Starting Coverage: February 27

About HD Protection Plus – Retired

The HD Protection Plus membership includes discounts and special offers on a variety of Consumer, Business and Health Care products and services PLUS Blanket Group Specified Disease/Illness, Blanket Group Accident, Blanket Group Accidental Death & Dismemberment and Excess Medical Expense Coverage, Blanket Group Critical Illness Insurance, insured prescription drugs and term life insurance. You can choose from seven coverage levels to find a plan that best fits your needs.

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Association Benefits

Consumer Discounts

Retail Benefits

Through this online shopping site, members can earn up to 40% cash back at more than 5,000 leading merchants and save even more with coupons that can be used instantly in-store. Shop at popular stores like Walmart, Target, Best Buy, Crate & Barrel, Gap, Banana Republic, Champs Sports, Home Depot, Macy’s and JCPenney. Book travel (airfare, hotels, rental cars, and more) through featured sites like Travelocity, Orbitz, Hotels.com, Priceline and Expedia.

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.

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.

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.

Car Rental Discounts

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

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.

1-800-flowers

Save 15% when you order flowers and gifts from 1800flowers.com, either online or by phone. You’ll enjoy top-quality customer service with same-day delivery on many items.

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.

Magazine Discounts

Save up to 85% off regular subscription rates on popular titles through Magazineline.com and Magazines.com, Inc.

Health Care Discounts

Telehealth

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.

Prescription Discount Program

CVS Caremark is a pharmacy management company that has contracted discounts at the time of purchase, at over 67,000 pharmacies nationwide. Members can save an average of 20% off of 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 indemnity amount of $5-10 for generic drugs and $15-25 for brand name drugs on the formulary drug list.

Visit cvshdrx.com.

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

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.

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.

Dental

Members and their dependents can save 15% to 50%* on dental care through our Dental network of over 110,000 participating provider listings, including both general dentists and specialists across America.

Simply select a participating dentist in your area and present your membership card at your appointment to receive the discounted rates. There is no limit to the number of visits and you can change dentists within the network at any time for any reason.

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.

EyeMed Vision Network Savings

Access to a national network of over 65,000 vision providers in 26,000+ locations, including LensCrafters®, Sears Optical®, Target Optical®, JCPenney Optical® and most Pearle Vision® locations. Members enjoy their choice of participating independent optometrists, ophthalmologists and opticians located throughout the country.

Small Business Discounts

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.

UPS Shipping

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

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.

Value Added Benefits

PHCS PPO Network

The PHCS Network is a Preferred Provider Organization (PPO). A PPO is a network of health care providers who agree to provide services at a pre-negotiated rate. The PHCS Network is an important feature of your Health Depot Plan. You have access to thousands of hospitals, practitioners and ancillary facilities who have agreed to significant discounts on their medical services. The PHCS Network includes nearly 4,400 hospitals, 79,000 ancillary care facilities and more than 700,000 healthcare professionals nationwide.

With discounts averaging 42% for physicians and specialists—the types of services most typically used with these plans—Health Depot members get more value for their benefit dollars.

Term Life Insurance

If the unexpected were to happen, you can have peace of mind knowing that your loved ones have extra protection to prepare for the lost income and additional expenses related to your death.  Through Principal Life Insurance Company, a division of The Principal Financial Group, the Primary Member will receive $10,000 in term life insurance coverage. Certain terms and conditions apply.

Term Life Insurance is not available to members who reside in Alaska, Colorado, Maine, Montana, New York and Oregon.

CVS Insured Rx

CVS Caremark is a pharmacy management company that has contracted discounts at the time of purchase, at over 67,000 pharmacies nationwide. Members can save an average of 20% off of 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 a benefit amount of up to $5-10 for generic drugs and $15-25 for brand name drugs on the formulary drug list.

Visit cvshdrx.com.

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

 

Insured Benefits

Blanket Group Specified Disease/Illness and Blanket Group Accident Plans

Underwritten by Freedom Life Insurance Company of America

Specified
Disease/
Illness
Plan
Accident
Plan
Benefit DescriptionProtection
Plus
Level 1
Protection
Plus
Level 2
Protection
Plus
Level 3
Protection
Plus
Level 4
Protection
Plus
Level 5
Protection
Plus
Level 6
Protection
Plus
Level 7
Inpatient Benefits
Hospital Room & Board Benefit
Up to a Calendar Day maximum of$250$250$350$500$750$1,000$1,500
Up to a Membership Year maximum of$2,500$7,500$10,500$15,000$22,500$30,000$45,000
Hospital Intensive Care Unit Room & Board Benefit
Up to a Calendar Day maximum of$250$250$350$500$750$1,000$1,500
Up to a Membership Year maximum of$1,250$1,250$1,750$2,500$3,750$5,000$7,500
Hospital Surgeon Benefit
Benefit varies by procedure, max range is up toN/A$1,000$1,000$1,000$1,500$1,500$1,500
Surgeries per Membership YearN/A111111
Hospital Anesthesiologist Benefit
Benefit varies by procedure, max range is up toN/A25%25%25%25%25%25%
Surguries per Membership YearN/A111111
Hospital Miscellaneous Expenses Benefit
Up to a Calendar Day maximum of$250$250$250$250$250$250$250
Up to a Membership Year maximum of$7,500$7,500$7,500$7,500$7,500$7,500$7,500
Emergency Room and Other Outpatient Benefits
Outpatient Doctor Office Visit Benefit
Up to a Calendar Day maximum of$75$75$75$75$85$100$100
Visits per Membership Year3333444
Outpatient Prescription Drug Benefit
Up to a Generic Drug Prescription maximum of$5$10$10$10$10$10$10
Up to a Brand Drug Prescription maximum of$15$25$25$25$25$25$25
Up to a Membership Year maximum of$300$500$600$700$800$900$1,000
Outpatient Urgent Care Facility Benefit
Up to a Calendar Day maximum of$100$100$100$125$125$150$150
Up to a Membership Year maximum of$100$100$100$125$125$150$150
Outpatient Surgery Facility Benefit
Up to a Calendar Day maximum of$250$250$250$250$500$500$500
Up to a Membership Year maximum of$250$250$250$250$500$500$500
Outpatient Surgeon Benefit
Benefit varies by procedure, max range is up toN/A$1,000$1,000$1,000$1,500$1,500$1,500
Surguries per Membership YearN/A111111
Outpatient Anesthesiologist Benefit
Benefit varies by procedure, max range is up toN/A25%25%25%25%25%25%
Surguries per Membership YearN/A111111
Outpatient Laboratory Services Benefit
Up to a Calendar Day maximum of$25$25$25$25$50$75$100
Up to a Membership Year maximum of$75$75$100$100$200$300$400
Outpatient X-Ray Benefit
Up to a Calendar Day maximum ofN/A$25$25$25$50$50$75
Up to a Membership Year maximum ofN/A$25$25$25$50$50$75
Outpatient CAT Scan Benefit
Up to a Calendar Day maximum ofN/AN/A$100$200$300$400$500
Up to a Membership Year maximum ofN/AN/A$100$200$300$400$500
Outpatient MRI Benefit
Up to a Calendar Day maximum ofN/AN/A$100$200$300$400$500
Up to a Membership Year maximum ofN/AN/A$100$200$300$400$500
Emergency Air Ambulance Transport Benefit
Up to a Calendar Day maximum ofN/AN/A$250$250$250$500$500
Up to a Membership Year maximum ofN/AN/A$250$250$250$500$500
Emergency Ground Ambulance Transport Benefit
Up to a Calendar Day maximum ofN/AN/A$100$100$100$250$250
Up to a Membership Year maximum ofN/AN/A$100$100$100$250$250
Emergency Room Benefit
Up to a Calendar Day maximum of$100$150$200$250$300$350$400
Up to a Membership Year maximum of$100$150$200$250$300$350$400

Disclaimers

Blanket Group Critical Illness Insurance

Underwritten by Freedom Life Insurance Company of America

Benefit DescriptionLevel 1Level 2Level 3Level 4Level 5Level 6Level 7
Critical Illness Lump Sum Benefit
Maximum Critical Illness Benefit Amount, per Insured
$1,500$1,500$2,500$2,500$5,000$5,000$5,000
Percentage of Maximum Critical Illness Benefit
Kidney Failure100%100%100%100%100%100%100%
Life Threatening Cancer100%100%100%100%100%100%100%
Major Organ Transplant100%100%100%100%100%100%100%
Permanent Paralysis100%100%100%100%100%100%100%
First Diagnosis Heart Attack100%100%100%100%100%100%100%
Terminal Illness100%100%100%100%100%100%100%
CVA (Stroke)100%100%100%100%100%100%100%
Coronary Artery Bypass Surgery100%100%100%100%100%100%100%

Disclaimers

Blanket Group Accidental Death & Dismemberment and Excess Medical Expense Coverage

Underwritten by Freedom Life Insurance Company of America

Benefit DescriptionLevel 1Level 2Level 3Level 4Level 5Level 6Level 7
AD&D Benefit
Accidental Death Maximum Benefit*$10,000$25,000$25,000$25,000$25,000$25,000$25,000
Dismemberment- Percentage of Maximum Benefit
Loss of Life100%100%100%100%100%100%100%
Loss of Two or More Limbs100%100%100%100%100%100%100%
Loss of Speech and Loss of Hearing (both ears)100%100%100%100%100%100%100%
Loss of Sight (both eyes)100%100%100%100%100%100%100%
Loss of One Limb50%50%50%50%50%50%50%
Loss of Speech50%50%50%50%50%50%50%
Loss of Hearing (both ears)50%50%50%50%50%50%50%
Loss of Sight (one eye)50%50%50%50%50%50%50%
Loss of One Hand50%50%50%50%50%50%50%
Loss of One Foot50%50%50%50%50%50%50%
Loss of Hearing (one ear)25%25%25%25%25%25%25%
Loss of Thumb and Index Finger25%25%25%25%25%25%25%
Excess Medical Expense Benefit
Maximum Benefit , per Accident, per Insured$1,000$2,500$2,500$2,500$5,000$5,000$5,000
Deductible, per Accident, per Insured$250$250$250$250$250$250$250

Disclaimers

Monthly Rates

HD Protection Plus Monthly Membership Rates
Level 1Level 2Level 3Level 4Level 5Level 6Level 7
Member$199$245$279$298$378$429$538
Member + 1$298$379$419$459$598$709$878
Member + Family$399$499$559$619$799$989$1,199
*One-time $99 enrollment fee applies.

FAQ / About the Carrier

About the Carrier

Freedom Life Insurance Company of America

Freedom Life Insurance Company of America (FLICA) is an innovator in the industry, with over 50 years of health insurance experience. Their health coverage products are flexible, affordable and secure and designed to meet the needs of the individual health insurance market. Freedom Life Insurance Company of America is headquartered in Fort Worth, Texas, and they are licensed to conduct business in 42 states. FLICA has served over 15 million customers and paid over 1 billion dollars in claims. Individuals can rest easy with insurance coverage underwritten by FLICA.

Membership Eligibility

  • Between the ages of eighteen (18) and sixty-four (64)
  • Reside in an available state
  • Not enrolled in Medicare, Medicaid, Medical Disability or any other Federal or state-funded program
  • Dependent children must be under age nineteen (19); twenty-four (24) if a Full-Time Student
N/A in AK, CA, CO, CT, DE, DC, HI, ID, IN, KS, ME, MD, MA, MN, MO, MT, NV, NH, NJ, NM, NY, NC, ND, OH, OR, RI, SD, VT, WA, WI.

Health Care Discounts Disclosure

Not Available in AK, OK, UT, VT, WA. If members move to one of those states, their discount medical benefits will terminate.
The discount medical, health and drug benefits (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. The Discount Medical Plan Organization/Discount Plan Organization is Alliance HealthCard of Florida, Inc., 5005 LBJ Freeway, Suite 1500, Dallas, Texas 75244. 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. Alliance HealthCard of Florida, Inc. does not guarantee the quality of the services or products offered by individual providers. You have the right to cancel your membership at any time. If you cancel your membership within 30 days of the effective date, you will receive a full refund of all periodic charges. The processing fee is non-refundable except in AR, MD and TN. To cancel you must, notify the Health Depot Association verbally or in writing; notify Health Depot Association at 2601 Network Blvd, Suite 500, Frisco, TX 75034 or by calling 214-436-8882. We will stop collecting membership fees in a reasonable amount of time, but no later than 30 days after cancellation. Any complaints should be directed to Alliance HealthCard of Florida, Inc. at the address or phone number above. Upon receipt of the complaint, member will receive confirmation of receipt within 5 business days. After investigation of the complaint, Alliance HealthCard of Florida, Inc. will provide member with the results and a proposed resolution no later than 30 days after receipt of the complaint.
Note to DE, IL, LA, NE, NH, OH, RI, SD, TX, and WV consumers: If you remain dissatisfied after completing the complaint system, you may contact your state department of insurance.
Note to MA consumers: The 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.