Member Guide

PremierMember Guide

Maximize Your Membership:

02) ROADSIDE ASSISTANCE

07) LEGAL SERVICES

10) TAX & FINANCIAL SERVICES

17) PERSONAL CONCIERGE

22) PET SERVICES CLUB

25) ENTERTAINMENT DISCOUNT

27) FREE DISCOUNT HEALTH

BROUGHT TO YOU BY WELLCARD

12) IDENTITY THEFT PROTECTION

RoadsideAssistance

For 24-hour Roadside Assistance call: 800-745-5791. Have your member number handy and your

Group #: XXXX

This number can be reached 24 hours a day, 7 days a week. We will arrange to dispatch a service truck to

you while you are on the phone. You will be informed of the service provider’s NSD, driver’s name, phone

number, confirmation number and Estimated Time of Arrival.

When you call for dispatch service, be prepared to give the customer service representative

the following:

• Your Name

• Producer Code: 31924 and Plan Code B1

• Location of the vehicle if known (street address, mile markers, etc.)

• Nature of the trouble (flat tire, won’t start, etc.)

• Phone number from where you are calling

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HOW IT WORKS

1. We will contact the nearest participating towing provider and then

tell you the estimated time of arrival. Most service providers require you or

another authorized person to be with the vehicle in order to receive

service (unless it is unsafe to do so).

2. When the service truck arrives, present your membership card. The

service provider may ask for your driver’s license for additional

identification.

3. After service is complete, please verify the information on the call slip provided by the service provider

and sign it. Our provider will pay the service provider directly for covered dispatch charges. You will be

responsible for paying the service provider for any charges not covered.

Emergency roadside assistance is intended to assist members whose vehicles are disabled by

providing a toll-free emergency dispatch service number to get help dispatched to them.

Dispatch coverage for winching is limited to a 30-minute service call; any expenses incurred beyond a 30-

minute dispatch call will be the responsibility of the member, payable directly to the service facility and is

not reimbursable.

This service may not be used as a substitute for regular maintenance necessary to keep a vehicle in

good condition. Excessive claims may result in non-renewal or cancellation of your membership benefit.

24 HOUR TOWING SERVICE

Towing from the point of disablement will be provided to the destination of the member’s choice. If service

is provided through the dispatch network, the vehicle will be towed up to 15 miles from the point of

disablement. Any expenses incurred beyond the 15-mile limit will be the responsibility of the member,

payable directly to their service provider and are not reimbursable. In either case, service is limited to one

tow or service call per disablement.

24 HOUR EMERGENCY ROADSIDE ASSISTANCE

Service is available to boost batteries while on the road.

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24 HOUR EMERGENCY TIRE SERVICE

A flat tire will be changed with your spare tire. If for any reason the spare is not usable, towing will be

provided up to the benefit amount to the nearest repair facility.

24 HOUR EMERGENCY DELIVERY

A service truck will deliver emergency supplies of gasoline, water, oil, or other necessary supplies. The

member only pays for the cost of the supplies.

24 HOUR EXTRICATION

If a member’s vehicle is stuck in a ditch, mud or snow, but is accessible from a normally traveled road,

service will be given to tow or winch the vehicle.

DISPATCH SERVICE

Our towing network has relationships with over 45,000 independent service providers throughout the U.S.

(including Alaska & Hawaii), Canada, Mexico, and Puerto Rico with coverage available in every zip code.

ROADSIDE ASSISTANCE REIMBURSEMENT

In some areas there may not be an available service provider. In this case, our dispatcher will issue you an

authorization number, and you will have to contact a facility on your own for emergency service. We will

reimburse you up to $50 per disablement.

REIMBURSEMENT LIMITATIONS

• Members may only use the reimbursement option if a participating facility is unavailable.

• The authorization number is required to be eligible for reimbursement.

•Winching reimbursement covers up to $50 in expenses.

• State and local taxes are not covered.

If NSD has issued an authorization number for prompt reimbursement of covered expenses, here

is what you do:

1. Call any service station garage or towing service of your choice.

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2. Obtain an itemized receipt for the service performed.

3. Write your membership number and authorization number on the original receipt (not a photo copy) and

send within 60 days to:

National Adjustment Bureau Claims Department

800 Yamato Road, Suite 100

Boca Raton, FL 33431

888-684-9327 Fax: 561-226-3613

Claims that are postmarked more than 60 days after the date of service will not be honored.

LOCKOUT SERVICE AND REIMBURSEMENT

If you lock your keys in the car or lose your keys, we will make arrangements for lockout service. Simply call

the toll-free number on your membership application. If service in your area is unavailable, we will issue you

an authorization number so that you can call the nearest locksmith and be reimbursed for the cost up to

$50.

HOW TO OBTAIN YOUR REIMBURSEMENT

1. Call customer service to obtain an authorization number.

2. Call the locksmith of your choice.

3. Obtain an itemized receipt for the service performed. Please write the authorization and membership

number on the original paid receipt (not a photocopy) and send it within 60 days to:

National Adjustment Bureau Claims Department

800 Yamato Road, Suite 100

Boca Raton, FL 33431

888-684-9327 Fax: 561-226-3613

Please note

• The cost of making replacement keys or lock repair is not covered.

• Claims that are postmarked more than 60 days after the service date will not be honored.

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The purpose of the roadside assistance benefit is to provide service in common emergency situations.

Coverage does not include:

· Service if member is not with the disabled vehicle. However, don’t remain with the vehicle if it is unsafe to do so.

· Towing or service on roads not regularly maintained (including private property).

· Repeated service calls fora car in need of routine maintenance.

· More than one (1) service per disablement.

· Service when a vehicle is snowbound. We do not hoist, winch or shovel vehicles from unplowed areas, snow banks, snowbound driveways or curbside parking.

· Service will not be rendered in areas not regularly traveled, such as vacant lots, beaches, open fields or other places which would be hazardous for service

vehicles to reach.

· Installation or removal of snow tires and chains nor dismounting repairing or rotating tires.

· Vehicle storage charges, cost of parts and installation, products, materials, impounding and additional labor relating to towing.

· Service for: taxicabs, tractors, boats, trailers, recreational vehicles and trucks, dune buggies, or vehicles used for competition, stolen vehicles, unlicensed

vehicles, illegally parked cars or impounded vehicles.

· Service to vehicles with expired safety inspection sticker, license plate sticker, and/or emission sticker(s) where required by law.

· Service to vehicle which is not in a safe condition to be towed.

· Transportation for the member to the vehicle for service or from the vehicle to another destination after service has been rendered.

· Towing of vehicle off a boat dock or marina

· Service on vehicles used for commercial purposes or using dealer tags

· Towing at the direction of a law enforcement officer related to traffic obstruction, impoundment, abandonment, illegal parking or other violations of law.

· Reimbursement for towing charges covered by automobile insurance.

· Towing of vehicles for disposal (i.e., to junk yard).

· Excessive use of club services is cause for non-renewal or cancellation of membership

Terms and Conditions of Roadside Assistance

1. As a member, you will not be required to pay any additional fee or sum in addition to the membership fee when your service is for a tow of 5 miles or other covered

service that does not exceed the benefit limit of $50.00 per occurrence.

2. Your membership continues until expiration or cancellation by yourself or the program.

3. All 24-hour roadside assistance services are provided by Nation Safe.

4. This is not an automobile liability insurance contract.

5. This is not an automobile physical damage insurance contract.

6. Service obtained from any other source other than Nation Safe is not covered and is not reimbursable.

7. 24-Hour Roadside Assistance: You must call 800-745-5791 for your 24-hour emergency roadside benefits.

IMPORTANT: Please be with your vehicle when the service provider arrives, as they cannot service an unattended vehicle.

NOTE: Only one (1) service per seventy-two hours and five (3) free services per year.

a. Towing – Provided for up to 15 miles at no charge to member. Additional mileage is the responsibility of the member and will negotiated prior to sending out service

(extrication is excluded).

b. Emergency Road Service – Any available contracted road service that is needed to get your vehicle running (i.e. hose replacement or tightening of cables or belts

etc.)

c. Essential Fluids or Supplies Delivery – Including gasoline, water, oil, or any supplies necessary to send a member’s car on its way (member responsible for actual cost

of fluid or supplies requested).

d. Flat Tire Changes or Repairs – Includes changing a flat tire with your good spare or plugging a punctured tire.

e. Emergency Battery Service – Includes tightening or cleaning of cables, jumpstarts, minor adjustments to alternator etc.

f. Lockout Services – Lost keys, broken keys, or accidentally locked out of your vehicle, we will send a locksmith.

Coverage: Is extended to member, legal spouse and dependent children living at home and for vehicles registered in their names only.

The following items are not included as part of the emergency roadside assistance benefit:

Cost of parts, replacement keys, fluids, lubricants, or fuel, cost of installation of products, material and additional labor related to towing. Disconnecting or reconnecting

drive shaft. Non-emergency towing or other non-emergency service. Trucks over one-ton capacity, taxicabs, limousines or other commercial vehicles. Towing from a

service station, garage or repair shop. Towing by other than a licensed service station or garage; vehicle storage charges; a second tow. Service on a vehicle that is not in

a safe condition to be towed. Towing or service on roads not regularly maintained, such as sand beaches, open fields, forests and areas designated as not passable due

to construction, etc. Mounting or removing of snow tires or chains. Towing at the direction of a law enforcement officer relating to traffic obstruction, impoundment,

abandonment, illegal parking, or other violations of law. Repeated service calls for a covered vehicle in need of routine maintenance or repair.

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LegalServices

To Access Legal Services: Call 800-305-6816 and have your member number handy.

1 in 2 families will require the services of an attorney. In many instances, legal issues are precipitated by

other personal and professional challenges in one’s life. Mounting debt, tax season, substance abuse,

stress on the job, or a personal crisis may be the catalyst for legal assistance. To help address these

multiple needs, we’ve included a family protection plan. The plan provides members with access to a

network of pre-qualified professionals in each of these major areas:

• Legal Care

• Tax Preparation & Advice

• Financial Education & Credit Counseling

• Identity Theft Solutions

• LifeEvents™ Counseling

BENEFIT FEATURES

Our legal referral service is a nationwide network of plan attorneys who provide free and discounted legal

care for over 1 million families. Membership includes you, your spouse or domestic partner, dependent

children under the age of 25 and any dependents that may be living with you, such as a parent or

grandparent.

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The following nine (9) services are available at no charge.

• Initial phone consultations for each new legal matter (no time limit)

• Initial face to face consultations for each new legal matter (no time limit)

• Review of independent legal documents (6 page maximum per document, no limit to the number of new

independent documents)

• Plan attorneys will prepare a free Simple Will for you and your family, as well as update the Will

annually for free. (See definition of Simple Will in Section 3 of the Plan Guidebook). Alternatively,

members have access to a more comprehensive and customized web based Simple Will

• A state specific, web based, free Living Will form is available to Members. This form can be notarized by

a Notary Public

• Plan attorneys will help Members represent themselves in small claims court

• Assistance in solving problems with government programs, such as INS and welfare

• When deemed appropriate by your plan attorney, he or she will write letters on your behalf (one letter per

legal matter, with no limit on the number of new legal matters)

• When deemed appropriate by your plan attorney, he or she will make phone calls on your behalf (one

phone call per legal matter, with no limit on the number of new legal matters)*In certain situations, attorney liability may require plan attorneys to ask for a retainer from the member prior to providing some of the free Legal Services.

DEEPLY DISCOUNTED LEGAL SERVICES**

The following are eight (8) commonly used legal services for which plan attorneys have agreed to

charge a one-time, deeply discounted fee.

LEGAL SERVICES

• Traffic Ticket Defense

• Name Change

• Simple Will with Minors Trust

• Chapter 7 Bankruptcy

• Non-Support (Spouse/Child)

• Simple Divorce

• Regular Incorporation

• Personal Real Estate Closing**Court costs, filing fees and time charged for travel to and from any courts are additional.

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GUARANTEED LOW HOURLY RATE

Plan attorneys have contracted to charge no more than $125.00 per hour, or 40% off their usual and

customary hourly rate, whichever is greater, for legal care that goes beyond the free and discounted

services described above.

RETAINERS

In the case of extended legal care, plan attorneys may ask you for a retainer. Any retainer sought will be

computed by multiplying the number of hours a plan attorney believes a case will take, by the plan’s

discounted hourly rate. For instance; 10 hours x $125.00 = a retainer of $1,250.00. Any unused portion of

the retainer will be returned to you

CONTINGENCY FEE DISCOUNTS

The contingency fee discount will be a 10% reduction of the state maximum rate or the attorney’s usual rate,

whichever is lower.

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Tax & FinancialServices

To Access Tax & Financial Services: Call 888-490-0382 and have your member number handy.

The Family Protection Plan provides comprehensive personal tax benefits including free tax return

preparation and unlimited, toll-free, tax related advice during normal business hours. Additionally, you will

have access to most commonly used tax related schedules free of charge or at a significantly discounted

rate.

TAX RELATED BENEFITS

• Unlimited advice for personal and business matters on federal taxation via toll-free phone call/

fax/e-mail (no time or frequency limitations)

• Free mail-in tax return preparation (includes 1040EZ, 1040A, and 1040)*

• Free preparation of all schedules that accompany the form 1040*

• Receive a discount off of tax returns prepared by H & R Block®**

• IRS audit assistance

• Tax professionals will review any notice or letter issued by the IRS and provide advice on how to

understand and solve the matter.

• Access to a web-based IRS audit tutorial, as well as an IRS notification tutorial IRS notification

assistance

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TAX PLANNING

• Review of prior year’s tax return*

• Member portal with tax tips, tax law changes, tax

organization area, IRS audit area, IRS notification area

and member advice on-line

• All tax and financial assistance is provided by tax

attorneys, financial analysts, CPA’s, former auditors and/or Enrolled Agents certified by the IRS.

Additionally, all tax and financial advice is backed by a $1 million liability policy.

*Limit one (1) per household.

* For new H&R Block clients only. A new client is a person who did not use H&R Block offices services to prepare their prior year return. Not valid on federal form

1040EZ and related forms. Valid only at participating US offices. Void if sold, purchased or transferred, and where prohibited. Offer must be presented prior to

completion of initial tax office interview and may not be combined with any other offer, discount or special promotion or pricing program. Valid only for tax prep fees for

an original personal income tax return. © 2009 HRB Tax Group, Inc.

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Identity TheftProtection

To Access Identity Theft Protection Services: Call 888-490-0382 and have your member number handy.

Our unique identity theft solution provides you with all the components necessary to restore your identity,

and prevent future incidents of identity theft. All work done on your behalf is performed by qualified

paralegals. Our program takes a completely hands on approach to identity theft restoration.

You will have 24/7, 365 days per year access to Identity Theft Restoration Advocates who will provide you

with comprehensive, personalized recovery services.

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IDENTITY THEFT INSURANCE*

You will also receive up to $1,000,000 worth of identity theft insurance coverage underwritten by a

nationally recognized Insurance Carrier with an “A” or better AM Best Rating. This coverage will help

offset some of the cost of restoring your identity to its original status including:

• Lost wages: $500.00 per week, for 4 weeks maximum

• Re-filing of loans

• Defense cost for certain civil & criminal law suits

• Reimbursement of fees: Reasonable and necessary costs incurred in the United States by the

insured for:

• Re-filing applications for loans, grants or other credit instruments that are rejected solely as a

result of a stolen identity incident

• Notarizing affidavits or other similar documents, long distance telephone calls and postage solely as a

result of the insured’s efforts to report a stolen identity incident and/or amend or rectify records as to

the insured’s true name or identity as a result of a stolen identity event

• Up to six credit reports from established credit bureaus (with no more than two reports from any

one credit bureau) dated within 12 months after the insured’s discovery of a stolen identity incident.

• The description herein is a summary only. It does not include all terms, conditions and exclusions of

the policy described. Please refer to the actual policy for complete details of coverage and

exclusions. Coverage not available to residents of New York and may not be available in other

jurisdictions. Insurance coverage is limited only to the member.

IDENTITY THEFT RESTORATION

Upon notification of an identity theft incident, Privacy Advocates will act on your behalf as a dedicated case

manager to:

• Investigate and confirm the fraudulent activity, including known, unknown and potentially

complicated additional sources of identity theft.

• Complete and mail customized, pre-populated, state specific “Fraud Packet“ via certified mail with pre-

paid return instructions.

• Place phone calls, send electronic notifications, and prepare appropriate documentation on the

member’s behalf, including dispute letters for defensible complaints to any and all appropriate state

agencies and financial institutions.

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• Issue fraud alerts and victim statements when necessary, with the three consumer credit reporting

agencies, the FTC, SSA, and U.S. Postal Service.

• Submit Special Limited Power of Attorney and ID Theft Affidavit to involved creditors for card

cancellation and new card issuance.

• Contact, follow up and escalate issues with affected agencies, creditors, financial institutions, to

reinforce member’s rights.

• Assist the member in notifying local law enforcement authorities to file the appropriate official

reports.

• Utilize real time access to public records reports including DMV, criminal, address changes, liens,

and judgments for further investigation where applicable.

• Provide peace of mind and resolution of key issues from start to finish as swiftly as possible.

• Provide members with a “Case Completion Kit“ including copies of documentation,

correspondence, forms and letters for their personal records.

LOST OR STOLEN CREDIT CARD ASSISTANCE/DOCUMENT

RECOVERY SERVICES

Privacy Advocates will assist members in the event their credit cards are misplaced or stolen.

Privacy Advocates will:

• Consult with member to determine the severity of the event

• Obtain credit reports from each of the three major credit

• Contact each credit card company or other financial institution with the member via

teleconference.

• Cancel members affected credit cards

• Request new replacement cards

• Place fraud alerts with all three major credit bureaus

• Assist members with interpreting their credit reports

• Provide daily ID monitoring for six months to help proactively prevent any additional identity fraud

• Provide credit dispute assistance

• Assist with additional lost items including driver’s license, library, and other membership cards.

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IDENTITY MONITORING**

Identity Monitoring searches and monitors for past history as well as real time identity frauds or

threats. This service includes:

• Secure, hassle-free identity monitoring

• Actionable identity alerts

Our Identity Monitoring does much more than monitor credit, offering a solution as robust as the ones

used by the nation’s leading financial institutions to prevent theft. Identity Monitoring uses innovative

technology to detect misuse or even an elevated likelihood for misuse of an individual’s

Social Security number, name, address, phone, and date of birth. By creating a SNAPD identity

blueprint, this program monitors billions of data on a daily basis from sources such as:

• New Credit Cards

•Wireless Carrier Applications

• Retail Credit Card Accounts

• Automobile Loans

• Mortgage Loans

• Payday Loans

• Checking Accounts and Check Reorders

• Utility Accounts

• DMV Records

• Government Databases

• Real Estate Records

• Court Records

• Criminal Records

• Social Security Records

As identity fraud usually precedes identity theft, this type of proactive system is critical to mitigating the

extensive and expensive damage perpetrated after an identity is stolen and manipulated.

** Identity Monitoring coverage is limited only to the member.

KEYLOGGING DEFENSE SYSTEM™

Our unique program is the only one in the country that provides you with a software tool that helps

prevent identity theft.

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Keyloggers are self-propagating viruses that steal your keystrokes, and the information contained, as you

navigate the Internet. Our Keylogging Defense System™ helps to proactively prevent online identity theft

by encrypting every keystroke at the keyboard level and then reroutes those encrypted keystrokes directly

to your Internet browser. Our Keylogging Defense System™ bypasses the multiple communication areas

that are normally vulnerable to keylogging attacks that could compromise your vital information.

With our defense system, members can now browse, access critical business applications, shop and

bank online with confidence knowing that each and every keystroke is encrypted and not being

transmitted to an awaiting Identity Thief.

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PersonalConcierge

To Contact a Personal Concierge: Call 888-210-4811. Have your member number handy and your

Group #: XXXX

RECOVERY SERVICES

Designed to assist you in virtually any situation a traveler may encounter. LOST OR STOLEN If your

passport, cash, traveler’s checks or credit cards are lost or stolen, we can arrange for emergency cash to

be sent to you, cancel your payment cards and also help with the bureaucracy involved in getting your

passport or your travel tickets replaced.

MEDICAL EMERGENCY

If you are taken ill, or even if you have lost your usual medication, we can put you in touch with local

hospitals or doctors. In any sort of medical emergency, we can get you prompt advice or treatment.

GET HOME FAST

In an emergency, we can arrange flights and other transport to get you home as quickly as possible. You

can call the toll-free number from anywhere in the United States, 100 miles or more away from home.

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EMERGENCY INTERPRETATION

If you’re in a crisis, the last thing you need is a language barrier. So, we supply language interpreters who

will help you talk to the people around you. You will have access to multi-lingual interpretation service by

telephone, verbal translation to or from English using our Call Centre staff. This service is available only

for personal use while traveling and not for business. our provider is not responsible for any

misinterpretation.

GET A MESSAGE HOME

We will arrange for you to get a message home to your

friends and relatives, letting them know where or how you

are, and informing them of the current situation. Members

have access to a customer service representative who can

arrange for a brief message to be delivered to a friend or

relative by telephone, fax or email. From an agreed time,

the customer service representative will make

attempts at various intervals to convey the message. If the customer service representative is not able to

convey the message, the Member will be advised and additional message requests can then be

requested.

INTERNATIONAL DINING

We provide information on restaurants in most major cities that includes cuisine, star ratings, directions,

pricing and payment methods. You can receive information on restaurants in many locations worldwide.

The customer service representative will, where possible and if requested, make a reservation on your

behalf with the restaurant and provide details of any reservation number. Members are responsible to the

restaurant for settlement of all bills. All reservations are subject to the restaurant’s standard terms and

conditions.

GOLF COURSE INFORMATION

Learn approximate course fees, handicap requirements, course details and contact information for golf

courses worldwide. We will check the availability of tee times (subject to each individual course’s tee

reservation policy) and confirm any specific handicap requirements when possible. The customer

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service representative will, if requested, and where possible, make a reservation with the golf course on the

Member’s behalf. All reservations are subject to the golf course’s standard terms and conditions.

DISCOVERY SERVICES

Our service is not just there for when you’re traveling, it can also help organize your leisure activities at

home. Designed to offer help, information and inspiration to the time-stressed individual, helping them

get the most from their leisure time – before, during and after their travels.

LOCATION INFORMATION

We offer useful information such as where to eat, where to stay, how to find out what’s going on or even

how to fill a rainy day. The customer service representative will, where possible and if requested, make a

reservation on behalf of the Member with the restaurant using the Member’s credit or payment card details

and provide details of any reservation number. You will be responsible directly to the restaurant for

settlement of all bills. All reservations are subject to the restaurant’s standard terms and conditions and our

provider will not be responsible for the failure of the service provider to provide any services booked.

BOOKINGS

We can arrange bookings for hotels, car hire, airport transfers and many other services, whether you’re

planning your trip or if you’ve already arrived.

HOTEL RESERVATION AND INFORMATION

We can provide you with advice and assistance for the reservation of hotel accommodation in many

locations worldwide. The customer service representative will make a reservation on your behalf with the

hotel, if requested, using your preferred credit or debit card details and provide confirmation of any

reservation number. You will be responsible directly to the hotel for settlement of all bills. Some hotels may

reserve the right to debit your credit or debit card in the event of canceling the reservation or failing to take

up the accommodation. All reservations are subject to the hotel’s standard terms and conditions. We will

not be responsible for the failure of the hotel to provide any accommodation that has been booked.

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CHAUFFEUR DRIVEN CAR SERVICE

In most major cities, we can organize chauffeur facilities for airport transfers, meetings and events or for the

full duration of a trip. This service is available for all Members who require a privileged service for special

journeys. The customer service representative will, if requested, make a reservation on your behalf with the

Chauffer service using your credit or debit card details and provide you with details of any reservation

number. The Member will be responsible directly to the service provider for settlement of all bills. All

reservations are subject to the service provider’s standard terms and conditions and we will not be

responsible for the failure of the service provider to provide any services booked.

LATEST NEWS

We can tell you the latest flight departure times, and whether or not there are delays. While you’re

away, we’ll update you on the latest sports results, stock market indices or other news from home.

HOME FROM HOME

This service will provide up-to-the-minute global news headlines, global and local sports news

information and scores (for major cities and towns) and financial news from major cities worldwide.

LIFE SAVER

If you’ve forgotten a birthday or anniversary, or if you suddenly receive news that needs more attention than

a phone call, we can arrange for flowers or gifts to be sent on your behalf, wherever you are in the world. In

conjunction with a recognized international florist using a network of worldwide locations, we can arrange for

the delivery of a selected seasonal flower arrangement or bouquet on your behalf. The Member will be

advised and be responsible for all transaction costs including handling and delivery with payment by means

of a credit or payment card.

GIFT DELIVERY

Our provider will arrange for the delivery of a quality gift through selected retailers on behalf of the

Member to addresses situated within most major locations worldwide.

TICKETS FOR EVENTS

Our provider can arrange tickets for the latest rock concert, or reserve seats for a show. From sporting

events through theatres – the choice is yours.

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HOSPITALITY AND EVENT TICKETING

The Member will have access to cultural and sporting events in most major cities worldwide using the

services of our provider and approved ticketing agencies. Advice will be available on availability, collection

and delivery of tickets. The customer service representative will, if requested, make a reservation on behalf

of the Member with the ticketing agent. The cost of tickets, handling fees, applicable taxes and delivery

charges (if any) will be debited to the Member’s credit or payment card. All reservations are subject to the

ticketing agent’s standard terms and conditions and our provider will not be responsible for the failure of the

agency to provide any services that have been booked.

TIME FOR YOU

We’ll help you plan and organize your leisure time back home, whether you want some ideas for a romantic

weekend break, need a dinner reservation, want information on health spas or need to know what’s going

on for kids during the holidays.

SPECIAL OCCASIONS

If you need to plan an event to celebrate a birthday or anniversary or you simply want to surprise your

loved one with a special treat, we have got tons of ideas and can help you arrange it all too.

HOW IT WORKS

Simply call (716) 219-2823 and press #4 (also printed on your member card).

The personal concierge plan benefits are non-insurance services. All benefits provided are service

benefits, not financial benefits, and are not part of a filed insurance policy. Our provider will help

arrange services but any cost associated with securing the benefits or services are at the member’s

sole expense.

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Pet ServicesClub

VETERINARY CARE

Our Pet Club members receive a 25% discount from participating in-network vets on billed veterinary

medical services right at the time of the visit. Because our Pet Club is not pet insurance, there are no

claim forms, deductibles, or waiting for reimbursements. The discount is applied to the bill upon checking

out when members present their Membership Card. Instant savings with no paperwork, no deductibles,

and no hidden fees. NO WORRIES -simply savings!

DISCOUNTED SERVICES INCLUDE:

• Office visits & exams

• All vaccines

• X-rays

• Any elective procedure (e.g. , dental care)

• Any surgeries (e.g. , spay and neutering)

• Hospitalization

There are no exclusions with our Pet Club. Whether your pet is furry, feathered, or covered in scales, Pet

Assure offers the same discounts. All pets are eligible regardless of type, age, health status previous

health history, or any health-related conditions that may arise in the future.

With our Pet Club program, there is no annual usage limit. The discounts are available to members as

long as they remain active.

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Please Note:

Discounts on food and flea products, low margin medications, non-medical boarding and grooming, and

any outside services, such as lab work or outside specialists, are not discounted at the vet’s office. For

these items, our Pet Club members can still find them at a discount through our network of participating

retailers.

HOW TO ACCESS VETERINARY CARE DISCOUNTS.

1.Locate the nearest participating veterinarian at: https://www.petassure.com

2. In the upper right corner, enter your address or zip code or city for a list of veterinarians near you.

Our network reaches across all 50 States, Washington DC and Puerto Rico

3. Present your membership card with the Pet Assure logo on the front when paying for services and

receive instant savings with no paperwork, no deductibles and no hidden fees*.

The discount is applied directly to your bill so you don’t have to wait for reimbursements or fill out time-

consuming claim forms**.

Our Pet Club is not insurance, which lets us give you extra savings without the hassle.

And the savings never stop. We don’t cap your usage with an annual limit. You can use your card as

long as you’re an active member.

*These discounts apply to billed veterinary services from participating in-network vets. Present your

membership card with the Pet Assure logo on the reverse side at the time of payment to ensure your

discount.

**Discounts on food, flea and parasite control products, medications, non-medical boarding and grooming and any outside services such as lab work or specialist visits

are not discounted at the vet’s office but can be found at a discount with our extensive network of participating retailers.

RETAIL DISCOUNTS

Every Pet Club member receives savings from our national and local networks of participating retailers on

items such as food, supplements, medications, toys, kitty litter, boarding, grooming, pet sitting, training,

other services, and so much more. Our vendors offer our members up top 50% off. The possibility for

savings is endless!

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For a list of participating vendors and their member discounts, log on to our site at:

https://www.petcarerx.com

Before checking out, in the promo code box, enter ‘petassure15’, for an extra discount.

LOST PET RECOVERY SERVICE

PALS, our Pet Club Locator Service, has reunited thousands of lost pets with their families. Each pet

included in every membership receives a Pet ID Tag to identify him/her electronically in our system. Each

tag is imprinted with a unique identification number that corresponds with your pet’s information. In the

event a pet becomes lost, the finder can easily locate the tag on the pet’s collar and call the PALS Hotline.

Our 24/7 service staff begin calling each emergency contact listed in the account to get the pet back to

his/her family safely and swiftly.

How to Register For the Lost Pet Recovery Service

1.Log in at https://www.petassure.com/create-login-search/ (If you don’t have a Pet Assure ID, you can get

yours by connecting to Pet Services through the number on your Member Card). Once you provide them

with your name, they will give you your Pet Assure ID number.

Sample ID Tag

*Please note that the owner’s personal information is omitted from the tag

Using your membership number, fill in the requested information. We will then mailout your pet tags

Prescription Discounts for Your Pets

• Average savings is 24%.

• There are no limits on how many times the card can be used.

• You can use it for your pets and your families prescriptions.

• There are no claim forms to fill out.

If your pet is prescribed a medication, ask your veterinarian if the medication is also used to treat human

conditions. Examples are medications for seizures, heart conditions, infections, allergies, pain relief,

diabetes and anti-depressants used to treat behavioral disorders in animals. Ask your veterinarian for a

written prescription and take the prescription to a participating pharmacy along with your RX Savings Card

which includes the details for the pharmacist to apply a discount.

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EntertainmentDiscounts

As a BACC member, you can take advantage of special deals on movies, hotels, attractions, plays,

concerts and much more, all included in your membership!

BOOK TRAVEL FOR LESS

Save up to 50% on hotel reservations (Hilton, Marriott, Hyatt and more) and up to 25% on rental cars

(Budget, Enterprise, Avis and more).

DISCOUNTS ON ENTERTAINMENT

Get up to 30% off movie tickets (AMC, Regal, United Artists and more) and up to 40% off Cirque du

Soleil®, Broadway shows, Las Vegas shows, South Florida shows and more.

THE MOST POPULAR ATTRACTIONS

Visit theme parks nationwide (including Walt Disney World®, SeaWorld®, Universal, Bush Gardens, Six

Flags, Legoland®, Sesame Place and more) for up to 45% off for the whole family.

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EVENTS

Whether you’re going to a sporting event or a concert, you can save up to 50% quickly and easily by

purchasing on our member website.

You’re now connected to the world’s greatest entertainment & travel discounts.

DISCOUNTS UP TO 60% AT:• Universal Orlando Resort • Las Vegas Shows

• Walt Disney World Resort • Citypass Nationwide

• Cirque du Soleil • Dinner Shows

• SeaWorld Parks • Sightseeing Tours

• Disneyland • Movie Tickets

• Six Flags • Rental Cars

• Broadway Shows • Sporting Events

FAQ’S

Q. What makes this program unique?

A. We have direct strategic partnerships with AMC, Cirque du Soleil, SeaWorld Parks &

Entertainment, Walt Disney World & Universal Orlando Resort to name a few, allowing us to bring

exclusive discounts to your members

Q. Are your products available nationwide?

A. We offer the most comprehensive entertainment program available. Each week we add new shows and

attractions to our website. Our goal is to have something for every member no matter where they’re

travelling.

Q. Are these discounts available to the public?

A. No, these are exclusive direct member-only offerings.

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Free DiscountHealth brought to you by WellCard

To access your WellCard benefits,

1. refer to your member guide

2. refer to your member guide

3. enter your Group ID: refer to your member guide

4. fill in all required fields, then click ‘continue’

5. confirm your information, then click ‘continue’

6. read terms and conditions and check off two boxes, click ‘continue’

7. on upper right, click on ‘text card’ and then fill in your mobile number

8. save your card on your phone as it makes it easy to access as you must present your card to the

pharmacist or provider to get your discounts.

Once logged in, click in the ‘Quicklinks’ box (upper left) and select the service you need, to get

instructions on how to access its providers/services.

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MEDICAL NETWORK

Your WellCard Membership provides you savings at over 410,000 physicians and over 45,000 ancillaries

(lab, x-ray, imaging, durable medical equipment, home health care). You can benefit significantly on medical

services by utilizing the contracted provider networks.

To locate a provider, refer to your member guide

Participating providers include specialties such as weight loss, infertility, pediatricians, family doctors,

allergists, dermatology and internal medicine. There is no limit to the number of times you can save when

visiting participating providers.

TELEMEDICINE

A Co-pay is required per consultation, our U.S. based board certified physicians can consult,

diagnose and if medically appropriate, prescribe medication.

WHEN TO USE

• When your doctor is unavailable

• At home, work or traveling

• 24/7/365, after hours, holidays and weekends

• For Pediatric care

• General medical advice from licensed physicians

• Common and acute illnesses

COMMON ISSUES TREATED

• Acid Reflux

• Acne

• Allergies

• Asthma

• Bacterial Infections

• Bronchitis

• Cold & Flu

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•

•

•

• Ear Infection

• Fever

• Infections

• Migraines

• Nausea

• Pink Eye

• Rashes

• Sinus Conditions

• Sore Throat

• Stomach Virus

• Urinary Tract Infections

PEDIATRIC CARE

• Cold & Flu

• Ear Infection

• Fever

• Nausea & Vomiting

• Pink Eye

ONLINE HEALTH PORTAL

Telemedicine provides consumers with secure online access to their medical records 24/7. Physicians

have access to your medical records on an as needed basis once you initiate the consultation. Our online

health portal also provides you with convenient scheduling for specific times and health tip tools. Patients

can forward all their communication with our Physicians Network to their primary care physicians or other

specialist as needed.

24/7 PET

24/7 Pet Help Line

One thing all pet parents know is that accidents and illnesses don’t wait for regular veterinary office hours.

That’s why WellCard Savings has partnered with whiskerDocs to give you discounted access to veterinary

experts 24/7.

DENTAL CARE

The dental discount plan offers significantly reduced fees saving members an average of 20% to 50% off

of almost all General Dentists’ and Specialists’ standard fees. Members get access to over 80,000

credentialed Dentemax dentists nationwide for:

• Preventive & Diagnostic (Oral Exams, Cleanings, X-Rays)

• Restorative (Fillings, Inlays and Crowns)

• Endodontics, Periodontics, and Prosthodontics

• Oral Surgery

• Orthodontics

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The dental discount plan is not insurance, which keeps it simple and more convenient. Members enjoy:

• No administrative forms or hassles

• No red tape. Members are automatically accepted when they join

• No limits on the number of times a member can see a provider

• No waiting. Members can start using the plan as soon as they receive their ID cards

• No age restrictions

VISION CARE

Protecting and enhancing your vision is an important part of your overall heath –and quality of life.

WellCard can help to offset the costs of vision exams and glasses. Even if you have vision insurance,

WellCard can save your family on replacement glasses, non-covered spare glasses, designer

sunglasses and more! And did we mention WellCard is free?

With more than 66,000 provider access points nationwide, you’ll enjoy immediate savings, service and

convenience. WellCard members can receive up to 50% in discounts and enjoy cost-controlled pricing

on exams, glasses and sunglasses, as well as access to special manufacturing rebates and pricing on

contact lenses and corrective surgery (LASIK, RPK, etc.). What’s more, the discounts can be used over

and over throughout the year. With the widest selection of quality eyewear, and Vision Care Benefits

Page 30 / 33

HEARING CARE

• Free Annual Hearing Screening – find out if you have hearing loss, what type of hearing loss, and

does it need medical attention

• Nationwide Network with thousands of providers

• Coverage available to all Family Members, even if they live in another household

• 30 - 70% discounts off of MSRP for 9 top brands of Hearing Aids

• 3 years of Follow Up Office Visits

• 3 year Warranty

• 3 years of Loss and Damage Coverage

• 3 years of Free Hearing Aid Batteries

• Financing Available to qualified members

LAB SAVINGS

MyBenefitsLab empowers you to take control of your health! We provide you with personal access to

more than 300 different blood tests from nationally-accredited well-known clinical laboratories near you.

MRI & IMAGING

One Call Diagnostics is the premier radiology network and scheduling company, offering high-quality,

affordable imaging solutions for individuals who are uninsured, carry high deductible health plans, or wish

to self-pay. One Call’s national network consists of over 2,900 fully credentialed imaging facilities and

enable us to offer imaging tests at up to 50% off usual and customary prices.

There are no hidden charges or enrollment fees - simply tell us your location and we will schedule your

testing for you at a convenient diagnostic imaging facility at a reduced cost. Upon test completion, the

results will be provided to the ordering physician.

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Benefits of Using the One Call Network:

Our coverage area serves all of the major population centers in the U.S. and also provides access in many

rural markets. Finding a participating facility close to your work or home is just a phone call away. Providers

undergo a rigorous credentialing and peer review process for radiology quality.

Unique scheduling services to assure you receive the finest diagnostic care in the nation – as quickly as

possible at significantly reduced costs.

The One Call dedicated team of specialists provides personalized attention and delivers world class

service that includes:

• Toll-free telephone access

• Multilingual customer service staff

• Priority appointment scheduling

• Coast-to-coast coverage with hours of operation

• 8:00am-8:30pm EST

• Up to 50% savings on MRI, CT and PET Scans

RX DISCOUNTS

Need prescription for savings? Your WellCard is an easy way for you and your family to save on all your

prescription drug needs. One card can be used by all family members. Instantly receive savings that

average 50% or higher on drug prices through our nationwide network of over 59,000 pharmacies,

including major chains such as CVS, Wal-Mart, Walgreens, Rite-Aid and Costco and community

pharmacies. Your card can also be used through our exclusive mail order service to save an average of

20% off the regular retail price of your mail-order prescription drugs.

DIABETES CARE & SUPPLIES

Fine Quality Diabetic Supplies At Prices LESS Than Big Box Retailers And National Pharmacy Sale

Prices. Members Save 52-75% On Diabetic Supplies. 3 to 5 days UPS Ground Residential Home Delivery.

No More Pharmacy Trips.

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MARYLAND RESIDENTS

Discounts for hospital services, if any, are not applicable in Maryland.

MASSACHUSETTS RESIDENTS

The plan is not insurance coverage and does not meet the minimum creditable coverage requirements

under M.G.L. c. 111M and 956 CMR 5.00. The range of discounts for medical or ancillary services provided

under the plan will vary depending on the type of provider and medical or ancillary service received.

TEXAS RESIDENTS

Note to Texas Consumers: Regulated by the Texas Department of Insurance, P.O. Box 12157 Austin

Texas 78711: telephone 1-800-252-3439 or (512) 463-6515; website: www.tdi.state.texas.com

UTAH RESIDENTS

These programs are not covered by the Utah Health Insurance Guarantee Act.

WEST VIRGINIA RESIDENTS

If after receiving our response and you are not satisfied with the resolution you may write or call: West

Virginia Insurance Commissioner

• This plan is not available in the following states MT and VT.

• This is not a Medicare Part D Prescription Drug Program.

• This plan is not insurance.

• The plan provides discounts at certain healthcare providers for medical services.

• The plan does not make payment directly to the providers of medical services.

• You are obligated to make payment for services but you will receive a discount from those providers

contracted with the plan.

• The name of the licensed discount medical plan organization is Access One Consumer Health, Inc.

(not affiliated with AccessOne Medcard)

THIS PLAN IS NOT INSURANCE

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Member Guide

Documents

Transcript of Member Guide