About HD ClearPoint
When it comes to our health, life can throw a lot of curve balls. So, when an illness strikes, worrisome symptoms may appear or the unexpected happens, HD ClearPoint can help. The insurance benefits that come with this membership can help offset the expenses incurred with a covered sickness, condition or accident. And, with included physician office visits and a fully insured outpatient generic prescription drug benefit, 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 intended as a replacement for comprehensive major medical coverage, and it does not comply with the requirements of the Affordable Care Act (ACA).
With ClearPoint, HD 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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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.
Take advantage of affordable auto rental rates from Avis®, Budget® and Dollar® Rent A Car.
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.
Members receive discounted gym memberships at more than 10,000 gyms nationwide including, 24 Hour Fitness, Bally, Curves, Anytime Fitness, plus regional chains (New York Sports Clubs, etc.) 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.
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.
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.
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.
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.
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.
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.
Health Care Solutions*
Talk to a doctor by phone, web or mobile app anytime, anywhere. From your home, office, hotel room, or vacation campsite, simply make a phone call, and in most cases, speak to a doctor in less than 30 minutes, with an average call back time of less than 10 minutes. When you call Teladoc, you will always speak to a doctor who lives and works in the United States and is licensed to practice medicine in your state. Teladoc is also the only telemedicine provider able to treat children from 0-17¹ . It’s health care that fits in the palm of your hand.
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.
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.
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.
Radiology tests have become key tools for physicians to help diagnose and monitor disease. Through One Call Care, our members can save 20% to 50% on MRIs, PET and CT scans when these tests are ordered by a doctor. Make the most out of your health plan and take advantage of optimal quality, convenience, and savings with just one call.
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.
Small Business Solutions*
The Business AdvantEdge Program provides you with access to discounted business services. In addition to the resources highlighted in the Small Business Solutions section, you can save money on a variety of services through many more vendors on the Business AdvantEdge website. Visit the Member MarketPlace to find out more about all the services available to you. 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.
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.
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.
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.
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).
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 Wireless Services
With Sprint Wireless Services, new subscribers can have unlimited freedom, better choice plans and up to $250 in service credits. If you are with another carrier, Sprint will help you determine the best plan and best time to switch. Members receive discounts on most rate plans, select Sprint accessories, 3G/4G data solutions, mi-fi and hot spot devices.
Members receive discounts on UPS delivery services for a variety of next day, 2-day and 3-day shipping options.
Members receive discounts on FedEx services, including Priority and Standard Overnight, Express Saver, FedEx Ground®, and FedEx Express International shipping options.
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.
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:
*Association Program Only – Not Insurance
|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.|
|Benefit Amount per Day||$150||$250||$350||$500||$750||$1,000||$1,250|
|Maximum Number of Days per Period|
|Maximum Number of Confinements per Calendar Year||unlimited||unlimited||unlimited||unlimited||unlimited||unlimited||unlimited|
|Hospital Admission Benefit|
|Benefits are payable as shown for the first day that an Insured Person is admitted to a Hospital as a registered bed patient. The benefit is paid in addition to any other benefits provided by the Policy.|
|Benefit Amount per First Day of Confinement||N/A||N/A||N/A||N/A||N/A||N/A||$1,250|
|Maximum Number of Days per Calendar Year||N/A||N/A||N/A||N/A||N/A||N/A||1|
|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||$1,250|
|Maximum Number of Days per Calendar Year||5||5||5||5||5||5||5|
|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 Day||N/A||$500||$500||$700||$700||$1,000||$2,000|
|Maximum Number of Procedures per Calendar Year||N/A||1||1||1||1||1||1|
|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 Day||N/A||$500||$500||$700||$700||$1,000||$1,000|
|Maximum Number of Days per Calendar Year||N/A||1||1||1||1||1||1|
|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)
|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|
(percentage of surgical benefit amount)
|Maximum Number of Days per Calendar Year||6||6||8||8||8||10||10|
|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||$80|
|Maximum Number of Days per Calendar Year||3||3||3||3||3||3||3|
|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||$80|
|Maximum Number of Days per Calendar Year||3||3||3||3||3||3||3|
|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)
|Level Two Benefit Amount per Day|
(CT or CAT, MRI, MRA or PET)
|Maximum Number of Days per|
(Level One and Two Combined)
|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|
|Benefit for Air Ambulance per Day||$300||$450||$600||$750||$900||$900||$900|
|Maximum number of Days per Calendar Year||1||1||1||1||1||1||1|
|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||$500|
|Maximum Number of Days per Calendar Year||2||2||2||2||2||2||2|
|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||$100|
|Maximum Number of Days per Calendar Year||2||2||2||2||2||2||2|
|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 Day||N/A||N/A||N/A||$100||$100||$100||$100|
|Maximum Number of Days per Accident||N/A||N/A||N/A||1||1||1||1|
|Maximum Number of Accidents per Calendar Year||N/A||N/A||N/A||2||3||3||3|
|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, Hemocult 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||$150|
|Maximum Number of Days per Calendar Year |
Insured Persons age 1+
Insured Persons under age 1
|Outpatient Indemnity Prescription Drug Benefit - Generic Only1|
|Benefits are payable for covered Outpatient Prescription Drugs available on the generic formulary. If the Insured Person has the Outpatient Prescription Drug filled or refilled at a Participating Pharmacy and presents their Prescription Drug card, the benefits are assigned to the Participating Pharmacy. The Insured Person is required to pay any cost for the Prescription Drug above the plan benefit. The average member responsibility is $10.00. If the Insured Person has the Prescription Drug filled or refilled at a Non-Participating Pharmacy or does not present their Prescription Drug card, the Insured Person must pay the full cost for the Prescription Drug at the time the Prescription Drug is filled or refilled and file a claim with the insurance company.|
|Annual Benefit Maximum||$1,000||$1,000||$1,000||$1,000||$1,000||$1,000||$1,000|
1This benefit is not available in IL, IA and MI.
|ClearPoint Monthly Membership Rates|
|Level 1||Level 2||Level 3||Level 4||Level 5||Level 6||Level 7|
|Member + Spouse||$205||$269||$299||$359||$409||$499||$799|
|Member + Child(ren)||$179||$229||$255||$305||$339||$419||$749|
|Member + Family||$249||$329||$369||$445||$509||$609||$1,099|
A one-time enrollment fee of $99 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 premium rates by plan level are as follows: Level1: Member-$37.14, Member+Spouse- $67.05, Member+Child(ren)-$55.93, Member+Family-$87.28; Level2: Member-$52.22, Member+Spouse- $95.70, Member+Child(ren)-$78.55, Member+Family-$123.92; Level3: Member-$59.44, Member+Spouse- $109.42, Member+Child(ren)-$89.38, Member+Family-$141.47; Level4: Member-$74.29, Member+Spouse- $137.63, Member+Child(ren)-$111.66, Member+Family-$177.55; Level5: Member-$83.49, Member+Spouse- $155.11, Member+Child(ren)-$125.46, Member+Family-$199.91; Level6: Member-$102.44, Member+Spouse- $191.12, Member+Child(ren)-$153.88, Member+Family-$245.96; Level7: Member-$169.80, Member+Spouse-$333.72, Member+Child(ren)-$314.21, Member+Family-$478.92.
For residents in IL and MI, the premium rates by plan level are as follows: Level1: Member-$26.14, Member+Spouse- $49.67, Member+Child(ren)- $39.21, Member+Family-$63.52; Level2: Member-$41.22, Member+Spouse- $78.32, Member+Child(ren)-$61.83, Member+Family-$100.16; Level3: Member-$48.44, Member+Spouse- $92.04, Member+Child(ren)-$72.66, Member+Family-$117.71; Level4: Member-$63.29, Member+Spouse- $120.25, Member+Child(ren)-$94.94, Member+Family-$153.79; Level5: 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; Level7: Member-$155.75, Member+Spouse-$311.50, Member+Child(ren)-$292.81, Member+Family-$448.56.
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 / About the Carrier
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.
- Between the ages of eighteen (18) and seventy (70)
- Reside in an available state
- Dependent children must be under age twenty-six (26), unless otherwise mandated by state
- Must remain a member of Health Depot Association
Outpatient Indemnity Prescription Drug Insurance Benefit is not available for Members residing in IL, IA and MI.
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 (855) 351-7535 for more information or visit members.healthdepotassociation.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.