Physician Referral Network

With a network of over 50,000 ancillary medical facilities and over 350,000 physicians nationwide, members can experience  10% to 30% savings on medical services.  Members who have no health insurance can save money on services such as routine office visits by accessing a participating provider.

Participating providers must pass strict credentialing criteria prior to joining the network.  There is no limit to the number of times you can access a participating provider in this program. Since there are no age or medical history restrictions, anyone can use this benefit. The networks provide discounts on health care services at physician's offices. Because the program is not insurance, there are no claim forms, deductibles, or waiting periods. The network is effective and easy to use. To locate providers in their area, members simply call the toll-free number located on their membership card. Members present their card at provider offices and receive immediate savings on services provided.

Hospital Referral Network

The Hospital Referral Network is made up of over 2,000 of the finest medical facilities in the country.  You have the opportunity to save hundreds, even thousands of dollars, on your hospital stay.  Remember, this program isnot insurance and you are responsible for paying the discounted bill in full. Providers have agreed to charge reduced fees for members in exchange for new patients and "secure payment".

Prescription Drug Discounts

Enjoy discounts on virtually all prescription medications. Low prices are available at participating retail pharmacies nationwide, as well as through the Home Delivery Pharmacy Service, which delivers medications right to your door.

Savings can range up to 30 percent at participating pharmacies, and up to 40 percent when ordering prescriptions through the Home Delivery Pharmacy Service. Your actual savings will depend on the medications you're taking and the prices you're currently paying.

Dental Care Plan

As a member of the Dental Care Plan, you may take advantage of 10% to 50% savings on dental care offered through a nationwide network of over 20,000 participating dentists. routine dental services such as cleanings and fillings, as well as specialty care including orthodontics, periodontics and dentures.

Chiropractic and Complementary Alternative Care

As a member, you have access to one of the largest networks of chiropractors and other top qualified complementary alternative medicine practicioners in the United States.

Access to over 34 different disciplines and over 25,000 practitioners nationally who offer one or more of the following services:

• Chiropractic
• Acupuncture
• Herbology / Herbal Medicine
• Massage Therapy / Bodywork
• Nutritional Counseling
• Reflexology
• Relaxation Treatment (including Hypnotherapy)
• Tai Chi / Chi Gong
• Yoga
• And many more!

Members can expect to receive savings up to 30% on chiropractic benefits and complementary alternative medicine services including massage, acupuncture, diet and nutritional counselors, personal trainers and more. 

Hearing Care Plan

We are pleased to provide a hearing care discount plan that makes hearing services affordable.  The Hearing Care Plan is provided by the largest provider of hearing healthcare services and products in North America. 

As a member, you get discounts on hearing care services and products at over 1,600 locations through the U.S.  Your discount hearing services and products include audiology exams, hearing aids and more.

As a Member, you will receive:

• 30% discount for all hearing exams and services
  Up to a 50% discount on hearing aids
• Over 200 models of hearing aids are available to you and include completely-in-the-canal, in-the-ear, and behind-the-ear devices
• Discounts on repairs and batteries
• A 60-day trial period with a 100% money back guarantee
• Follow-up services ar no charge for one year
• Access to over 1600 locations nationwide

24 Hour Nurse's Hotline

Live nurses available to members 365 days a year!

In an effort to assist members in becoming more informed about their healthcare, Lifeguard offers a telephone service that allows members to ask questions and receive information about their health, illness and medications.  This is a proven comprehensive health information program that combines confidential, non-directive health care decision counseling by nurses with credentialed medical information.

Members and their dependents have unlimited access to nurses via a toll-free number 24 hours a day, 365 days a year.  These nurses are specially trained to offer prompt, confidential medical counseling to help members make informed decisions about their health and the medical care they receive.  However, our nurses do not diagnose or provide treatment.

Benefits Include.

Toll-free, confidential availability to registered nurses, 24 hours a day.

Access to a library of audio tapes on over 450 health topics.

Information about self care techniques for common symptoms.

Explanations on what to expect during a medical test.

Help from a registered nurse who can answer questions regarding:

• Diagnostic and surgical procedures
• A recently diagnosed medical condition
• Prescription and over the counter medication information.

This service can help members become more knowledgeable about healthcare services and more comfortable working in partnership with their healthcare providers.

Medifile - Medical Record Storage & Retrieval Plan

Provides instant computerized personal medical information.

Instantly Provides..

Comprehensive medical history and information from one convenient source.

Rapid Access to medical professionals toll-free 24 hours per day, 7 days a week.

Convenient method for transferring medical records.

Information on: medical conditions, allergies, insurance data, treatments, immunizations, medications, physician information, emergency contact information, advance directives and more.

Up to fifteen pages of important health documents can be kept on file for access at anytime.

Invaluable information in the time of emergency!

Personal Medical Records.

Medifile is the personal medical records solution that gives you fast, secure telephone access to your complete medical records, whenever you need them.  Medifile professionally maintains and releases your vital medical information safely and conveniently and only with your authorization.

Medical Emergencies.

In a medical emergency, time is of the essence.  Medifile ensures that your records are made available to healthcare providers within minutes of your call.  Using state-of-the-art technology, Medifile can store and release your confidential health information, including medical conditions, allergies, insurance data, treatments, immunizations, medications, physician information, emergency contact information, advance directives and more.

The Medifile Call Center Specialists areavailable 24 hours a day to safely release member information by fax, or verbally over the phone, to qualified healthcare providers.  The Medifile Call Center can be reached from anywhere in the world.  For members traveling, whether in the United States or not, Medifile can provide the peace of mind that vital information can be accessed no matter where the member is located.

Medifile also provides a convenient way to transfer medical information to new doctors, specialists or your child's school or camp.  Medifile is safe, secure and confidential.  With Medifile, the member determines what information is shared, and with whom.  Medifile has a complete system of security controls, including a personal identification number to ensure that records are released only with the member's authorization.

Travel Assistance Plan

As a member, you have access to a worldwide network of medical and travel assistance personnel whenever you travel.  Travel Assistance and Emergency Medical Evacuation Services are available when you are traveling over 100 miles away from home and you are faced with a serious injury or illness or a travel related emergency.  All medical services are provided based on medical necessity, which is determined by Lifeguard's Program Medical Advisor in collaboration with the eligible member's attending physician.

Assistance Services are available 24 hours a day, 365 days a year, worldwide.

Emergency Medical Evacuation.

In the event a Participant suffers from a Certified Illness or Injury that requires medical transportation of that sick or injured Participant, Lifeguard's Assistance Provider will provide medical transportation from the attending Hospital to the nearest appropriate Hospital capable of providing such treatment. Such transportation will be provided upon certification by Lifeguard's Assistance Provider's Program Medical Director, liaising with the attending Physician, that the Participant's severity of Illness or Injury necessitates medical transportation to the nearest appropriate Hospital.

Medically Necessary Repatriation.

In the event Lifeguard's Assistance Provider's Program Medical Director, liaising with the attending Physician, determine it is medically necessary to bring the Participant from the attending Hospital to a Hospital or nursing home nearer his/her permanent residence, subsequent to receiving Emergency Medical Evacuation Services provided under this Agreement, Lifeguard's Assistance Provider will provide flight by common carrier or air ambulance, and ground ambulance, if necessary, by the most direct and economical route.

Transportation of Mortal Remains.

In the event of death of a Participant, caused by a Certified Illness or Injury, Lifeguard's Assistance Provider will arrange to have the Participant's remains returned to a location nearest the Participant's Permanent Residence, including but not limited to, preparation, transportation and container for transportation. 

Transportation of Escort.

In the event a Participant requires Emergency Medical Evacuation by air ambulance or  Repatriation by commercial airline provided in this Agreement, air transport of the Participant's Spouse or other Family Member or traveling companion will be provided so that person may accompany the Participant in flight, subject to space availability, giving priority to medical equipment and medical personnel aboard and for the welfare and safety of the Participant receiving Services in this Agreement.

Family Visitation.

In the event a Participant, who is traveling alone, is expected to be Hospitalized for more than seven (7) days, round trip economy transportation on a regularly scheduled airline or equivalent will be provided for one Family Member or relative from the commercial airport nearest the Family Member's Permanent Residence to the Hospital where the Participant is confined so that Family Member may attend the Participant during the Hospitalization. 

Minor Child(ren) Return / Escort.

In the event a Participant's Minor Child(ren) are left unattended as a result of a Participant's Emergency Medical Evacuation, being Hospitalized for more than 24 hours due to Illness or Injury, or in the event of  death, one way economy transportation on a regularly scheduled airline, or the equivalent, will be provided to return the Minor Child(ren) to the Participant's Permanent Residence. A qualified attendant will also be provided by Lifeguard's Assistance Provider to accompany the Minor Child(ren) under the age of 16 when necessary. 

Vehicle Return.

In the event a Participant should suffer from a Certified Illness, Injury or death which requires Emergency Medical Evacuation/ Medically Necessary Repatriation or Transportation of Mortal Remains and the Participant is thereby unable to drive his/her vehicle, Lifeguard's Assistance Provider will provide vehicle return service for ground vehicles such as cars, trucks, vans, travel trailers or motor homes, operated by the Participant, to the Participant's Permanent Residence. This benefit will pay the cost, up to $1,000 for fuel, oil, driver and tolls to affect such vehicle return.  The Participant will bear the cost of any repair due to mechanical breakdown en route, as well as, costs for food and accommodations during the trip. The vehicle must be in a condition capable of being safely operated on the highway.

24 Hour Information Service.

Should the Participant need information before and/or during travel he/she may call Lifeguard's Assistance Provider 24 hours a day to obtain help.  The multilingual staff is prepared to assist and coordinate the management of a wide variety of travel related situations. Services include but are not limited to information on required documents, immunization requirements,  State Department Travel Advisory warnings on travel to certain locations, weather and hazard information about foreign locations, suggested medical exams or treatment before departure and medical care enroute.

Medical Monitoring.

Should the Participant need to be medically monitored, Lifeguard's Assistance Provider's duty Physician will monitor the case while liaising with the Participant, the local attending Physician, the family Physician and the medical director of Lifeguard's Assistance Provider.

Medical Referral.

Should the Participant need help locating a Physician or Hospital, Lifeguard's Assistance Provider will provide referrals to a local pre-qualified Physician and/or Hospital.

Guarantee of Medical Expenses.

Should the Participant need help for overseas medical payments, Lifeguard's Assistance Provider will arrange for payment or guarantee of payment to medical providers.

Insurance Coordination.

Should the Participant need help for overseas medical claims, Lifeguard's Assistance Provider will assist him/her in coordinating the claims procedure with the Participant's insurance program.

Lost Document Service.

Should the Participant need help to replace lost or stolen travel documents (i.e. passport, baggage, tickets, credit cards, etc.); Lifeguard's Assistance Provider will advise and assist where possible regarding their replacement.

Legal Assistance.

Should the Participant need help arranging local attorneys, embassies and consulates, arranging bail, or coordination of payment for legal Services, Lifeguard's Assistance Provider will provide referrals and payments, from available resources of the Participant.

Emergency Delivery of Prescription Items.

Should the Participant need prescription medication or lenses not available locally, Lifeguard's Assistance Provider will organize the delivery of the prescribed item to the Participant upon written authorization from the prescribing Physician when possible and legally permissible.

Emergency Cash Transfers and Advances.

Should the Participant need cash as a result of  loss or theft, Lifeguard's Assistance Provider will arrange for emergency cash transfers and advances through additional sources, including hotels, banks, Consulates and Western Union, up to a limit of $500 per transaction.  All transactions are subject to any government regulation and to the availability of the Participant's confirmed personal credit.

Language Assistance.

Should the Participant need help communicating in a foreign country, Lifeguard's Assistance Provider will provide telephone interpretation.

Roadside Assistance Plan

As a member, emergency road service is available 24 hours a day anywhere in the United States and Canada.  Whether you have a flat tire, a dead battery, or lock your keys inside the vehicle, assistance is just a phone call away.  Membership covers you, your spouse and any legal dependants 23 years old or younger.  

Services.

The Emergency Road Services  are limited to one service call per disablement for a service provided by a commercial garage, locksmith, or werecker service to:

• Tow the vehicle
• Change a tire
• Boost the vehicle battery
• Unlock the vehicle
• Replace a lost vehicle key
• Free the stuck vehicle
• Deliver gasoline to the vehicle
• Deliver parts for the vehicle to the disablement site
• Install parts on the vehicle at the disablement site