Q Is this an insurance plan?
No, this is not an insurance plan. The Achieve Discount Health Plan provides you with discounted prices on a wide range of health care services and products. You will pay for services at the discounted price at the time services are received.
Q Who can buy a discount plan?
Anyone can purchase a discount plan, as this is not insurance. There are no qualifications, residency requirements, or specifications who can purchase a discount plan. No social security numbers are collected, and your information is secure once it has been provided for membership. The company does not collect social security numbers for the discount plan. As a member of the AchieveCard, you have preferred pricing for membership.
Q How does a discount plan work?
First, you can find participating providers by using the "Provider Search" tab on www.achievecard.com or by calling (800) 290-0523. After confirming the provider's continued participation when making an appointment, members just show their membership card at the time of service. Members are responsible for paying all fees directly to the provider.
Q Can I include dependents on my plan?
Yes, one of the wonderful features of the Achieve Savings Plan is that your entire household can receive the discounts, even children living at college! There are no US residency requirements.
Q Can I use my membership when I travel away from home?
Yes, your membership can be used at any participating provider in the United States.
Q What locations or providers can I go to?
You can find participating providers for the discount plan by visiting the "Provider Search" tab on www.achievecard.com or by calling (800) 290-0523 and pressing option 1, then option 1 again.
Q How long will it take me to get into the system after I sign up?
After signing up for the Achieve Health Savings Plan, you will be in the system and ready to use it within 72 hours. You will receive your membership materials and membership cards in about 7-10 days. The dental discounts can be used even without your membership card, but a valid member ID card must be presented to the providers for other services, such as hearing, vision, etc.
Q How do I get additional membership cards?
If you need additional cards for your household, or have lost your card, please call Member Services at (800) 290-0523 and press option 1, then press option 1 again. We will be happy to send additional cards to you.
Q Can I go to a provider that does not participate?
You may go to the provider of your choice; however, you will only receive a discount by going to a participating provider.
Q If my doctor or dentist refers me to a specialist who is not in the network, do I still get a discount?
You will only receive a discount by going to a participating provider. You might try printing out a list of participating providers to share with your doctor or dentist to see if he/she could recommend any of the participating specialist locations.
Q Can I use this plan if I already have insurance?
Yes, as long as your plan isn't a PPO, HMO, or another discount plan. Just go to a participating provider, show your membership card, pay the discounted fees at the time of service and ask for a copy of your bill. Then, file the bill with your insurance company to be reimbursed by them. This reduces your out-of-pocket expenses and stretches your dollar so you reach your maximums more slowly.
You may also use the discount plan for services not included by your insurance plan. For example, many people have medical insurance, but do not have dental and vision included in those plans. Please remember that the discount plans are not insurance and may offer discounts on many services not included in traditional indemnity plans.
Q What if I feel the provider overcharged me?
You can send a copy of your bill and a written letter to the administrator of the plan, Careington International Corporation, Attn: Provider Relations, P.O. Box 2568, Frisco, TX 75034. They will investigate your inquiry, and you will be contacted regarding the findings.
Q What if I have a complaint about a provider?
Please submit all issues in writing, including a copy of your bill. You may fax them to (972) 335-3968, or you may mail them to Careington, Attention: Member Services, 7400 Gaylord Pkwy, Frisco, Texas, 75034. Call Member Services at (800) 290-0523 for assistance.
Q Once I select a provider, am I assigned to that provider? How often can I change providers?
Another great feature of the discount plan is your ability to select any provider from the network. You can change providers at any time, and household members can select their own providers. Call Member Services at (800) 290-0523 for help finding participating providers or visit the "Provider Search" tab on www.achievecard.com
Q What should I say when I call a provider to make sure they participate?
The providers will recognize the name of the network with which they participate, so when you call, it is important to use the name of the correct network. For example, if looking for a participating Vision provider you would mention VSP. Here is a list of all the services, and their network name:
- Dental - Careington
- Vision - VSP Choice Access
- Lasik - QualSight
- Lab Discounts - Direct Labs
- Imaging Discounts - US Imaging
- Hearing - HearPO
- Diabetes Supplies - Global Total Health
Q How do I cancel my membership?
Verbal cancellations are accepted over the phone. If you cancel within the first 30 days after joining, you'll receive a 100% refund less your processing fee, no questions asked. For cancellations after the first 30 days, the monthly billing will be stopped immediately upon your request.
Q Can I use my plan when traveling?
Yes, you can use your plan nationwide in the US, and in UK for dental and optical discounts, when visiting participating providers in network. Members pay the provider according to the applicable fee schedules in the location of the provider's office. When visiting the UK, members receive a 20% discount at the time of service. The Careington discount plan is portable.
Q How often can I use my plan, and will I be penalized for using it too much?
Members can use their plan as often as they want with no penalties for using it too many times. There are no limits on using your plan as long as you visit participating providers for any services included in your plan. There are no restrictions for already having any medical conditions if you wish to use your plan.
Q How do I change my address if I move, or my payment information? What about any changes in anyone at my address?
To make any changes to your account, such as updating your address, or adding a family member, simply call 1-800-486-0273.
Q Are there any forms to file?
Since Achieve Discount Health Plan is not a traditional indemnity insurance company, there are no forms to file. The member pays out-of-pocket at a discounted rate. Providers do not file forms on a discount plan.
Q How do I pay for this plan?
The Achieve Discount Health Plan is paid automatically every month using your AchieveCard. Once you have signed up, your card will automatically be charged for the monthly fee at the beginning of each month.
Q What are your customer services hours?
For questions regarding billing or signing up for the plan, you can call the AchieveCard call center Monday - Friday 8am-8pm cst and Saturday from 9am-6pm cst. Questions regarding specific providers and discounts are answered by a specialist Monday through Friday from 7am to 7pm Central Time.
Q How much will I save using my discount plan?
Members receive discounts with participating providers and services in their plan, based on the products in their plan. Here is an example of what you can save:
- Dental Care, 20% to 50% discounts
- Vision, 15% to 35% discounts
- Prescriptions, 15% to 60% with a 25% average discounts
- Hearing Aids, 30% average discounts
- Diabetes Management Supplies, 52% to 72% discounts
- Imaging, 10% to 60% discounts
- Labs, 10% to 80%
- Imaging, 10% to 60% discounts
- Labs, 10% to 80%