Member
Since 1993

How It Works

Savings on virtually all your health and family needs - it's true!

There are sound reasons why we can provide members such huge savings.

Due to volume purchasing, we are able to offer this comprehensive benefit program at a much lower cost than you would pay for having all these programs if purchased separately. Members Advantage costs only pennies a day, but can be worth hundreds if not thousands of dollars a year.

FACT: Insurance companies pay most or all of your claims, which are more expensive than they need to be!

FACT: Approximately 50% of claim costs is associated with processing forms, covering the salaries and commissions of personnel and agents, and expensive lawsuits from other claimants.

FACT: Healthcare providers need to charge higher and higher prices for the services they provide, to cover their high administrative costs of filling out more and more forms, to track the payments due to them from the insurance companies and HMOs, and because they have to wait sometimes for months to get paid.

Insurance companies and HMOs contract with networks of dentists, pharmacies, optometrists, and other health care providers and receive a discounted rate because of the volume of business that they refer to these networks. So do we!

1. We reduce the high cost of insurance. With this program, there are no claim forms at all. Since our program is not insurance, you simply pay the health provider or participating plan providers when you see them, but at the same rates given to the insurance companies & HMOs. You don't need to fill out a claim form.
2. Other than our minimal fees, every dollar you spend goes directly for your healthcare, not for the costs of administrative and sales staffs, and not for the expensive costs of lawsuits.
3. Unlike insurance, which increases in cost the more you use it, we encourage you and your family to use this program as often as needed without increases in fees - (You will never hear of an insurance company encouraging frequent dental, vision and attorney visits.)
4. The other big difference is that with most, if not all insurance plans, you have to qualify for coverage and you are subject to exclusions, limitations and waiting periods. We do not need to know any details on your present or past health history or your income, and we will never ask for it. Everyone is guaranteed acceptance for the same low plan pricing, and it includes all members of your family.

This program was designed to help those who:

• cannot afford an insured plan;
• are uninsurable or have critical policy exclusions;
• are unemployed or working part-time;
• have insurance but have limited or no coverage for dental, prescription drugs, vision, legal advice and/or identity theft protection.
• There is absolutely no reason that everyone shouldn't have access to affordable health and family care. Best of all, we'll have you active within 10 to 14 days from the time you complete your application and submit your request via mail or online.
• Thank you for taking the time to read our "Too Good To Be True" explanation. By knowing the facts, you're now better able to make an informed decision. Indecision can become very costly when you can least afford it! Take advantage of our program and gain peace of mind for only pennies a day, starting right now! If you still have questions, please give us a call at (800) 613-4841.