FAQ'S
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Smarthealth Advantage is an excellent suite of benefits by itself, or as a complement to any health plan you may choose to carry individually or through an employer. SmartHealth Advantage provides financial relief on medical expenses not covered by your health insurance or use it for expenses that fall below your deductible and co-insurance limits.

FAQ's
STANDARD QUESTIONS
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1. What is SmartHealth Advantage?
2. How do I receive my SmartHealth Advantage program discounts?
3. How can I find a doctor, dentist, eye doctor, or other provider in my area?
4. What kind of restrictions are there regarding current health conditions?
5. Why have physicians, hospitals and facilities agreed to provide members savings?
6. Do I have to go to a certain physician, hospital or facility?
7. Can I see a chiropractor if I am a member of the SmartHealth Advantage program? 8. What is the hearing program with SmartHealth Advantage?
9. How do I save on my prescriptions when going to the pharmacy?

INSURANCE QUESTIONS
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1. Who is eligible for coverage?
2. Who are eligible dependents?
3. Can members use any hospital or doctor?
4. Are Pre-Existing Conditions covered?
5. What is a Pre-Existing Condition?
6. Who should I contact if I have questions about the SmartHealth Advantage benefit package?


STANDARD ANSWERS
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1. What is SmartHealth Advantage?
SmartHealth Advantage is a provider access organization, which arranges for its members to receive discounts on medical, dental, vision, chiropractic, pharmaceutical services and more.
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2. How do I receive my SmartHealth Advantage program discounts?
You will be mailed a membership guide within 5 to 7 business days of activating your membership. Your membership guide will provide you with a Member Identification Card, and an explanation of each of the services and programs within your program. Simply search for your provider, then call Member Services to verify the Providers continued participation. Then you can call to make an appointment, present your card and save!
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3. How can I locate providers for each of the different benefit packages?

Call our toll-free number found on your Member ID Card to locate a participating provider near you, or go online to www.smarthealthadvantage.com. Participating providers are subject to change at any time without notice to Members.
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4. What kind of restrictions are there regarding current health conditions?
There are no restrictions on access to discounts just because you may have a current health condition. As a member, you will receive access to all applicable discounts. However, services in progress or already completed before your membership is effective are not discounted.
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5. Why have physicians, hospitals and facilities agreed to provide members savings?
Physicians, hospitals and facilities have agreed to reduce their rates in exchange for guaranteed payment. Traditionally, access to reduced rates have been limited to insurers and self insured groups.
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6. Do I have to go to a certain physician, hospital or facility?

The decision of a physician, hospital or facility is the member’s choice. To access any savings through the Medical Savings Plan, members must select a participating network provider.
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7. Can I see a chiropractor if I am a member of the SmartHealth Advantage program?
Yes, you will receive significant discounts from participating chiropractor locations nationwide. Members will save up to 30% off usual charges on all diagnostic services and x-rays and adjustment.
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8. What is the hearing program with SmartHealth Advantage?
With your membership you are eligible to receive a 15% discount on Beltone hearing aids at any of their 1,400 Beltone independent locations nationwide.
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9. How do I save on my prescriptions when going to the pharmacy?
All you need to do is visit one of over 55,000 participating pharmacies. Present your card and save an average of 23% off retail on brand name prescription drugs and an average of 55% on generic medications. And you can save 5% to 50% off retail by using the program's mail order service.
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INSURANCE ANSWERS
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1. Who is eligible for coverage?
Any individual under age 65 (and their eligible dependents under age 65, if family program is elected) who are able to engage in substantially all of the usual activities of a person in good health of like age and sex and not confined in a Hospital or rehabilitation or rest facility.
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2. Who are eligible dependents?
Members and lawful spouse; in most states Members unmarried children-natural, adopted or stepchildren up to age 18 (or up to age 23 if a full-time student); Children who are over the age of 18 who become physically or mentally incapable of self-support prior to reaching age 18 and while covered under these plans.
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3. Can members use any hospital or doctor?
Yes. Covered Members and dependents can use any hospital or doctor. (However, you do need to use the Medical Discount Program’s participating providers in order to receive program discounts.)
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4. Are Pre-Existing Conditions covered?
Yes. However, in the first 12 months of enrollments, members may not use the insurance benefits of the program for a pre-existing condition. (However, members do have access to the Medical Discount Program's services and discounts beginning with the membership effective date, regardless of any current health conditions.)
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5. What is a Pre-Existing Condition?
Pre-Existing Condition means: (a) the existence of symptoms which would cause an ordinarily prudent person to seek diagnosis, care or treatment within a one year period preceding the effective date of the covered person's insurance; or (b) a condition for which medical advice or treatment was recommended by a doctor or received from a doctor within a one year period preceding the effective date of the covered person's insurance.
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6. Who should I contact if I have questions about the SmartHealth Advantage benefit package?
Email Customer Service at: customerservice@smarthealthadvantage.com. Please allow 24 hours for any customer service request to be answered. We thank you for your patience
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This package of benefits is not a substitute for comprehensive health insurance.

Disclosures: THIS DISCOUNT PLAN IS NOT INSURANCE. THIS IS NOT A MEDICARE PRESCRIPTION DRUG PLAN*. This plan provides discounts at certain health care providers for medical services. The range of discounts will vary depending on the type of provider and service. The plan does not make payments directly to the providers of medical services. Plan members are obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount medical plan organization. Before purchase, you may access a list of participating health care providers at www.smarthealthadvantage.com. Upon request the plan will make available a written list of participating health care providers. You have the right to cancel within the first 30 days after receipt of membership materials and receive a full refund, less a processing fee not to exceed the amount permitted by your state. Discount Medical Plan Organization and Administrator: Amacore Group, inc., 4929 West Royal Lane, 1st Floor, Irving, Texas 75063; telephone800-446-7142.

Note: Hospital discounts are not available in Maryland or West Virginia.

Note to Texas Consumers: Regulated by the texas Department of Licensing and Regulation, P.O. Box 12157, Austin, Texas 78711; telephone 800-803-9202 or 512-463-6599; website: www.license.state.tx.us/complaints.

Note to Utah Residents: The discount programs are not protected by the Utah Life and Health Guaranty Association.

* Medicare statements applies to MD residents when pharmacy discounts are part of the program.