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Healthcare Cost Containment Plan

With skyrocketing healthcare costs and the impact of the new healthcare legislation, unique solutions for cost containment have never been more relevant.

While most employers are busy studying ways to reduce coverage and increase deductibles as their principal way of containing costs, a dramatic savings can now be achieved by providing low cost benefit alternatives that dramatically reduce claims and provide alternative benefits that maybe cheaper than similar benefits offered through the plan.

Introducing VIR’s Healthcare Cost Containment Plan (“HCCP”), a new way of lower your healthcare costs while increasing benefits to your employees. HCCP aggregates a combination of non insurance healthcare alternatives designed to reduce claims against your current plan. Thus, the savings achieved by filing fewer claims against your plan this year will be reflected accordingly in next year’s premium. Additionally, by offering alternative benefits that can replace more expense plan options, this can reduce existing plan costs.

HCCP focuses on 6 key ways to achieve this goal for a cost of under $10 per month per employee:

  • Doctors By Phone Network

    Our Doctors by Phone Network offers 24/7 access to its proprietary nationwide cross-coverage network of U.S. licensed physicians for telephone and secure e-mail medical consultations. Physicians provide specific answers to medical questions and advice regarding non-emergency, routine medical conditions. Physicians discuss symptoms, recommend treatment options, diagnose many common conditions and prescribe medication when appropriate.

    An employee can connect via telephone or e-mail, free of charge, with its network of physicians for informational or diagnostic consultation. This means that when an employee is ill with routine illnesses, instead of waiting to get an appointment with their doctor and then missing a day from work to go to the doctor’s office, they instead pick up the phone and visit directly with a doctor that can diagnosis their issue and if appropriate call in their prescription to the employees local pharmacy. Less lost time at work and no claims against your plan for these visits are the results of this unique benefit.

    Highlights

    • Never wait for an appointment or sit in the doctor's office again
    • On-demand healthcare—wherever and whenever you need it
    • Access to a physician from anywhere via telephone or e-mail, 24 hours a day, 7 days a week
    • Physicians discuss symptoms, recommend treatment options, diagnose many common conditions and prescribe medication when appropriate.
    • Save money by avoiding unnecessary doctor’s office or ER visits.
    • Physicians are U.S.-based, licensed, board-certified, rigorously credentialed and experienced
    • Instant, affordable treatment for all ages—from children to senior citizens
    • Powerful online health tools that empower members to lead healthier, more productive lives
    • Prescriptions phoned into your local pharmacy for pickup
    • HIPAA compliant and confidential
    • Store, manage and share your medical records from one central location with the Free Personal Health Record (PHR)

  • Discount Retail Pharmacy Card

    The neighborhood pharmacy program assures members the lowest price on prescription drugs, saving 10% to 85% on most prescriptions at over 60,000 national and regional pharmacy chains. While you may already offer a pharmacy card through your current plan, this addition gives the employee a valuable choice when paying for their needed prescriptions.

    Due to higher deductibles, employees often face the painful reality of having to pay the high price of pharmaceuticals out of pocket until their deductibles are met. Our Discount Retail Pharmacy Card allows the employee to get the same basic costs for their prescriptions as an insurance company pays, which can dramatically reduce their out of pocket costs. When an employee chooses this option, it also means that they are not filing a claim against your plan.   

    It's simple to use. The member simply presents the membership card to the pharmacist with the prescription. The pharmacist calculates the discount and the member pays the discounted price. No other forms required.

    Highlights

    • 10% to 85% savings on most medications.
    • Over 60,000 national and regional pharmacy chains participate as well as independent pharmacies.
    • No pharmacy program is complete unless it includes both retail locations where members may fill acute care medications and a mail order program so members may optimize their savings by purchasing maintenance prescriptions in 90 day supplies to treat ongoing ailments.
    • Do not call the pharmacy for price quotes. Prices may change from day to day and they cannot be given over the telephone.

  • Discount Dental Network

    Dental insurance is an expensive option that does not provide a significant overall benefit due to annual limitations. Our Discount Dental Network plan is not insurance but a discount pricing program offered through network of providers.

    This dental network provides members with discounts of 15% to 50%* on dental services at over 81,000** available dental practice locations nationwide in most instances. Members simply present their card bearing benefits card, along with payment in full of the discounted fee, for immediate savings at the time services are rendered. Members will want to utilize their card and enjoy the savings time and time again.

    Highlights

    • Members save 15% to 50%* in most instances on services from general dentistry and cleanings to root canals, crowns and orthodontia.
    • Over 125,000 ** dental practice locations.
    • Save on routine dental services such as x-rays and fillings.
    • Save on specialty care such as orthodontics and periodontics where available.

    Dental Benefit is not available to VT residents.
    *Actual costs and savings vary by service, provider and geographical area.
    ** According to the Aetna Enterprise Provider Database as of June 1, 2009

  • Discount Vision Care

    Our vision care provider has contracted with over 12,000 eyecare locations nationwide. Members save on eyeglasses, contacts, eye exams and surgical procedures.

    The CTC provider network is the most comprehensive in the U.S. and includes ophthalmologists, optometrists, independent optical centers and national chain locations such as Pearle Vision, JCPenney Optical, Sears Optical, Target Optical, LensCrafters, EyeMasters and QualSight LASIK.

    Highlights

    • Savings of 20% to 60% on prescription eyewear.
    • Also, save 10% to 20% on contact lenses (excluding disposables) at participating retail locations.
    • Savings of 10% to 30% on eye exams.
    • Save 40% to 50% off the overall national average on LASIK surgery (PRK and CK available at select locations).
    • Most frames, lenses and specialty items such as tints, coatings and UV protection are available.
    • No limit on the number of times membership may be used during the year.
    • Two guarantees - 30 day unconditional money-back satisfaction guarantee and low price guarantee on eyeglasses
    • Members may nominate their own eye care professional to join the network.

     Vision Benefit is not available to VT residents.

    Ophthalmology and Laser Surgery

    Savings of 10% to 30% on eye exams and surgical procedures, including LASIK where available. Through QualSight LASIK, you may save 40% to 50% off the overall national average on LASIK surgery (PRK and CK available at select locations).

    Our discount network provider has contracted with ophthalmologists (M.D.s) in selected markets across the country to provide you with discounts on eyeglasses, contact lenses, eye exams, and surgical procedures (including PRK and LASIK surgery) where available. If there is not an ophthalmologist in your employee’s area, they may give the doctor's name, address, and phone number to a plan representative and their doctor will be invited to join the program.

    In keeping with our tradition of utilizing both chain and independent providers, we contract with national chains of laser surgery centers to provide discounts on refractive laser surgery. In addition, we contract with independent ophthalmologists who also provide discounts on refractive surgery.

  • Discount Lab and Imaging Network

    IMAGING

    Members receive discounts of 10% to 60%* off usual charges for MRI and CT procedures while utilizing credentialed radiology providers. These radiologists deliver tests and test interpretations which lead to appropriate diagnosis and effective treatment.

    LAB

    Members also receive discounts off usual charges for blood tests and all other lab testing. The network provides affordable laboratory testing, which leads to appropriate diagnosis and effective treatment.

    Highlights

    • Largest panel of radiologists and imaging specialists
    • Over 2,900 outpatient radiology facilities in all 50 states
    • Multilingual customer service staff
    • Priority appointment scheduling
    • Scheduling with open or closed imaging equipment based on specific needs or member preference.
    • Coast-to-coast network** with hours of operation 8:00 am-8:30 pm EST
    • No limit to the number of times you may use this service

    Savings may vary based on geographic location, provider selected and procedure performed.
    **The lab network portion of this benefit is not available in NJ, NY and RI.

  • Discount Hearing Aides

    You employees will enjoy access to a variety of hearing programs providing hearing aid discounts of 15% to 58% in retail locations nationwide and discounts of 40% to 60% through the mail order program.

    Retail Hearing Aids

    Members may select from 1,350 Beltone locations nationwide to receive a free hearing screening and 15% off over 70 models of Beltone Hearing Aids. All technologies and models are available including state of the art digital hearing aids, along with Completely-In-the-Canal, In-the Ear and Behind-the-Ear models. BelCare™ standardized 12 point customer service program ensures consistent delivery of professional and comfortable service, regardless of location.

    Members also receive a 35% discount off hearing aid prices at more than 2,000 Newport Audiology Centers full service locations.

    Mail Order Hearing Aids

    • Save 40% to 60% off average National Retail Pricing on over 100 models of name brand hearing instruments.
    • Receive the lowest price available.
    • 45-day in-home trial period and one full year factory warranty

    Any make/model hearing aid less than five years old may be repaired with a six month warranty for just $90.00 or with a 12-month warranty for just $115.00 (digital or analog programmable aids are slightly more, depending upon model).

All these for under $10 per month!!

VIR can also provide  a vast array of addition benefits  like identity  theft protection, discount  legal services, roadside assistance, discount pet care, and  an online employee  discount CashBack shopping mall featuring over 3000 of the nation’s top stores offer special  savings.

Healthcare Plan Advantages

  • Non insurance healthcare alternatives

  • Reduces your overall healthcare costs

  • Increases benefits to your employees

  • Reduces claims against your current plan

  • Reduces future premium costs of your plan

  • Low costs of under $10 per month per employee