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 www.accessonedmpo.com. This program is not available in Alaska, Connecticut, Delaware, Montana, Rhode Island, Utah, Vermont and Washington. This is not Insurance.

 

WEBGAP-P/0211 FORM

Discount Dental and Vision
Dentachoice for Fulfillment site
Finally, A Dental Discount Program That You Can Smile About!
More Info

Save an average of  15 - 50% per visit on Dental Services Utilizing the Aetna® Dental Access Network of over 213,000 available dental practice locations nationwide.   The plan includes a Nationwide Discount Vision Program with savings at over 10,500 vision locations!

Individual or Family(Household) Programs Available*!

 

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

This is NOT Insurance.


States Not Available: AK, CT, DE, MT, RI, UT, VT, WA
Membership Participation Agreement
Disclosures
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Membership Participation Agreement

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

The effective date of your enrollment is shown on the Member ID and shall continue from month to month until AccessOne is notified of your cancellation.

DISCLOSURES:

  • 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: AccessOne Consumer Health, Inc., 84 Villa Road, Greenville, SC 29615; 800-896-1962; www.accessonedmpo.com. You may find a list of participating providers at: www. NceGapAfford.com or you may call: 888-886- 1796. You will be able to apply plan discounts to all participating providers of each participating network.

You will receive discounts at participating chiropractors, medical equipment & supplies, rehabilitation services & diagnostic imaging centers ranging from 5% to 40%, prepaid Labs discounts of 5% to 70%, hearing services discounts of 5% to 20% and participating pharmacies provide discounts of 5% to 40%.

The discounts for participating dentists range from 15-50% off standard billed charges, per visit, and average 20%.

The vision services (including lenses and frames) are available at participating providers at discounts of 5% to 50% with an average of 25%.

The Member Agreement (GAPMPA-P/0211), Member Guide (GAPGUIDE-P/0612x) and Member ID Card (GAPID-P/0211) represent the entire Agreement between you and GapAfford and AccessOne Consumer Health, Inc.

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 GapAfford or AccessOne 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. You may add children by calling AccessOne at 800-896-1962.

If you have a complaint regarding the plan you may go to: www.accessonedmpo.com or call 800-896-1962. You may also write to AccessOne Consumer Health, Inc. 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, GapAfford and AccessOne Consumer Health, Inc. and supersedes all other prior representations, statements, or written agreements between you and GapAfford or AccessOne. Neither GapAfford nor AccessOne Consumer Health, Inc. 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.

Vision Network
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The OUTLOOK Vision network has contracted with over 10,000 eye care locations nationwide. The OUTLOOK Vision provider panel includes ophthalmologists, optometrists, independent optical centers and national chain locations.

The vision program provides:

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

•     Savings on contact lenses (excluding disposibles) at participating retail locations.

•     10% to 30% discounts on medical eye exams and surgical procedures, such as PRK and LASIK (where available and approved).


>Click HERE to look up a Vision Provider

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

This is Not Insurance

Pharmacy
Pharmacy
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Save an average of 55% on generic drugs and 15% on brand-name drugs at over 85% 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


 

WEB-GAP-02/2011 BASIC, WEB-GAPPL-02/2011 PLUS, WEB-GAPPLMD-02/2011 PREMIER

Physical Therapy
Physical Therapy
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Save an average of 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.

This is Not Insurance

WEB/0211 FORM

Chiropractic
Chiropractic
Provider LookUp
View Brochure

Program offers a free initial consultation and up to 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 look up 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.

This is Not Insurance

Alternative Medicine
Alternative Medicine
Look Up
View Brochure

Save an average of 25% at over 8,000 trained, qualified, and fully credentialed providers nationwide including acupuncture, massage and other integrated wellness therapies.

How to access: Click HERE,  or click on Look Up in the top right corner of this section: When you call the provider tell them that you are a member of The Health Connection. You can also call (800) 634 2968 to get a provider in your area.

Imaging
Imaging
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Diagnostic Imaging Network for MRIs, CT Scans, Mammographies, and X-Rays

Through an exclusive partnership with One Call Care Management (OCCM), significant discounts are available to members for advanced diagnostic imaging procedures, such as Magnetic Resonance Imaging (MRI) and Computed Tomography (CT) scans. OCCM was the first company in the nation to develop a business devoted exclusively to managing advanced radiology costs. For nearly two decades, OCCM has been the preferred solution for ensuring access to high-quality radiology testing at lower costs.

Savings up to 60% on imaging such as x-rays, MRI’s and other imaging procedures.

How to access: Call 877-814-2461. You will be quoted a significantly reduced fee and asked for your method of payment.

Member ID: 92200 Group:Image

WEB-0211 FORM

Laboratory
Laboratory
Provider Look Up
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The Laboratory Savings Program offers services offer an efficient, affordable, and confidential solution to medical laboratory testing. Members are able to browse a wide array of medical laboratory tests, become informed on both the tests and diseases, and have the ability to purchase the medical lab test directly on the website. MyMedLab’s online solution is centralized around the PHR (Personal Health Record) system and allows the member to see specific test results and monitor their overall health.

How to access:  Call 888-696-3352. You will be quoted a significantly reduced fee and asked for your method of payment


Not available in NY, NJ or RI.

This is Not Insurance

This program is not provided by AccessOne DMPO

 

WEBGAP-P/2011 FORM

Nurse Help Line
Nurse Line 24/7
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24/7 Access to a registered nurse (RN) to answer questions on family health issues. Language services are included with medical information assistance; available in over 100 languages.

How to access: If you have an emergency please call 911!

If you have an urgent (but non-emergency) medical situation and need professional advice, call toll free 855-771-6081.

Please have your name, group number and individual ID number for the registered nurse who answers the phone.

 

* Product not available in NY

24/7 Nurse Line
24/7 Health Info Line
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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: Click HERE or Click on Search Info on the top right corner of this section. If you would prefer to access the topics over the telephone, call (800) 366-3633 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

Health Savings
Hearing Savings Program
Save on Hearing Services and Supplies
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Save 20% to 50% off Manufacturers Suggested Retail Pricing.

Receive customized care and, if needed, purchase brand-name hearing aids at substantial savings.

A referral will be coordinated with a provider best suited to your needs including assistance to schedule an appointment or provide all the information you will need to call at your convenience.

How To Access: This Benefit Call (866) 956-5400 give the Promo code 9086 or NBBi

 

This is Not Insurance

Health Savings
Medical Supply Savings
Save Big on Medical Supplies
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Save from 20% to 50% off your medical supply needs. Items include a broad selection of ambulatory aids and bathroom safety items such as wheelchairs, scooters, hospital beds, and much more.

How to Access the Benefit:

CLICK HERE OR visit the website at www.nbbimedsupplies.com

 

This is Not Insurance

This program is not provided by AccessOne DMPO

Health Savings
Vitamin Savings
Save Big on Vitamins
>More Info
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Save up to 75% on hundreds of vitamin products through Swanson Health Products

Vitamins:

  • Savings up to 75%
  • 100% satisfaction guarantee

Categories of Vitamins Include:

Antioxidants Fitness & Energy
C Vitamins Joint Health
Calcium/Bone Health Immune Support
Childrens Health Minerals
Men's Health And Many More!
Womens Health    

Swanson Health Products is committed to bringing members the lowest possible prices on every product they carry. If you find the same product you have purchased from Swanson Health Products advertised by another company at a lower price, Swanson Health Products will not only refund the difference, they will give you double the difference back!

This savings guarantee applies only to products advertised through Swanson’s Health Product published offers
Take an additional 5% off this already deeply discounted vitamin program.

To access this program, Click HERE or go to www.nbbivitamins.com

Health Savings
Medical Bill Negotiation
Save on Your Medical Bills With Our Negotiation Program
Learn More

When you have a medical bill call our medical negotiation team and put them to work, they will confirm charges and help negotiate a reduction in your bill.

The only people that pay top dollar are those that have no advocate.

Let Us Be Your Advocate - Our negotiation team is very experienced in  reducing charges from hospitals and medical providers.

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

Note: There is a % of total claim or medical fee charged of savings to access this service.

 

 

NCE GapAfford Plus
1000 N West Street Suite 1200
Wilmington Delaware, 19801
PHONE: 888-886-1796
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