Reference-Based Pricing is not a discount program, it’s a process by which you receive Medicare approved rates. You are now on a level playing field with large insurance companies.

ALL CLAIMS are calculated from a formula of 600-800% above Medicare approved amounts.

If you are not happy paying the full amount or do not have traditional insurance, you need MCS Medical Cost Sharing Premier (AKA The Wise Health Card).

The following examples are real savings from real people using RBP.

Example 1 – (Jim, MO) – A billed amount of $1,702 was recently settled for $621.

Example 2 – (Celeste, GA) – A billed amount of $42,177 was settled for $9,984.

Example 3 – (Jared, OR) – A billed amount of $16,822 was settled for $4,327.

WHAT THIS MEANS TO YOU

The savings are obvious! You save two ways – Monthly, and when a provider performs a service!

Insurance companies never pay a billed amount. The amount paid is always based off of Medicare approved charges.

Did you know that the national average health care cost for inpatient hospital stay is $10,700? Did you know the average deductible for traditional insurance is $7,000-$10,000?

Let’s do some math - $800 monthly premium (12 months) = $9,600 (please input your own numbers)
$9,600 + $7,000 = $16,600
MCS MEDICAL COST SHARING PREMIER - $65 monthly for 12 months = $780

That’s a saving of $15,820 annually! (Based off of your numbers, it could be more or less.)

It’s time for you to take charge of your health care cost; start saving today!

Our TeleMedicine program gives you 24/7 access to Board Certified Physicians within the United States. This can be done by means of a mobile app, the web, or using a telephone. All MCS members have unlimited access to this service. No copay is needed. Please note, however, that pain medications classified as ‘controlled substances’ are not available by means of a phone consultation.

How to Contact a Physician:

• Request a Doctor Consultation by means of a phone call, mobile app, or the web by means of the members sign in. MeMD: (844) 800-7110
• The consultation takes place.
• Where necessary, a medical prescription is sent to your pharmacy of choice.

The process is simple and convenient.

Common health problems addressed by our TeleMedicine professionals thus far include:

• Colds and flu
• Conjunctivitis (pink eye)
• Headaches (various types)
• Back Pain
• Abdominal pain
• Acne
• Allergic rhinitis
• Allergies
• Asthma
• Backache
• Bronchitis
• Candidiasis
• Constipation
• Gastroenteritis
• Cough
• Diarrhea
• Dizziness
• Esophageal reflux
• Essential hypertension
• Fever
• Infective otitis externa (ear infection)
• Laryngitis
• Nasopharyngitis
• Cellulitis and abscess
• Pharyngitis
• Rashes and other skin eruptions
• Sinusitis
• Sprains and strains
• Sore throat
• Tonsillitis
• Upper respiratory infections
• Urinary tract infections
• Vulvovaginitis and Vaginitis

Finding the right answers at the right time is at the heart of what we do. HealthAdvocate’s NurseLine offers unlimited access to highly trained Registered Nurses for help and information, 24/7. Members will make smarter decisions, reduce unnecessary trips to the ER or doctor, and get the healthcare help they really need – saving time, money and worry.

Solution Features:

• Call Nurse Line (866) 799-2728
• Healthcare information at any time 24/7, 365 days a year
• Information about simple home care measures for non-urgent conditions
• Evaluation and direction to appropriate care (911, ER or urgent care for life-threatening conditions)
• Answers about symptoms and medication usage
• Unlimited access to a Personal HealthAdvocate to address clinical and healthcare-related issues

Cleveland Clinic’s MyConsult Online Medical Second Opinion Program gives members access to the nation’s leading specialists for expert second opinions without the time or expense of travel. Second opinions are available for over 1,200 medical and surgical conditions in nearly every specialty.

How It Works:

• Call Cleveland Clinic via HealthAdvocate at (866) 799-2728
• Our experienced clinical team will discuss the MyConsult program with members as a care option.
• Our staff will guide members through the online registration and request process. This includes the collection of medical records, imaging studies, laboratory reports and pathology specimens.
• Each case is assigned to a Cleveland Clinic expert specialist, who will provide the employee (and their physicians/designated family members) with a comprehensive second opinion report within 10 -14 business days.

You pay only for consults that are completed and there are no additional charges for HealthAdvocate’s assistance.

Our pricing transparency solution helps members become more effective healthcare consumers. Using medical claims data from all major health plans, combined with engagement, machine learning, quality, cost and clinical data, Health Cost Estimator+ helps members shop around for care.

Solution Features:

• Unlimited access anytime, anywhere on desktop and mobile applications
• Advanced search engine provides real-time estimates for medical services by ZIP Code
• Detailed breakdown of physician/facility costs
• Estimated out-of-pocket costs based on the members benefits and utilization
• Hospital safety scores and consumer ratings
• Live support from experienced Personal Health Advocates
• Comprehensive reporting package

Anytime a member has a medical bill over $400 not covered by their membership, our skilled negotiation team will work with all providers to get a discount. Successful negotiations can save hundreds, and sometimes thousands, of dollars. They will learn from our experts how to use their benefits wisely in the future. Members will get immediate relief and your benefits will be more effective.

Solution Features:

• Negotiations for uncovered medical or dental bills with a balance of $400 or more
• Use of critical pricing trend information
• Easy-to-read Savings Result Statement that summarizes negotiation outcome
• Provider sign-off on payment terms and conditions

Whether members are struggling with credit card or student loan debt or saving for college, retirement, home-buying or other financial issues, HealthAdvocate offers personalized support and tools to help them manage their money, reduce debt, and save for the future—all to lower stress, increase productivity and reduce costs.

Solution Features:

• Consultations with financial and legal specialists. Financial specialists can discuss debt management, life insurance needs, college funding and more. Legal specialists can address bankruptcy, estate planning and real estate, family, criminal, motor vehicle and elder law issues.
• Convenient access to HealthAdvocate’s website for articles, tools and information, including education about financial safety net options such as contributing to 401ks, HSAs, and determining the need or correct level for short- or long-term insurance.
• Online calculators for personal finance, loans, credit payoff, mortgages, taxes, autos, investments and retirement.
• Free webinars on estate planning, managing life transitions, paying for college and more.
• Comprehensive online library of articles on budgeting, bankruptcy, identity theft, investing, estate planning and more.
• Downloadable financial forms and worksheets for taxes, wills, and budgeting.
• Help locating resources including financial planners and counseling services.
• Financial Fitness Center with more than 200 online multigenerational tutorials on savings and investing, planning health and life insurance benefits, student loan repayment and more.
• Savings Center – a member discount program to help them save on everyday products, services and events from clothing and auto insurance to car rentals.
• Access to the HealthAdvocate blog for timely articles relating to financial wellness.

For just $25 more for an individual and $50 more for a family, you get all the Diamond and Diamond 5 plans benefits and:

• Discounted Physician Office Visits including Lab and X-Ray ran through our PPO networks.

You and your family deserve access to the best prescription medications at the best prices. WellCard Health's empowering health and wellness program gives its members access to today's top medications at prices WellCard Health pre-negotiates for up to 50% in savings. Join now and reduce the cost of health care for you and your family today. We call it WellCard Health. You'll call it empowering.

It's easy to start saving:

• One WellCard Health membership grants automatic pharmacy discounts to all family members living at the same address.
• Over 59,000 nationwide pharmacies accept WellCard Health, with the availability for convenient and reliable mail order and specialty pharmacy services, too.

This is NOT insurance. Special membership pricing available only at participating pharmacies.

By using the WellCard, you agree to pay the entire prescription cost less any applicable discount. Savings may vary by drug and by pharmacy. Savings are based on actual drug purchases using the WellCard. The program administrator may obtain fees or rebates from manufacturers and/or pharmacies based on your prescription drug purchases. These fees or rebates may be retained by the program administrator or shared with you and/or your pharmacy. Prescription claims through this program will not be eligible for reimbursement through Medicaid, Medicare, or any other government program.

* Enrollment in the MCS Medical Cost Sharing program is not required to enroll in the WellCard program. The WellCard program is a free program and is available without the purchase of the MCS Medical Cost Sharing program. All prices reflected on this website are for the MCS Medical Cost Sharing program only and do not include the WellCard 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 and address of the discount medical plan organization is AccessOne Consumer Health, Inc. 84 Villa Rd, Greenville, SC 29615 800-896-1962.

* This plan is not available in the following states AK, MT, and VT.

WellCard Health's vision care gives members access to savings at more than 10,500 optical centers nationwide, making it easy to reduce health care costs for the entire family. Whether insured or uninsured, our members enjoy average discounts of up to 50% off the regular retail price for eyeglasses, contact lenses, sunglasses, and corrective surgery (Lasik, RPK, etc.). Our vision network includes major chains and independent eye care centers. Members also get access to a convenient and reliable mail-order contact lens program, for substantial savings off retail prices.

• Our nationwide vision care discount network includes private practice providers as well as optical retailers such as Sears Optical, JCPenney Optical, Target Optical, LensCrafters, Vision Works, For Eyes Optical, Walmart Vision, and most Pearle Vision locations.
• Members save on average up to 50% off on frames, prescription lenses, and sunglasses.
• Includes access to a mail order contact lenses replacement program and savings on corrective surgery.
• Unlimited discounts; purchase as often as you like, choosing from the most popular frames, tints and lenses.
• Immediate savings at point of purchase, without any extra paperwork.
• 100% guaranteed satisfaction for 30 days.
• Membership includes vision health care savings for the entire family.

Discounts do not apply to eye exams in California and Washington

Notice to Members – Your plan may not access all of the services listed on this page.

* Enrollment in the MCS Medical Cost Sharing program is not required to enroll in the WellCard program. The WellCard program is a free program and is available without the purchase of the MCS Medical Cost Sharing program. All prices reflected on this website are for the MCS Medical Cost Sharing program only and do not include the WellCard 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 and address of the discount medical plan organization is AccessOne Consumer Health, Inc. 84 Villa Rd, Greenville, SC 29615 800-896-1962.

* This plan is not available in the following states AK, MT, and VT.

WellCard Health members have access to health options that include quality hearing care at pre-negotiated discounts across the country. Our empowering health and wellness program gives our members and their families the supplemental health coverage they deserve, making quality hearing care accessible and affordable.

Start saving today!

• 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

We call it WellCard Health. Our members call it empowering.

Notice to Members – Your plan may not access all of the services listed on this page.

* Enrollment in the MCS Medical Cost Sharing program is not required to enroll in the WellCard program. The WellCard program is a free program and is available without the purchase of the MCS Medical Cost Sharing program. All prices reflected on this website are for the MCS Medical Cost Sharing program only and do not include the WellCard 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 and address of the discount medical plan organization is AccessOne Consumer Health, Inc. 84 Villa Rd, Greenville, SC 29615 800-896-1962.

* This plan is not available in the following states AK, MT, and VT.

WellCard Health's wellness program is dedicated to helping members save money on supplemental health care, including diabetes care. We call it WellCard Health. Our members call it empowering.

Our free supplemental health care membership gives immediate access to 15% savings on a full line of name brand and generic diabetes testing supplies delivered directly to members' homes.

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 day UPS Ground Residential Home Delivery - No More Pharmacy Trips
• High Quality ADVOCATE Products Strengthens The Well Card Health Brand Name

Notice to Members – Your plan may not access all of the services listed on this page.

* Enrollment in the MCS Medical Cost Sharing program is not required to enroll in the WellCard program. The WellCard program is a free program and is available without the purchase of the MCS Medical Cost Sharing program. All prices reflected on this website are for the MCS Medical Cost Sharing program only and do not include the WellCard 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 and address of the discount medical plan organization is AccessOne Consumer Health, Inc. 84 Villa Rd, Greenville, SC 29615 800-896-1962.

* This plan is not available in the following states AK, MT, and VT.

WellCard Health members receive great discounts on many products that you are already buying regularly! You can get all of your vitamin and mineral supplements at discounts or even choose to select cash back earnings on your purchases.

Members get health care alternative products they need delivered right to their doorsteps at low prices that reduce health care costs. It's just another way WellCard Health empowers its members to reduce the cost of health care and keep their families healthy.

Notice to Members – Your plan may not access all of the services listed on this page.

* Enrollment in the MCS Medical Cost Sharing program is not required to enroll in the WellCard program. The WellCard program is a free program and is available without the purchase of the MCS Medical Cost Sharing program. All prices reflected on this website are for the MCS Medical Cost Sharing program only and do not include the WellCard 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 and address of the discount medical plan organization is AccessOne Consumer Health, Inc. 84 Villa Rd, Greenville, SC 29615 800-896-1962.

* This plan is not available in the following states AK, MT, and VT.

Teeth health is an important part of your family's overall wellbeing. With WellCard Health, members get access to quality dental care at pre-negotiated savings of 20% to 40% off of nearly all general dentists' and specialists' standard fees. Our members get access to these savings at over 80,000 credentialed dentists nationwide for a wide range of dental care:

• Preventive and diagnostic: oral exams, cleanings, X-rays
• Restorative: fillings, inlays, and crowns
• Endodontic, Periodontics, and Prosthodontics
• Oral surgery
• Orthodontics

The dental discount plan is not insurance, which keeps it simple and convenient for our members to enjoy. Start saving today!

• No administrative forms or hassles.
• No red tape. Members get immediate access to WellCard Health's reduced dental health care costs as soon as they join.
• No limits on the number of times a member can see a dental care provider.
• No waiting. WellCard members can start using our supplemental health coverage as soon as they receive their ID card.
• No age restrictions.

* Fees are for visits to a general dentist and prices may vary by region, provider, and specialty. Retail Cost is based on a survey of dental offices and other published fees. Members should confirm fees and provider participation prior to visiting the dentist.

Samples are not a guarantee of savings. Payment required at the time of service.

Notice to Members – Your plan may not access all of the services listed on this page.

* Enrollment in the MCS Medical Cost Sharing program is not required to enroll in the WellCard program. The WellCard program is a free program and is available without the purchase of the MCS Medical Cost Sharing program. All prices reflected on this website are for the MCS Medical Cost Sharing program only and do not include the WellCard 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 and address of the discount medical plan organization is AccessOne Consumer Health, Inc. 84 Villa Rd, Greenville, SC 29615 800-896-1962.

* This plan is not available in the following states AK, MT, and VT.

One of the most powerful tools in the diagnosis and treatment of injury or disease is MRI and CT imaging; however, this type of testing can be costly. Your card can help offset some of the expense, by allowing you to access our nationwide imaging network of over 2,900 fully-credentialed and accredited imaging providers. These imaging facilities provide high-quality, low-cost imaging procedures and can reduce cardholders’ out of pocket expenses for diagnostic testing by as much as 50%! Accessing this benefit ensures high-quality diagnostic testing at affordable rates.

Cardholders never pay an access fee –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.

Benefits of Using Your Card for Imaging Services:

• Our coverage area serves all of the major population centers in the US 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
• A 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

Notice to Members – Your plan may not access all of the services listed on this page.

* Enrollment in the MCS Medical Cost Sharing program is not required to enroll in the WellCard program. The WellCard program is a free program and is available without the purchase of the MCS Medical Cost Sharing program. All prices reflected on this website are for the MCS Medical Cost Sharing program only and do not include the WellCard 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 and address of the discount medical plan organization is AccessOne Consumer Health, Inc. 84 Villa Rd, Greenville, SC 29615 800-896-1962.

* This plan is not available in the following states AK, MT, and VT.

Empower you and your family with access to lab test results and information once only available to doctors. WellCard Health's lab savings gives members access to an efficient, affordable, and confidential solution for quality medical lab testing at up to 50% off regular pricing.

Join WellCard Health now and reduce your health care costs today!

• Dramatically reduce the cost of health care for you and your family by ordering the same lab tests ordered by your doctor at up to 50% less.
• Purchase lab testing by phone 24 hours a day. For an additional 10% discount, order online.

Notice to Members – Your plan may not access all of the services listed on this page.

* Enrollment in the MCS Medical Cost Sharing program is not required to enroll in the WellCard program. The WellCard program is a free program and is available without the purchase of the MCS Medical Cost Sharing program. All prices reflected on this website are for the MCS Medical Cost Sharing program only and do not include the WellCard 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 and address of the discount medical plan organization is AccessOne Consumer Health, Inc. 84 Villa Rd, Greenville, SC 29615 800-896-1962.

* This plan is not available in the following states AK, MT, and VT.

A pre-existing condition refers to any condition you had prior to requesting Medical Cost Sharing Membership.

The average savings by running claims through our Reference-Based Pricing system is 75%. At MCS, we run claims on pre-existing conditions for any amount from dollar one. Even if it is for multiple issues or for multiple occurrences. Whatever the discounted amount turns out to be, it will be the members responsibility.