Smart Benefit Card your solution

Improve your employee benefits

Employers and employees alike are struggling with the cost of health care - and looking for solutions. Let us show you how the Smart Benefit Card can be a solution for both.

Why should a business consider the Smart Benefit Card?

Filling the Gaps
The Smart Benefit Card can fill gaps in coverage currently provided through insurance programs.For instance, many companies today offer medical coverage, but do not offer dental or vision coverage - the Smart Benefit Card can provide discount medical benefits at very cost effect rates.

Impact on Insurance Experience Ratings
Programs like Consult A Doctor; and Nurse Hotline can have a direct impact on a business's experience ratings with their health insurance provider by reducing the number of claims.Lower experience ratings have a direct impact on the increasing cost of health insurance.

Self-funded Employers
Many companies today are self-funding for health costs, paying providers directly. The Smart Benefit Card can have a direct impact by reducing those costs by 10% to 60%.

Health Savings Accounts
Many companies are providing Health Savings Accounts (HSA) to their employees in lieu of health insurance. Coupling the Smart Benefit Card with a HSA allows the employee to forego less money out-of-pocket for the qualified expenses.

How easy is the Smart Benefit Card to use?

Everyone Accepted
Every employee can receive the benefits of the card. The programs of the Smart Benefit Card are Not insurance, so there is no qualification process.

Entire Family Included
The Smart Benefit Card provides benefits to the card member and all dependents with no additional fees, except for LifeLock which requires an additional fee for family members.

Unlimited Use
As long as an employee is a member of the card, the employee and the employee's family has unlimited use of the benefits provided.

Can the card be offered on a voluntary basis?

Any of the Smart Benefit Cards can be offered on a voluntary basis to employees or packaged and provided as an employer provided benefit.

Is there a group/employer discounts?

We will work with you to design a plan that fits your group and structure volume based pricing to ensure the plan is cost effective and valuable.

What are the benefits of offering the Smart Benefit Card as a benefit to employees?

Healthier Employees
Employees that have easy access to affordable health care are healthier.

Improved Employee Productivity
Employees using services such as Consult A Doctor; and Nurse Hotline may not need to actually go to the doctor, thus they will not need to miss work for doctors' appointments.Employees that are healthier tend to be more productive.

Happier Employees
By providing valuable benefits, you will be providing for your employee's needs.

Cost Control
The Smart Benefit Card provides services at very cost effective level and the use of the card may have direct impact on other health care costs.

Improve your value proposition - and revenue

All membership groups struggle with similar issues - providing valuable programs and paying for those programs. Let us show you how the Smart Benefit Card can provide a partial solution!

Why should and association or a charity consider the Smart Benefit Card?

Providing Value
Associations and charities are similar in that they are continually striving to provide value to their memberships. The Smart Benefit Card can provide valuable savings and services to members, helping the association or charity retain and attract members.

Revenue Generation
Without question, both associations and charities are seeking to provide more value, while at the same time being faced with declining revenue streams. Association membership are down, charitable contributions and federal/state grants are decreasing every day. We can structure the Smart Benefit Card to enable your organization to create recurring revenue - helping you achieve your program objectives.

How easy is the Smart Benefit Card to use?

Everyone Accepted
Every employee can receive the benefits of the card. The programs of the Smart Benefit Card are Not insurance, so there is no application or qualification process.

Entire Family Covered
The Smart Benefit Card provides benefits to the card member and all dependents with no additional fees, except for LifeLock which requires an additional fee for family coverage.

Unlimited Use
As long as an employee is a member of the card, the employee and the employee's family has unlimited use of the benefits provided.

Easy Cancellation
Members can cancel at any time. If they cancel in the first 30 days they will receive a 100% refund of their monthly or annual fees.

What value can the Smart Benefit Card provide members?

Significant Savings
Most of the benefits within the card provide between 10% and 60% savings on everyday needs - such as dental services, eye glasses, and prescriptions.

Powerful Services
Some of the plans offer powerful services such as: Consult A Doctor - a service that provides telephone access to board certified physicians 24/7; LifeLock - the leader in identify theft protection; and Telephonic Counseling - 24/7 access to licensed counselors.

Convenience
Programs such as Consult A Doctor and NurseHotline allow members to access medical information from their own home. Consult A Doctor even provides the ability for the physician to write prescriptions through the telephone diagnostic, thus preventing the member from having to go to the doctor in some cases.

Improve your product portfolio - and revenue

Employee benefits firms and third party administrators are all doing the same thing - expanding their services to create new revenue opportunities and keep existing clients. Let us show you how the Smart Benefit Card can be a solution!

How can the Smart Benefit Card help our clients?

Employees Save
Employees of your clients can save money on their health and medical costs not covered through insurance.

Filling the Gaps
The Smart Benefit Card can fill gaps in coverage currently provided through insurance programs. For instance, many companies today offer medical coverage, but do not offer dental or vision coverage - the Smart Benefit Card can provide these benefits at very cost effect rates.

Impact on Insurance Experience Ratings
Programs like Consult A Doctor; and Nurse Hotline can have a direct impact on a business's experience ratings with their health insurance provider by reducing the number of claims. Lower experience ratings have a direct impact on the increasing cost of health insurance.

Self-funded Employers
Many companies today are self-funding for health costs, paying providers directly. The Smart Benefit Card can have a direct impact by reducing those costs by 10% to 60%.

Health Savings Accounts
Many companies are providing Health Savings Accounts (HSA) to their employees in lieu of health insurance. Coupling the Smart Benefit Card with a HSA allows the employee to forego less money out-of-pocket for the qualified expenses.

How can the Smart Benefit Card build our revenue base?

We can work directly with your firm to develop a volume based pricing structure, or wholesale pricing, that will enable you to market the card and its benefits to your clients at a profit.

How easy is the Smart Benefit Card to use?

Everyone Accepted
Every employee can receive the benefits of the card. The programs of the Smart Benefit Card are Not insurance, so there is no application or qualification process.

Entire Family Covered
The Smart Benefit Card provides benefits to the card member and all dependents with no additional fees, except for LifeLock which requires an additional fee for family coverage.

Unlimited Use
As long as an employee is a member of the card, the employee and the employee's family has unlimited use of the benefits provided.

Easy Cancellation
Members can cancel at any time. If they cancel in the first 30 days they will receive a 100% refund of their monthly or annual fees.