Plans and Pricing

The four plans

Read down a plan to compare its terms

Each plan contains everything in the plan beneath it. Nothing is removed by choosing a smaller one.

Elite 17 categories · everything

The whole program, including the four categories that appear on no other plan. If dental is why you are here, this is the only plan that has it.

Elite only: dental · 24/7 telehealth · health advocacy · pet care

Retail and mail order pharmacy10–85%
Vision care10–60%
Hearing aidsVaries
Lab testing10–80%
MRI and CT scans40–75%
Mental healthVaries
Durable medical equipment20–50%
Alternative medicine10–30%
Vitamins and supplementsup to 75%
Physician and hospital10–40%
Chiropractic30–50%
Diabetic supplies10–50%
Caregiver supportIncluded
Dental15–50%
Doctors Online — 24/7 telehealthIncluded
Health advocate solutionsIncluded
Pet careVaries

Monthly$39.95$479.40 across a year

Six months$199$33.17 a month · saves $81.40 a year

Annual · best value$299$24.92 a month · saves $180.40 a year

Premier 13 categories

The broad middle. Everything in Preferred, plus physician and hospital discounts, chiropractic, diabetic supplies and caregiver support.

Retail and mail order pharmacy10–85%
Vision care10–60%
Hearing aidsVaries
Lab testing10–80%
MRI and CT scans40–75%
Mental healthVaries
Durable medical equipment20–50%
Alternative medicine10–30%
Vitamins and supplementsup to 75%
Physician and hospital10–40%
Chiropractic30–50%
Diabetic supplies10–50%
Caregiver supportIncluded

Monthly$29.95$359.40 across a year

Six months$169$28.17 a month · saves $21.40 — about 6%

Annual · best value$249$20.75 a month · saves $110.40 a year

Preferred 9 categories

The everyday set, and the first plan to include vitamins and supplements. Everything in Essential, plus lab testing, imaging, mental health, equipment and alternative medicine.

Retail and mail order pharmacy10–85%
Vision care10–60%
Hearing aidsVaries
Lab testing10–80%
MRI and CT scans40–75%
Mental healthVaries
Durable medical equipment20–50%
Alternative medicine10–30%
Vitamins and supplementsup to 75%

Monthly$24.95$299.40 across a year

Six months$129$21.50 a month · saves $41.40 a year

Annual · best value$199$16.58 a month · saves $100.40 a year

Essential 3 categories

Pharmacy, vision and hearing aids. Worth holding if prescriptions are the reason you are looking, and the cheapest way to find out whether the card earns its keep.

Retail and mail order pharmacy10–85%
Vision care10–60%
Hearing aidsVaries

Monthly$19.95$239.40 across a year

Six months$109$18.17 a month · saves $21.40 — about 9%

Annual · best value$149$12.42 a month · saves $90.40 a year

Being straight about the six-month term

On Elite and Preferred it saves a reasonable amount. On Premier and Essential it saves $21.40 across an entire year — about six and nine percent. That is a real figure and it is not much.

If you want to commit for a stretch, the annual is where the saving actually lives. It takes Elite from $39.95 a month down to $24.92, which is less than the Preferred monthly rate for more than twice the categories. And if you would rather not commit at all, pay monthly — there is no penalty for it and no contract on any term.

How the billing works

The things people usually have to ring up and ask

No contract on any term

Including the annual. Committing to a year buys a lower rate, not a lock-in.

Cancel any time

No early termination fee and no retention script to sit through.

Card within ten business days

It works from the day it lands. There is nothing to activate.

Move up or down whenever

If a plan is not earning its keep, change it rather than cancelling outright.

No enrollment season

Join in any month. There is no window and no deadline.

Four plans, three terms each, and what each one really costs over a year.