Large employers and unions get discounted rates because they buy in volume. A membership does the same thing for one household — you show a card at the pharmacy, the dentist or the lab, and pay the negotiated rate instead of the retail one.
About five minutes. No contract, and nothing to fill in.
Four plans. One card.
Your card arrives within ten business days and works from the day it does.
Each plan is the one below it plus more categories — nothing is taken away as you move up, so there is no trap in choosing the smaller one.
Everything the program covers, including the four that appear on no other plan.
Platinum only — Dental · Doctors Online · Health Advocate · Pet Care
The broad middle. Pharmacy, vision, lab and imaging savings, plus the wellness categories.
Adds four categories over Silver
The everyday set — the things a household actually uses in a normal year.
First plan to include vitamins & supplements
The essentials only. Worth it if prescriptions are the reason you are here.
Pharmacy is included on every plan, this one included
Six-month and annual terms are also available. The annual is where the real saving is — the six-month sits close to paying monthly.
What you save depends on the item, the provider and where you live. Anyone quoting you a single percentage is quoting you their best case. These are the real spans.
| Category | Discount range | Where it sits |
|---|---|---|
| Prescriptions | 10–85% | |
| Lab testing | 10–80% | |
| Vitamins & supplements | up to 75% | |
| MRI & CT imaging | 40–75% | |
| Vision | 10–60% | |
| Chiropractic | 30–50% | |
| Dental | 15–50% | |
| Diabetic supplies | 10–50% | |
| Durable medical equipment | 20–50% | |
| Physician & hospital | 10–40% | |
| Alternative medicine | 10–30% |
The networks behind those numbers: 60,000 pharmacies · 262,000 dental providers · 20,000 vision · 1,500 labs · 3,000 chiropractic · 35,000 alternative practitioners across 35 specialties.
A membership that gets you negotiated rates at providers who have agreed to them. You pay the discounted price at the counter, on the day.
It works whether or not you are insured, and it often covers the things a plan leaves out — or the things you pay for before a deductible is met.
It is not insurance, and it does not pay a provider on your behalf. There is no claim to file and no reimbursement to wait for.
If you have insurance, keep it. This is for the gap between what a plan pays and what you are actually charged.
The full disclosure, including who administers the program, is on the Customer Disclosure page.
Every one of these is a real limit. You should know them before you join, not after.
Tell us what you actually spend on — the prescriptions, the dentist, the glasses, whatever it is — and which state you are in. If the numbers don’t work for your situation, you will hear that instead of a pitch.
Any hour. Nothing to fill in.
