Non-Insurance Programs
Access to Discount Medical Benefits & Services

In addition to the hospital indemnity benefits provided by Transamerica Life Insurance Company, the plans include a provider network and many other discounts as noted below:

Member Discount Card
This card is provided by New Benefits, Ltd. It offers members access to the Nurses Hotline, counseling services, and benefits for hearing aids. This is not an insurance plan. Information on how to access the benefits of the Member Discount Card will be included in the fulfillment package that each insured member receives from KBA.

Nurses Hotline
The Nurses Hotline allows access to experienced, registered nurses 24 hours a day, 7 days a week, 365 days a year. The hotline nurses are an immediate, reliable, and caring source of health information, education, and support. Services provided by this plan include:

• General information on all types of health concerns
• Information based on physician-approved guidelines
• Answers about medication usage and interaction
• Information on non-medical support groups
• Translation services for non-English speaking callers
• Full-time medical director on staff

Hearing Aid Benefit
The Hearing Aid benefit provides savings of up to 15% off the retail cost on over 70 models of hearing aids and a free hearing test when utilizing one of the 1,200 participating Beltone® locations nationwide. The member can also realize savings of up to 50% off the suggested retail price on over 90 models of hearing aids in over 1,000 locations nationwide.*

Counseling Services
The Counseling Services benefit allows the member to speak with a counselor 24 hours a day, 7 days a week regarding any personal problems they may be facing. In addition, if the member is referred to one of the 27,000 counseling providers nationwide, they will receive discounts of 25%-30% off the normal billing charges from those providers.*

*Discounts on professional services are not available where prohibited by law.

Beechstreet PPO Network (non-insurance)
Our national Preferred Provider Organization (PPO) offers a medical provider network with over 520,000 physicians and more than 3,500 hospitals throughout the United States. Members have access to a broad network of independently contracted physicians, hospitals, and healthcare professionals who provide services at negotiated, discounted rates. While all limited benefit plans may seem equal, using the PPO network (combined without knowledge and years of healthcare experience) allows members to save dollars on their healthcare services. For more information, visit www.beechstreet.com.

Teledoc
Teledoc allows a member access to telephone medical consults with licensed physicians who diagnose medical problems and prescribe short-term medication when appropriate. All licensed physicians specialize in telephone medical consults. They are primary care physicians, internists, and urgent care physicians. Physicians are available 24 hours a day, 365 days a year.

Member Services
Members can access benefit information and other services by dialing one toll free number. We are available Monday through Friday from 8:00 a.m. To 7:00 p.m. Eastern Standard Time to provide information on the following:

• Account management
• Member eligibility
• Verification of benefits
• General policy questions
• PPO network information
• Patient advocacy program