Save on Products and Services That People Need and Use! · RISK-FREE REVIEW & 100 % ... Simple Will...
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PREMIUM PROGRAM HANDBOOK Save on Products and Services That People Need and Use!
Transcript of Save on Products and Services That People Need and Use! · RISK-FREE REVIEW & 100 % ... Simple Will...
P R E M I U M P R O G R A M H A N D B O O K
Save on Products and ServicesThat People Need and Use!
Bwww.hccua.org
866-227-5400
1www.hccua.org
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HEALTH ADVOCACY SERVICES
If you decide that you are not satisfied for any reason you can cancel and
receive a FULL refund provided you have not used your benefits, and return your
fulfillment materials postage paid.* You must request cancellation within the first
10 days of the Effective Date shown on your HCCUA membership card.
(*See Terms and Conditions for complete details)
RISK-FREE REVIEW & MONEY-BACK PLEDGE100%
Congratulations on joining the HCCUA community! By becoming a HCCUA member, you’re saving on your personal healthcare, prescription medications, pet care and more. For your convenience, we have included a Table of Contents below that will assist you with navigating through this brochure. It will help get you familiarized with all the new lifestyle benefits you now have at your fingertips.
Member Benefit Basic Choice MedChoice Premium Premium Plus Page Number
TeleHealth Services1 2
Prescription Assistance 4
Legal Care Solutions 5
Hospital Bill Audit 6
Health Care Advocacy 7
Technical Support 7
Pet Care Savings 8
Entertainment & Travel Discounts 8
Roadside Assistance 9
Licensed Clinical Counseling 10
ID Theft Monitoring Resolution & Insurance1 10
My Notification Services 11
Financial Education & Credit Counseling 11
Professional Tax Preparation, Advice & Audit Assistance 12
Comprehensive Wellness Testing & Profile 13
Career Defender 14
Health Benefits See
Additional Brochure
Terms & Conditions 15
WELCOME TO HCCUA!
1 - Currently not available in all states
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SEEING A DOCTOR IS NOW JUST A CALL OR CLICK AWAY!
Interactive MD (iMD) is like having a doctor on demand. iMD is a technologically advanced service that allows you to consult with a doctor by phone or computer at any time. Interactive MD is an ideal 21st century healthcare option that’s convenient, cost-effective, and user-friendly.
Speak with a doctor live while traveling or from the comfort of your own home or office – day or night.
• Acid reflux • Acne • Allergies • Asthma • Birth control • Family planning • Bladder infection • Bronchitis • Cellulitis • Cold & Flu • Constipation • Diarrhea • Diabetes • Gout
• Hair Loss • Headache• Heartburn• Hemorrhoids• High blood pressure• Infections• Joint ache & pains• Nausea• Pneumonia (mild)• Rashes• Shingles• Sinus conditions• Sore throat• Stable herpes
• Thyroid conditions• Urinary tract infection• Yeast infection
Pediatric Care (Ages 6yrs and up)
• Cold & Flu • Constipation• Hemorrhoids • Fever • Nausea • Pink eye • Stomach viruses • Vomiting
• Traveling
• Non-ER Medical Questions
• Manage ongoing conditions
• Complement existing healthcare
• Dislike waiting rooms
• Can’t miss work
• Primary Care Physician N/A
• After Hours & Weekends
• Mobility issues
• Too sick to drive
• Car in the shop
• Can’t find a babysitter
WHEN AND WHY TO USE INTERACTIVE MD:
PROVIDED BY:
TELEHEALTH SERVICES
COMMON CONDITIONS HANDLED THROUGH INTERACTIVE MD
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ELECTRONIC HEALTH RECORD
An Electronic Health Record stores essential health information including the results of your health screenings and lab tests, consultation notes from your doctors, as well as the medications you take. It is an important tool as the more information your doctors have about you and your medical history, the more effectively and efficiently they can diagnose and treat you. Your Electronic Health Record also helps to ensure that your doctors know what prescriptions you are currently taking, and any drug allergies you may have, which in turn can prevent dangerous drug reactions and interactions.
TELEHEALTH SERVICES
INTERACTIVE MD IS AVAILABLE TO YOU IN TWO WAYS:
To have a virtual consultation with the next available doctor:
Call 1-888-866-7909 and have your subscriber ID available.
OR
Go to www.interactiveMD.com and Login on the right of the page using
your username and password. If you have not yet set-up your Interactive MD
account call Customer Service and they will help you. If you do not remember
your password just click “Forgot Password” and we will e-mail you a new one.
Step 1 - Complete your electronic health record.
Step 2 - Select the type of consultation: advice or full diagnostic visit.
Step 3 - Choose how you would like to connect, by video or phone.
When you are ready to start, just click on “Schedule a Consult”. Our system will
locate the next available professional. Just sit back and wait, as a doctor will be
connecting with you shortly.
HOW TO ACCESS+BY PHONE
ONLINE
† Video and phone consultations subject to state availability, and all applicable laws, rules and regulations. You must complete a Medical Assessment and History Questionnaire prior to your scheduled medical consultation. Prescriptions will only be issued when indicated and approved by a physician and as permitted by law in your state. Interactive MD is not intended to replace your primary care physician. Interactive MD is not health insurance. Interactive MD physicians do NOT prescribe controlled medications. If you have an emergency, please dial 911. All Interactive MD services are HIPAA Compliant.
Please note: Medical professionals using the iMD platform must abide by various laws, rules and regulations which may impact their ability to (a) diagnose and recommend treatment for certain conditions, and (b) prescribe medication in the absence of an in-person examination. Please see Terms & Conditions for more information about telemedicine services.
Medical Consultations - Done by phone or video conferencing, licensed physicians will provide you with a thorough assessment, and can discuss
a wide range of common medical issues and/or conditions†. Each consultation will cost $40. (subject to change)
Phone Call†
Speak to a doctor and receive consultation any
time over the phone.
Video Conference†
See a provider using your computer and a webcam
over the internet.
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+ $TART $AVING TODAY!See if you qualify for prescription assistance in one of three ways:
BY MAIL
Complete the following enclosed documents:
• Prescription Assistance Form
• Authorization for Use and Disclosure of
Protected Health Information
• Upon completing the forms, mail
them to HCCUA using the enclosed
prepaid envelope.
BY FAX
Complete the following enclosed documents:
• Prescription Assistance Form
• Authorization for Use and Disclosure
of Protected Health Information
• Upon completing both forms, kindly
fax them to HCCUA at: 866-258-9469.
ONLINE
Visit us online at www.hccua.org/rxassistance/ to fill out the
necessary forms. Your forms will be submitted
online automatically upon completion.
• Prescription Assistance Form
When you have completed the included forms, please call Member Services at 866-227-5400 to start your medication review with one of our Prescription Specialists. He or she will verify your information, explain the process and answer any questions you may have.
Our RX Advocates will then go to work for you to try to obtain any savings on medications for which you may be eligible for. This process will take upwards of 2 to 4 weeks.
“I NEED MY MEDICATIONS TO SURVIVE, BUT MY PRESCRIPTION COSTS ARE KILLING ME FINANCIALLY.”
At HCCUA we hear this grievance on a daily basis. But, what many of our members don’t realize is this, there ARE funding options out there that can assist them with the hurtful cost of maintenance and preventative drugs. That’s where our Prescription Expense Assistance Department comes in. They work diligently on your behalf to identify any prescription savings you may be eligible for, including:
• Free Medications• Discounted Medications
• Small co-pays• Mail order options
HCCUA RX ADVOCATES LEAVE NO STONE UNTURNED....
Our Trained Experts Will Search Every Available Option To HelpYou Save On Your Prescription Medications:
PRESCRIPTION EXPENSE ASSISTANCE(RX ADVOCACY)
CharitiesManufacturers Mail Order Programs
WHAT OUR MEMBERS ARE SAYING ABOUT THE HCCUA RX ADVOCACY PROGRAM:
I was paying over $350 PER MONTH for meds. With help from my
new RX advocacy program, I will now be paying $60 every 6 months
for all of my medications, including FREE insulin!
- Paul C, Chicago, IL - Sharon W, Des Moines, IA
I have one prescription that costs $383 per month and had to travel very far to get it. With this program, I am now getting it absolutely free, plus I receive a 90-day supply through the mail.
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• Small co-pays• Mail order options
PRESCRIPTION EXPENSE ASSISTANCE(RX ADVOCACY)
PUT THE LAW ON YOUR SIDE WITH LEGAL CLUB OF AMERICA®
Caught speeding to work? Want to incorporate your new business? Finally bought that dream house and need a lawyer to represent you at your closing? Whatever “the case” may be, you now have the law on your side with HCCUA’S LEGAL CARE SOLUTIONS plan. With unlimited access to a proprietary network of attorneys in all 50 states, members will receive both free and discounted legal care, simply by picking up the phone.
With legal care solutions by Legal Club of America, you can get peace of mind when it comes to resolving most legal problems you may encounter.
PROVIDED BY:
CONTACT US
Call Member Services at
866-227-5400, Monday-Friday,
9:00- 5:30pm EST, for a list of
available attorneys in your area.
Be sure to have your Subscriber
Number available.
ATTORNEY ASSIGNMENT
A participating Legal Club of
America® attorney will be assigned
to you.
SCHEDULE A CONSULTATION
By phone, or in-person, schedule
your free consultation on a need-be,
case-to-case basis.
LEGAL CARE SOLUTIONS
EXAMPLES OF FREE LEGAL SERVICES INCLUDED WITH MEMBERSHIP:
• Initial phone and face-to-face consultations for each new legal matter (no time limit).• Plan attorneys will prepare a Living Will for you and your family and update the Will annually.• Plan attorneys will help subscribers represent themselves in small claims court.
EXAMPLES OF GREATLY DISCOUNTED SERVICES:
Legal Services Subscriber Rate Non-Subscriber Rate
Traffic Ticket Defense $89.00 $199.00Name Change $155.00 $365.00Simple Will with Minors Trust $250.00 $530.00Chapter 7 Bankruptcy $750.00 $1,500.00Non-Support (Spouse/Child) $275.00 $1,490.00Simple Divorce $275.00 $1,100.00Regular Incorporation $295.00 $585.00Personal Real Estate Closing $250.00 $675.00
Disclaimer: When you call for your free legal consultation, please be sure to mention Legal Club of America to receive your free or discounted legal services.
HOW TO ACCESS+
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PROTECTS YOU AGAINST OVERBILLING
Over 35 million people in the U.S. are admitted to a hospital each year with each visit averaging close to $20,000. Besides medical costs, many of these bills are as high as they are because of significant errors within the bills themselves. Unfortunately, many people don’t do anything to correct them because they can’t even recognize the errors - let alone explain them - or get the hospitals to correct them. But, as a HCCUA member, you can rest assured that we are here to shield you against overbilling if you are hospitalized.
HOW DO WE PROTECT YOU? HCCUA has contracted the services of compliance analysts, medical billing specialists and a team of highly-skilled physicians who will audit your eligible hospital stay bill* with the aid of a unique and powerful software platform. The steps they take to safeguard you financially include:
1. Prior to paying your bill, HCCUA will have their team review or “audit” your itemized hospital stay bill and related records.
2. Identify excessive, unwarranted, non-compliant and otherwise invalid charges.
3. Create a detailed medical bill review report or “MBR” that identifies billing errors, challenges invalid charges, recommends appropriate adjustments and explains the reasons for each challenge and adjustment.
NEXT STEPS? Once your audit is complete, HCCUA’s Analysts will send you an MBR, along with a sample letter to your hospital billing department explaining the MBR findings and challenged charges. You should then immediately send your own letter to the hospital with a copy of the MBR, as well as payment for the undisputed portion of your bill. Remember, it is imperative that you get your bill audited first, as it is much more difficult to get your hospital to adjust a bill and refund monies already paid.
Also important: it is crucial that you request Audit support and complete all of the steps in the process as quickly as possible, as each State requires that any challenge to a hospital bill must take place within a stipulated time period to be classified as a “disputed bill,” in order for that bill to be held in abeyance until the audit is complete.
HOSPITAL BILL AUDIT
As soon as you receive your bill for a hospital stay, please call Member Services at 866-227-5400, so that a HCCUA Member Advocate can forward, and then explain how to download the following documents to file an audit:
Customer Agreement
HIPAA Privacy Agreement
Customer Information Form
Itemized Medical Bill & Information Release Form
Medical Records Release Authorization Form
Sample Audit Advisory Letter to Hospital (with UB-04 Request)
HOW TO ACCESS+
*Detailed terms and conditions for the Hospital Bill Audit service, which will be included in the Customer Agreement, may be viewed on the HCCUA web site and are available upon request from Member Services. You must be an HCCUA Member in good standing for a continuous period of 180 days (the “Waiting Period”) before you or your eligible spouse or dependent may use the Hospital Bill Audit service. Only one eligible person (either you or, if any, your spouse or eligible dependent) may use the Hospital Bill Audit service one time only once during each calendar year that you remain an HCCUA Member in good standing. The Hospital Bill Audit service may only be used for hospital bills incurred by one eligible person during and directly related to their stay as an admitted patient in a hospital for more than 24 continuous hours.
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ITS LIKE HAVING YOUR OWN HEALTH INSURANCE SECRETARY
We can assist you and your covered dependents to navigate the healthcare system and decode clinical and administrative issues. Subscribing to HEALTH ADVOCACY SERVICES is like having your own health insurance secretary that can assist you to:
• Deal and communicate with Insurance companies
• Negotiate medical bills
• Help with Diagnosis-Based Assistance Programs and
associated costs
• Review hospital bills
• Locate support groups
• Assist with completing qualification applications
HEALTH ADVOCACY SERVICES
Call Member Services at
1-866-227-5400.
Please have your Member Number
available.
HOW TO ACCESS+
HOW TO ACCESS+For more information regarding Technical Support services:
Call 888-881-9546
TECHNOLOGICALLY CHALLENGED? WE CAN HELP.Not sure how to upload or print? Ever received an error message and didn’t understand what it meant? We all struggle with today’s technology. But have no fear technologically-challenged members… TECH SUPPORT is here!
• 1 hour of Free Service each month• Certified, licensed technicians • Small or large challenges: software installation, virus issues, apps help and more• Secure, remote environment: Online, Chat Service, Phone
• Support is a toll-free phone call away at: 888-881-9546• Tech support available M-F 8am-8pm CST and Saturdays 8am - 2pm CST.• Subscribers can purchase additional service at the cost of $0.99 per minute
TECHNICAL SUPPORT
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PET CARE SAVINGS
Pets are family too! That is why HCCUA has partnered with Pet Assure® - a service that provides simple, affordable access to quality veterinary care.
With Pet Assure you can start saving immediately on your pet’s medical and supply care needs, and even enroll your pets in their 24/7 Pet Assistance Locator Service program (P.A.L.S. Tag), which will give you peace of mind in case they ever go lost or missing.
1. Go to www.hccua.org
2. Log into the website with your subscriber
number and your zip code.
3. Click on “Pet Assure Benefit” at the
bottom of the page.
4. Follow the link to access the benefit,
create your login and password, and
register for your complimentary
P.A.L.S. Tag.
OR5. Show your subscription card with Pet
Assure® logo at participating merchants.
For more info on P.A.L.S. tags, or any other
participating practices, call
1-888-866-7936.
+HOW TOACCESS
ONLINE
BY PHONE
$avings on Pet SuppliesSave 10%-30% off Pet Supplies and Specialty
items from thousands of participating merchants!
FREE P.A.L.S. TagDid Rover get out again?
Register for FREE for 24/7 Pet Recovery Services
with membership and get notified the moment your furry friend gets found!
P.A.L.S.
$avings on Medical Services
Search participating Veterinarians in all 50 states
& Puerto Rico and save 25% off medical services. No claim
forms or deductibles = no hassle!
HOW TOACCESS+
For more information on the full range of discounts and savings available:
Call 866-227-5400
PROVIDED BY:
ENTERTAINMENT & TRAVEL SAVINGSThe HCCUA Entertainment & Travel Savings plan provided by Entertainment FV® offers its members powerful discounts on pretty much anything and everything lifestyle related. Don’t want to pay full price for your oil change? We don’t blame you. Want to rent that vacation condo for less? No problem! With Entertainment FV and HCCUA on your side, we’ll help you live life to the fullest, and save you some green in-between.
SAVE MONEY WITH DISCOUNTS ON THOUSANDS OF LOCAL & NATIONAL SERVICES, INCLUDING:
Oil ChangesFloral Savings
Movie Tickets Restaurants & DiningTravel
Dry CleaningGolfCar Rentals
Events & AttractionsHotels & Vacations Shopping
HCCUA Pet Assure Program Includes:
Log into: www..hccua.org > Entertainment
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TRAVEL AID IN YOUR TIME OF NEED
IDENTITY THEFT PROTECTIONROADSIDE ASSISTANCE
TOWING / LOCKOUT / EMERGENCY ROADSIDE ASSISTANCE • Get up to $100 toward Towing and Emergency Road Service.• Tow at no cost to the dispatched mechanical service provider, or a destination of your choice; up to $100.• 24/7 toll-free dispatch service includes jump starts, gas delivery and flat tire changes; up to $100.• Locked out? Disabled vehicle? Out of Gas? Call 888-866-7908 for service.
We’ve all been there - all of a sudden your car won’t start! If only our batteries could warn us they’re about to go kaput, right?! Or, you’re putting groceries in the car and the next thing you know, you realize you locked your keys in with your milk and eggs. It happens to all of us. You most certainly are not alone. That’s why having a HCCUA Roadside Assistance plan from Allstate® is critical. It puts you back in the driver’s seat, in minimal time, with minimal or no costs.
HIT-AND-RUN REWARD BENEFIT - UP TO $5,000 An amount up to your benefit limit will be paid as a reward to the witness(es) who provide(s) information leading to the arrest and conviction of the accident felony offender (no lesser or different offense) of anyone responsible for bodily injury to you, your spouse or other designated driver, because of a hit-and-run accident.
REIMBURSEMENT LEGAL DEFENSE BENEFIT - UP TO $750 The Legal Defense benefit provides payment for attorney fees – up to the benefit limit – to defend you in court if you are charged with certain moving violations of motor vehicle laws while driving an eligible vehicle. You may choose any attorney (other than yourself or a family member) to represent you.
TRIP INTERRUPTION - UP TO $750 If your vacation or personal trip is interrupted as a result of a collision involving your eligible vehicle, you may qualify for reimbursement of certain expenses incurred within 72 hours of the collision; certain restrictions apply.
HOW TO ACCESS+ Call 888-866-7908
PROVIDED BY:
BY PHONE
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BEHAVIORAL HEALTH ASSISTANCE 24/7
Whether you’re having financial, substance abuse, family or work related difficulties, sometimes it just helps to have someone to speak to. With the HCCUA LICENSED CLINICAL COUNSELING plan, members are eligible to phone a Licensed Clinical Counselor at any hour - in complete confidentiality - 365 days a year via a dedicated toll free number.
KEEP WHO YOU ARE - UNDER WRAPS - WITH INFOARMOR®
The phone rings and it’s your credit card company. Someone just charged a $2,000 flat screen to your account but it wasn’t you. In today’s technologically advanced world, computer hacking and online fraud is ever increasing, leaving us all vulnerable to identity theft. Since the best defense is a good offense, it’s time to protect yourself with the HCCUA ID THEFT PROTECTION plan from InfoArmor®.
MONITORING – ID Theft Monitoring searches and monitors your past history, as well as real time identity frauds or threats. Monitoring is secure and hassle-free, and identity alerts are actionable.
RESOLUTION – Upon notification of an identity theft incident or breach, a Privacy Advocate will act on your behalf, as a dedicated case manager. Once an alert is received, members should immediately call InfoArmor® at: 888-866-7920.
INSURANCE – If your identity is stolen despite taking the necessary precautions above, you may receive up to $25,000 in indemnity to cover any lost wages or legal expenses incurred as a result of said ID Theft.
LICENSED CLINICAL COUNSELING
IDENTITY THEFT PROTECTION
Call 888-866-7938 toll-free, to speak with a Licensed Clinical Counselor.
Counselor will conduct an initial assessment.
You will receive guidance when your needs are determined by the Counselor.
Counselor will then align the appropriate resource(s) for you, be it additional help from a local Provider, or community agency - and more.
+ STRESSED AND NEED TO TALK WITH SOMEONE NOW? HERE’S HOW:
PROVIDED BY:
PROVIDED BY:
$
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EMERGENCY MEDICAL AND CONTACT NOTIFICATION SERVICESDid you know that a disabling accident occurs every 2 seconds in the United States? On average, it takes 6 hours to notify a family member of this type of medical emergency. According to a recent study by the American Psychological Association in Washington, D.C., 50% of all Americans will be involved in a traumatic event in their lifetime. That’s where My Notification Services comes in.
BENEFIT HIGHLIGHTS INCLUDE:
If you are involved in an accident, My Notification Services will notify up to 9 of your closest contacts via phone, e-mail, text, or all three immediately after they are contacted by emergency services personnel. This offers you peace of mind knowing that your friends and family have been notified of your whereabouts. With 22 multi-lingual call centers throughout the United States and Puerto Rico, emergency notifications can be transmitted in up to 75 different languages.
LIKE HAVING A PERSONAL FINANCIAL ADVISORWith this benefit, Legal Club of America® will provide you and your family with personalized financial and credit counseling services 24/7, 365 days per year. Whether you’re buying or renting a home, having debt problems, or setting up a trust; this program is designed to provide you and your family with the necessary guidance and tools needed to make better financial decisions, all of which is provided by 1,000+ experienced Financial Counselors.
BENEFIT HIGHLIGHTS INCLUDE:
FREE CONSULTATIONS – a complete financial assessment will include a review and analysis of your household income, expenses, assets and liabilities. Available by phone or online chat sessions.CREDIT & DEBT COUNSELING BY CERTIFIED CREDIT COUNSELORS – assisting you in creating a livable budget to balance income and expenses, and provide specific advice on how to deal with creditors. Money management and budgeting techniques are offered to help you gain control of finances, while creating an action plan for you to become debt free.ONLINE TOOLS, ARTICLES, COURSES & COUNSELING SESSIONS – receive answers to questions on loans, budgeting, debt and more. Become educated in the areas of credit and money management.
HOUSING ADVISORY SERVICES – get advice on homeownership, mortgages and refinancing.
MY NOTIFICATION SERVICES
FINANCIAL EDUCATION & CREDIT COUNSELING
Please call Member Services at 866-227-5400 to receive instructions on how to enroll in this program. Once you complete
the registration process, you will receive a kit in the mail which includes an ID card, a sticker to put on the back of your
driver’s license, and a sticker to place on your vehicle so that emergency services personnel can properly notify your
contacts if disaster strikes. You must call Member Services to enroll.
HOW TO ACCESS+
HOW TO ACCESS+Call Member Services at 866-227-5400 with questions, or to file a claim. Please have your Member Number available.
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TAX PREP, ADVICE & AUDIT ASSISTANCE
FINANCIAL GUIDANCE FROM LEGAL CLUB OF AMERICA®
Legal Club of America® provides you with a comprehensive tax program that includes preparing a tax return for you for FREE, unlimited tax-related advice, as well as a discounted tax schedule preparation. Moreover, all tax and financial guidance is provided by experts such as tax attorneys, financial analysts, CPA’s, former Auditors and/or Enrolled Agents certified by the IRS - NOT by customer service reps.
EXAMPLES OF TAX PREP, ADVICE & AUDIT SERVICES INCLUDE:
• Live, 1-on-1, direct answers to tax questions over the phone when using tax software programs.
• Experts that can review audits, and experts that assist and advise members who are audited.
• Access to a Tax Advisor, no matter your income bracket, for a tax consultation.
• Review of your prior year’s tax return.
• Financial and tax implication advice on everyday financial matters such as: Retirement Planning, Capital Gains, IRA’s, Roth IRA’s, 401k plans, Divorce, Real Estate Planning, Inheritance, Investment Timing & Strategies and more.
CALL US – Call Member Services at 888-866-7920,Monday-Thursday, 9am – 6:30pm EST and Friday 10am – 3pm EST. Be sure to have your Subscriber Number available.
+HOW TO ACCESS
BY PHONE
PROVIDED BY:
TYPICAL QUESTIONS ANSWERED BY EXPERTS
SHOULD I OPEN UP A ROTH OR A TRADITIONAL IRA?
SHOULD I ITEMIZE DEDUCTIONS?
WHICH TAX FORM DO I FILE WITH?
I HAVE A HOME-BASED BUSINESS, WHAT DEDUCTIONS CAN I TAKE?
“
TO DOWNLOAD OR VIEW A LIST OF DISCOUNTED PRICING EXAMPLES FOR THE PREPARATION OF FORM SCHEDULES AND VARIOUS TAX DOCUMENTS, GO TO WWW.HCCUA.ORG
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BECAUSE WE WANT YOU TO BE HEALTHY
The Comprehensive Wellness Test & Profile is probably one of the most valuable benefits you are entitled to as a HCCUA member*. At no additional cost, the CWP consists of over 50 individual blood tests that will provide a thorough, bio-chemical assessment of your overall health. Thusly, the results will yield and indicate the proper functioning of most of the major organ systems of your body.
Blood tests should be a part of your annual wellness routine, as they can help spot a wide variety of health problems, including early detection and treatment. Being tested annually can also save money, prevent further health problems, and even save lives. Tests performed as part of the CWP include:
• Complete Blood Count (CBC)
• Kidney Panel
• Thyroid Profile with TSH
• Lipid Profile (cholesterol: HDL, LDL, risk ration, triglycerides)
• Liver Panel
• Fluids & Electrolytes
• Minerals & Bone
• Glucose (Diabetes)
*You must have a continuous active membership in good standing for at least 180 days in order to use this benefit. Testing is not available to members residing in NY, NJ, RI, HI and AK.
Call Member Services at 866-227-5400
for further instructions.
IMPORTANT: Please DO NOT schedule
a lab visit without contacting Member
Services.
Additionally, we recommend that you
fast (do not eat) 8 hours before you have
your blood drawn.
COMPREHENSIVE WELLNESS TESTING & PROFILE
HOW TO ACCESSAND WHAT TO EXPECT+
Blood & Fluids Lipid Profile
Complete Blood CountWBCRBCHemoglobinHematocritLymphocytes MonocytesMCHMCHCMCVNeutrophilsPlatelets
Cholesterol, TotalHDLLDLCholesterol/HDL RatioTriglycerides
Fluids & Electrolytes Diabetes
Chloride, SerumPotassiumSodium, SerumCarbon Dioxide
Glucose, Blood Sugar levels
Liver Profile Kidney Panel
Alanine aminotransferase (ALT or SGPT)AlbuminAlbumin / Globulin RatioAlkaline phosphataseAspartate aminotransferase (AST or SGOT)Bilirubin, TotalGlobulin, TotalLactate Dehydrogenase (LDH)GGT
Urea Nitrosen (BUN)Creatinine, SerumUric acidBun / Creatinine
Thyroid Panel Bone & Minerals
Total T-4 (Thyroxin)T-3 UptakeFree-Thyroxin Index (FTI)T-7TSH
Iron, TotalCalciumPhosphorus
BLOOD TEST BENEFIT INCLUDES THE FOLLOWING PANELS:
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TOOLS TO AID WITH JOB SECURITY
IDENTITY THEFT PROTECTIONCAREER DEFENDER
Career Defender is an online leader in job protection and career advancement whose goal is to help you achieve greater job security and job mobility through training, education, legal support and insurance. In these tough economic times, Career Defender aims to assist you through advanced resume creation, submission tools, salary reports and employee best practices information.
Whether you’re looking to understand some of the potential risks you may be facing in your industry, or you’re looking to grow your knowledge of certain software programs; their helpful career advice and program benefits can help.
JOB ASSESSMENT – Job Security Score, Salary Calculator, Salary Report and Personality Test.
EDUCATION & TRAINING – Career Advice Videos, Career Best Practices Articles, Software Training Videos and Online Degree Search.
INCOME PROTECTION – Tips to negotiate a higher salary and Employment Law FAQ’s.
UNEMPLOYED? – Career Defender will help you find a job with their Online Resume Builder, Nationwide Job Search help, US Employment Data records and Twitter Resume Creator.
Log on to your secure member portal at www.hccua.org, using your HCCUA
Username and password.
Then click on the Career Defender link within the Member Benefits section of
the site.
Once there, click any of the icons to access a specific benefit.
If you experience any difficulties, please click on the “Report a Problem” button
on the right side of the website, or call Member Services at 866-227-5400 and
have your Member Number ready.
HOW TO ACCESS+ONLINE
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DEFINED TERMS. ANY CAPITALIZED TERM USED BUT NOT DEFINED IN THIS MEMBERSHIP HANDBOOK SHALL HAVE THE MEANING ASSIGNED TO SUCH TERM IN THE BY-LAWS OF HEALTHCARE COST CONTAINMENT UNITED ASSOCIATION (“HCCUA” or the “Association”).
PURPOSE OF ASSOCIATION. The purpose of the Association (the “Purpose”) is: (a) To educate, inform, encourage and assist its members with regard to using telecommunications and digital media to more economically and efficiently obtain quality healthcare and physician services (“Telemedicine”), applying medical bill review and evaluation techniques and services to reduce or eliminate excessive or inappropriate charges (“Medical Bill Reviewing”), and adopting healthier lifestyles, taking preventative action and making sound financial decisions concerning medical needs and healthcare benefits, services and products; (b) To publicly promote and encourage the development, availability, understanding and use of Telemedicine and Medical Bill Reviewing in order to reduce healthcare costs in general and help resolve the healthcare crisis effecting the United States of America; (c) To give members access to Telemedicine, Medical Bill Reviewing and other benefits, programs, privileges, products and services beneficial to their overall health and economic condition, and such other ancillary and incidental benefits as the Board of Directors deems appropriate and permissible under applicable law; and (d) To do any other act or thing incidental to or connected with such purposes or the advancement thereof by exercising the powers now or hereafter conferred upon corporations by the laws of the State of Florida and of the United States.
MEMBERSHIP & ELIGIBILITY. The members of the Association (collectively “Members” and each a “Member”) shall consist of such persons as may be qualified for and admitted to Membership by the acceptance and approval by the Association of an application for Membership. To be eligible for HCCUA Membership and Membership benefits programs (“Programs”), at the time of enrollment you must be a legal U.S. resident, 18 years of age or older, demonstrate you actively use telemedicine, EHR services, medical bill auditing, diagnostic testing, Rx/DME Programs and/or other healthcare efficiency services on a regular basis, and who meets such other qualifications for Membership established from time to time by the Association’s Board of Directors. Membership may not be transferred or inherited. Membership is not conditioned on any health-status related factor relating to an applicant or Member, or relating to any applicant’s or Member’s spouse or dependents. The Association has different classes of Membership (collectively “Classes” and each a “Class”), each having different privileges and benefits. Members have such rights as are set forth in the By-Laws of the Association, as the same may be amended from time to time (the “By-Laws”). Membership benefits provided to each Class of Membership (collectively, “Benefits”) are set forth in the HCCUA Membership Handbook. HCCUA reserves the right to amend Benefits at any time for any reason.
RISK-FREE REVIEW PERIOD. Please review the HCCUA Membership Handbook relevant to your Class and your Benefits. You are entitled to a ten (10) day risk-free review period to evaluate your Membership (“the “Review Period”). To be eligible, you must request cancellation within the first ten (10) days of the “Effective Date” as indicated on your HCCUA Membership Card. To receive a full refund of your initial payment, you must return all received packaged materials within thirty (30) days of your Effective Date to: HCCUA c/o Member Services, 5300 Broken Sound Blvd NW #200, Boca Raton, FL 33487. An amount up to $25.00 will be withheld from your refund until such time as your packaged materials are returned. Return packages must be sent by trackable means, and proof of delivery does not constitute proof of receipt. Eligible refunds are processed as soon as they are received and will normally appear on your bank or credit card account within ten (10) days of processing.
GOVERNING DOCUMENTS. The By-Laws and these HCCUA Membership Terms and Conditions (the “Membership Terms”) may be amended from time to time in accordance with the HCCUA Amended and Restated Articles of Incorporation and By-Laws, or as may be required to comply with any applicable laws, regulations or rules of any government authority or agency. The terms and conditions for any Benefit (“Benefit Terms”) may be amended from time to time as required or permitted by the source or provider of the Benefit, or as may be required to comply with any applicable laws, regulations or rules of any government authority or agency. At any given time, the current
By-Laws and Membership Terms as the same may have been amended (collectively, the “Governing Documents”) are available for viewing by all Members on the Association’s website at www.hccua.org (the “Website”). Additional terms and conditions for the specific Benefits may be obtained by contacting HCCUA and/or the provider of the Benefit(s).By becoming and remaining a Member, you acknowledge and agree that you have reviewed and accepted all of the terms and conditions of the Governing Documents on behalf of yourself and your covered dependents. In addition, you will be deemed to have received notice of and reviewed and accepted any and all amendments to the Governing Documents once such amendments have been posted on the Website or sent to you or explained to you by a representative or agent of HCCUA.
DUES AND FEES. All new Members must pay an initial application processing and enrollment fee in an amount as may be established by the Association for the Member’s Class. HCCUA Members, who cancel Membership and then re-enroll after the date in which their current HCCUA Membership is terminated, shall be classified as new Members, and shall be required to pay the initial application and enrollment fee when they re-enroll. Members who upgrade or downgrade their Membership prior to the termination of their Membership, shall not be classified as new Members and shall not be required to pay an additional application processing and enrollment fee. Benefit fees and Association dues are hereinafter collectively referred to as “Charges.” In order to maintain Membership in the Association, you must pay the monthly Charges. Payment of all monthly Charges is due in advance and will be automatically drafted from or charged to the account or credit card that you have authorized HCCUA or its agent to draft or charge at the time of your enrollment or thereafter (your “Billing Account”). The Association reserves the right to terminate any Membership and deny any and all privileges and benefits for lack of timely payment of any Charges, or failure to satisfy any other Membership requirement. Charges may be changed for all Members of any Class (but not individually), as the Association’s Board of Directors determines is necessary, appropriate or desirable in its discretion, with notification to be provided as soon as reasonably practical. Charges collected from the Members are held and disbursed on behalf of the Association by a licensed third-party administrator in order to ensure timely payment of any fees or premiums due and payable by, on behalf of or for the benefit of HCCUA to the sources, providers or underwriters of the Benefits and otherwise as may be required by applicable laws, regulations or rules of any government authority or agency.
AUTHORIZATION, PROCESSING AND CONFIRMATION OF CHARGES AND PAYMENTS. By becoming and remaining a Member, you agree to and authorize all Charges against your Billing Account appropriate to your Membership Class that you have selected or later select. Each month’s Charges will generally, but not necessarily, be handled as a single withdrawal from or charge to your Billing Account. If you do not effectively cancel during the Risk-Free Review Period, you will be deemed to have confirmed your continuing authorization for all Charges that accrue while you are a Member to be withdrawn from or charged to your Billing Account, including withdrawals and Charges that may be processed after you cease to be a Member for Dues or Fees that accrued while you were a Member. Depending on the Effective Date that you selected, Charges will be submitted on or about either the 5th, 10th, 15th, 20th or 25th of each month for the next month (your “Billing Date”). The payment of your initial application processing and enrollment fee and each payment of monthly Charges or other Fees will be deemed confirmed on the date five business days after the date of the receipt of such payment from your Billing Account by automatic bank draft or credit card.
INSURED BENEFITS. HCCUA offers a variety of primary benefits and services to its Members, as well as certain other benefits and services that are only provided to those Members who choose to join specific Membership Classes and select certain Associate Benefits or Premium Benefits (collectively, “Additional Benefits”). These Additional Benefits may include certain insurance coverage (“Insured Benefits”) provided by licensed insurance companies (each an “Insurance Carrier”) under master group policies issued to the Association (each a “Policy”). HCCUA IS NOT AN INSURANCE COMPANY AND IS NOT RESPONSIBLE OR LIABLE FOR ANY INSURED BENEFITS OR CLAIMS UNDER ANY POLICIES. THE INSURANCE
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CARRIER ISSUING/UNDERWRITING ANY POLICY IS SOLELY RESPONSIBLE AND LIABLE FOR INSURED BENEFITS AND CLAIMS UNDER SUCH POLICY. The benefits, terms, conditions, limitations and exclusions of each Insured Benefit are set forth in the relevant Master Group Policy, a copy of which is maintained at all times in the records of the Association and available for review at the offices of the Association upon request. Coverage under each Policy, and the essential features of such coverage, is evidenced by and described in a certificate of coverage for such Policy (the “Certificate”) which will be delivered to each Member covered under the Policy. If you have joined or join a Membership Class and select Additional Benefits that include any Insured Benefit(s), you should have or receive a Certificate issued under the terms of the relevant Policy or Policies. If you believe that you have any Insured Benefit for which you do not receive a Certificate, it is critical that you contact Member Services immediately.
ACTIVATION AND TERM. Your Membership in the Association is on a month to month basis, with the monthly periods running from 12:00 am Eastern Time on your Effective Date through 11:59 pm Eastern Time the day before your Effective Date of the following month (a “Monthly Period”). Benefits, including Insured Benefits will be activated on your Effective Date, provided your initial payment of Charges has been confirmed. Insured Benefits are activated in accordance with the applicable Policy and Certificate, as may also be summarized in the relevant Class Handbook, if any; provided, however, that in the event of any conflict between any such Class Handbook and the Certificate, the Certificate of Coverage governs. The term of your Membership may continue so long as you continue to meet the qualifications of Membership established by the Association and pay all required Charges in full and in a timely manner.
USE OF BENEFITS. You must be actively enrolled and be current on all payment of Charges in order to use or receive any Benefits. You agree that you will use your Membership and Benefits only for yourself or your covered Dependent Family Members. “Dependent Family Members” are your spouse, immediate family members under the age of 26 who are living with and are financially dependent upon you. In some cases, Dependent Family Members may also include handicapped family members who are incapable of self-support and are dependent on you for support and maintenance. Please refer to the Certificates applicable to the Associate or Premium program(s) in which you are enrolled to determine coverage available for Dependent Family Members.
CHANGES IN BENEFITS. Notwithstanding anything herein to the contrary, any Benefits, including Insured Benefits, may be modified, changed, replaced, substituted, discontinued or eliminated as the Association’s Board of Directors, in its sole discretion, deems necessary, appropriate or desirable, and as permitted in the By-Laws. Should your Benefits materially change, you will be notified as soon as reasonably possible. Information will be placed on the Association’s Website at www.hccua.org to provide Members with current Benefit information, as well as other pertinent Membership information, and you shall be deemed to have received notice of any such information once it is posted. As a courtesy, such material change notifications will be emailed to you at your last email address on file.
CANCELLATION AND TERMINATION. After the Risk-Free Trial Period, you can cancel your Membership at any time by submitting a Cancellation Request to the Association. To effect a cancellation as of the last day of a given Monthly Period, your verified Cancellation Request must be received by Member Services prior to the 25th day of that Monthly Period (the “Cancellation Deadline”). Once received, your cancellation will be processed and will become effective as of midnight on the last day of the Monthly Period for the month you submitted a timely Cancellation Request. If your Cancellation Request is NOT received prior to the Cancellation Deadline of the Monthly Period in which it is delivered, then your Membership will continue through the end of the next Monthly Period and you will be responsible for the full payment of all Charges owed for that next Monthly Period. Please note: Because of the automated nature of HCCUA’s billing system, if your Cancellation Request is received after to the 20th day of the Monthly Period, but not at least five days prior to your Billing Date, Charges may unavoidably be processed against your Billing Account on or about your Billing Date, in which event such charges will be refunded to your Billing Account no later than thirty (30) days after the date
of your Cancellation Request.
Non-payment of any Charges will result in automatic termination of your Membership, and Benefits as of the end of the last Monthly Period for which you paid all Charges in full. If you are terminated for nonpayment, you may be given a grace period of up to thirty-one days from the date your payment was due in which to reactivate your membership by paying all applicable Charges in full. Notwithstanding anything herein to the contrary, the Board of Directors of the Association or its authorized Delegate (the “Board”) may terminate your Membership at any time, in its sole discretion, in accordance with the Bylaws. In the event of such termination, your Membership and Benefits will be retroactively terminated effective as of the end of the prior Monthly Period and any Dues you have paid applicable to any later point in time will be refunded to you.
NOTICE OF MEETINGS AND ACTIONS. All notices required to be given by the Association to you of any meeting or action of the Association under applicable law or in accordance with the Association’s Articles of Incorporation or By-Laws will be posted on the Website. Upon acceptance or use of any Benefits or by continuing your Membership beyond the Risk-Free Review Period, you shall be deemed to have waived any right to delivery of individual notice of any such meeting or action of the Association unless you inform the Association to the contrary in writing.
LIMITATION OF LIABILITY & DISCLAIMER OF WARRANTIES. You agree that any claim with regard to Benefits provided to Association Members as a result of their Association membership, including discount programs and wellness testing, shall be made only against the providers of such Benefits and not the Association, its affiliates or contractors (collectively, the “Companies”), whose sole obligation hereunder is to provide and facilitate Member access to and receipt of such benefits from the providers of such benefits. The Companies assume no liability with regard to any benefits provided, or to be provided, by any third party. The Companies are not merchants, manufacturers or direct providers of the Benefits and do not give any warranties, expressed or implied, as to description, quality, merchantability, fitness for any particular purpose, productiveness or any other matter, as to the Benefits, the third-party providers of Benefits, or any other services or merchandise purchased or received by you through, or in connection with, your Membership in the Association. You acknowledge that you are not relying on the Companies’ skills or judgments in selecting any third-party provider or Benefits or services available to you. In the event that any product or service purchased or received by you is cancelled, modified, defective or otherwise unsatisfactory to you, you will look solely to the provider, seller, merchant, or manufacturer of the product or service for any repair, exchange, refund, or satisfaction of the claim. It is further understood that all Benefits are subject to the availability of such Benefits, which may change without notice for reasons beyond the reasonable control of the Companies.
GENERAL RELEASE. You on behalf of yourself and all of your covered Dependent Family Members hereby forever release, acquit and discharge each of the Companies and their respective officers, directors, employees and agents from any and all liabilities, claims, demands, actions and causes or action that you, or your covered Dependent Family Members may have by reason of any monetary damage or personal injury sustained as a result of or in connection with the provision or lack thereof of any and all Benefits or other benefits, services, or merchandise made available through or as a result of your Membership in the Association. The sole recourse available to you and your covered Dependent Family Members shall be cancellation of your Membership and any refund available as provided in the Risk-Free Review Period section of these Terms and Conditions.
PAYMENT TO PROVIDERS FOR PRODUCTS AND SERVICES. You agree that you and your covered Dependent Family Members are solely responsible for payment of any amounts due for products or services obtained by you or your covered Dependent Family Members in connection with your Membership. Failure to make prompt payment of the amounts due may result in the termination of your Membership. None of the Companies shall be considered either a guarantor or payor for any products or services provided to any Member by any third party.
USE OF MEMBER INFORMATION. Keeping your financial and personal
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information secure is one of our most important responsibilities. HCCUA has established a Privacy Policy in furtherance of this responsibility. The Privacy Policy is available to all Members at www.HCCUA.org, and you may request a copy of the Privacy Policy in writing by calling Member Services.
IMPORTANT NOTE ABOUT TELEMEDICINE SERVICES. Telemedicine services are a complement to primary care, not a substitute. If your primary care physician is unavailable, the licensed physicians using this telemedicine platform may be able to help you with common ailments. Telemedicine is not suitable for use by individuals who need emergency care. If you need emergency care, please dial 911. If you are uncertain as to whether you require emergency care, a physician may be consulted through the telemedicine system to help you make that determination.
Healthcare professionals utilizing HCCUA’s contracted telemedicine system must abide by all applicable laws, rules and regulations. In some states these laws, rules and regulations may prohibit a doctor from diagnosing a medical condition or prescribing medications in the absence of an in-person examination. A prescription is not guaranteed and will only be issued when clinically appropriate. Healthcare professionals utilizing the telemedicine system may, in certain instances, recommend you make an appointment with a physician (preferably your primary care physician) for an in-person examination and may recommend follow-up care. When using the telemedicine system, it is critical that you describe your symptoms accurately and honestly. Make sure you tell the physician about any medications you are taking. The more information the physician has, the better.
Please understand that telemedicine has limitations that may prevent a physician from diagnosing certain conditions or recommending treatment. In such instances, you should make an appointment with a physician for an in-person examination. You will be asked to provide a health history prior to any consultation along with a consent to receive telemedicine services.
Healthcare professionals using this technology platform are independent professionals and solely responsible for the medical services provided. Neither HCCUA nor the telemedicine system provider are healthcare providers and they do not interfere with the services provided by these independent healthcare professionals.
ADDITIONAL TERMS & CONDITIONS FOR TELEHEALTH
Welcome to the INTERACTIVE MD, LLC Web site (the “Site”) Terms of Use. As used in these Terms of Use, references to “INTERACTIVE MD” means INTERACTIVE MD, LLC, a Florida limited liability company.
INTERACTIVE MD provides access to online and telephonic health-related information and services, including telephonic and secure e-mail inquiries and diagnostic consultations with physicians (“Inquiry/Consultation Administration”). Such physicians are members of participating networks and are either independent contractors or employees of certain Professional Associations (“Participating Physicians”). Additionally, INTERACTIVE MD provides access to electronic medical record storage services for both the patient and the Participating Physician (“Medical Records Storage Service”). Hereinafter, Inquiry/Consultation Administration and Medical Records Storage Service may collectively be referred to as the “Services”. These Terms of Use apply to your use of the Site and, to the extent referenced, to your registration for, subscription to, and use of the Services. THE SERVICES DO NOT INCLUDE THE PROVISION OF MEDICAL CARE, MEDICAL ADVICE OR THE PRACTICE OF MEDICINE BY INTERACTIVE MD. RATHER, THE SERVICES ENABLE ACCESS TO PARTICIPATING PHYSICIANS WHO HAVE AGREED TO PROVIDE MEDICAL CONSULTATIONS TO PATIENTS (“Consultations”) AND TO ANSWER MEDICAL
CARE INQUIRIES (“Inquiries”) USING INTERACTIVE MD’S SERVICES. INTERACTIVE MD ARRANGES FOR ACCESS TO MEDICAL CARE; IT DOES NOT PROVIDE MEDICAL CARE. By using the Service you, your dependent(s), if any, and any other person accessing your INTERACTIVE MD account (collectively, “you” unless otherwise indicated) are agreeing to comply with all applicable laws and regulations, and the following terms and conditions:
Eligibility to Register on the Site, Subscribe to the Services and Use this Site and/ or the Services
INTERACTIVE MD requires that its Agreements be made with persons who are qualified to contract. You represent and warrant that you are at least eighteen years of age and that you possess the legal right and ability to agree to and abide by the terms set forth in this Terms of Use, to register on the INTERACTIVE MD Site, to enroll for Services and to use the Services in accordance with this Terms of Use and abide by any and all of the obligations as described hereunder. If a dependent or other person accessing your account is under the age of eighteen (18) years, a parent or guardian must accept this Agreement and must be present at all Consultations. You, or the parent or guardian, assume full responsibility for ensuring that the authentication information is kept secure and that the information submitted is accurate. You agree to prohibit anyone else from using your password and/or pin number and to immediately notify INTERACTIVE MD in writing of any unauthorized use of your password and/or pin number or other security concerns of which you become aware.
You also represent that you are not a person barred from enrolling for and/ or receiving Services under the laws of the United States or other applicable jurisdictions in which you may be located. Access to and use of the Site and/or the Services is limited to users in the United States. However, recognizing the global nature of the Internet, it may be possible to access and/or use the Site and/or the Services outside of the United States. In the event of such access and/ or use, you agree to comply with all laws and regulations of the United States of America and of any jurisdiction from which you access the Site or Services regarding online conduct and transmission of information, including, without limitation, all applicable laws and regulations regarding the transmission of technical data exported from the United States or any other jurisdiction, and you acknowledge that INTERACTIVE MD makes no representation or warranty that any of the Services, or any information on the Site or transmitted via a Service is lawful in any jurisdiction outside the United States.
To register on the Site, to subscribe to the Services and to use this Site and the Services, you agree: (i) to comply with these Terms of Use, (ii) to fully, accurately and truthfully complete the registration profile, including, but not limited to, your name, mailing address, phone number and email address (which must be valid) (“Personal Contact Information”) and your Medical History Assessment, (iii) to fully, accurately and truthfully complete any other items requested or required when you use the Site or the Services, (iv) to set your Internet browser to accept “cookies” from the Site, and (v) that by registering on the Site, subscribing to the Services and/or using the Site or the Services you are agreeing to opt-in to the receipt of communications, such as newsletters and offers, by mail or email from INTERACTIVE MD. If you do not wish to receive such communications, you may opt-out at any time, but in doing so, you shall be prohibited from use of the Services offered through Interactive MD. See “CANSPAM ACT Compliance,” below.
You consent to: (i) INTERACTIVE MD’s disclosure of your Personal Contact Information with agents and employees of INTERACTIVE MD and for any other reason described in our Privacy Notice; and (ii) the use of “cookies.”
In order to determine your compliance with these Terms of Use and the Notice of Privacy Practices (the “Privacy Notice”) we reserve the right, but not the obligation, to monitor your access to and use of the Site and the Services. INTERACTIVE MD may, in its sole discretion, refuse to accept your registration or subscription due to noncompliance with any eligibility or subscription requirement.
Modification to Terms of Use
INTERACTIVE MD reserves the right to modify the Terms of Use periodically, for any reason, and without notice. Please review this Agreement online at www. INTERACTIVE MD.com/terms so you will be apprised of any changes made to this page. You agree that, during the period of this Agreement INTERACTIVE MD may revise the terms and conditions of this Agreement; and change the Services provided under this Agreement. Any such revision or change will be binding and effective immediately upon the posting of the revised Agreement or change to the Service(s) on our web site. Unless we expressly note otherwise, these terms incorporate and supersede any other terms associated with the Services. INTERACTIVE MD has the right to discontinue service, or deny access to anyone who violates our Policies or the
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Terms of Use stated herein, without prior notice or warning.
Services Provided
INTERACTIVE MD’s Services are not for use for medical emergencies or urgent situations. IF YOU THINK YOU HAVE AN EMERGENCY, CALL/DIAL 911, IMMEDIATELY! INTERACTIVE MD makes no warranty as to the content of any treatment response. You and the Participating Physician are solely responsible for all information and/or communication sent during a Consultation or other communication. INTERACTIVE MD does not guarantee that a telephonic Consultation or a secure e-mail Consultation is the appropriate course of treatment for your particular health care problem. You agree to contact your primary care physician immediately should your condition change or your symptoms worsen. If you require urgent care, you should contact your local emergency services immediately. The Services are offered on an “as is” basis and used by you solely at your own risk. All specific information provided by you in connection with the Services shall be used to provide services and features to you and to maintain the associated web sites. INTERACTIVE MD shall make no effort to validate any information provided by you for use with the Services for content, correctness or usability. Use of INTERACTIVE MD services requires a certain level of knowledge of the use of the Internet and World Wide Web. You are required to have the necessary knowledge to use the Internet and the World Wide Web. INTERACTIVE MD reserves complete and sole discretion with respect to the operation of the INTERACTIVE MD Services. INTERACTIVE MD may, among other things withdraw, suspend or discontinue any functionality or feature of the INTERACTIVE MD Services.
Electronic Medical Records
Your INTERACTIVE MD Electronic Medical Record (“Electronic Medical Record”) is created for you to enter, store, access and update your personal health information online, including medical history, current health conditions, symptoms, allergies, and medications (“Medical History Assessment”), and for your Participating Physician to record the results of his or her medical encounters with you in accordance with his or her obligations under applicable state and federal law with regard to creating and maintaining your medical record. If you complete and submit your Medical History Assessment online, there is no charge for submitting it. If, however, you wish to complete and submit the same over the telephone, Interactive MD shall provide a service agent to assist you, in which case there will be a ten dollar ($10.00) charge for this service. Any information provided as part of a telephonic or secure e-mail Consultation becomes part of your INTERACTIVE MD Record. You agree to provide accurate and complete information for your Electronic Medical Record, to periodically review such information, and to update information that you provide as needed. For additional information regarding use of your Electronic Medical Record, please see the Privacy Notice. It is your sole responsibility to confirm the accuracy of any and all information included in your Electronic Medical Record, including third party information, and to update such information as needed. PLEASE NOTE THAT IT IS SOLELY THE PARTICIPATING PHYSICIAN’S OBLIGATION TO USE AND DISCLOSE THE INFORMATION INCLUDED IN YOUR ELECTRONIC MEDICAL RECORD IN ACCORDANCE WITH APPLICABLE STATE AND FEDERAL LAW, INCLUDING, WITHOUT LIMITATION, OBTAINING ANY CONSENTS OR AUTHORIZATIONS THAT MAY BE REQUIRED FOR YOUR INFORMATION TO BE SHARED WITH OTHER PARTICIPATING PHYSICIANS. HOWEVER, BY REQUESTING A DIAGNOSTIC MEDICAL CONSULTATION, YOU AGREE TO DISCLOSE THE CONTENTS OF YOUR COMPLETE ELECTRONIC MEDICAL RECORD TO THE PARTICIPATING PHYSICIAN WHO CONDUCTS YOUR DIAGNOSTIC MEDICAL CONSULTATION. ALL MEDICAL CONSULTATIONS ARE RECORDED AND THE AUDIO RECORDINGS SHALL BECOME PART OF YOUR ELECTRONIC MEDICAL RECORD. SIMILARLY, ALL EMAILS FROM SECURE EMAIL MEDICAL CONSULTATIONS ARE SAVED AND SHALL BECOME PART OF YOUR ELECTRONIC MEDICAL RECORD.
INTERACTIVE MD is not responsible for maintaining data arising from use of the INTERACTIVE MD Services. INTERACTIVE MD reserves the right to maintain, delete or destroy all communications and materials posted or uploaded to the Services pursuant to its internal record retention and/or destruction policies.
Prescriptions
Please note that only if you have fully completed and submitted the Medical History Assessment and conducted a diagnostic medical consultation by telephone with a Participating Physician, may the Participating Physician conducting the diagnostic medical consultation prescribe medication for you, as determined appropriate by the Participating Physician in his/her sole discretion and professional judgment and within legal limitations. Participating Physicians will rely on the information contained within your Medical History Assessment, therefore it is your sole responsibility to confirm that such information is accurate and up to date. Any prescriptions will be called into the local pharmacy which you have designated in your Electronic Medical Record. NOTE: Prescriptions classified as controlled substances, scheduled medications, or where otherwise prohibited by federal or state law shall not be prescribed by, or available through, Participating Physicians. You agree that any prescriptions that you acquire from a Participating Physician shall be solely for your personal use. You agree to fully and carefully read all provided product information and labels and to contact a physician or pharmacist if you have any questions regarding the prescription.
Third Party Web Site
INTERACTIVE MD may provide links to third parties’ Web sites. Please be aware that by clicking on a banner advertisement that appears on one of the pages of the Site, you may be transported to a third party’s Web site and away from this Site. These Terms of Use and the Privacy Notice apply to your relationship with INTERACTIVE MD only and do not describe the terms of use, privacy policies or other policies of third parties with regard to (but without limitation) the collection, use and disclosure of personally identifiable information and personally identifiable health information. INTERACTIVE MD is not responsible for the terms of use, privacy practices, accuracy, copyright compliance, legality, decency or any of the Information, products, services or any transmissions received by or through third parties. If you click on a banner advertisement or a link to a third party’s Web site, you should review the privacy policy of the third party’s web site to determine that third party’s practices with regard to the collection, use and disclosure of personally identifiable information and personally identifiable health information. Any link on the Site to any third party’s Web site does not imply an endorsement of the terms or privacy practices of any third party by INTERACTIVE MD. Third parties are not authorized to make any representation or warranty on INTERACTIVE MD’s behalf. You agree that INTERACTIVE MD has no liability, obligation or duty whatsoever for any third party’s terms of use or privacy practices or any third party’s Web sites and your use or misuse of them. If you wish to suspend e-mail or mail communications from third parties, you must contact them directly.
Use and Privacy
The network resources of INTERACTIVE MD may not be used to impersonate another person or misrepresent authorization to act on behalf of others or INTERACTIVE MD. All messages transmitted via INTERACTIVE MD should correctly identify the sender; you may not alter the attribution of origin in electronic mail messages or posting. You shall not attempt to undermine the security or integrity of computing systems or networks of INTERACTIVE MD, its Partners, or those accessed through or with their product, and must not attempt to gain unauthorized access. All specific information you provide in connection with the Services shall be governed by the INTERACTIVE MD Privacy Policy which can be found at www.INTERACTIVE MD.com/privacy. As part of these Terms of Use, you warrant that you understand, and have read and accepted all terms and conditions contained within the INTERACTIVE MD Privacy Policy. INTERACTIVE MD reserves the right to terminate any account that does not include a valid email address on file. This email address must be stored in the profile for your account on the INTERACTIVE MD system.
Service Reliability and Warranties
INTERACTIVE MD makes no warranties or representations of any kind, whether expressed or implied for the Services. Your use of INTERACTIVE MD Services is at your sole risk. Neither INTERACTIVE MD, its employees, directors, affiliates, agents, third party information providers, merchants licensers or the like, warrant that INTERACTIVE MD Services will be uninterrupted, timely, secure or error free; nor do they make any warranty as
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to the results that may be obtained from the use of the Services or as to the accuracy, reliability or content of any information, service or merchandise contained in or provided through the INTERACTIVE MD Services, unless otherwise expressly stated in this Agreement.
INTERACTIVE MD also DISCLAIMS ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE and will not be responsible for any damages that may be suffered by you, or viewers of your materials, including loss of data resulting from delays, non-deliveries or service interruptions by any cause or errors or omissions of INTERACTIVE MD. Use of any information obtained by way of INTERACTIVE MD is at your own risk, and INTERACTIVE MD specifically denies any responsibility for the accuracy or quality of information obtained through its services. INTERACTIVE MD makes no warranty that the Services will meet your requirements. INTERACTIVE MD is not responsible for transmission errors or corruption or compromise of data carried over local or interchange telecommunication carriers.
Disclaimers
YOU ACKNOWLEDGE THAT YOUR USE OR MISUSE OF THE SITE AND THE SERVICES
IS AT YOUR SOLE RISK, AND THAT YOU ASSUME FULL RESPONSIBILITY FOR ALL RISK ASSOCIATED THEREWITH. ALL INFORMATION, PRODUCTS, AND SERVICES CONTAINED ON OR PROVIDED THROUGH THIS SITE ARE PROVIDED “AS IS” WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, INTERACTIVE MD AND ITS MANAGERS, MEMBERS, SHAREHOLDERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS AND REPRESENTATIVES (COLLECTIVELY, “AFFILIATES”) HEREBY DISCLAIM ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT AND FREEDOM FROM COMPUTER VIRUS STRAINS. WITHOUT LIMITING THE FOREGOING, INTERACTIVE MD MAKES NO WARRANTY AS TO THE RELIABILITY, ACCURACY, TIMELINESS, USEFULNESS, ADEQUACY, COMPLETENESS OR SUITABILITY OF THE INFORMATION, PRODUCTS, AND
SERVICES PROVIDED HEREUNDER. WITHOUT LIMITATION OF THE FOREGOING, INTERACTIVE MD SPECIFICALLY DISCLAIMS ALL LIABILITY FOR THE ACTS OR
OMISSIONS OF ANY PARTICIPATING PHYSICIANS PROVIDING MEDICAL CARE TO SUBSCRIBERS.
You acknowledge and agree that we are not responsible for (i) any printing, typographical or technological errors regardless of the matter, media, material or form thereof, (ii) electronic, human, equipment programming or other error, omission, interruption, defect or delay which may occur regardless of the matter, media, material or form thereof, (iii) incorrect, inaccurate, late, lost, stolen, illegible, incomplete or misdirected matters or information regardless of the matter, media, information or form thereof, (iv) technical failures of any kind, (v) inadvertent loss of information; and/or (vi) unauthorized human intervention in any part, material or process or otherwise.
INTERACTIVE MD MAKES NO REPRESENTATIONS OR WARRANTIES ABOUT:
THE SATISFACTION OF GOVERNMENT REGULATIONS REQUIRING DISCLOSURE
OF INFORMATION ON PRESCRIPTION DRUG PRODUCTS; OR ANY TREATMENT, ACTION OR APPLICATION OR PREPARATION OF MEDICATION BASED ON INFORMATION OFFERED OR PROVIDED THROUGH THE SERVICES.
INTERACTIVE MD does not endorse the promotions, products or services of any third parties. INTERACTIVE MD does not warrant or validate the information of any third party’s advertisements, promotions, communications, or other materials. INTERACTIVE MD does not assume any responsibility or liability for the accuracy of information contained in the Site or as stated above under “Third Party Web Sites.”
Content Disclaimers
You should not use information found on this Site to replace a relationship with a physician or other healthcare professional and should not rely on the foregoing as professional medical advice. Always seek the advice of a physician or other qualified healthcare provider concerning questions you have regarding a medical condition, and before starting, stopping or modifying any treatment or medication. In the case of a health emergency, seek immediate assistance from emergency personnel. Never delay obtaining medical advice or disregard medical advice because of something you have or have not read on this Site.
NEITHER THIS SITE, NOR INTERACTIVE MD PROVIDES MEDICAL ADVICE. THE PARTICPATING PHYSICIANS ARE NOT EMPLOYEES OF INTERACTIVE MD AND THEY ARE DIRECTLY RESPONSIBLE FOR THE QUALITY AND APPROPRIATENESS OF THE CARE THEY RENDER DIRECTLY TO YOU. The information and the Services provided on or through this Site are intended solely as a general educational aid and to assist you in finding a Participating Physician that, subject to his or her professional responsibilities, may or may not provide you with medical advice. The information and Services are not medical or health care advice for any individual problem or a substitute for medical or other professional advice and services from a qualified health care provider. Nothing contained in this Site is intended to be used for medical diagnosis or treatment or construed, directly or indirectly, as the practice of medicine or providing medical services by INTERACTIVE MD. Information contained in this Site is compiled from a variety of sources and may or may not be considered authored by INTERACTIVE MD. INTERACTIVE MD makes no representation or warranty as to any such Information.
Fraud Prevention and Security
INTERACTIVE MD may contact you by telephone, mail or email to verify your Personal Contact Information. INTERACTIVE MD reserves the right to request further information from you and you agree to provide such further information, to ensure you have not fraudulently completed your registration on the Site or subscription to the Services. If you do not provide this information to INTERACTIVE MD, in the manner requested within fourteen (14) days of such request, INTERACTIVE MD may reject your registration and subscription or suspend your registration and subscription until you satisfactorily comply with INTERACTIVE MD’s information request.
Intellectual Property
INTERACTIVE MD hereby grants you a limited, revocable, non-transferable and non-exclusive license limited solely to viewing or downloading a single copy of the material on the Site and to use the INTERACTIVE MD software to the extent necessary to use the Services solely for your personal, noncommercial use. With the exception of your Electronic Medical Records, INTERACTIVE MD retains all right, title and interest in and to INTERACTIVE MD, the Services and any information, products, documentation, software or other materials on the Site, and any patent, copyright, trade secret, trademark, service mark or other intellectual property or proprietary right in any of the foregoing, except for information on the Site licensed by INTERACTIVE MD, and in that case, the license provider retains all right, title and interest therein. The information available through the Site and the Services is the property of INTERACTIVE MD, or if licensed by INTERACTIVE MD, the license provider. You agree not to reproduce, retransmit, distribute, disseminate, sell, publish, broadcast, or circulate such information to anyone. Use, reproduction, copying, or redistribution of INTERACTIVE MD’s trademarks, service marks and logos is strictly prohibited without the prior written permission of INTERACTIVE MD. The immediately foregoing sentence also applies to any third party trademarks, service marks and logos posted on the Site. Nothing contained on the Site should be construed as granting, by implication, estoppels, waiver or otherwise, any license or right to use any trademarks, service marks or logos displayed on the Site without the written grant thereof by INTERACTIVE MD or the third party owner of such trademarks, service marks and logos. The Site may contain other proprietary notices and copyright information, the terms of which you must and agree to follow.
Your Submissions to INTERACTIVE MD
TERMS AND CONDITIONS
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INTERACTIVE MD welcomes your comments, suggestions and submissions. Any comments, suggestions and submissions made by you, including but not limited to, messages, notes, feedback, artwork, communications, computer code or creative materials provided to INTERACTIVE MD shall become the exclusive property of INTERACTIVE MD. At the time the comment, suggestion, and/or submission is made it shall act as a full assignment to INTERACTIVE MD of all rights whatsoever (copyright, patentability, and intellectual property). INTERACTIVE MD shall have the right to use said comment, suggestion, and/ or submission as its own for all legal purposes including but not limited to reproduction, disclosure, publishing, distribution and the like without any compensation to you. This section shall not include any personal information submitted by you that would be included as part of the Health Information Portability and Accountability Act of 1996.
Indemnification
YOU AGREE TO DEFEND, INDEMNIFY AND HOLD HARMLESS INTERACTIVE MD AND ITS AFFILIATES FROM AND AGAINST ANY AND ALL RIGHTS, DEMANDS, LOSSES, LIABILITIES, DAMAGES, CLAIMS, CAUSES OF ACTION, ACTIONS AND SUITS (NO MATTER WHETHER AT LAW OR EQUITY), FEES, COSTS AND ATTORNEYS’ FEES (INCLUDING APPELLATE LEVEL) OF ANY KIND WHATSOEVER ARISING, DIRECTLY OR INDIRECTLY, OUT OF OR IN CONNECTION WITH (I) YOUR USE OR MISUSE OF THE SITE OR THE SERVICES OR ANY INFORMATION POSTED ON THE SITE, (II) YOUR SUBSCRIPTION, (III) YOUR BREACH OF THE TERMS OF USE OR THE PRIVACY NOTICE, (IV) YOUR RELATIONSHIP WITH ANY PARTICIPATING PHYSICIAN, (V) THE CONTENT OR SUBJECT MATTER OF OR ANY INFORMATION
YOU PROVIDE TO INTERACTIVE MD, ANY OF ITS AFFILIATES, ANY PARTICIPATING PHYSICIAN OR CUSTOMER SERVICE AGENT, AND/OR (VI) ANY NEGLIGENT OR WRONGFUL ACTION OR OMISSION BY YOU IN THE USE OR MISUSE OF THE SITE OR THE SERVICES OR ANY INFORMATION POSTED ON THE SITE, INCLUDING, WITHOUT LIMITATION, INFRINGEMENT OF THIRD PARTY INTELLECTUAL PROPERTY RIGHTS, PRIVACY RIGHTS, OR NEGLIGENT OR WRONGFUL CONDUCT.
Third Party Protection
The Indemnification and Disclaimers provisions set forth above are for the benefit of INTERACTIVE MD, and its Affiliates. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf.
Fees for Service
You agree to pay membership fees and/or Consultation fees, if any (“Fees”), as provided on the INTERACTIVE MD web site. All Fees shall only be payable with a valid credit card (“Valid Payment”), and shall be due prior to your receipt of Services. As further consideration for the Services, you agree to provide certain current, complete and accurate information about them as required by the registration for Services and maintain and update this information as needed, to keep it current, complete and accurate. By completing and submitting the registration form you represent that the statements in the form are true and accurate. You agree that any unpaid balance due hereunder shall bear interest at the rate of 18% per annum, or the maximum allowed by law, and that costs of collection, including court costs and reasonable attorney fees shall be added as principal amounts to such balance. INTERACTIVE MD reserves the right to modify its pricing structure at any time and shall post such modifications on the INTERACTIVE MD web site, prior to their implementation.
Scheduled Consultations
You understand and agree that by scheduling a Consultation with a Participating Physician through INTERACTIVE MD, you are committing yourself to be available to speak to the Participating Physician at the scheduled time (“Scheduled Consultation”). You understand and agree that all Scheduled Consultations, cancelled with less than twelve (12) hours notice, will be charged any Fees which may be due as you will be deemed to have used the Services.
Jurisdiction and Choice of Forum
The Terms of Use shall be governed and construed in accordance with the laws of the State of Florida, as amended from time to time, without giving effect to any choice of law rules or principles. You agree that the Terms of Use contract is entered into in the State of Florida. You agree that any litigation filed in relation to the Terms of Use, or to your access to or use of the Services, will be filed in a federal or state court in Palm Beach County, Florida. Any cause of action or claim you may have with respect to INTERACTIVE MD must be commenced within one (1) year after it arises, except to the extent such limitation is not enforceable. To the fullest extent permitted by law, each party to this Terms of Use waives its or his or her right to a jury trial with respect to any dispute or other controversy arising from hereunder or your use of or access to the Services or web site. The Terms of Use, along with your agreement to pay any applicable subscription costs or fees, constitutes the entire understanding of the parties.
Waiver
Failure to exercise or delay in exercising any right hereunder, or failure to insist upon or enforce strict performance of any provision of this Terms of Use, shall not be considered waiver thereof, which can only be made by signed writing.
No single waiver shall be considered a continuing or permanent waiver.
Severability
The provisions of this Terms of Use are severable, and in the event any provision hereof is determined to be invalid or unenforceable, such invalidity or unenforceability shall not affect the validity or enforceability of the remaining provisions, but such provision shall be reformed, if reasonably possible, only to the extent necessary to make it enforceable.
Relationship of Parties
Neither you, nor INTERACTIVE MD, its agents or employees, are the representatives of the other party, for any purpose and neither party has the power or authority as agent, employee or any other capacity to represent, act for, bind or otherwise create or assume any obligation on behalf of the other party for any purpose whatsoever.
Spam and Compliance with Anti -Spamming Laws
INTERACTIVE MD has a strict zero tolerance for unsolicited bulk email, unsolicited posting to news groups or other illegal activities. You shall not use or permit any of its employees, agents or affiliates to: market, promote or solicit INTERACTIVE MD products in ways that violate the federal CAN-SPAM Act (Controlling the Assault of Non-Solicited Pornography and Marketing) or any other federal or state laws or regulations. You shall not infringe the rights of others, shall not distribute chain letters or unsolicited bulk electronic mail (“spamming”); propagate computer worms or viruses; use a false identity; attempt to gain unauthorized entry to any site or network; infringe copyrights, trademarks, or other intellectual property rights. You further agree to comply with U.S. export laws concerning the transmission of technical data and other regulated materials via the Worldwide Web. You agree to indemnify and hold INTERACTIVE MD harmless for any and all acts found or suspected to be in violation hereof. You shall indemnify and hold INTERACTIVE MD harmless against and from losses, damages, costs, and reasonable attorney fees, if any, incurred in defending and/or resolving any suits brought against INTERACTIVE MD or any of its employees, shareholders or officers, arising from any claims, by anyone arising out of an alleged violation of any anti-spamming rules, regulations, laws, statutes, and the like. Your account will be terminated for any of the above infractions. By accepting this agreement you are holding INTERACTIVE MD harmless for any and all of these actions and agree to the policies as stated and as amended from time to time.
Entire Agreement
This Terms of Use, together with any INTERACTIVE MD rules or policies referred to herein, and including your agreement to pay the applicable Fees for subscription to and use of the Services, represents the complete agreement between you and INTERACTIVE MD, and it replaces all prior oral or written communications concerning such subject matter. INTERACTIVE MD may modify this Terms of Use as set forth above.
TERMS AND CONDITIONS
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