What is Home Choice Benefits Plus?

Using the nationwide telemedicine service and MeMD’s national network of US-licensed, board-certified medical providers, you can connect with a provider online from any location, and receive a diagnosis and personalized treatment plan, including prescriptions* for common medications, when medically necessary.

While telemedicine can help when you need medical attention, when your regular doctor is not available, on holidays and weekends or when travel is difficult, it does not replace seeing a doctor in-person for your annual office visit, ongoing treatment, and care.

MeMD provides online medical consultations with physicians, nurse practitioners, and physician assistants who can write prescriptions when medically necessary and permitted by state law. MeMD is not an online pharmacy, and medications cannot be purchased or dispensed from MeMD directly. MeMD is not a replacement for your primary care physician or an annual doctor’s office visit. MeMD is available 24/7 nationwide, subject to state regulations.

*When medically necessary, MeMD providers can submit a prescription electronically for purchase and pick-up at your local participating pharmacy; however, MeMD providers cannot prescribe elective medications, narcotic pain relievers, or controlled substances. MeMD’s providers are each licensed by the appropriate licensing board for the state in which they are providing services and all have prescriptive authority for each of the states in which they are licensed.

MinuteClinic voucher is redeemable for services at any MinuteClinic location at a 10% discount off our retail charges. MinuteClinic is the walk-in medical clinic inside CVS Pharmacy® or Target® stores.

As a member, you’ll save an average of 31% off the retail price of generic drugs and 15% off the retail price on brand name drugs at over 68,000 participating pharmacies nationwide.

The Mail Order Direct benefit lets you buy a 90-day supply of select medications for low, fixed prices through CVS Caremark Mail Service Pharmacy.

From routine check-ups to fillings, crowns and even braces, members save 15% - 50%* at over 50,000 participating dentists. There is no limit on discounts or the number of visits, and no paperwork to fill out.

*The savings range and average are for illustrative purposes only and are not a guarantee.

You save 35% off normal retail prices on frames (complete pair) and 20% off lens add-ons at over 65,000 participating vision providers, including LensCrafters, Target Optical, JCPenney Optical and most Pearle Vision locations.*

You also save 15% off the retail price or 5% off the promotional price of Lasik or PRK** procedures from the U.S. Laser Network.

*Not all discounts available at all providers. Members must pay for products and/or services at the time they are purchased. This benefit will provide savings over the normal cost. **Since LASIK or PRK vision correction is an elective procedure, performed by specially trained providers, this discount may not always be available from a provider in your immediate location.

Medical Concierge offers you an array of services, by providing assistance with:

• Negotiating lower prices or payment schedules on hospital, doctor and other medical bills, helping you save time and money
• Finding hard to reach specialists, critical illness providers and medical institutions, and coordination of medical record transfers
• Solving billing and related administrative issues
• Accessing community resources

Medical Concierge advocates do the legwork, make the phone calls and assist in making all of the necessary arrangements.

Your pets are part of the family, and your membership offers a savings card for your pets’ prescriptions, heartworm medications, vitamins, flea and tick treatments, specialty shampoos and more.

Receive discounts on lab work, including blood and urine tests, at a savings of 20% - 80% off regular prices. Results are confidential and available for you within 24 - 48 hours.

• All blood tests are offered through the same CLIA-certified accredited labs used by your physician.
• A doctor’s appointment is not necessary. A representative will discuss the draw site locations and test options.
• Confidential test results are available to you within 24 - 48 hours on most tests (mailed, faxed or uploaded to your MyDLS account).

From clothing and video games to toys and sporting goods, you can save big on everything you and your family need. Whether you print a coupon at home, show your phone at participating retailers or shop online with exclusive member discounts, you can save money every time you shop.

THIS IS NOT AN INSURANCE CONTRACT.

This is not an Automobile Physical Damage or Automobile Liability Insurance contract.

Members enjoy the safety and security of knowing that roadside assistance is available anytime, anywhere in the U.S. or Canada. Members are covered up to $100 for towing, flat tire repair, fuel delivery, lock-outs and jump starts. The Roadside Assistance benefit is extended to your spouse and any children 21 years of age or under who live with you. You’re entitled to up to three (3) incidents per year.

Take care of your vehicle with discounted parts and service at a variety of participating service providers.

• Jiffy Lube - Receive 15% off the regular retail price of products and services at participating locations.
  
• Meineke Car Care Center - Receive an 11% discount on all automotive services and a 5% discount on batteries and other select products at participating locations.
  
• MAACO - Receive a 10% discount on all regular priced costs for paint and labor at participating locations.
  
• AAMCO - Receive a 10% discount up to $100 on all regular priced costs of transmission service at participating locations.

Take advantage of your membership discounts at the biggest names in car rentals.

• Avis - Save 10% off the Avis Association select rates and 5% off promotional rates at participating locations.
• Hertz - Get 5% - 20% off your rental, depending on vehicle type at participating locations.
• National - Receive a 20% discount on daily, weekly and weekend rates on all car types at participating locations.
• Alamo - Save up to 15% off daily and weekly rates and 10% off weekend rates on all car types at participating locations.
• Budget - Enjoy discounts up to 25% off a regularly priced car rental at participating locations.

A car accident can be frustrating, even more so when you’re on a trip. Luckily, if you’re away from home (at least 100 miles) and you’re in an accident your Membership could reimburse you for meals and lodging during your repairs. If your vehicle is inoperable and you are towed from the scene of an accident, you could be reimbursed up to $100 each day for up to three (3) days for your meals and hotel.

For added financial security, Members are eligible for reimbursement of up to $150 for emergency ambulance services provided due to an auto accident with another vehicle.

But that’s not all, Members have access to a $2,500 vehicle theft reward for information leading to the arrest or conviction of any person stealing, vandalizing or causing hit-and-run damage to a Member’s covered vehicle or tagged valuable articles.

Whether you take a quick trip through the drive-thru or enjoy a sit-down dinner at a fine restaurant, you could be saving at participating locations nationwide. Print discount coupons at home or simply show your phone for restaurant discounts.

Whether you’re moving, need a cell phone plan, house painting, childcare, new tires, tax preparation, or printing and shipping, your membership is there to help. Members enjoy discounts on these and many more services for you and your family.

Save on every trip to the grocery store with money-saving grocery coupons for members. Just print and save!

Buy tickets^* in advance and save at your favorite theaters, including AMC, Regal, Cinemark, Harkins, Loews, United Artists Theaters and more.

Get discount prices on amusement parks, water parks, concerts and sporting events. You can purchase discounted tickets for amusement parks like Busch Gardens, Walt Disney World and Six Flags; the latest pop, country and rock concerts; and even sporting events like the NFL, NBA and NHL.

You save an average of 26% off at more than 150,000 hotels worldwide through Hotel Engine. Search and save online or on your mobile device at the Hotel Engine app and earn Hotel Engine rewards points that you can use towards free hotel stays.

When you need legal advice or representation by an attorney, your membership will make help available to you. This exclusive benefit can help you navigate everything from traffic violations and divorces to wills and estate protection. As a member, you receive up to 60 minutes of legal consultation per separate legal matter FREE, and 25% off attorney fees should you need further help. Members will also receive one simple Will with Durable Power of Attorney for Health Care at no cost.

Matters involving disputes or actions between members and the rental dealer, the Plan administrator, Benefit Services Association, member’s employer, plan sponsors, agents or their affiliates, officers, directors or employees are specifically excluded from eligibility of this plan. Also excluded are matters that, in the attorney’s opinion, lack merit. Court costs, filing fees and fines are the responsibility of the member. Other restrictions apply.

Whether you need a deed, a will or even paperwork to facilitate the sale of a car, your membership can help with hundreds of do-it-yourself legal forms at no cost.

In a world where identities are stolen on a daily basis, identity theft protection is absolutely essential. Members enjoy ID theft protection, providing credit monitoring, account and transaction monitoring and internet surveillance for your personal information. You can also sign up for wallet protection, which assists you in the event your credit or debit cards, driver’s license, insurance cards and checkbooks are stolen. Plus, in the unfortunate event that your identity is stolen, you will receive:

• Two consultations per topic with a confidential and non-judgmental money coach to help you rebuild your damaged credit.
• Free 60-minute consultation with an attorney if legal services are needed, as well as a 25% discount off additional legal services.
• Unlimited fraud resolution and recovery assistance with Fraud Resolution Specialists™, with access to a credit report review, fraud alerts and security freezes, identity restoration, a free ID Theft Emergency Response Kit and more.
• $1,000,000 in identity theft insurance with a zero deductible for unauthorized electronic funds transfers from personal checking and savings accounts. This coverage also includes expense reimbursement coverage with a zero deductible for certain fraud-related expenses, such as lost wages as a result of time off work, reasonable attorney’s fees (appointed by the insurance company) for defense costs for specific civil suits, notary and certified mailing costs for completing fraud affidavits, long distance phone charges associated with re-establishing your identity, along with many other out-of-pocket expenses that are related to the recovery of your identity.

Along with all of the above-mentioned benefits, members also have access to the following ID Theft Monitoring tools:

• UNLIMITED RESTORATION AND RECOVERY SERVICES – This benefit assist you with restoring your credit and/or financial reputation. Fraud Resolution Specialists™ will execute the process through a Limited Power of Attorney, mitigating some of the costly steps required to properly dispute fraudulent debts as a result of identity theft, and documenting actions taken during the resolution/recovery process – including all required document preparation. The FRS™ will become the advocate on your behalf with any involved entities.
• Credit Monitoring – Your credit reports from each of the three major credit bureaus (Experian, Equifax, and TransUnion) will be monitored on a daily basis for any new credit inquiries. If any activity is detected, we will notify you via email or text so that you can confirm whether the suspicious activity is fraudulent.
• Social Security Monitoring - Your Social Security Number is monitored using cutting-edge technology to monitor hundreds of millions of online records for unauthorized usage of your SSN. If anything suspicious is found, you receive a real time alert that can allow you to take action and halt unauthorized usage of your SSN.
• Debit/Credit card Number Monitoring - The Internet is monitored for fraudulent activity involving your personal information, such as credit card numbers and debit card numbers, PIN numbers, and other personal information in Internet hacker chat rooms and the dark web. Notices of compromised data are made available on your dashboard in real time. If suspicious activity is detected, we will notify you via email or text so that you can confirm whether the suspicious activity is fraudulent.
• Postal Change of Address Monitoring
• Breach Scan Tools
• Breach Announcements
• Monthly Newsletter
• A Member Dashboard

Whether you need credit counseling, tax planning, retirement or college tuition planning, you can speak with a professional to make sure you’re making informed choices. Members receive a 30-minute consultation at no additional cost with a financial professional. Members receive two consultations per topic with a confidential and non-judgmental money coach. Additional services are provided at no additional cost with unlimited access. Plus, members receive a 50% discount off the normal fee for the preparation of all personal income tax documents by a CPA or EA.

Along with all of the above-mentioned benefits, members also have access to the following financial tools:

• Well-Being Assessment - You are entitled to up to a sixty-minute telephone consultation with a Financial Coach at no cost. A Financial Coach can assist you with restoring and rehabilitating your credit reputation and financial status, which have been damaged as a result of an identity theft crisis or fraud. Coaches have undergone extensive training in this area and have acquired training under the Fair Credit Reporting Act (FCRA). Coaches are also trained under the Fair and Accurate Transactions Act (FACTA) in order to assist in a complete review and understanding of your credit report. Coaches are Certified Credit Counselors, in addition to holding certifications like CFP® Professional, Enrolled Agent, CPA, and Certified Credit Repair Specialist, and experience as former bankers and insurance professionals.
• Website
• Online Self-Help Tax Preparation
• Videos and Self-Learning Modules
• Online Access to Coaches Notes, Action Plan and Calendar

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