel, Oil, Fluid, and Water Delivery Service - An emergency supply of fuel, oil, fluid, and water will be delivered if you are in immediate need. You must pay for the fuel or other fluid when it is delivered
• Lock-out Assistance - If your keys are locked inside of the vehicle, we will provide assistance in gaining entry to the vehicle.

LEGAL SERVICES - Free initial phone consultation on new legal matters, simple wills, document review and more, plus discounted services, such as traffic ticket defense, name change, simple divorce, simple trust and more.

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 over 20,000 attorneys
• Plan attorneys will either charge $125.00 per hour, or when appropriate, give members a 40% discount off their usual and customary hourly rate
• 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 appropriate, network attorneys will write letters on member's behalf
• When appropriate, network attorneys will make phone calls on member's behalf
• Assistance in solving problems with government programs such as welfare and INS
• Assistance with small claims court representation
• Free simple will with annual updates
• Additionally, members have online access through the Legalclub.com website to prepare a free living will (advance healthcare directive)

Capped fees* on eight commonly used legal services, which include:

Traffic Ticket Defense	$ 89.00
Name Change	$ 155.00
Real Estate Closing	$ 250.00
Chapter 7 Bankruptcy	$ 750.00
Simple Divorce	$ 275.00
Simple Will with Trust	$ 250.00
Non-support (spouse/child)	$ 275.00
Regular Incorporation	$ 295.00

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

*Costs and filing fees additional, specific definitions apply.

LEGAL CARE DIRECT FAQ

Q. Can members change attorneys, for whatever reason?
A. Yes, at any time, for whatever reason and as often as needed. Members are not restricted in any way. Simply call the toll-free number on the back of the membership card for a new referral to a participating attorney anytime.

Q. What happens if a member moves to another part of the country?
A. The member should call the toll-free number on the back of the membership card and he/she will be assigned to another network attorney. With a network of 20,000 attorneys in all 50 States, Puerto Rico and the U.S. Virgin Islands, members will always have their legal needs taken care of.

Q. What is excluded or not eligible under the plan?
A. Nothing. Since the plan is not an insurance policy, there are no pre-existing conditions, exclusions, waiting periods or usage limitations. All areas of law are eligible for the discounts; including but not limited to, simple traffic offenses to more complicated custody, criminal and civil suits.

Q. What are some of the benefits?
A. As a plan member, the attorney will provide:

• Eight free services, such as the preparation of a simple will (along with annual updates), unlimited consultation per new legal matter, review of important legal documents per new legal matter (six page max.) and many others.
• Eight deeply discounted services, such as $275 for a simple divorce, $750 for filing Chapter 7 bankruptcy, $250for a real estate closing, to name just a few.
• An extended service and in-court representation is available for $125.00 per hour, or when appropriate, a 40% discount off the usual and customary hourly rate. This is a tremendous savings over the national average of $210 per hour.
• Contingency fees (if any) are at a 10% reduction of the state's maximum rate, or the attorney's usual rate, whichever is lower.

Q. Are family members eligible to receive these services?
A. Yes. This benefit may be used by members, their spouse and all legal dependants residing in the member's household up to the age of 25.

Q. Why are legal services needed?
A. Attorneys are needed in various cases, including:

• If the member is married and/or has children but does not have a will
• When buying a home
• When contemplating divorce
• When dealing with child custody issues
• When confronted with overwhelming debt
• To review any lease or rental agreement

STATISTICS

A survey conducted by the legal web site FindLaw found that only 44.4% of American adults currently have a will; 53.3% said they do not have a will, while 2.2% did not know or had no response.
- FindLaw survey, Most Americans Still Don't Have a Will, August, 2002

Nearly one out of every five Americans faced a legal issue within the last year.
- FindLaw survey, One in Five Americans Faced a Legal Issue in the Past Year, August, 2002

The top five legal issues faced by Americans during the last year are:

• Real Estate (buying/selling, property disputes, landlord-tenant disputes, etc.) at 21%
• Family Law (divorce, child custody, etc.) at 17%
• Estate Planning (wills, trust, settling of estates, etc.) at 12%
• Personal Injury at 11%
• Traffic Violations at 8%

- FindLaw survey, One in Five Americans Faced a Legal Issue in the Past Year, August, 2002

Personal injury, property damage, and wrongful death filings accounted for 77,205 cases in California alone between 2000 and 2001.
- Judicial Court of California, 2002 Court Statistics Report

1,539,111 non-business bankruptcy cases were filed in 2002, accounting for 97.6% of all 2002 bankruptcies.
- Administrative Office of the U.S. Courts, Record Breaking Bankruptcy Filings Reported in Calendar Year 2002, 2/14/2003.

The average hourly rate of attorneys in the state of Texas was $197 in 2000.
- State Bar of Texas Department of Research and Analysis 2001 Hourly Rate Report

SAVINGS EXAMPLES

Service	Average Cost	Legal Club Cost	Savings Percentage
Traffic Ticket Defense	$199.00	$89.00	55%
Name Change	$1,100.00	$155.00	85%
Will with Simple Minor Trust	$530.00	$250.00	53%
Chapter 7 Bankruptcy	$1,500.00	$750.00	50%
Non-Support (Spouse/Child)	$1,490.00	$275.00	82%
Simple Divorce	$1,100.00	$275.00	75%
Corporation (Regular)	$585.00	$295.00	50%
Personal (Non-Commercial Real Estate Closing)	$675.00	$250.00	63%
	National Average	Discounted Rate	Savings Percentage
Hourly Rates	$204.00/hour	$125.00/hour	40%

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

PHARMACY - Save 10% to 60% on most medications. Accepted at over 60,000 retail pharmacies. Guaranteed lowest prices on mail order maintenance medications. Save an average of 10% below AARP prices.

The neighborhood pharmacy program assures members the lowest price on prescription drugs, saving 10% to 60% on most prescriptions.

It's simple to use. The member simply 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 required.

Highlights

• 10% to 60% savings on most medications.
• Over 60,000 national and regional pharmacy chains participate as well as independent pharmacies.
• No pharmacy program is complete unless it includes both retail locations where members may fill acute care medications and a mail order program so members may optimize their savings by purchasing maintenance prescriptions in 90 day supplies to treat ongoing ailments.
• Do not call the pharmacy for price quotes. Prices may change from day to day and they cannot be given over the telephone. Visit www.rxpricequotes.com to look up drug prices by location.

**Pharmacy Discounts are Not Insurance and are Not Intended as a Substitute for Insurance.

The discount is only available at participating pharmacies
To locate a provider online, click here.

MAIL ORDER PHARMACY

To ensure members always save money on their prescription drugs, a unique mail order program was created to complement the network pharmacy benefit. Since most maintenance medications are purchased in 90 day supplies, members maximize savings and have the convenience of home delivery (at no additional charge) through HealthTrans. Accuracy is assured by requiring every order to pass seven quality checkpoints before shipping.

Highlights

• Prices average 10% below AARP mail order pricing
• If the member finds a lower retail price from a local retail pharmacy, the Mail Order Prescription Plan will beat that price by $5.00* on brand name and generic medications priced at $10.00 or more. Not valid in conjunction with other discount or insurance cards.
• Prescriptions are delivered right to your door; no postage or dispensing fees added.
• Unlike competitive programs that restrict available medications to their "approved" list, the Mail Order Prescription Plan is an "open formulary", so doctors may prescribe the most effective medication to treat the member's ailment or condition.

*The $5.00 guaranteed savings cannot be used in conjunction with other discount or insurance cards.

**Pharmacy Discounts are Not Insurance and are Not Intended as a Substitute for Insurance.

PARTICIPATING CHAINS

ACME Markets A & P Arrow Bartell Bi-Lo Bi-Mart Biggs Brookshire Grocery Brookshire Brothers Buehler's Foods CostCo Cubs CVS Dahl's Dillons Discount Drug Mart Dominick's Finer Foods Duane Reade Fagen Pharmacies Family Care Pharmacies Family Drug/Care Plus Fred Meyer Fry's Food & Drug Giant Eagle

Hannaford HEB Hy-Vee K-Mart Kash-n-Karry Kerr Drugs King Kullen King Soopers Kinney Drugs Klingensmith's Kroger Longs Drug Stores Lucky Pharmacy May's Drug Medco Drug Medic Discount Med-X Meijer Marills Drug Navarro Discount Drug Parnida Pathmark Stores Publix Quick Chek Food Stores

Randall's Rite Aid Rinderer's Drug Sav-More Drug Stores Save Mart Schnuck's Market Seaway Foods Shopko Shop N' Save Shoprite Smith's Food/Drug Snyder Drugs Star Markets Super D Target The Great A & P The Pharm Tom Thumb United Drug USA Drugs Von's Walgreens Wal-Mart Weis Markets Winn Dixie

PHARMACY FAQs

Q. What can I expect to save with this membership?
A. 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.

Q. Do I get a discount on every single drug at the neighborhood pharmacy when I use my Membership card?
A. 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.

Q. Why didn't I save any money at the participating local drugstore?
A. 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 76% 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.

Q. What if the Pharmacist doesn't recognize the card's name?
A. 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.

Q. Is this a co-pay insurance card?
A. 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.

Q. I'm a member and called the Mail Order Pharmacy to get a price quote on my maintenance drugs. The price quote was higher than my old pharmacy. What should I do?
A. 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.

**Pharmacy discounts are Not Insurance, and are Not Intended as a Substitute for Insurance.

STATISTICS

"In 1999, doctors prescribed 146 drugs for every 100 visits, compared with 109 drugs per 100 visits in 1985."
- National Institute for Health Care Management, 2002

"The average person had 10.3 prescriptions filled in 2000, compared with 8.3 five years earlier."
- Council of Health Care Economics and Policy, 2002

SAVINGS EXAMPLES

Commonly Known As	Actual Brand Name	Strength/Qty	Avg Retail Price	Discounted Price	Percent Savings
Vicodin	Hydrocodone-APAP	5-500mg/40gty	$17.52	$11.01	37%
HCTZ	Hydrochlorothiazide (HCTZ)	25mg/30qty	$8.51	$6.53	23%
Amoxicillin	Amoxicillin	500mg/21 qty	$14.00	$10.24	27%
Glucophage	Metformin HCL	500mg/60 qty	$23.76	$13.32	44%
Zithromax	Azithromycn	250mg/6 qty	$48.45	$30.36	37%
Xanax	Alprazolam	0.5mg/60 qty	$19.78	$11.49	42%
Bactrim DS	Sulfamethozazole-Trimethprim (SMZ-TMP)	800-160mg/20 qty	$14.08	$11.72	17%
Darvocet	Propoxyphene Napsylate-APAP	100-650mg/45 qty	$23.31	$14.15	39%
Soma	Carisoprodol	350mg/60 qty	$37.80	$17.96	52%
Zestril	Lisinopril	20mg/30 qty	$17.18	$11.49	33%

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

VITAMINS - Save up to 80% on retail vitamins and nutritional supplements. 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.

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

VITAMINS FAQS

Q. What is the Vitamins benefit?
A. The Vitamins program provides members with vitamins and nutritional supplements at 5% off every product. Most major brands of vitamins and nutritional supplements are available through VIP Health. Members can call a toll-free number and request a catalog.

Q. Can members use this benefit in any retail location?
A. No. The vitamin portion of the program is strictly a mail order process.

Q. What are the advantages of using this program as opposed to shopping for vitamins at a local retailer?
A. In addition to receiving $5 off the initial order, members will have the convenience of toll-free ordering and the purchase will be quickly delivered to any location.

Q. Do members need to call each month to request a catalog?
A. No. Once the member has placed a health supplement order, their name will be kept on the mailing list to receive new catalogs periodically for the next two years.

Q. Aside from vitamins, what other products are discounted?
A. In addition to vitamins, members can take advantage of discounts on herbs, minerals, weight loss products, digestive aids and much more.