HD ClearPoint

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About ClearPoint AFM

When it comes to our health, life can throw a lot of curve balls. So, when an illness arises, worrisome symptoms may appear or the unexpected happens, HD ClearPoint can help. The insurance benefits that come with this membership may help offset the expenses incurred with a covered sickness, condition or accident. And, with included physician office visits, HD ClearPoint provides additional tools to help members manage the out-of-pocket costs that can quickly add up with an illness or injury.

Fidelity Security Life Insurance Company® (FSL) provides this Group Fixed Indemnity Limited Benefit Medical insurance, which is not a replacement for comprehensive major medical coverage, and it does not comply with the requirements of the Affordable Care Act (ACA).

With ClearPoint, members will also gain access to health and wellness resources, along with valuable discounts and tools designed to complement their insured benefits and maximize their savings.

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Association Benefits

Consumer Discounts

My Association Savings

My Association Savings Benefits from Abenity provides members with exclusive perks and over $4,500 in savings on everything from pizza and the zoo, to movie tickets, oil changes, hotels, and car rentals! And, with over 102,000 available discounts across 10,000 cities in the United States and Canada, you’ll never be far from savings!

Popular Features Include:

• Nearby Offers: Use our show & save mobile coupons to quickly access savings on the go.
• eTickets On Demand: Save up to 40% with no hidden fees.
• Show times: Find movies, watch trailers, and save up to 40% at a theater near you.
• Monthly Giveaways: Win cash, movie tickets, electronics and more with our monthly contests.
Car Rental Discounts

Take advantage of affordable auto rental rates from Avis®, Budget® and Dollar® Rent A Car.
Moving Discounts

Cord Moving and Storage Co., an agent for North American Van Lines, offers members valuable discounts on moving and relocation services while providing the highest level of service and customer satisfaction.
GlobalFit Gym Network

Members receive discounted gym memberships at more than 9,000 gyms nationwide including, L.A. Fitness, Anytime Fitness, Gold’s Gym, 24 Hour Fitness, and local favorites. Members can also take advantage of exclusive member savings on wearable technology, diet resources like Jenny Craig and Nutrisystem, meal plans and diet delivery options, and vitamins and supplements.
Gym America

Online access for personalized meal plans tailored to your needs, interactive tools for keeping you on track with fitness and nutrition goals, smart weekly shopping lists and much more for a special price.
Massage Envy

A spa day isn’t just a way to pamper yourself—a massage can also offer health benefits to many people. Whether you suffer from chronic pain such as headaches and back issues or have a highstress life, a massage may help. Members receive up to 20% off many of the plans and services at Massage Envy.
True Car Auto Buying Service

Save time and money shopping for a new or used car through True Car. Members receive exclusive pricing, price protection and a hassle-free buying experience at thousands of Certified Dealers.
CLC ID Theft & Fraud Resolution

Members and family receive identity theft and fraud resolution services through CLC, Inc. The CLC identity theft resolution program was developed to help guide victims of identity theft and other fraudulent crimes through the complex process of restoring their personal identity, credit rating, financial security, and legal integrity. This benefit includes ID Monitoring, Fraud Restoration, Document Preparation, Lost/Stolen Purse or Wallet Services, Financial Coaching, and Legal Consultation.
CLC Legal Access

Through the CLC Legal Access program, our members have access to free initial legal consultations and discounted services to address many common legal concerns. Members also receive simple will preparation and access to online legal resources at no additional cost.
Financial Counseling

Through My Secure Advantage (MSA), HD members and eligible family members have all the resources needed to feel confident about financial goals in any stage of life – be it growing a family, buying a house, caring for aging parents, or planning retirement.

Health Care Discounts

IDLife Nutritional Products

IDLife products are scientifically formulated to help you by providing therapeutic doses of specific nutrients to:

  • Restore nutrients depleted by your Rx program
  • Help your body resist Rx side effects
  • Improve your overall nutrition status thus optimizing your health

Additionally, they have been pre-screened to avoid drug/nutrient interactions that may be present with your current vitamin program.
ScriptSave Rx Savings Card

The ScriptSave Prescription Savings Card provides you access to discounted prescription drug prices. All household members can use the same card – including pets, if the pet medication is a common drug that is also used by people. There are no limits on how many times members and their family can use the card.
Laboratory Testing

MyMedLab offers an efficient, affordable and confidential solution to medical laboratory testing. You can purchase the same testing ordered by your doctor at a cost 50% to 80% less than in your doctor’s office or local hospital lab.

Testing can be purchased 24 hours a day on the MyMedLab website. Tests are listed both individually and in groups called Wellness Profiles based on your age, sex and family history. This basic information is all you need to identify which profile evaluates your risk for common conditions associated with your specific group.
Diagnostic Testing

MDsave gives you a better way to buy your medical services, like radiology testing. You get one upfront, easy-to-understand price, which includes the most common fees that go along with your procedure. That means no surprise bills later!  Doctors and hospitals partner with MDsave to help you afford your out-of-pocket costs. When you prepay through MDsave, your medical provider is able to offer special pricing on the same quality care because it makes the billing process more efficient.
Hearing Products and Screenings

Members and their immediate family members (grandparents, parents, spouse and children) will receive complimentary hearing screenings and a 15% retail discount off the usual and customary retail price of any Beltone hearing instrument at any of over 1500 locations throughout the United States.
Telehealth

Talk to a doctor by phone, web or mobile app anytime, anywhere.

Healthcare should be simple, fast and uncomplicated. MDLIVE makes it easy to visit a doctor in minutes through their mobile app, online and by phone. Members have 24/7 access to quality healthcare without ever leaving their home, job or wherever they are. MDLIVE provides members with this optional healthcare solution for those times when it may not be convenient or even possible to schedule an appointment with their doctor’s office.

With unlimited consultations, members can be on their way to feeling better fast with MDLIVE.

Business Solutions

Business AdvantEdge

The Business AdvantEdge Program provides you with access to discounted business services. You can save money on a variety of services through many more vendors on the Business AdvantEdge website. New Vendors and services are always being added, so be sure to visit the website frequently to access all of the services available to help you save time and money so you can focus on the success of your small business.
ADP Payroll Processing

Members can access a 25% discount on processing costs and a free month of payroll processing. In addition, the one-time setup fee will be waived.
Computer and Technology Products

Hewlett-Packard offers members affordable pricing on business and home office products. Members receive discounts on HP notebooks, laptops, desktops, servers, printers, digital cameras, handhelds, point-of-sale (scanners, cash registers, etc.) and more.
NAC Web Services

Members can access discounts on website development and maintenance as well as web hosting. Their experienced staff of programmers and graphic designers offer creative and intuitive websites custom-built to your specifications.
Office Depot Office Supplies

Members save 15% off hundreds of office supplies and 60% off printing online, by phone/fax, or in stores. Members also receive additional monthly special offers and incentives, as well as free next day delivery on qualifying orders of $50 or more (reduced shipping costs for lesser orders).
Penny Wise Office Supplies

Members receive the guaranteed lowest prices on over 20,000 office products and additional savings when orders are placed online. Fast, free shipping is also virtually guaranteed from the 40 Penny Wise distribution centers nationwide.
Sprint/T-Mobile

Sprint/T-Mobile Wireless Services
Get more savings and more value as you add more lines to your small business Sprint account. In addition to member discounts on devices and monthly plans, leverage Sprint’s easy team management solutions, priority support, and mobile security features.  Members receive up to $650 in credits for each line you switch to Sprint’s network, as well as access to business features like in-vehicle wifi, push-to-talk connectivity and fleet management solutions.
UPS Shipping

Members receive discounts on UPS delivery services for a variety of next day, 2-day and 3-day shipping options.

Value Added Benefits

First Health Network

This Health Depot membership includes access to the First Health Limited Benefit Network.  Members have access to a premier national network that includes more than 5,100 hospitals, 110,000 ancillary facilities and 695,000 professional providers at over 1 million health care service locations.*

With average savings of 32-52%** for the most commonly used medical providers/services, Health Depot members benefit from lower out-of-pocket costs through the First Health Network.

Learn More About This Benefit

Karis360

Karis360’s team of Advisors offer personalized, caring, expert service helping members navigate the complex and expensive healthcare maze. With services from Healthcare Navigator to Bill Negotiator to Surgery Saver to Chaplaincy, Karis360 will sort through your healthcare needs saving you time and money.

Karis360 sorts through healthcare paperwork
Karis360 saves time and money
Karis360 provides unlimited assistance from a Personal Advisor

View real member testimonials for:

Bill Negotiation   Health Care Navigator

 

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Insurance Benefits

Group Fixed Indemnity Limited Benefit Medical Insurance Benefits

Fidelity Security Life Insurance Company®

Benefit DescriptionClearPoint
Level 1		ClearPoint
Level 2		ClearPoint
Level 3		ClearPoint
Level 4		ClearPoint
Level 5		ClearPoint
Level 6
Hospital Confinement Benefit+
Benefits are payable as shown for each day that an Insured Person is Confined to a Hospital due to an Injury or Sickness. The benefit is payable from the first day of Confinement.
+Maximum Number of Days per Period of Confinement in Pennsylvania is 31 days.
Benefit Amount per Day$150$250$350$500$750$1,000
Maximum Number of Days per Period
of Confinement		303030303030
Maximum Number of Confinements per Calendar Yearunlimitedunlimitedunlimitedunlimitedunlimitedunlimited
Intensive Care Unit Confinement Benefit
Benefits are payable as shown for each day that the Insured Person is Confined in an Intensive Care Unit due to an Injury or Sickness. The benefit is payable from the first day of Confinement. This benefit is in addition to any other Confinement benefit under the Policy.
Benefit Amount per Day$150$250$350$500$750$1,000
Maximum Number of Days per Calendar Year555555
In-Hospital Surgical Benefit
Benefits are payable as shown for each day an Insured Person has a surgery due to an Injury or Sickness. Inpatient surgical operations must be performed while the Insured Person is Hospital Confined. Benefits are not payable for surgical operations performed in a Physician’s office.
Benefit Amount per DayN/A$500$500$700$700$1,000
Maximum Number of Days per Calendar YearN/A11111
Outpatient Surgical Benefit
Benefits are payable as shown for each day an Insured Person has a surgery due to an Injury or Sickness. Outpatient surgical operations must be performed in a Hospital outpatient surgery facility or a free-standing Outpatient surgery center. If an Insured Person is subsequently Hospital Confined, the surgery will be considered an Inpatient surgical operation. Benefits are not payable for surgical operations performed in a Physician’s office.
Benefit Amount per DayN/A$500$500$700$700$1,000
Maximum Number of Days per Calendar YearN/A11111
Anesthesia Benefit
Benefits are payable as shown for each day the Surgery benefit is paid and anesthesia is administered to an Insured Person.
Benefit Amount per Day
(Percentage of surgical benefit amount)		N/A25%25%25%25%25%
Outpatient Physician Office Visit Benefit
Benefits are payable as shown for each day an Insured Person receives treatment for Injury or Sickness in a Physician’s office or Urgent Care Facility.
Benefit Amount per Day
$60$60$60$70$70$80
Maximum Number of Days per Calendar Year6688810
Outpatient Diagnostic Laboratory Tests Benefit*
Benefits are payable as shown for each day an Insured Person undergoes an Outpatient diagnostic laboratory test for processing in a laboratory for diagnosis of an Injury or Sickness for which symptoms have been presented. The tests must be ordered by the Insured Person’s attending Physician. The Outpatient diagnostic laboratory test must be submitted to an Outpatient facility or, if submitted to a Hospital, submitted while the Insured Person is an Outpatient. Only one benefit is payable per day, no matter how many Outpatient diagnostic laboratory tests an Insured Person undergoes in a single day.
*Routine or wellness lab screens and tests are not covered.
Benefit Amount per Day$30$40$50$50$60$70
Maximum Number of Days per Calendar Year333333
Outpatient Diagnostic Tests Benefit**
Benefits are payable as shown for each day an Insured Person has one or more x-rays, radiological tests and/or other non-laboratory medical tests performed for diagnosis of an Injury or Sickness for which symptoms have been presented. The tests must be ordered by the Insured Person’s attending Physician. The test must be performed in an Outpatient facility or, if performed in a Hospital, performed while the Insured Person is an Outpatient. Only one benefit is payable per day, no matter how many diagnostic tests are performed in a single day.
**Laboratory tests and routine wellness screens and tests are not covered.
Benefit Amount per Day$50$50$60$50$60$70
Maximum Number of Days per Calendar Year333333
Outpatient Advanced Diagnostic Tests Benefit
Benefits are payable as shown for each day an Insured Person has an Advanced Diagnostic Test performed for diagnosis of an Injury or Sickness for which symptoms have been presented. The tests must be ordered by the Insured Person’s attending Physician. The tests must be performed in an Outpatient facility or, if performed in a Hospital, performed while the Insured Person is an Outpatient. Only one benefit is payable per day, no matter how many Advanced Diagnostic Tests are performed in a single day. This benefit is in addition to the Outpatient Diagnostic Tests benefit.
Level One Benefit Amount per Day
(Ultrasound, Mammogram, Stress Test,
Echocardiogram, EEG, or EKG)		N/A$50$100$100$100$150
Level Two Benefit Amount per Day
(CT or CAT, MRI, MRA or PET)		N/A$150$300$300$300$450
Maximum Number of Days per
Calendar Year
(Level One and Two Combined)		N/A33333
Ambulance Transportation Benefit
Benefits are payable as shown for each day an Insured Person is transported by a duly licensed ambulance service to the nearest facility equipped to treat an Insured Person’s Injury or Sickness. The transportation must occur within 72 hours of the Accident or onset of the Sickness. This does not include transportation solely to the Insured Person’s personal Physician or to secure treatment from a Physician or a facility of greater renown. Only one benefit is payable per day, no matter how the transportation is provided or how many transportations are provided in a single day. If more than one type of transportation is provided (air, ground or water) in the same day, the higher benefit will be paid.
Benefit for Ground/Water Ambulance
per Day		$100$150$200$250$300$300
Benefit for Air Ambulance per Day$300$450$600$750$900$900
Maximum Number of Days per Calendar Year111111
Emergency Room for Injuries Benefit
Benefits are payable as shown for each day an Insured Person receives treatment in a Hospital emergency room due to an Injury. The treatment must begin within 72 hours of the Accident.
Benefit Amount per Day$300$300$300$500$500$500
Maximum Number of Days per Calendar Year222222
Emergency Room for Sickness Benefit
Benefits are payable as shown for each day an Insured Person receives treatment in a Hospital emergency room due to a Sickness.
Benefit Amount per Day$50$50$75$75$100$100
Maximum Number of Days per Calendar Year222222
Outpatient Accident Benefit
Benefits are payable as shown for each day an Insured Person receives treatment for an Injury. Treatment must be provided by a Physician in the Physician’s office, clinic, Urgent Care Facility or Hospital emergency room. The first treatment must be received within 72 hours of the Accident.
Benefit Amount per DayN/AN/AN/A$100$100$100
Maximum Number of Days per AccidentN/AN/AN/A111
Maximum Number of Accidents per Calendar YearN/AN/AN/A233
Wellness Benefit
Benefits are payable as shown for each day an Insured Person has any of the following health screenings, examinations or tests performed by or under the supervision of or recommendation of a Physician for the purpose of looking for disease before symptoms occur: Blood test for triglycerides, Bone marrow testing, Breast ultrasound, Cancer Antigen 125 blood test, Cancer Antigen 15-3 blood test, Carcinoembryonic antigen (CEA) blood test, Chest X-ray, Colonoscopy, Fasting blood glucose test, Flexible sigmoidoscopy, Hemoccult stool analysis, Immunizations, Mammography, Pap test, Physical examinations, Prostate Specific Antigen (PSA) blood test, Serum cholesterol test to determine HDL/LDL level, Serum Protein Electrophoresis (SPEP) blood test, Stress test on a bicycle or treadmill, Thermography. Health screenings, examinations or tests intended to diagnosis, treat or monitor a Sickness or Injury after symptoms occur are not covered under this benefit. Only one benefit is payable per day, no matter how many health screenings, examinations or tests are performed in a single day.
Benefit Amount per Day$100$100$100$150$150$150
Maximum Number of Days per Calendar Year
Insured Persons age 1+
Insured Persons under age 1		1
4		1
4		1
4		1
4		1
4		1
4

Disclaimers

Limitations & Exclusions

Monthly Rates

ClearPoint Monthly Membership Rates
Level 1Level 2Level 3Level 4Level 5Level 6
Member$156$247$277$325$357$417
Member + Spouse$201$345$389$472$527$629
Member + Child(ren)$181$302$339$409$452$535
Member + Family$235$415$457$559$625$752

A one-time enrollment fee of $125 applies, charged by The Health Depot Association.

The monthly membership rates listed above are inclusive of membership fees, administrative fees, and insurance rates. The following rates apply for the insurance underwritten by Fidelity Security Life Insurance Company® as part of your Health Depot ClearPoint membership.

The monthly premium rates by plan level are as follows: Level 1: Member-$26.14, Member+Spouse-$49.67, Member+Child(ren)-$39.21, Member+Family-$63.52; Level 2: Member-$41.22, Member+Spouse-$78.32, Member+Child(ren)-$61.83,Member+Family-$100.16; Level 3: Member-$48.44, Member+Spouse-$92.04, Member+Child(ren)-$72.66, Member+ Family-$117.71; Level 4: Member-$63.29, Member+Spouse-$120.25, Member+Child(ren)-$94.94, Member+Family-$153.79; Level 5: Member-$72.49, Member+Spouse-$137.73, Member+Child(ren)-$108.74, Member+Family $176.15, Level6:Member-$91.44, Member+Spouse-$173.74, Member+Child(ren)-$137.16, Member+Family-$222.20.

The Insurance premium rates only reflect the coverage underwritten by Fidelity Security Life Insurance Company®. It does not include the association’s costs for other coverages, programs, and services; including but not limited to member discounts and savings related programs and services, administration and maintenance of association information, and awareness benefits, websites, enrollment, fulfillment, and any other costs related to administration of the association.

FAQ / Carrier Information

About the Carrier

Fidelity Security Life Insurance Company®

Headquartered in Kansas City, Missouri, Fidelity Security Life Insurance Company® (FSL) embraces Midwestern values in serving its customers, agents, policyholders and partners while achieving profitable performance. Since receiving its Missouri insurance charter in 1969, FSL has focused on developing innovative, customized insurance products. Since its founding, the company has remained responsive in creating or tailoring products that address both agent and policyholder needs.

Fidelity Security Life Insurance Company® designs and delivers various life, accident and health insurance products to consumers in the United States. It offers its products through a network of distributors, agents, brokers, reinsurers, providers, administrators, and other carriers.

Fidelity Security Life Insurance Company® possesses the strength and stability required by policyholders and partners alike. It has been rated A (Excellent) based on an analysis of financial position and operating performance by A.M. Best Company, an independent analyst of the insurance industry. For the latest rating, access www.ambest.com. For more information, visit www.fslins.com.

Enrollment Tips

The ClearPoint Limited Medical plans include the ScriptSave Prescription Savings program.

  • The ScriptSave Prescription Savings program provides discounts on prescriptions
  • However, ScriptSave is not as comprehensive as the SimpleScripts Rx program – SimpleScripts Rx includes a broad formulary of $1 drugs, $10-$200 drugs, a mail order option and a Diabetic Supply Program.
    • So members may want to enroll in the SimpleScripts Rx program in addition to the discount Rx included in ClearPoint.

How to Enroll

Coverage Selection

  • Visit www.1enrollment.com/hpma to set up your account.
  • Click Enroll on your first selection
  • Select coverage level on dropdown
  • Scroll down to bottom of page for additional selections
  • Verify coverage level is correct for each product
  • Click Continue

Check Out

  • Complete required information denoted by red asterisk
  • Review effective date(s) for each product
  • Fill out and click Save Dependent for each dependent
  • Completed dependents will show up on the right side of the screen
  • Review and Check the Authorization Section

Verification

  • Click Send Link under Signature and fill in Cell Phone or Email
  • Review, Approve and Sign Your Document message will be sent to Cell Phone or Email
  • Review your enrollment information, check any applicable boxes, sign, type your name and click Accept
  • Go back to enrollment site and wait until you see Signature Document Received in a green box
  • Click Submit and you will see a Confirmation screen

Immediately upon enrollment, you will receive a Welcome Email for each product you selected with details on your membership.

For any questions during the Enrollment process, please contact Member Services at (214) 436-8869.

Health Care Discounts Disclosure

Not available in AK, OK, UT, VT, WA. If you move to one of those states, your discount medical benefits will terminate.

The discount medical, health, and drug benefits of this Plan (The Plan) are NOT insurance, a health insurance policy, a Medicare Prescription Drug Plan or a qualified health plan under the Affordable Care Act. The Plan provides discounts for certain medical services, pharmaceutical supplies, prescription drugs or medical equipment and supplies offered by providers who have agreed to participate in The Plan. The range of discounts for medical, pharmacy or ancillary services offered under The Plan will vary depending on the type of provider and products or services received. The Plan does not make and is prohibited from making members' payments to providers for products or services received under The Plan. The Plan member is required and obligated to pay for all discounted prescription drugs, medical and pharmaceutical supplies, services and equipment received under The Plan, but will receive a discount on certain identified medical, pharmaceutical supplies, prescription drugs, medical equipment and supplies from providers in The Plan. You may call (214) 436-8882 or email customerservice@premierhsllc.com for more information or visit myhealthaccountmanager.com for a list of providers. The Plan will make available before purchase and upon request, a list of program providers and the providers’ city, state and specialty, located in the member’s service area. The fees for The Plan are specified in the membership agreement.

Note to MA consumers: The discount plan is not insurance coverage and does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00.

 

HDCP1018-7