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 With my USA+ card, I buy two prescriptions for less than my $25 insurance co-pay. One medication is $38 at Walgreens, but my USA+ price is only $8.00! The other medication is $17 retail at Walmart, which is already cheaper than my insurance co-pay, but my USA+ price is only $6.51.
Before I was a USA+ Member, I was spending a significant amount of money each
month on prescription medicines. One month's supply of Protopic had a
staggering cost of $1,304... I am now reaping the benefits of being a USA+
Member. A three month supply of Protopic now costs me only $113, a significant
savings when compared to the $1,304 I had been paying each month. The cost of
all the medications needed to treat my diabetes also decreased from $339 to
$45.33 each month. I am so pleased with the USA+ program that I am encouraging
my doctors to refer it to other patients. My savings are almost $20,000 a year.
 I slipped and fell June 6th. I knew I hurt my knee but didn't it was a big deal. Within the hour it was swollen and painful. Three days later I took myself to the Orthopedist. X-rays and MRIs later revealed a fracture in my femur. Doctor put me in a brace and thought it would heal in a month. Second MRI taken 8/17 revealed further fracture and the need for Surgery to repair knee. I have Blue Cross Texas risk pool with a $5000. deductible. To date I have charges totaling $2581. All I paid was my $100. so far. I am waiting for the Surgeon to call me today with time and date to repair my Femur. What would I have done without that simple accident plan!
"My husband just filled 2 prescriptions - the pain medication was $28.49, but he was only charged $16.72: His antibiotics were $10.49, and he paid only $3.12! We saved nearly 50%!"
 I received a free eye exam using the VSP benefit. The regular price was $75. I paid nothing! I also saved $90 on pair of glasses.
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Is this health insurance?
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I've noticed other similar programs -- how is
USA+ different?
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How much extra does it cost to put my dependents
on the program?
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Do I have to sign a contract to receive my
benefits?
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How do I make my monthly payments?
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When can I start using my benefits?
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If I call a provider listed in the network, will
they be familiar with USA+?
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How much can I expect to save?
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If I'm already being treated for something and
the doctor is a provider in the network, will I still be able to receive the
contracted rates?
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Will the doctor bill me for services provided?
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Can I cancel my health insurance policy and use
this instead?
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Why do doctors and other providers want to
participate in this type of program?
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If I move or am traveling to another state, can
I still use my benefits?
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My employer is providing me with the USA+
Membership -- what happens if I leave the company?
United Service Association For Health Care (USA+) is a well-established group association; Membership in the association provides a variety of health savings and benefits. Membership in USA+ is NOT a health insurance policy. By becoming a Platinum+, Gold+, Silver+, or Bronze+ Member of USA+, you have access to discounted fees on dentists, prescription drugs, vision care, chiropractors and alternative health care providers, as well as reduced contracted rates from doctors, hospitals and other medical facilities. As a Member, you also receive other benefits and savings that are described in greater detail on this website.
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Besides being one of the best values for the monthly fee, there are 3 unique reasons why so many satisfied Members prefer the USA+ Premium Benefits and Savings program:
Number 1 - USA+ has provided its members with benefits for over 15 years, with customer satisfaction that has led to a very high retention rate. We have documented savings of over $100,000,000 (that's $100 Million!) for our Members in the last 10 years.
Number 2 - with our experienced and knowledgeable customer support staff, you can be assured of excellent service provided with a positive attitude.
Number 3 - The United Service Association For Health Care Foundation has a focused mission of providing financial assistance to charities and non-profit organizations in the communities we serve across the nation. These organizations provide help and hope for individuals and families facing the unexpected challenges of life. Your membership in USA+ assists in this mission by adding to the amount of money that is donated to these worthwhile charitable organizations around the country. Being a USA+ member makes you a partner in our effort of "giving from the heart" to those in need all over the United States who count on and appreciate your help.
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Unless specifically noted, the
monthly Membership fees listed on our website includes the Primary
Member, a spouse, and children up to the age of 19. The Maximum age
is extended to attained age 24 for Member's children who are
full-time students in a recognized college or university. Member's
children shall also include any child under twenty-six (26) years of
age who does not meet the qualifications above but for whom USA+ has
approved membership on a dependent status basis. Benefits provided
under the Medical Accident Benefit cease when the member and or the
member's spouse attains age 70 and when a dependent child attains
age 23.
For common law marriages, a common law
spouse can be included on the Primary Member's plan if the state in
which you reside acknowledges common law marriages.
Benefits provided under the Medical
Accident Benefit cease when the member and or the member's spouse
attain age 70 and when a dependent child attains age 18 (23 if a
full-time student).
Benefits provided under the Physician
Hospital Benefit cease when the member and or the Member's spouse
attains age 65 and when a dependent child attains age 18 (23 if a
full-time student).
Benefits provided under the Auto Deductible Reimbursement Benefit cease when the Member’s dependent child attains age 19 (23 if a full-time student).
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There is no long-term contract to sign when you become a Member of USA+. Payment of the one-time enrollment fee and your first month's Membership entitles you to receive your Membership Card and all of the benefits it provides. If you find within 30 days that you are not satisfied with the benefits, you may request a full refund. Otherwise, you will be charged monthly for your Membership. You may cancel at any time.
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Monthly payments are made either by credit card (VISA, MasterCard, or American Express), or by electronic check from your checking account. You may change your method of payment at any time.
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You can begin to use your benefits as soon as you receive your USA+ Membership Card. The Card and your Member Handbook describing all benefits and the procedures to use them will be sent to you by US Mail (First Class) within 7 - 10 business days after your enrollment date. Call USA+ Customer Service to register your card and to request all of the information you need to begin saving money with your benefits. If you find you need to use a benefit before you receive your Card, simply call USA+ to find out how.
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Because doctors and other providers have contracted with a number of networks, they may not always be familiar with the procedures of a specific network. Also, most providers will not be familiar with the USA+ name because they have contracted with the network itself, not with USA+. If you have a question about a provider being on the network and accepting your USA+ Card, USA+ is there to help. All of the information a provider needs to confirm your Membership and determine your fee is printed on your USA+ Card, and if there is any question, a quick call to Member Services will provide the answer.
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The
contracted rates extended by participating providers are based on many factors; including your geographic location, the type of facility you receive services from, the nature of services received, and the provider's previously agreed upon fee for those services. Some examples of savings are as follows:
* Galaxy Health Network - 10 - 30%
* Liberty Medical - up to 30%
* American WholeHealth Network - up to 30%
* Express Pharmacy Services - up to 25%
* CAREington Dental Network - 10% - 60%
* EyeMed Vision Care Plan - Up to 35%
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As soon as you receive your USA+
Membership Card, you can begin to utilize the savings from any provider in the
network. You will receive your health benefits and savings right away,
regardless of your previous health history.
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To receive the contracted rate
for services from a provider, you must pay the amount due at the time of
service. The billing department will call the telephone number on your USA+
Card to verify your Membership, and access the contracted rate for services
rendered. You are responsible to pay that amount at that time.
The exception to this may be hospitals or other medical facilities that have a
billing office located elsewhere -- in this case, the facility may send you a
copy of the original bill that will also be sent to USA+; once the services
performed are repriced at the contracted rate, an adjusted billing will be sent
to you.
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This is NOT an insurance policy,
or a replacement for health insurance. We recommend that everyone have a health
insurance policy that provides coverage in the event of a catastrophic illness.
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With patients who use their
health insurance to pay for services, physicians and other providers who accept
insurance as payment often have to wait 30, 60, 90 days or more to receive
payment -- and this payment is a lower amount than what you are billed as a
patient. In addition, there are forms to file and a lot of 'red tape' required.
By becoming a provider in a network that offers contracted rates, a provider
has the opportunity to acquire more patients, increase their practice, and get
paid for services at the time they are performed. It's a win-win situation for
both the provider and the patient.
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You can use your benefits when
you travel or move to another state -- if you move to another address, contact
USA+ Member Services to inform them of your change of address. If you are
traveling, be sure to utilize the Travel Assistance Program, as well as the
Quest hotel discounts and USA+ Travel rebate program or discounted fares.
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Another great aspect of the USA+
Membership is that it is portable -- that is, if your current employer is
providing it as a benefit and you leave your job, you can easily transfer the
Membership to an individual one with no transfer fee, no interruption in your
benefits, and no increase in your monthly payment! Simply inform USA+ Member
Services, and they will transfer your Membership.
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