BENEFIT INFORMATION

[Pages:14]BENEFIT INFORMATION

Amplified Limited Medical

Included in this plan:

Welcome to Amplified Limited Medical!

We hope you will find this plan to be the perfect solution to offset the rising cost of health care. At A1 Healthcare, we understand how important it is to have benefits that provide peace of mind for you and your family, as well as help pay for unexpected out-of-pocket healthcare expenses. Please review this information and contact our Customer Service Department at 1-800-269-3563 with any questions.

Association Memberships ? Wellness Association of America

Non-Insured Benefits

? Karis360 ? MeMD Telemedicine ? A1Rx

Insured Benefits

? Amplified Limited Medical

Underwritten by American Financial Security Life Insurance Co.

PPO Network

? MultiPlan Limited Benefit Plan

Please read through the following product information to learn about your benefits and how to access them.

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Association Benefits

About the Association

The Wellness Association of America membership is designed to address your everyday health and wellness needs. This program was created to assist members in making the necessary lifestyle changes critical to long term health through free ongoing services in addition to member's only savings on wellness benefits.

Association Benefits

Improve the quality of your life with our programs and lifestyle benefits supported by our trained wellness doctors who promote good health and wellness for your lifetime. Your Wellness Membership includes programs & services that address your everyday health and wellness needs including a comprehensive Wellness Assessment to start your journey today!

Free Wellness Assessment

Jump start to a healthy lifestyle journey with our in-depth online Wellness assessment reviewed by our Naturopathic Doctor

Free One-on-One Consultation

An experienced Wellness Doctor will be able to provide a recommended treatment plan to improve the quality of your life naturally

Weight Loss Program

Our Naturopathic Doctor will create a customized weight-loss program per each individual's goals

Lifetime Weight Management

Our Naturopathic Doctor will create a plan to help you maintain your goal weight with your everyday lifestyle

Natural Allergy Management

Manage your seasonal or yearlong allergies with natural supplements recommended by our Naturopathic Doctor

Vitamins & Supplements

Receive 15% savings and access to high quality Vitamins & Supplements that are only available through our wellness doctor so you can have a healthy lifestyle

Wellness Resources & Articles

Receive weekly articles which provides advice on how to overcome common health problems such as type 2 diabetes, obesity, thyroid issues, and other metabolic issues

Health & Wellness Card

Our health & wellness card gives you and your family access to savings on a wide range of health care products and services

Prescription Advocacy

Will help you find the lowest RX price available on your prescription. You will save up to 25% or more on savings on your prescription by using our prescription savings card

To use these benefits: Visit , call 404-747-2742, or send an email to info@.

Not available in AK, CA, CT, DC, HI, ID, ME, MD, MA, MN, MT, NV, NH, NJ, NY, NC, OR, RI, SC, SD, UT, VT, VA, WA & WY

Association Benefits

Limitations & Exclusions

Membership Terms and Conditions

1. Lifestyle & Wellness Programs/Insured Dental Benefits Disclosures. The Wellness Association of America (WAOA) offers its members several Wellness programs. These programs offer members enhanced wellness opportunities, advice, and access to Pharmaceutical-grade vitamins and supplements. Your membership also offers you the option to select various types of group health insurance products that are made available to you only as a member of WAOA. These products include (a) short term medical insurance; (b) accidental death and dismemberment insurance; (c) critical illness insurance; (d) PPO dental insurance; (e) HMO dental insurance; and (f) other products that may be made available to you from time to time. All of our insurance products are underwritten by insurance companies that are licensed in your state. Currently, these products are offered by American Fidelity Security Life Insurance Company (AFSLIC) and Delta Dental.

2. Membership Payments to Providers. WAOA does not make payments to the providers of healthcare services, all payments are made directly by the applicable license insurance company or its authorized agent.

3. Membership Fees. Membership fees are due monthly either by the 5th day of each month or by the 20th day of each month (the `Billing Date'). The Billing Date will be determined by your initial Effective Date. Payment will be automatically processed monthly based on the method of payment you selected at the time of enrollment and verified with you for your protection.

4. Membership Activation. Your membership will become active on your initial Effective Date (the `Effective Date'). The Effective Date either is the 1st day of each month or the 15th day and is determined by the date the initial payment is received, including the enrollment fee.

5. Termination and Returned Check Policy. WAOA reserves the right to terminate a membership without notice for non-payment of monthly membership fees. In the event you need assistance with payment terms, please contact your Wellness Concierge at 1- 770-743-9764 and we will gladly assist you. Monthly membership fee payments, made by check by a member to WAOA that are not honored by member's financial institution for reasons including, but not limited to, insufficient funds, will incur a returned check fee of $25.00 imposed by WAOA. This returned check fee and associated monthly membership fee shall be due and payable immediately by member. Failure by member to pay the returned check fee and associated monthly membership fee could result in termination of member's WAOA membership, without notice to member, for non-payment.

6. Cancellation Policy. A formal written notice or of cancellation must be received by WAOA no later than ten (10) days before member's Billing Date and your billing will be terminated for the next month. To cancel your membership program after the Trial Period, either send a formal written notice of cancellation to the address listed at the front of this Membership Fulfillment or send an email to info@ . WAOA must receive the termination notice 10 days prior to your next monthly Billing Date otherwise your next month's membership fee will be automatically processed based on the method of payment you selected at the time of enrollment and verified for your protection. Please note that the enrollment fee is non-refundable. Refunds will be processed within ten (10) days of cancellation. For your protection, WAOA will not process your membership cancellation request without your written authorization and signature on the cancellation document.

7. Questions/Issue Resolution. If you have any questions about your WAOA Membership, please call your Wellness Concierge at 1-770-743-9764.

8. Change in Terms and Conditions. The WAOA membership program may be modified and/or subject to additional terms and conditions. WAOA reserves the right to change or terminate any terms, conditions, services or benefits without limitation. Prior notice of any material change will be provided to you whenever possible, if required by law. The Wellness Features and Benefits and Supplemental Dental Insured benefits availability are subject to state regulation.

Other Terms and Conditions

WAOA is not a licensed insurer, HMO or underwriters of healthcare services. No portion of provider's fees will be reimbursed or paid by WAOA, nor will payments be made directly to a provider. All payments to healthcare providers will be made by the licensed insurance company.

Participating providers may change without notice and programs may vary by state.

This program and contract are not protected by any state Health and Life Guarantee Association.

The member acknowledges that the provider networks may have access to personal information protected by Health Insurance Portability and Accountability Act (HIPAA) and approves the limited use of such information by the networks.

This WAOA membership program is not available in every state.

WAOA does not warrant any professional services and the participating providers and facilities are solely responsible for the professional advice, services, and treatment rendered to members. WAOA and its affiliates expressly disclaim any liability with respect to such matters.

Non-Insured Benefits

Patient Advocacy

Karis360

Coordinating and scheduling appointments with physicians, facilities, and laboratories that work together within your network while being cost-conscious can be very timeconsuming and frustrating. Let the personal advisors at Karis360 do the legwork for you.

Healthcare Navigation

? Physician, Hospital & Specialists Search ? Karis360 will provide you with a list of local, qualified providers and their best available pricing on requested procedures. This allows you to make an informed, time and money-saving decision on their health care.

? Same-Day Prescription Cost Search ? We will search pharmacies to identify the lowest pricing available. ? Health Cost Estimates ? We can provide you with cost estimates for various outpatient procedures in your area so you

can make informed decisions. ? Alternative Medicine ? We can contact and schedule appointments with alternative medicine providers including

acupuncture, chiropractic care, massage therapy and more. ? Laboratory and Imaging Services ? We can find lab and imaging locations, provide price estimates for tests, and

can schedule appointments upon request. ? Elder Care Solutions ? We can assist you in locating living facilities, coordinating Home Health Care, transportation,

prescription delivery, and exploring Disability and VA benefits, supplemental insurance and more. ? Appointment Scheduling ? We can schedule appointments with doctors, specialists, and more all at the convenience

of your schedule. ? Affordable Care Act Answers ? Karis360 staff is trained to provide answers to the questions involved in the Affordable

Care Act.

Medical Bill Negotiation

? Karis360 Advisors will assign members a personal Patient Advocate to work directly with your health care provider to help reduce medical bills.

? Whether through program qualification, settlement discounts, personalized payment plans, etc. our expert advocates can help lower these medical bills to something more manageable.

Surgery Cost Saver

? Each Karis360 member has access to an experienced Advisor who researches up to five surgical facilities for non-emergency procedures in your area providing information regarding cost, quality, availability and physician privileges

? Advisors have found an average $13,000 cost difference between the least expensive and most expensive facilities with no difference in quality ratings.

Chaplaincy

Christian Chaplains are available to listen and provide support and encouragement.

To use this benefit: Call 888-799-4413.

Note: Karis360 is not insurance and does not provide funds to pay for bills. This is a best efforts service. Despite Karis360 diligent efforts on member's behalf, some providers refuse to make accommodations to help resolve outstanding bills.

Karis360 will not be active until after the first of the month, your policy became effective.

Telemedicine

MeMD

Connect with a Medical Provider 24/7 by phone or online. $0 Consultation fee.* Save time and money with MeMD. Receive video or phone consults with a U.S.-based medical provider from the comfort of your home or at work for non-emergency medical needs. Get the care you need when your doctor is not available.

The MeMD medical team includes physicians, nurse practitioners and physician assistants who practice in top-notch healthcare facilities across the U.S. Additionally, all MeMD providers undergo a rigorous credentialing process based upon guidelines set by the National Committee for Quality Assurance (NCQA).

Benefits Include

? $0 consultation fee ? Three (3) per family member per month ? 24/7 access from any location ? home, work, or on vacation ? Real-time consultations - via webcam, app or phone ? High quality medical professionals - U.S.-based, board-certified doctors, nurse practitioners and physician assistants ? Get better quickly ? receive a diagnosis and a personalized treatment plan including prescriptions, when medically

necessary, within 30 minutes or less ? Affordable care ? avoid costly visits to the doctor's office, ER or urgent care

Sample of Medical Conditions that MeMD Can Evaluate:

Abrasions & Bruises Allergies & Hives Skin Infections Bronchitis Cold & Flu

Fever Diarrhea Nausea Vomiting Eye Infections

Conjunctivitis Mild Cuts Minor Headaches Arthritic Pain Respiratory Infections

Sinus Infections Sore Throat Cough & Congestion Urinary Tract Infections Medication Refills (short-term)**

To use this benefit: Visit memd.me/group/a1healthcare

*Up to three (3) $0 consultations per person per month. After initial three (3) $0 consultations per person per month, $38 consultation fee applies for each additional consultation per person.

**When medically necessary, MeMD providers can submit a prescription electronically for purchase and pick-up at your local participating pharmacy; however, MeMD providers cannot prescribe elective medications, narcotic pain relievers, or controlled substances. MeMD's providers are each licensed by the appropriate licensing board for the state in which they are providing services and all have prescriptive authority for each of the states in which they are licensed.

MeMD provides online medical consultations with physicians, nurse practitioners, and physician assistants who can write prescriptions when medically necessary and permitted by state law. MeMD is not an online pharmacy, and medications cannot be purchased or dispensed from MeMD directly. MeMD is not a replacement for your primary care physician or an annual doctor's office visit. MeMD is available 24/7 nationwide, subject to state regulations.

MeMD will not be active until after the first of the month, your policy became effective.

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