HD Benefits

If you were to die without a Will or an up-to-date one, would your loved ones know your wishes? If you fell ill unexpectedly, is there someone who can make medical decisions for you? Are your legal and financial documents all in one place?

Now you have help. As a member covered by group term or voluntary term life insurance from Principal Life Insurance Company, you have free access to resources from the Will & Legal Document Center provided by ARAG® Services, LLC.

Without a Will, dividing up assets or designating a custodian for minor children can fall to the mercy of your state’s laws.

With ARAG’s free online resources, you or your spouse can draft a:

• Will – Specifies what happens to your property when you die and who executes your estate. Also lets you name a custodian for your minor children, saving you approximately $558.¹
• Living Will – Informs health care providers and your family about your desires for medical treatment if you are unable to speak for yourself.
• Healthcare Power of Attorney – Grants someone permission to make medical decisions if you can’t make them yourself.
• Durable Power of Attorney – Grants someone permission to make financial decisions if you can’t make them yourself.
• Medical Treatment Authorization for Minors – Grants parental consent to treat a child in the event a parent isn’t present.

You also have access to:

• Personal Information Organizer – Creates a one-step directory of personal and financial information as well as funeral arrangements.
• Estate planning education and tools – View a variety of articles and links to legal information.

Pre-trip and Cultural Information Services

• Visa and passport requirements
• Travel advisories and customs information
• Immunization/inoculation requirements and insect precautions
• Cultural information
• Consular/embassy locations and referrals
• Currency exchange rates
• Local voltage information

Personal Assistance Services

• Lost/stolen documents (passports, driver’s license, credit cards, etc.)
• Lost luggage
• Emergency telephone interpretation
• Urgent message relay
• Emergency cash and bail assistance
• Legal referrals
• Political evacuationn

Medical Assistance Services

• Medical/dental referrals
• Hospital admission guarantee and discharge planning
• Medical pre-certification and referral management
• Lost prescription and eyeglass/contact assistance
• Medical monitoring
• Replacement of medical devices
• Shipment of medication
• Pet housing and return

• Emergency medical transportation to a different facility if medically necessary
• Medically supervised repatriation
• Return of dependent child(ren)
• Transportation of a family member to join patient
• Transportation for traveling companion following an evacuation or repatriation
• Return of mortal remains

AXA Assistance will pay up to $200,000 per person per trip to provide emergency medical transportation or return of mortal remains, including equipment and personnel. The participant is responsible for any medical expenses incurred.
There are no registration or enrollment forms to fill out. Travel assistance is available 24 hours a day, 365 days a year by calling AXA Assistance’s highly trained staff who will ensure that your call is handled promptly.
Treatment must be authorized and arranged by AXA Assistance USA, Inc. designated personnel to be eligible for services under this program. No claims for reimbursement will be accepted. Limitations may apply.

Karis360 members never face the healthcare world alone. Each member has access to an expert Advisor to help address healthcare needs and concerns.

• Looking for a Physician or Hospital?  Karis360 Advisors will find quality physicians, specialists and surgeons in the member’s area who focus on the member’s unique healthcare needs.
• Need Alternative Treatments?  Advisors help find alternative care in areas like Chiropractic, Acupuncture, Homeopathic and Naturopathic.
• Health Cost Estimates  Cost estimates for various outpatient procedures are provided so members know what to expect.
• Medical Records Transfer  Karis360 Advisors organize the seamless transfer of member medical records between providers.
• Insurance Policy Assistance  Advisors can help clarify health insurance benefits as well as help resolve issues and expedite solutions.
• Elder Care Solutions  Members get help with finding assisted living facilities, coordinating home health, Medicare questions, VA benefits, supplemental insurance and more.
• Appointment Scheduling  Advisors are happy to schedule primary care and specialist visits, labs, imaging, flu shots and more.

With two-thirds of all bankruptcies in America including a medical bill debt component, the Bill Negotiator becomes important as we assist members in avoiding financial hardship and possible bankruptcy.

• Medical Bill Negotiation  Karis360 Advisors will assign a dedicated Patient Advocate to work directly with a member’s healthcare provider (doctor’s offices, hospitals, etc.) to help reduce their medical bills. Members provide a written estimate stating the bill will likely total over $2,000 and Advisors will pre-negotiate the potential medical bills easing stress and saving money.
• Pre-Negotiation  Advisors can negotiate potential medical costs before a procedure. When members provide a written estimate showing the bill will likely total over $2,000, Advisors will pre-negotiate the potential medical bills easing stress and saving money.
• Results  Karis360 has unparalleled results negotiating discounts. Members can see an average of 40-70% savings after insurance has been applied.

Each Karis360 member has access to an experienced Advisor who researches up to five surgical facilities for non-emergency procedures in the member’s area with information regarding cost, quality, availability and physician privileges.

• Results  With Surgery Saver, members see an average savings of $13,000. Advisors have found a 66% difference between the highest and lowest quoted surgery costs between facilities.

• Average savings of 60%, with potential savings of up to 80% or more (based on 2018 national program savings data)
• Accepted at over 65,000 participating pharmacies nationwide, including major chains and independent pharmacies
• Can be used for all prescription drugs, both brand-name drugs and generics
• Members will always receive the lowest price available on prescription medications

• THOSE WITH LIMITED INSURANCE OR NO PRESCRIPTION COVERAGE can reduce out of pocket costs
• THOSE WITH HEALTH INSURANCE, MEDICARE, OR HIGH DEDUCTIBLE HEALTH PLANS can reduce the cost of medications that are not covered by insurance, or can possibly find a lower price than their insurance copay
• THOSE WITH PETS can reduce their out-of-pocket costs on human-equivalent pet medications

Locate participating pharmacies and look up drug pricing at www.hdarx.com.

CVS Caremark is a pharmacy management company that has contracted discounts at over 67,000 pharmacies nationwide. Members can save an average of 20% on the usual and customary pharmacy retail prices on generic to brand drugs, with the highest percentage savings on generic drugs. It should be noted that savings will vary depending on the specific prescription drug purchased and where it is purchased.

Your HD Protection Plus membership includes an insured prescription benefit as outlined below.