GapAfford Supplemental Discount Medical Program


Welcome to NCE GapAfford Plus!

Your Partner in Health Care Savings!

NCE's GapAfford is a great way for individuals and families to save money on out-of-pocket medical expenses, whether or not they have health insurance.

Your savings start from the first dollar, with no limits. Our cost savings program gives employees/members access to the same pre-negotiated lowered rates similar to what insurance companies receive.

The GapAfford Program is ideal for people:

•     With High Deductible health insurance plans

•     With no health insurance

•     Who are under-insured

•     Who cannot get  health insurance due to pre- existing conditions

•     Whose plans don’t cover, or cap benefits on certain procedures

•     Who are in their eligibility waiting period

•     Who are on COBRA

Everyone is approved! No medical exam required!

You must pay for services at the time they are rendered. Neither GapAfford Plus, NBBI or the DMPO will pay for any services received. You may contact the Discount Medical Plan Organization at AccessOne Consumer Health, Inc. 84 Villa Rd. Greenville SC 29615 This program is not available in Alaska, Delaware, Montana, Rhode Island, Utah, Vermont and Washington. This is not Insurance.



MedAfford Global Rx
Save on your brand-name medications through mail order
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Save up to 80% on your brand-name medications through our international mail order program. Ordering your discount brand-name medications is convenient, easy, and secure.

With a valid prescription from your doctor our Customer Service team will assist you in identifying savings on your brand drug(s) and provide information on cost differential by dosage and country, order your prescription, and set you up for refill reminder.

How It Works

Step 1. Price your brand-name medication

Step 2. Call 855-633-7977 to place your order or refill.

Step 3. Your medications ship directly to you.

Membership Participation Agreement
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Membership Participation Agreement

As a member of NCE GapAfford, you are a participant in a Discount Medical Plan Organization provided by Access One Consumer Health Below are the terms and conditions of your participation. This agreement is between you and Access One Consumer Health.

The effective date of your enrollment is shown on the Member ID and shall continue from month to month until NCE GapAfford or Access One Consumer Health is notified of your cancellation.


•    The plan is not insurance;

•     The plan provides discounts at certain healthcare providers for medical services;

•     The plan does not make payments directly to the providers of medical services;

•     The  plan  member  is  obligated  to  pay  for  all healthcare services but will receive a discount from healthcare providers who have contracted with the discount plan organization;

•     The name and address of the licensed discount medical plan organization: Access One Consumer Health,  84  Villa  Road,  Greenville,  SC  29615;

800-896-1962; You may find a list of participating providers at: www.   or you may call: 877-

376-5831. You will be able to apply plan discounts to all participating providers of each participating network.

You will receive discounts at participating medical equipment & supplies, and rehabilitation services ranging from 5% to 40%, and participating pharmacies provide discounts of 5% to 40% for pet medications.

The discounts for participating dentists range from 15-

50% off standard billed charges per visit.


The Member Agreement (DACMPA-P/0211), Member Guide (DACGUIDE-P/0612x) and Member ID Card (DACID-P/0211) represent the entire Agreement between you and Choice Value GapAfford and Access One Consumer Health

You will be billed at the time services are provided by the participating provider who will apply the applicable discounts to that bill. In no instance can NCE Value GapAfford  or Access One Consumer Health make payments directly to a provider on your behalf.

Your participation in the plan will continue from month to month upon payment of your monthly dues and


shall cease upon (i) your failure to make the monthly payment; or (ii) notification in writing (USPS, email or facsimile) of your desire to cancel.

You may cancel your membership in the discount medical plan organization within thirty (30) days after the effective date of your participation or receipt of your ID card, whichever is later, and receive a full refund less a minimal processing fee if applicable. After the first thirty (30) days, you may cancel participation at any time and if you have pre-paid any membership fees, the prepayment will be refunded on a pro-rata basis for the unused months. Notification must be received at least five (5) business days in advance of the next billing cycle for you not to be charged for that billing cycle.

Participation in the program may be terminated if you fail to make a payment when due.

This plan includes you and your dependent children at no charge. You are not required to list your dependents to participate in the plan.

If you have a complaint regarding the plan you may go to: or call 800-896-1962. You may also write to Access One Consumer Health

84 Villa Rd. Greenville, SC 29615.  The complaint will be addressed and you will receive a response within

15 days.


THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance. This plan does not meet the minimum creditable coverage requirements under M.G.L. c.111M and 956 CMR 5.00. This plan is not a Qualified Health Plan under the Affordable Care Act. This is not a Medicare prescription drug plan.

This Agreement and its Benefit Descriptions represent the entire agreement between you, Dentachoice and Access  One  Consumer  Health  and  supersedes  all other prior representations, statements, or written agreements between you and Dentachoice or Access One  Consumer  Health.  Neither  Dentachoice  nor Access One Consumer Health has liability for providing or guaranteeing service or any liability for the quality of services rendered.

Note: Keep a copy of the Member Agreement for your records.

Provider Lookup
GapAfford Provider Lookup
Search for Your GapAfford Plan Provider:
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Provider Look Up - click on a category below:


Vision Network
Provider LookUp
View Brochure

Savings of 10% to 50% on most prescription eyeglasses, frames, and lenses, through a national network of over 12,000 independent and chain vision optical centers.

>Click HERE to look up a Vision Provider

You can also click Provider Look Up on the top right of this section.

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Save an average of 55% on generic drugs and 15% on brand-name drugs at over 80% of pharmacies in the country.

How to use: Simply bring your card to a participating pharmacy along with your prescription and present it to the pharmacist.

Our computer system will provide the pharmacist with the proper pricing.

To look up a Provider



Physical Therapy
Physical Therapy
Physical Therapy for GapAfford
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Save 20% at over 1,200 offices with 4,000 rehabilitation and physical therapy providers in 23 states.

How to use: Click HERE to look up a provider call that provider and let them know that you are a member of The Health Connection network.


Provider LookUp
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Free initial consultation, 50% savings on diagnostic services and x-rays (if necessary), and unlimited treatments at 30% savings from a national network of over 12,000 chiropractors.

How to access:  Click HERE or Click on Provider LookUp on the top right side of this section.  You can also also call (800) 634-2968, provide the customer service representative with your name and membership number. Call the participating provider to make an appointment. Make sure to identify yourself as a member of Chiropractic Lifecare of America network.

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Serious Medical Conditions such as heart disease, prostate cancer, diabetes, thyroid disease, and more can go undetected for years—without noticeable symptoms. The earlier a problem is detected, the easier and more likely it is to be treatable.

With DirectLabs®, you now have direct access to major clinical labs across the USA 1 for those important blood tests – and at discounted prices. Take charge of your health and fitness today! It is simple; a doctor’s appointment is not necessary. All blood tests offered at a savings of up to 80% off typical lab costs and through the same CLIA-certified accredited labs used by your physician.

DirectLabs® services include: blood, urine, saliva, hair, and fecal tests.

1 This product is not available in MD, NJ, NY or RI.


Example of your Savings 
Lab Test DirectLabs® Price

Comprehensive Wellness Profile* $97

Vitamin D 25, Hydroxy $59

PSA $44

Thyroid Panel w/TSH $49


* Comprehensive Wellness Profile (CWP) with 50+ results include: CBC, TSH, lipids, liver, 
glucose, kidney, iron, fluids, electrolytes and minerals

How to Access the Benefit:

As a member of the PlatinumRx Plus program, you may call 800-908-0000 and identify yourself with the code: R-AOCH, or visit:

You must have the requisition form from DirectLabs® prior to going to the lab. Please review the online instructions carefully.

WEB -0211 FORM

States Not Available: MD, NJ, NY, RI
Nurse Help Line
Nurse Line 24/7
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The Health Information Line provides you with access to a comprehensive library of health information that is available to you over the phone or online.

How to access: To access the topics over the telephone, call (855) 771-6081 and provide the Registered Nurse with your name, group number, and membership number.

This is Not Insurance

This program is not provided by AccessOne DMPO

Hearing Savings Program
Save on Hearing Services and Supplies

Better hearing helps you stay connected to life!


American Hearing Benefits (AHB) offers free hearing consultations and exclusive discounts on the latest hearing aid technology, including Bluetooth® setting, rechargeable hearing aids and sophisticated tinnitus products. Our program is designed to help members with their hearing needs and improves their quality of life through better hearing.  AHB is a division of Starkey Hearing Technologies, the only remaining American owned and operated hearing aid manufacturer.


It's proven that hearing health is related to quality of life.

American Hearing Benefits will help you and your family members take care of your hearing with access to free hearing consultations and significant discounts on hearing aids.  Our Hearing Care Advisors guide you through the process and will connect you with a hearing professional in your area to take full advantage of this valuable benefit.


To access this benefit, visit or call 888-779-2862.

Health Savings
Medical Supply Savings
Save Big on Medical Supplies
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Members, and family members residing in their households, can save an average of 20% - 50% off the retail price of thousands of home medical supply and equipment products.

Medical Bill Negotiation
Save on Your Medical Bills With Our Negotiation Program
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When you have a medical bill in excess of $5000 which falls outside of your allowed plan of benefits, call our patient advocate team, they will confirm charges and work to negotiate a reduction in your bill. There is no guarantee that the provider or facility will agree to the negotiation of a charge

Let Us Be Your Advocate - Our negotiation team is experienced in reducing charges from hospitals and medical providers. Full payment to the provider or facility is required at the time of accepted negotiation.

Note: There is a 15% of savings fee to access this service.

How to Access This benefit: Call 877-271-6559

Discount Dental and Vision
Dentachoice for Fulfillment site
Finally, A Dental Discount Program That You Can Smile About!
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Save an average of  15 - 50% per visit on Dental Services Utilizing the Aetna® Dental Access Network of over 262,000 available dental practice locations nationwide.   The plan includes a National Discount Vision Program with savings at over 12,000 vision locations!

Individual or Family(Household) Programs Available*!

Finally, a discount dental and vision program that you can smile about!


* Note: The Dentachoice program is not available in Alaska, Montana, Rhode Island, Utah, Vermont and Washington.

The Dentachoice Dental and Vision Program provides access to the Aetna Dental Access network. This network is offered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the Dentachoice Dental and Vision Program. Neither ALIC nor any of its affiliates is an affiliate, agent, representative or employee of National Benefit Builders, Inc. (NBBI). Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.

This is NOT Insurance.

States Not Available: AK, MT, RI, UT, VT, WA
NCE GapAfford Plus
1000 N West Street Suite 1200
Wilmington Delaware, 19801
PHONE: 888-886-1796
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