FAQ

Dental powered by Aetna Dental Access® FAQ

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 discounted bill at the time of service.

Q. Is there a limit to the number of times the card can 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 some cases, members may use both. If your insurance company allows you to submit claims after service, simply visit a participating dental provider, pay the discounted bill and submit the bill and claim to the insurance company. The net out-of-pocket cost will be lower because the insurance company would reimburse the member the percentage of the reduced bill as defined in their insured plan. If your insurance company does not allow the policyholder to submit claims, the discount dental can only be used for services not paid for by the insurance such as cosmetic dentistry or services after your annual maximum has been met.

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 7 a.m. and 7 p.m. Central and Saturday between 8 a.m. and 5 p.m. Central. A member services representative is standing by to answer any questions.

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FAQs

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 20,000 vision providers throughout the United States. Providers include national optical chains such as LensCrafters, Pearle Vision, Visionworks, 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 Vision (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 reduce out of pocket expenses. For example, 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 20,000 vision providers 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 Network 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 Vision network?
A. If you wish to refer your doctor to the CTC 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.

Q. What is LASIK?
A. LASIK (Laser-Assisted In Situ Keratomileusis) is an outpatient treatment that uses an Excimer Laser (cool beam of light) to gently reshape the front surface of the eye (the cornea). Reshaping the cornea redirects the light angle as it enters the eye to refocus correctly on the retina. This allows images to be more sharply focused. Vision recovery is rapid, and there is little or no post-operative pain. With refractive procedures, your dependence upon glasses and contact lenses should diminish significantly.

Q. Can LASIK be done if I have astigmatism?
A. Yes, the LASIK procedure has been approved to effectively treat astigmatism as well as myopia (nearsightedness) and hyperopia (farsightedness).

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Pharmacy FAQ

Q. Will I always get a discount when I use my membership card?
A. Not necessarily. Each pharmacy determines their own retail pricing.

Q. Why didn’t I get a discount at the participating pharmacy?
A. Many pharmacies price some prescriptions at or below cost in order to draw customers to their store. If you present your discount card and the price is higher than the pharmacy’s retail rate or sale price, you will always pay the lowest price available.

Q. What if the pharmacy doesn’t recognize the card’s name?
A. Always make inquiries in person and be sure to bring your card with you. If the pharmacy still has questions, have them call the Pharmacist Help Desk number on the back of your membership card.

Q. Is this a co-pay insurance card?
A. No. This membership is a discount card offering reduced prices. You are responsible to pay the pharmacy 100% of the discounted price.

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Hearing Aids FAQ

Q. How many times per year can I use my hearing discount?
A. There is no limit on the number of times you may use your discount card for any benefit.

Q. Will my spouse use the same membership card?
A. Yes. Your membership includes your spouse and legal dependents.

Q. Is the discount the same at all participating locations?
A. Over 3,000 locations nationwide offer a 35% discount and a free hearing screening.

Q. Do you offer more than one brand of hearing aids?
A. Yes. We offer six different brands of hearing aids.

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Vitamin 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.

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FAQ

Do I talk to “real doctors”?
Yes. Teladoc members only talk to actual doctors who are U.S. board-certified internists, state-licensed family practitioners, and pediatricians licensed to practice medicine in the U.S. and living in the U.S. When you request a visit, Teladoc will connect you with a doctor licensed in your state.

What are some of the common conditions Teladoc treats?
Common conditions include sinus problems, respiratory infection, allergies, urinary tract infection, cold and flu symptoms and many other non-emergency illnesses.

Can Teladoc handle my emergency situations?
Teladoc is designed to handle non-emergent medical problems. You should NOT use it if you are experiencing a medical emergency.

Can I speak with a specialist?
You cannot request to speak with a specialist directly, but our doctors may be able to provide guidance on the type of specialist you should see.

Can I request a particular doctor?
You cannot request a particular doctor. Teladoc is designed to support your relationship with your existing doctor. It is not a means of establishing an exclusive relationship with one of our doctors. Please know that all Teladoc doctors are highly qualified and go through rigorous training and credentialing. We have the largest physician network of any telehealth provider with board-certified, state-licensed doctors.

Can I get a prescription?
Teladoc does not guarantee prescriptions. It is up to the doctor to recommend the best treatment. Teladoc doctors do not issue prescriptions for substances controlled by the DEA, non-therapeutic, and/or certain other drugs which may be harmful because of their potential for abuse. These include, but are not limited to, antidepressant drugs such as Cymbalta, Prozac and Zoloft which are drugs that are harmful due to their potential for abuse. Also, non-therapeutic drugs such as Viagra and Cialis are not prescribed by Teladoc doctors.

View the current list of DEA controlled substances »

Where do the prescription drugs come from?
Teladoc does not dispense prescription drugs. Our nurses call the prescription into the local pharmacy of your choice.

Is my electronic health record kept private?
Health records are kept totally private and we employ robust encryption methods to protect your personal information. You determine who can see the information in your record.

Can I be turned down for a pre-existing condition?

We do not turn patients away because of pre-existing conditions.

Can I call Teladoc outside of the United States?
You can request a Teladoc visit from anywhere in the U.S. You will speak with a doctor licensed in your home state. You must have a U.S. address and a U.S.-based phone number for the doctor to call back at the time of visit.

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NurseLine™ powered by Health Advocate™ FAQ

Q. Who do I speak with when I call?
A. You will speak with Registered Nurses who will provide you with the best health information available. They use medical protocols developed by Healthwise, one of the most trusted sources of health information and have given reliable medical guidance to millions of Americans.

Q. What types of issues can I call about?
A. Nurses are available 24/7 to answer questions about symptoms, medications, health conditions and offer simple, self-care tips for non-urgent conditions.

Q. Can I call about family members?
A. Yes. NurseLine may be used by you, your spouse and your children.

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