Healthcare For All Advantage Programs Benefit FAQs

Explore our FAQ section and access informative resources to help you navigate and make informed decisions about your Healthcare For All Advantage Wellness Programs

Do Healthcare For All Advantage Benefits cover my family?

Yes. Healthcare For All Advantage Wellness plans, Advantage RX and *Advantage Mental Health programs all have the family plan optins that will covers you, you spouse, and up to 8 additional dependents up to 26 years old.. (*Advantage Mental Health Will only cover dependents between 18 and 26 years of age).

What is my deductible?

Healthcare For All Advantage programs have a $0 deductible.

How do I know which program is right for me?

Healthcare For All healthcare memberships are available to everyone (all ages, any preexisting condition, every budget) in convenient benefit bundles, allowing you to customize your program. Many of our plan members will mix and match programs as needed to get the best coverage for their specific needs.

Schedule a one-on-one call with a benefits specialist to find the right program for you.

What if I see a provider out of network?

Please note that our benefits do not cover any out-of-network provider visits or offer reimbursement for such visits. We understand the importance of accessing quality healthcare, which is why we have a vast network of providers available to our members. By staying within the network, our members can take advantage of negotiated rates and cost savings while receiving top-notch care.   Note: Urgent Care, Emergency Room, and all other services under the Accident program  are offered as an indemnity program. Members can use this benefit at any location in the US.

Is my prescription covered?

Please use the prescription lookup to view the discount you would receive through Healthcare For All Advantage Wellness, or Mental Health programs. You can also see if your medication costs are 100% covered on the Advantage RX program.

You'll be able to search by prescription, amount of refills, and zip code.

What if I have Medicare?

Healthcare For All Advantage benefits are an excellent choice to complement your Medicare plan. The Advantage Wellness package includes telehealth services, dental, and vision care, along with pharmaceutical discounts on all prescriptions, not just generic ones.

Does Healthcare For All Advantage cover non US citizens?

Yes. Healthcare For All Advantage benefits are available to anyone located in the United States, citizen or non-citizen.

Can I keep my Healthcare For All benefits if I leave my company?

Yes! Even if you leave a company that offers Healthcare For All benefits, you can still continue to have them. To receive the payment link, kindly send an email to MemberServices@Healthcare For All.com by the 20th of the month. This will ensure that you continue to receive benefits for the following month.

How do I add dependents?

To add dependents to Advantage Wellness, RX or  Mental Health simply navigate to the "More" tab of our app and locate the "Add Dependents" feature. This will enable you to include your spouse and any legal dependents in your account. Moreover, dependents who are 18 years and older can create their own unique logins under your account. We encourage you to invite them to create their profiles, and they will receive an email to guide them through the setup process.

To add dependents to Advantage Wellness Signature and/or Premium Family Plan, simply complete this form during your benefits enrollment process.

Do I need to be legally married to add my partner/parent of my children as a dependent?

No, legal marriage is not necessarily required to add your partner/parent of your children as a dependent.

How do I add additional benefits or upgrade my program?

Simply email MemberServices@Healthcare For All.com to update your benefit selections.

When do my benefits start?

If you enroll before the 24th of the month, your benefits will begin on the 1st of the following month. However, if you enroll between the 24th and 31st of the month, your benefits will start on the 1st of the second following month.

If you wish to cancel your benefits, please ensure that you do so before the 24th day of the month. Benefits can be accessed and utilized until the end of the same month in which they were canceled. Note that cancellations made after the 24th will not be eligible for a refund.

Healthcare For All Advantage Wellness

Advantage Wellness Essential FAQ’s

Healthcare Membership with Telemedicine, Dental, Vision, Pharmaceuticals, Medical Supplies, and more. 

How much is the dental discount?

Healthcare For All Dental benefits are powered by Aetna Dental Access, which means you can save 15 - 50 % off on over 262,000 dental practice locations nationwide. You can save on dental services such as cleaning, x-rays, crowns, root canal, filling, orthodontics, periodontics, and more.

Is my prescription covered?

Please use the prescription lookup to view the discount you would receive through Healthcare For All Advantage Wellness Plus, Wellness, or Mental Health program.

You'll be able to search by prescription, amount of refills, and zip code.

How much will I save on vision services?

• 20% to 60% off Prescription Eyeglasses: This includes frames, lenses, and specialty items to cater to your specific needs.
• 10% to 40% off Soft Contact Lenses: Our partnership with America's Eyewear mail order service ensures savings on disposables and other types of lenses.
• 10% to 30% off Medical Eye Exams and Surgical Procedures: Your eye health is crucial, and we offer discounted rates for comprehensive eye exams and surgical procedures.
• 40% to 50% off Laser Surgery: If you're considering laser surgery, our benefits provide savings that are 40% to 50% below the overall national average.

What if I see a provider out of network?

Please note that our benefits do not cover any out-of-network provider visits or offer reimbursement for such visits. We understand the importance of accessing quality healthcare, which is why we have a vast network of providers available to our members. By staying within the network, our members can take advantage of negotiated rates and cost savings while receiving top-notch care.   Note: Urgent Care, Emergency Room, and all other services under the Accident program are offered as an indemnity program. Members can use this benefit at any location in the US.

What are some of the common conditions TelaDoc treats?

Common conditions include colds, flu, poison ivy, respiratory infections, bronchitis, pink eye, sinus problems, allergies, unusual pains, urinary tract infections, and ear infections.

What if I have Medicare?

Healthcare For All Advantage benefits are an excellent choice to complement your Medicare plan. Advantage Wellness packages include telehealth services, dental, and vision care, along with pharmaceutical discounts on all prescriptions, not just generic ones.

Are MRI's covered?

Use Advantage Wellness to save 40%-75% on usual charges for MRI and CT Scans at thousands of credentialed radiology centers nationwide. You will be referred to a certified radiologist baed on condition, preferences, and location.

Is diagnostic imaging covered?

Yes. Save 40-75% on usual charges on ultrasounds, X-rays, colonoscopies, mammograms, upper Advantage Wellness Signature FAQ’s

Healthcare Membership with Telemedicine, Dental, Vision, Pharmaceuticals, Medical Supplies plus accident-related insurance coverage including ambulance, hospital/ER, treatments, surgery, and more.

How do I use the Accident services?

The program is accessible through 5 Star Insurance. We will provide a toll-free support line for live assistance. Medical expense payments are typically distributed within 5-7 days.

How much do I get for each accident?

Coverage varies depending on the type of accident and treatments. Treatment reimbursements are specifically defined and paid according to the policy coverage. Learn more about coverage here.

Are there restrictions on how many times I can use the program?

Usage limitations are defined in the policy coverage.

What are the locations of the accident services?

Any US-based urgent care, emergency room, and licensed medical facilities can provide accident care. Services under the Accident program are offered as an indemnity program. Members are reimbursed for related expenses. Payments are typically distributed within 5-7 days of submission.endoscopy, GI consults, and more

Advantage Wellness Premium FAQ’s

Healthcare Membership with Primary Care, Urgent Care, Chronic Disease Management, Telemedicine, Dental, Vision, Pharmaceuticals, Medical Supplies plus accident-related insurance coverage including ambulance, hospital/ER, treatments, surgery, and more.

Do the primary care providers accept walk-ins?

No, members must contact our Patient Advocacy Line to schedule an appointment.

Why can't I view the primary care providers?

The network is physician-owned. It includes +15,000 doctors throughout the US and grows every month. The physicians do not publish a list, like traditional PPOs, to reduce unwanted calls, prevent walk-ins, and the eliminate patient frustration. Instead, healthcare concierge have direct access to physician calendars so they know which doctors are currently seeing new patients and have availability on their schedules. The result is a streamlined process that gets members to the best physicians within 24-48 hours. 

How do I schedule primary care appointments?

• Everything Begins With a Phone Call. For scheduling appointment, you'll call our Patient Advocacy Line. Based upon the member's symptoms or needs, medical staff will provide direct primary care options for an in-office appointment with a board-certified physician or urgent care facility (in-office appointments only available within business house of 7am to 6pm CST).
• Once the member chooses the option they would like to pursue, medical staff will schedule the appointment.
• The member is responsible for the visit fees associated with their care ($10 primary care of $25 urgent care). At the appointment, the physician will treat the member and prescribe medication if necessary.

Can I continue seeing the same physician after my first visit?

You can certainly request to see the same physician for another appointment when you call the Patient Advocacy Line. However, please note that requesting to see the same physician does not guarantee that you will be able to secure an appointment within the 24-48 hour window.

Note: Urgent Care, Emergency Room, and all other services under the Accident program are offered as an indemnity program. Members can use this benefit at any location in the US.

Can I schedule appointments with specialists?

While Advantage Premium detects, treats, and manages 13 of the most prevalent chronic disease states, we do not provide specialty care outside our partner-physician clinics. If a member currently sees a specialist for an advanced disease state, we do not recommend leaving that specialist.

Advantage Wellness Complete FAQ’s

Full medical insurance with Primary Care, Urgent Care, Chronic Disease Management, In-Patient/Outpatient Hospitalization, Rx, Long-Term Care, Burial Insurance & Death Benefit, and more.

When is AWC available?

Advantage Wellness Complete was launched on August 1st 2024.

Why can't I view the primary care providers?

Advantage Wellness Complete ensures compliance with ACA requirements for Minimum Essential Coverage (MEC) and Minimum Value Plans (MVP), as mandated by the IRS for Applicable Large Employers (with 50 or more full-time equivalent employees) under the Affordable Care Act. Failure to provide ACA qualified healthcare programs may result in hefty fines. For instance, as of 2024, Penalty A imposes a fine of $247.50 per employee per month for all employees, less 30, for not providing minimum essential coverage (MEC). On the other hand, Penalty B results in a monthly fine of $360 for each employee who acquires Healthcare.gov insurance and was not offered an MVP at a rate of less than 9.61% of the employee's total household income.   Employers can mitigate their exposure to these penalties by providing access to Healthcare For All Advantage Wellness Complete—without any purchase obligations for the employer or employee. Additionally, to eliminate the risk of Penalty B, employers can offer Advantage Wellness Complete at a rate less than 9.61% of household income. For example, for a full-time employee earning $20 per hour for 40 hours per week, the maximum they could pay is $384 per month, with any difference being supplemented by the employer. By covering 50% of AWC, employers can minimize the risk of Penalty B to at least the federal minimum wage, based on a minimum full-time equivalent hourly commitment.

Could AWC be used to cover Medigap Insurance or Medicare A?

Advantage Wellness Complete is not a traditional Medigap Insurance or Medicare A program. Advantage Wellness Complete can be purchased by anyone 69 years and younger. The policy life extends to age120 years of age.

Is AWC ACA Compliant?

Advantage Wellness Complete ensures compliance with ACA requirements for Minimum Essential Coverage (MEC) and Minimum Value Plans (MVP), as mandated by the IRS for Applicable Large Employers (with 50 or more full-time equivalent employees) under the Affordable Care Act. Failure to provide ACA qualified healthcare programs may result in hefty fines. For instance, as of 2024, Penalty A imposes a fine of $247.50 per employee per month for all employees, less 30, for not providing minimum essential coverage (MEC). On the other hand, Penalty B results in a monthly fine of $360 for each employee who acquires Healthcare.gov insurance and was not offered an MVP at a rate of less than 9.61% of the employee's total household income.   Employers can mitigate their exposure to these penalties by providing access to Healthcare For All Advantage Wellness Complete—without any purchase obligations for the employer or employee. Additionally, to eliminate the risk of Penalty B, employers can offer Advantage Wellness Complete at a rate less than 9.61% of household income. For example, for a full-time employee earning $20 per hour for 40 hours per week, the maximum they could pay is $384 per month, with any difference being supplemented by the employer. By covering 50% of AWC, employers can minimize the risk of Penalty B to at least the federal minimum wage, based on a minimum full-time equivalent hourly commitment.

Are major medical costs covered by the $100,000 policy?

The specialized major medical fund designed to provide comprehensive coverage for major medical expenses. These expenses can arise from three categories - Accidents and Injuries, Terminal Illnesses, and Mental Disabilities.   Accidents and Injuries expenses are primarily covered by insurance, but in case of any overages, members can make use of the major medical policy. To qualify, the injury must impact two normal activities of daily living (ADLs) or be life-threatening. Typically, members can withdraw around $3000 - $4000 for coverage. For example, a broken arm or leg would qualify as a loss of ADLs.   There are 6 ADLs: Bathing, Toileting, Dressing, Mobility, Feeding, Transferring   Terminal illnesses such as cancer and heart disease are also covered. In these situations, members can access up to $30,000 as a one-time payment, along with an additional monthly withdrawal of $3000 - $4000.   For mental disabilities, a formal diagnosis like Alzheimer's or dementia is required. Members suffering from these conditions are entitled to receive $3000 - $4000 per month. This coverage is provided in addition to any long-term care insurance for home care or skilled nursing services.   At Healthcare For All, we prioritize the well-being and financial security of our members - ensuring adequate coverage for unforeseen medical circumstances.

What states are not included?

Advantage Wellness Complete is available through the Healthcare For All Advantage Association (LEA). Members must be residents of the US. Coverage is available to LEA Members in all 50 US states.

Does AWC Provide Dental coverage?

Advantage Wellness Complete provides a free dental exam and emergency dental procedures. AWC is not dental insurance and does not cover common procedures like cleanings, fillings, root canals, or orthodontics.

Does AWC cover childbirth?

To reduce premium costs, Advantage Wellness Complete excludes childbirth coverage. A special program for childbirth and pregnancy will be offered separately at a later date. 

Does AWC have an HSA or FSA program?

Advantage Wellness Complete does not offer an HSA or FSA program. Medical expense financing and pretax incentive programs will be offered separately at a later date. 

Advantage Mental Health FAQ’s

Healthcare Membership with Therapist, On-Demand Counselors, Alternative Medicine, Pharmaceuticals, and more.

What are some of the treatments TelaDoc mental health treats?

Common conditions include anxiety, depression, stress/PTSD, panic disorder, grief, family & marriage issues, and more.

What are the services included in Alternative Medicine?

• Acupuncture
• Eastern Medicine BodyWork
• Ayurvedic
• Behavioral Health
• Biofeedback
• Chinese Herbal Medicine
• Chiropractic Physician
• Childbirth
• Clinical Massage Therapist
• Dermatology
• Dietician
• Doula Practitioner
• Energy Healing Practitioner
• Feldenkrais
• Fitness Centers
• Guided Imagery/Hypnotherapy
• Hellerwork
• Herbal Consultant
• Health Coach
• Holistic Nurse Practitioner
• Homeopathic
• Hypnotist
• Lactation
• Massage Therapist
• Meditation Instructor
• Mind-Body Skills Instructor
• Mindfulness Based Stress Reduction, Music Therapist
• Myotherapist
• Naprapathy
• Naturopathic Physician
• Nutritional Counselor
• Occupational Therapist
• Pain Medicine
• Personal Trainer/Exercise Specialist
• Physical Therapist
• Pilates Instructor
• QI Gong Instructor
• Reflexologist
• Registered Nurse
• Reiki
• Spa
• Tai Chi Instructor
• Yoga Instructor

Are there benefits for pregnancy, childbirth, and parenthood?

Healthcare For All Advantage Mental Health includes:

• Alternative Medicine services such as doula, lactation specialist, holistic nurse practitioner, acupuncture, and more
• Pharmaceutical discount includes Prenatal tab starting at $3/month, folic + b12 tabs starting at $5/month, and more
• Work life services include resources for childbirth and pregnancy, childcare, breastfeeding, postpartum depression, and more
• Therapy services include women’s mental health specialists

Is my family covered on this plan?

Yes. This program is offered as a family plan. Family Plans include member, spouse, and all dependents between 18-26 years old.

Advantage Rx FAQ’s

+800 medications at $0. Free delivery or pickup at 64,000 pharmacies.

How can I see if my medications are included in the $0 program?

Review our formulary online. Use the search feature to locate your medication on the Healthcare For All Advantage RX page.

How do I order medications?

• For Acute Medication

If you have an immediate need for acute medications, use your prescription card in the welcome packet at a retail pharmacy. This card includes the top 124 most prescribed acute medications for FREE, for up to a 21-day supply at over 64,000 pharmacies nationwide. Simply locate a pharmacy: Present your card, the pharmacy will confirm your membership and process your prescription.

For Maintenance/Chronic medications Your doctor can escribe, fax, or call in your prescription directly to our home delivery facility. Our staff will receive the script and contact you to verify personal information.

NPI# 1356814529 NCPDP# 3686675 Fax Number: (855) 636-5473 Phone: 1.800.974.7036 

Transferring Prescriptions: If you need to transfer a prescription, we initiate a prescription request from your local pharmacy or physician and have it transferred to My Free Pharmacy. If there are any issues facilitating the receipt or transferring of your prescriptions to our pharmacy, we will reach out to you via email.

What happens if my medications are not on the list?

Call our pharmacists at (800) 974-7036. We’ll see if we can get the medication at no cost or provide you with the lowest cost available.

How do I receive a prescription refill?

At Healthcare For All, we have a convenient system in place to ensure that you never run out of your maintenance/chronic medication prescriptions. If you have been approved by your physician for refills over 90 days, we automatically reach out to you before your prescription is going to lapse. You can easily approve the refill, and we will promptly ship it to your residence at absolutely no cost to you.   We understand that communication may vary, and it's possible you may not receive a call, email, or text reminder from us. In such cases, we encourage you to reach out to our dedicated help desk. Our helpful support team will be ready to assist you with any inquiries regarding your medication refills.

 

Still have questions or need assistance. Please reach out using the links below and we'll be ready to help.