What each one actually covers, what it saves, which plans carry it, and where it does not apply. Where a range is published it is here; where one is not, it says Varies rather than guessing at a number that sounds better.
Prescriptions collected at the counter or posted to you. The widest range on the program, and the reason most households join in the first place.
Over-the-counter vitamins and supplements ordered through the program.
Monitors, test strips, lancets and the consumables that go with them — the sort of repeating cost where a modest percentage adds up over a year.
Wheelchairs, walkers, braces, hospital beds and similar equipment through network suppliers.
Blood work and standard panels ordered by your own doctor.
Excluded in Maryland, New Jersey, New York and Rhode Island. Everything else on the program still works in those four states.
Imaging at contracted centers. The narrowest range on the program and the highest floor — the least you save here is forty percent.
Eye examinations, frames, lenses and contacts.
Testing, devices and fitting through network providers.
Adjustments and ongoing treatment. Rates are set per visit, which is why the floor is high.
Office visits and hospital charges at participating providers. One of only two categories that extends to family members as well as the cardholder.
Acupuncture, massage therapy, naturopathy and related practice.
Cleanings, fillings and routine dentistry, on the largest network the program has. Usually the single category that decides whether a plan pays for itself.
Elite only. Dental is on no other plan at any price, and if it is the reason you are looking, no other plan will help.
Counselling and therapy through network providers.
Help for the person doing the caring rather than only the person being cared for. A service you are given, not a percentage off a price.
Speak to a doctor by phone or video at any hour, without an appointment. Extends to the household, not just the cardholder.
Telemedicine is regulated state by state, so availability depends on where you live.
Someone to deal with the system on your behalf — finding providers, chasing paperwork, sorting out billing disputes. The category that matters most if you are managing somebody else’s care.
Veterinary savings, included because the vet bill is a household expense like any other.
The percentages come from the published discount schedules. Where a category is a service rather than a negotiated rate — telehealth, advocacy, caregiver support — there is no percentage to quote, because you are not getting money off a price. You are getting the thing itself, so those read Included.
Where a category has no published range at all, it says Varies. We would rather leave that honest than fill it with a number we cannot stand behind — and a program that quotes a firm figure for every one of seventeen categories is worth a second look.
Tell us what you actually spend on and which state you are in, and we will work out whether the categories you use justify the plan they sit on.
See which plan covers what you use
About five minutes. Nothing to fill in.
