Health Dividends®

Membership that lets you choose what’s best for your health…

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Lives Balanced at the Core

Membership Perks…

  • Exclusive and Affordable insurance benefits for you and your family
  • Health Dividend® Partner network
  • Monitor your health activities
  • Watch your health trend
  • Rewards Program

It’s your membership. It’s your choice.

The Health Dividend® Difference

Our membership acknowledges consumers who are already making healthy lifestyle choices and those who are committed to getting involved and making a continuous effort.  The result of their healthy efforts are financial incentives based upon progressive coverage insurance plans – the ability to experience reduced premiums – and reduced costs for health care services within our partner network. This unique structure attracts and retains members and places responsibility upon the individual to form wise choices toward living a proactive and healthy lifestyle.

The Health Dividend® Advantage

Creating a healthy nation, one member at a time, by supporting and promoting individual health and well-being, positive self-awareness, less dependence upon prescriptions, continuous medical care, and ultimately lowering members cost to insure against medical risks.

Insurance Benefits

consultantMembership gives you access to exclusive insurance benefits for you and your family. You pick and choose the coverage(s) that best suite your needs. If life circumstances or needs change down the road, contact us and we’ll adjust your coverage. Our goal is to provide you outstanding service, quality and value with insurance benefits for every stage of your life!

Want to view benefits and rates or contact a Certified Health Dividend® Consultant?

Health Dividend® Partner Network

Health Dividend™ Partners are certified health professional and advocates focused on prevention and healthy living.  They provide education and personalized plans to help you achieve your desired results.

Providing a service you can trust.  All Health Dividend® Partners must be properly licensed and certified in their field and conduct business in a moral and ethical manner.

The network includes:

  • Naturopathic
  • Chiropractic
  • Fitness
  • Dentistry
  • Acupuncture
  • Nutrition and more…

Health Activities

It’s more than just physical activity.  It’s behaviors and actions that contribute to a particular purpose or goal.  Health Dividends® encourages you to monitor your activities as much as you choose.  The goal is making sure your intentions become habit.  The results and efforts are up to you!

Health Trend

Some of us are born with health challenges; others are experienced by unforeseen events or accidents, while others are experienced over time.  In most cases, it doesn’t happen overnight.  It’s a gradual process that we may not even notice.

Using simple key health markers can help you establish a trend showing you a path of steady, improved or declining health.  You choose how frequently you measure your own markers to help you make and sustain proactive, healthy choices.

Weight – Cholesterol – HDL – LDL – Triglycerides – Body Fat – Blood Sugar

Rewards with Purpose

Log your health activities to collect Health Dividends™

Earn from $10 to $100’s For example, earn up to $20 Health Dividends™ for taking a walk!

Find a Health Dividend™ partner to earn & redeem Health Dividends™ with a dollar for dollar value

(available in select cities)

Save Time and Money

Value that saves you 20%- 50% on services with trusted local Partners

Start with your current efforts and use Health Dividends™ to help you achieve your goals!

Ask your local health advocate if they are a Health Dividend™ partner to sign as a member through them or sign up online.

*Rates may vary for plans where employee picks coverage options.  Medical rates subject to change based on member’s engagement.

Membership in LifeCore’s Health Dividend™ program is required to obtain the opportunity to access  insurance coverage’s. The membership also provides additional benefits and discounts for a variety of health services through its partner network. The cost of any elected insurance coverage’s is an additional cost and not included in the monthly membership fee.  All insurance products are administrated or provided by Dedicated Health Solutions LLC a LifeCore affiliate company exclusively for Health Dividend® members.

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Accident Insurance

 

What it is

Injury prone? Weekend warrior? Accident insurance can pay a benefit directly to you. It can offset the high cost of co-pays, deductibles and other expenses your medical insurance doesn't cover.

 

What it covers

From an ambulance ride to a fractured arm to a stay in the hospital, the plan you sign up for could cover a multitude of scenarios, such as broken bones, dental work, hospital admission and transportation.

 

What it costs

The price will vary depending on the plan; however, protecting yourself may cost as little as a couple of cups of coffee a week.

 

What it will pay

The benefit paid out will be based on the covered injury or related services. Your plan will have a set payment for each injury or related service. For example, if an accident occurred and you needed to take a trip to the hospital, your benefit includes a set lump-sum amount for an ambulance ride, emergency room visit and the hospital stay.

 

What it may exclude

It will be clear in the policy what is not covered by your benefit. For example, if you are injured as the result of certain dangerous activities, you most likely wouldn't be eligible to receive a benefit.

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Cancer

 

What it is

Cancer insurance pays benefits to help pay for some of the direct medical and indirect non-medical costs related to cancer diagnosis and treatment. It can help pay for expenses that your health plan isn't designed to cover, such as deductibles, coinsurance, and travel to and from cancer treatment centers. Most plans offer family options to help protect your spouse or children, as well.

 

What it covers

Plans usually provide benefits for certain medical procedures, such as radiation/chemotherapy, anti-nausea medication and experimental treatment. Additional coverage may be available to purchase in the form of riders. Benefits can be used to cover a variety of expenses, including things such as rehabilitation costs, wellness insurance co-pays and deductibles, experimental and/or optional medicine, out-of-network expenses, travel and child-care costs, or simply helping to replace a portion of lost income. It also provides coverage for a set group of cancer screening tests, such as Pap smear, mammography, PSA (blood test for prostate cancer) and colonoscopy.

 

What it costs

The exact price will vary depending on your coverage decisions and it may be more affordable than you think.

 

What it will pay

The benefit amount paid out will be determined by the policy. Your plan will list the payment amount for each covered procedure.

 

What it may exclude

Your policy will specify any exclusions.

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Critical Illness

 

What it is

Critical illness insurance offers you a lump-sum benefit when you are initially diagnosed with a serious condition. Certain plans also include options for extended benefits for cancer treatment. It can help pay for expenses that your health plan isn't designed to cover. Most plans offer family options to help protect your spouse or children, as well.

 

What it covers

Plans usually provide coverage for a set group of illnesses, such as cancer, a heart attack or stroke. The benefit can be used to cover a variety of expenses, including things such as rehabilitation costs, wellness insurance co-pays and deductibles, experimental and/or optional medicine, out-of-network expenses, child care costs, or simply helping to replace a portion of lost income.

 

What it costs

The price will vary depending on your age, current health condition, and the amount of insurance you purchase. The earlier you purchase the insurance, the lower it will cost. On average, your weekly cost could be as little as $3.

 

What it will pay

The lump-sum amount paid out will be determined by the policy. Your plan should list the payment amount for each condition covered.

 

What it may exclude

Your policy will specify any exclusions. However, an example of when you would be excluded from receiving the benefit would be if the illness was the result of participating in an illegal activity.

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Disability

 

What it is

Disability insurance is protection for the thing that matters most—your ability to earn an income. Sometimes referred to as income protection, this insurance can replace a portion of your income if you are unable to work for a few weeks or months because of an illness, injury or childbirth.

 

What it covers

Disability coverage may replace anywhere from 40%-70% of your income, depending on the plan you select. From maternity leave to a back injury or recovery time from a serious illness, disability benefits protect you through a range of different life events. The length of time the benefit covers will vary by policy, so make sure you get the full details when signing up.

 

What it costs

The exact price will vary depending on your age, salary and coverage decisions, but it may be more affordable than you think. And, the earlier you purchase insurance, the lower the cost.

 

What it will pay

The amount you receive will depend on your policy; however, a typical plan will pay you approximately 60% of your monthly salary.

 

What it may exclude

Your coverage may exclude particular conditions, or exclusions may apply if the definition of disability is not met as noted in your policy. Your policy will specify all exclusions.

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Hospital Confinement

 

What it is

Hospital Confinement Indemnity Insurance can help fill the gaps when you have unexpected health care expenses. With medical costs on the rise, you may be faced with having to pay more for things that your health insurance won't cover.

 

What it covers

This type of insurance can help cover the cost of your deductible, coinsurance, and other out-of-pocket medical expenses.

 

What it costs

The exact cost will vary based on your age and the benefits you select.

 

What it will pay

Hospital Confinement Indemnity Insurance may provide benefits for medical expenses as the result of hospital stays, surgical procedures, diagnostic procedures, health screenings, doctor visits and emergency room visits.

 

What it may exclude

 

Your coverage may exclude pre-existing conditions, specifically named injuries or sicknesses, and conditions that arise from a prohibited act. Check your policy for all of the specific exclusions and limitations.

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Vision

 

Plan Focus® Vision $180/$180

 

Vision network provided by:

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To find a VSP provider nearest you please visit VSP.com for the most recent provider list.

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Telehealth

 

Who are the doctors?

 

We use a physician networks throughout the United States. Our network includes practicing primary care, pediatrics, family, and emergency medicine physicians. All of our doctors are licensed in the state where patients are located and have incorporated telehealth into their practice to provide convenient access to quality care.

 

When to use Telehealth

 

·       For non-emergency medical issues and questions

·       During or after normal business hours, nights, weekends and holidays

·       You live a significant distance from your primary care physician

·       Your primary care physician is not available

·       If you need a prescription or emergency refills*

·       Traveling and need medical care

·       24/7 and unlimited access to US-based, licensed physicians via phone, video chat, or email.

 

What if I need a prescription?

 

The physician network has the ability to diagnose a prescribe medications to the discretion of the doctor. With over 60,000 pharmacies available, your prescriptions are sent to your pharmacy of choice as soon as your consultation is over*.

 

* IMPORTANT: physicians will not issue prescriptions for substances controlled by the DEA, for non-therapeutic use, and/or those which may be harmful (potential for abuse or addiction).

 

Monthly Rates

Individual $9.00

Individual + Spouse $9.00

Individual + Child(ren)$9.00

Individual + Family$9.00

 

Telehealth network provided by: hy

 

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