FAQ

How to use your CareClub24 Discount Healthcare Membership

1. Sign-up for the membership plan of your choice. Your membership fee is monthly and includes you or you, your spouse and children under 26 years of age. You will receive your membership kit with your cards and member benefit information booklet in the mail. Everything you need to know is included in your membership kit or you can download the My Benefits WorkTM mobile app.
2. To use each benefit, read the benefit description in your membership booklet and follow the instructions or go to the mobile app and click on the benefit you wish to access. Each benefit has a number to call for help accessing providers and services.
3. Keep your membership card and/or mobile app handy at all times so you can access important phone numbers and websites to use your benefits.

If you have questions on how to use your membership, you can

call our Member Support Team at the number listed on your card for prompt, friendly service.

Our hours are Monday through Friday, 7:00am-7:00pm

and Saturday 8:00am to 5:00 pm Central Time.

If you have questions on how to use your membership, you can call our Member Support Team at the number listed on your card for prompt, friendly service.

Our hours are Monday through Friday, 7:00am-7:00pm and Saturday 8:00am to 5:00 pm Central Time.

Compare Plans and Benefits

CareClub24 Choice

$ 29.95
Monthly
Individual or Family

CareClub24 Select

$ 19.95
Monthly
Individual or Family

CareClub24 Basic​

$ 9.95
Monthly
Individual or Family

Physicians and Hospitals – Save 10% to 40%
Telemedicine Dr. Visits – $0 fee per visit – use as often as needed
NurseLineTM – 24/7 assistance to offer medical answers and guidance
Medical Bill SaverTM – Options for Non-covered Services
Health Advocacy – Help to Navigate Insurance and Healthcare Systems
Dental – Save 15% to 50%
Vision – Save 10% to 60%
Retail and Mail Order Pharmacy – Save 10% to 85%
Alternative Medicine – Save 10% to 30% – 43,000 Practitioners
Lab Testing – Save 10% to 80% on typical costs for Lab work
MRI and CT Scans – Save 40% to 75% on usual charges
Diabetic Supplies – Save 10% to 50% on diabetic testing supplies
Hearing Aids – Offering Leading Manufacturers and Services
Durable Medical Equipment
Senior Providers Network
Vitamins
My Benefits WorkTM Mobile App
This is NOT INSURANCE – no paperwork – no waiting periods

Start Saving Today!

  • Smile brighter with 15% to 50% savings**
  • 238,000* available dental practice locations nationwide.
  • Use your card over and over again to keep your teeth sparkling!
  • Save on dental services such as cleanings, X-rays, crowns, root canals, filings.
  • Need specialty dental care? Save on orthodontics and periodontics, too!
  • *As of May 2018.**Actual costs and savings vary by provider, service and geological area. The discount program provides access to the Aetna Dental Access network. This network is administered by Aetna Life Insurance Company (ALIC) Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent, representative or employee of discount program.  Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes. Not available to VT residents.
  • Feel better now!
  • Access a doctor 24/7 – anytime, anywhere with $0 fee per visit.
  • With Teladoc, you can talk to a doctor by phone or online video to get a diagnosis, treatment options and prescription, if medically necessary.
  • Save time and money by avoiding crowded waiting rooms in the doctor’s office, urgent care clinic or ER.  Just use your phone, computer, smartphone or tablet to get a quick diagnosis by a U.S. licensed physician.
  • On-demand healthcare – wherever, whenever
  • Treatment for common medical issues such as colds, flu, poison ivy, respiratory infections, bronchitis, pick eye, sinus problems, allergies, urinary tract infections and ear infections.
  • 10 minute average doctor response time
  • Visits for all ages – from children to seniors
  • U.S. board-certified doctors with an average of 20 years practice experience.
  • Based on treatment protocols, doctors may not prescribe an antibiotic for viral illnesses such as most colds, sore throats, coughs, sinus infections and the flu. Doctors may suggest alternative treatment options such as a prescription for symptom relief or over-the-counter medication.
  • 2020 Teladoc, Inc. All rights reserved. Teladoc and the Teladoc logo are registered trademarks of Teladoc, Inc. and may not be used without written permission. Teladoc does not replace the primary care physician. Teladoc does not guarantee that a prescription will be written. Teladoc operates subject to state regulation and may not be available in certain states. Teladoc does not prescribe DEA controlled substances, non-therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. Teladoc physicians reserve the right to deny care for potential misuse of services.
  • Average savings 10% to 40% on most medical services
  • Over 500,000 participating physicians, ancillary facilities, and hospitals
  • Includes family doctors, specialists, alternative care providers, facilities and hospitals
  • The Value Point provider network was established by Multi-Plan, the industry’s most comprehensive provider of healthcare cost management solutions.
  • No health restrictions, age limits, or usage/savings maximum
  • National savings average 39% at doctor offices, 28% at ancillary facilities, and 21% at hospitals.
  • Traditional medicine is not the only answer! 
  • Reduce stress, relieve migraines or quit smoking with the help of alternative medicine. 
  • Save 10% to 30% on Acupuncture, Massage Therapy, Nutritional Counseling, Biofeedback, Hypnotherapy, Reflexology, Yoga, Tai Chi, Pilates and more on over 40 specialties and 43,000 practitioners nationwide.
  • Your eyes are the window to your health.  Now you and your family can see better savings. 
  • Over 20,000 vision providers nationwide, including national chains and local retailers
  • 20% to 60% off prescription eyeglasses, including frames, lenses and specialty items
  • 10% to 40% off soft contact lenses, including disposables, through America’s Eyewear mail order service
  • 10% to 30% off medical eye exams and surgical procedures 
  • 40% to 50% off the overall national average for laser eye surgery
  • Powered by FramesDirect.com – 55% off lenses for eyeglasses or sunglasses when ordering online
  • World’s largest selection of prescription and non-prescription eyewear
  • Over 100,000 frames – All the top brands – RayBan, Oakley, Prada, Polo, Persol and many more
  • Don’t let the cost of medications keep you from managing your health.
  • Enjoy discounts on your prescription medications with Retail and Mail Order Pharmacy. 
  • Save 10% to 85% on most prescriptions at 60,000 retail pharmacies nationwide, and on 30+ day supply prescriptions shipped directly to your home with free standard shipping. 
  • Participating retail pharmacies include Walgreens, Target, CVS and many other independent, national and regional chains.
  • Even if you have insurance, you can present both cards at the pharmacy or research online to receive the lowest price.
  • Mail Order service includes a Patient Assistance Program that helps qualifying individuals receive free or low-cost prescriptions.
  • Personal Health Advocates help you navigate the insurance and healthcare systems. They can help to:
  • Untangle medical bills and insurance claims
  • Locate doctors, specialists, hospitals, dentists and pharmacies
  • Clarify benefits and answer questions about tests, treatments and medications
  • Coordinate care among multiple providers
  • Assist with eldercare and related healthcare issues
  • Arrange second opinions
  • Transfer medical records
  • Negotiate payment arrangements with providers and find options for non-covered services
  • Provide information about generic drug options
  • Provide 24/7 nurse line assistance to answer medical questions and offer guidance
  • The Health Advocate program is not health insurance. Health Advocate provides administrative, informational and referral type services through its employees.  Health Advocate does not provide medical services and does not recommend treatment. Independent healthcare practitioners, who are not Health Advocate’s employees or agents, provide all medical services. In life-threatening emergencies, call 911 or go directly to the nearest hospital emergency room for treatment. If 911 is not available in your area, call the local police/fire department or go directly to the nearest hospital or emergency room.
  • Know your numbers with direct access to over 1500 major clinical laboratories nationwide.
  • Save 10% to 80% on typical costs for lab work
  • Test categories include allergies, vitamin and cholesterol levels, liver function, fertility, thyroid and more
  • Confidential results in as little as 24 hours for most tests
  • Lab benefit not available in MD, NJ, NY, and RI. This program can be canceled, without notice, at any time for any reason.
  • A better image leads to a better diagnosis, better treatment and a better recovery.
  • Save 40% to 75% on usual charges for MRI and CT Scans
  • Thousands of credentialed radiology centers nationwide
  • You will be referred to a certified radiologist based on condition, preferences and location.
  • This program can be canceled, without notice, at any time for any reason.
  • Everyone has different health goals, and Vitacost has the products to help you reach them.
  • Find the best prices online for the most trusted brands of vitamins, supplements, health foods, sports nutrition and wellness products.
  • Take an additional 10% off already low prices on products for you, your family and even your pets.
  • This program can be canceled, without notice, at any time for any reason.
  • Get a free fully-audible blood glucose meter with your first order.
  • With convenient online, pre-paid program, you receive discounted diabetic testing supplies shipped directly to your home. Services include:
  • Free shipping on diabetic supply packages
  • Tracking information updates via email or text
  • Annual testing program or purchase-as-needed options available
  • No prescription required for OTC testing supplies
  • 100% satisfaction guaranteed, or get your money back
  • This program can be canceled, without notice, at any time for any reason.
  • Online platform connecting you to a virtual gerontologist and a vetted, national network of professions.
  • Home Care and Assisted Living
  • Medicare Senior Advisors
  • Funeral Planning Resources
  • Moving Logistics
  • Emergency Notification Services
  • Organization of Documents, Wishes and Information
  • Additional senior care services
  • Currently, one in nine Americans suffer from hearing loss. 
  • Let Amplifon help you find the right hearing aid solution to fit your lifestyle through personalized service and exceptional products for every budget.
  • One year free follow-up care for cleaning and checkups with purchase
  • Two year supply of hearing aid batteries
  • Three year warranty
  • 100% money-back guarantee during your 60-day risk-free trial
  • Offering leading manufacturers including Siemens, Rexton, Miracle Ear, Phonak, ReSound, Unitron, Oticon, Sonic Innovations, Starkey and Widex
  • This program can be canceled, without notice, at any time for any reason.
  • Save on walking aids, wheelchairs, scooters, hospital beds, bathroom safety, orthopedic products and more.
  • Save 20% to 50% on medical equipment shipped directly to you, plus an additional $5 on orders over $100! 
  • Everything you need to know about your membership, including your Membership cards will be in your Membership kit which will be mailed to the address you provide. Also access your information online at MyBenefitsWork.com
  • You should also download the mobile app My Benefits WorkTM from your app store on your smartphone. Once you create your account, you just click on the benefit and follow the instructions to access participating providers and locations.
  • This is NOT insurance. It is a discount healthcare membership..

Disclosures

  • This discount healthcare membership plan is NOT insurance.
  • The discount healthcare membership plan does not guarantee the quality of the services or products offered by individual providers.
  • The plan does not make payments directly to the providers of medical services.
  • The plan member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount plan organization.

Cancellation Policy:  To terminate or cancel your membership, you will have a number to call or you will be able to send a written cancellation notice to CareClub24, LLC. Your membership can also be cancelled for non-payment.

30-day Money Back Guarantee:  A member who cancels the membership not later than the 30th day after the date the member receives the membership card is entitled to a refund of all membership fees paid to the discount health care plan for that 30 day period of time.

Issue Resolution:  For any concerns or complaints when using your membership card, please call the number on your membership card for immediate assistance. Your issue will be researched and a resolution reached within 3 business days. If you are still dissatisfied, you may contact the Texas Department of Insurance.

THIS PLAN IS NOT INSURANCE

Limitations, Exclusions and Exceptions:

  • Providers are subject to change without notice. The Plan may vary in some states. Providers and locations may be removed from the network at any time.
  • This is a discount plan only. The plan may be cancelled or modified at any time. You will receive notice if the plan is cancelled or materially modified.
  • The discount company will not reimburse or pay any portion of any provider’s fees. These benefits may not be used with any other discount plan or program. Listed or quoted prices are subject to change without notice.
  • Providers may offer products or services to the public at lower than discounted prices. In such event, members will be charged the lower price.
  • Savings are based on the provider’s normal fees. Actual savings will vary by location and the services or products purchased.
  • This discount plan is a referral plan and makes no warranties concerning the quality of care received. Providers are responsible for the professional advice and treatment provided to members.
  • This plan is not insurance coverage and does not meet the minimum creditable coverage requirements under the Affordable Care Act.