| Q: |
What is the Sele-Care Discount Program?
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| A: |
Sele-Care offers a Discount Dental, Pharmaceutical and Vision program. This program is available to individuals and groups in most states. The Dental program offers savings of 20% - 50% on most Dental procedures including routine oral exams, unlimited cleanings and major work such as dentures, root canals and crowns. The pharmaceutical program is accepted in all major pharmacies and offers 20% to 60% off generic prescriptions and 20% off brand name prescriptions.
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| Q: |
Can I join this Discount Plan immediately?
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| A: |
YES. There is no waiting, simply complete the application and you will be eligible for Sele-Care discount card. You may print your ID card out from your own location, and use it at a participating dentist or pharmacy.
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| Q: |
Are there any exclusions or limitations in the dental discount program?
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| A: |
No – you may visit a dentist as often as you choose. You simply pay the participating dentist for services performed, at the time services are rendered.
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| Q: |
Who is eligible for this card if I purchase a family plan?
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Any family member living in your household may use this discount card.
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| Q: |
How much more do I pay for the Discount Prescription Drug Program and Vision Plan.
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| A: |
Absolutely nothing. They are included in your Sele-Care membership. In fact you may select the FREE PHARMACUETICAL DISCOUNT CARD WITHOUIT PURCHASING THE DENTAL PROGRAM.
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| Q: |
Is this an insurance plan?
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| A: |
No, discount programs are not insurance plans. The discount programs provide members with discounted prices on a wide range of health care services and products. Members pay the pre-negotiated discounted price at the time services are received.
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| Q: |
There is no provider close to a member’s home. What should the member do?
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| A: |
While some zip code areas may have a limited number of providers, this is very rare. There are usually providers within a 50-mile radius of a zip code. Members can refer a provider for participation in the network by visiting www.Careington.com and selecting “Refer a Provider.” The program administrator will contact the provider with information on how to apply to participate in the program. Because of the application and credentialing process, it may take 6-12 weeks before a provider is added to the network. Not all providers will agree to accept the discounted fees required by the program.
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| Q: |
Can members use the discount programs even if they already have insurance?
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| A: |
Members just need to go to a participating provider, show their membership card, pay the discounted fees at the time of service and ask for a copy of the bill. Then, file the claim with the insurance company to be reimbursed by them. This reduces the members’ out-of-pocket expenses and stretches their dollar so they reach their maximums more slowly. Members may also use the discount programs for services not covered by their insurance plan. For example, many people have medical insurance, but do not have dental and vision coverage. Please remember that the discount programs are not insurance and may offer discounts on many services not included in traditional indemnity plans.
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| Q: |
Can a member include dependents in the plan?
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| A: |
Yes, one of the wonderful features of this discount program is that a member’s entire household can receive the savings, even children living at college!
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