BAC

Teladoc is a national network of U.S. board-certified physicians who use electronic health records, telephone consultations and online video consultations to diagnose routine medical problems. Physicians are available 24 hours a day, 365 days a year, allowing members of any age to access quality care from home or the office. Members make a phone call and in most cases speak to a physician in about 30 minutes (3 hours guaranteed). 91% of issues are resolved with 97% member satisfaction. This plan includes a zero consult fee and unlimited usage.

• Cold and flu symptoms
• Respiratory infections and bronchitis
• Pink eye and sinus problems
• Allergies and poison ivy
• Urinary tract and ear infections, and more

Save 10%–85% on most acute-care medications such as antibiotics and pain relievers. Over 60,000 participating locations including Walmart, CVS, and Walgreens. A convenient online pricing utility lets you look up discounted pricing and compare pharmacies. The mail-order prescription plan delivers maintenance medications directly to you with no shipping or dispensing fees. Ask about the $5 Savings Guarantee.

• Living Free — help with quitting smoking
• Living Fit — adding fitness to your routine with a walking program
• Living Easy — learning to deal with stress
• 40+ health assessments, personal health profiles, and a wellness library
• Certified wellness coaches available via live chat, 8:00 am to 8:00 pm EST

Personal Health Advocates, typically registered nurses supported by medical directors and administrative experts, help members get the most value from their healthcare benefits across clinical, insurance, and administrative issues. Advocates work with providers to lower the balance of any uncovered medical or dental bill over $400, resulting in 25%–50% savings for members. You also get 24/7 access to registered nurses for information on virtually any health or medically related topic.