DISCOUNT MEDICAL BENEFITS
HEARING (INCLUDING SPORTEAR) -
RETAIL & MAIL ORDER PHARMACY -
TELADOC™ CROSS COVERAGE CONSULTATION -
TRAVEL ASSISTANCE -
VISION-
INSURED ACCIDENT BENEFITS
$25,000 AD&D -
LIFESTYLE INSURANCE PROTECTOR -
LIFESTYLE BENEFITS
CONDO PROGRAM -
HOTEL PROGRAM -

MEMBER ONLY -
MEMBER & FAMILY -

Click here to view Disclosures

The OSC membership in CDAoA and American Advantage Association includes insurance and Discount Medical Benefits. Discount Medical Benefits are NOT basic health insurance.

THIS OFFER INCLUDES DISCOUNTS AND/OR SERVICES PLUS ADDED LIMITED INSURANCE.

HEARING

Enjoy access to a variety of hearing programs providing hearing aid discounts of 15% to 58% in retail locations nationwide and discounts of 40% to 60% through the mail order program.

Retail Hearing Aids

Members may select from 1,350 Beltone locations nationwide to receive a free hearing screening and 15% off over 70 models of Beltone Hearing Aids. All technologies and models are available including state of the art digital hearing aids, along with Completely-In-the-Canal, In-the Ear and Behind-the-Ear models. BelCare™ standardized 12 point customer service program ensures consistent delivery of professional and comfortable service, regardless of location.

Mail Order Hearing Aids

* Save 40% to 60% off average National Retail Pricing on over 100 models of name brand hearing instruments.
* Receive the lowest price available.
* 45-day in-home trial period and one full year factory warranty

Any make/model hearing aid less than five years old may be repaired with a six month warranty for just $90.00 or with a 12-month warranty for just $115.00 (digital or analog programmable aids are slightly more, depending upon model). Back to Top

RETAIL PHARMACY

The neighborhood pharmacy program assures members the lowest price on prescription drugs, saving 10% to 60% on most prescriptions.

It's simple to use. The member simply presents the membership card to the pharmacist with the prescription. The pharmacist calculates the discount and the member pays the discounted price. No other forms required.

Highlights

* 10% to 60% savings on most medications.
* Over 60,000 national and regional pharmacy chains participate as well as independent pharmacies.
* No pharmacy program is complete unless it includes both retail locations where members may fill acute care medications and a mail order program so members may optimize their savings by purchasing maintenance prescriptions in 90 day supplies to treat ongoing ailments.
* Do not call the pharmacy for price quotes. Prices may change from day to day and they cannot be given over the telephone. Visit www.rxpricequotes.com to look up drug prices by location.

**Pharmacy Discounts are Not Insurance and are Not Intended as a Substitute for Insurance.

The discount is only available at participating pharmacies. Back to Top

TELADOC™

TelaDoc is a national network of board certified physicians providing cross coverage consultations 24 hours a day, 365 days a year. TelaDoc physicians use electronic health records (EHRs) and telephone consultations to diagnose, recommend treatment and write short-term non-DEA controlled prescriptions, when appropriate. TelaDoc does not replace the existing primary care physician relationship but instead enhances it with an efficient, cost-effective alternative for minor medical problems.

TelaDoc Benefits

* Physicians available anytime, anywhere, 24/7/365
* Speak to a physician in most cases inless than 30 minutes, but within 3 hours guaranteed
* Physician reviews and updates health record when performing a medical consultation
* Secure, personal and portable electronic health records

Call TelaDoc:

* When your primary care physician is not available
* After normal hours of operation
* For non-emergency medical care
* When on vacation or a business trip

TelaDoc treats conditions like:

* Sinus Infections
* Respiratory Conditions
* Urinary Tract Infections
* Allergies
* Bronchitis
* Poison Ivy
* Pink Eye
* Cold or Flu

Disclaimers

TelaDoc does not replace the primary care physician. TelaDoc is not available in Oklahoma. TelaDoc does not guarantee that a prescription will be written and operates subject to state regulations. TelaDoc does not prescribe DEA controlled substances. TelaDoc physicians reserve the right to deny care for potential misuse of services. All rights reserved © TelaDoc, Inc. 2009. Back to Top

TRAVEL ASSISTANCE

Members have access to a global network of practicing physicians, travel assistance personnel and emergency evacuation benefits when traveling 100 miles from home and suffering a serious injury or illness. Knowing help is merely a phone call away provides members with peace of mind.

Some of these services include:

* Emergency medical evacuation
* Repatriation of mortal remains
* Transportation to join a hospitalized family member
* Return of dependent children
* Pre-travel information
* Monitoring of treatment worldwide
* Medical and dental referrals
* Facilitation of hospital payment
* Transfer of insurance information to medical providers
* Replacement of lost or stolen travel documents
* Legal referrals
* Medication, vaccine and blood transfers
* Transfer of funds
* Translation services
* Real-time security intelligence

A complete list of services, exclusions and limitations is available to all members.

*Plans not available to FL, OR, VT, & WA residents. Back to Top

VISION

Coast to Coast (CTC) Vision has contracted with over 12,000 eyecare locations nationwide. Members save on eyeglasses, contacts, eye exams and surgical procedures.

The CTC provider network is the most comprehensive in the U.S. and includes ophthalmologists, optometrists, independent optical centers and national chain locations such as Pearle Vision, JCPenney Optical, Sears Optical, Target Optical, LensCrafters, and EyeMasters.

Highlights

* Savings of 20% to 60% on prescription eyewear.
* Also, save 10% to 20% on contact lenses (excluding disposables) at participating retail locations.
* Savings of 10% to 30% on eye exams.
* Save 40% to 50% off the overall national average on LASIK surgery (PRK and CK available at select locations).
* Most frames, lenses and specialty items such as tints, coatings and UV protection are available.
* No limit on the number of times membership may be used during the year.
* Two guarantees - 30 day unconditional money-back satisfaction guarantee and low price guarantee on eyeglasses
* Members may nominate their own eye care professional to join the network.

Vision Benefit is not available to VT residents. Back to Top

25,000 ACCIDENTAL DEATH & DISMEMBERMENT

Principal Sum: $25,000

No loss will be covered if it occurs more than 365 days after the date of the covered accident.

If, within 1-year from the date of an Accident covered by this Certificate, Injury from such Accident, results in Loss listed below, we will pay the percentage of the Principal Sum set opposite the loss in the table below. If the Covered Person sustains more than one such Loss as the result of one Accident, we will pay only one amount, the largest to which he is entitled. This amount will not exceed the Principal Sum which applies for the Covered Person.

Loss of a hand or foot means complete Severance through or above the wrist or ankle joint.

Loss of sight means the total, permanent loss of sight of the eye. The loss of sight must be irrecoverable by natural, surgical or artificial means.

Loss of speech means total, permanent and irrecoverable loss of audible communication.

Loss of hearing means total and permanent loss of hearing in both ears which cannot be corrected by any means.

Loss of a thumb and index finger means complete Severance through or above the metacarpophalangeal joints (the joints between the fingers and the hand).

"Severance" means the complete separation and dismemberment of the part from the body.

This benefit is underwritten by United States Fire Insurance Company and subject to the terms, definitions, conditions, exclusions and limitations of the group policy. Benefit reduces at age 70 and after. To see the age reduction schedule and exclusions click here. Back to Top

LIFESTYLE INSURANCE PROTECTOR

* Accidental Death Benefit $1,000 ($500 for Spouse)
If Injury to You results in death within 90 days of the accident that caused the Injury the Company will pay the Accidental Death Benefit Maximum Amount shown in the Benefit Schedule.

* Permanent Total Disability Benefit
- Short Term Benefit1 - $5,000 ($2,500 for Spouse)

- Long Term Benefit2 - $10,000 ($5,000 for Spouse)

[PERMANENTLY TOTALLY DISABLED/PERMANENT TOTAL DISABILITY means:

1. That the Insured Person suffered any of the following:

1. loss of both hands or feet; or
2. loss of one hand and one foot; or
3. loss of speech and hearing in both ears; or
4. Hemiplegia; or
5. Paraplegia; or
6. Quadriplegia;

2. The Insured Person is permanently unable to perform the material and substantial duties of any occupation for which the Insured Person is qualified by reason of education, experience or training;

3.The Insured Person requires the supervision of a Physician, unless the maximum point of recovery has been reached.

"Loss of a hand or foot" means complete severance through or above the wrist or ankle joint.

"Hemiplegia" means the complete and irreversible paralysis of the upper and lower Limbs of the same side of the body.

"Limb(s)" means entire arm or entire leg.

"Paraplegia" means the complete and irreversible paralysis of both lower Limbs.

"Quadriplegia" means the complete and irreversible paralysis of both upper and both lower Limbs.]

These insurance benefits are underwritten by National Union Fire Insurance Company of Pittsburgh, P.A. and are subject to the exclusions , limitations, terms and conditions of coverage as set forth in the description of coverage provided in your membership materials and insurance policy SRG9115152 issued to American Advantage Association. Benefits are not payable in connection with a Pre-Existing Condition during the initial 24 consecutive months the Insured Person has been enrolled for coverage, including any waiting period for coverage eligibility. All payable Maximum Amounts specified herein will be reduced 50% if You are age 70, or older, on the date of the accident for which benefits are payable.
1 - If, as a result of an Injury, You are rendered Permanently Totally Disabled within 90 days of the accident that caused the Injury, and if the Permanent Total Disability due to that Injury continues for the Short Term Waiting Period specified in the Benefit Schedule, the Company will pay a monthly benefit equal to the Permanent Total Disability Short Term Benefit Maximum shown in the Benefit Schedule starting with the 1st consecutive month of Short Term Permanent Total Disability following the Waiting Period.
2 - If as a result of an Injury, You are rendered Permanently Totally Disabled within 90 days of the accident that caused the Injury, and if the Permanent Total Disability due to that Injury continues for the Long Term Waiting Period specified in the Benefit Schedule, the Company will pay a monthly benefit equal to the Permanent Total Disability Long Term Benefit Maximum shown in the Benefit Schedule starting with the 1st consecutive month of Long Term Permanent Total Disability following the Waiting Period. Back to Top

CONDO PROGRAM

Why settle for an ordinary hotel room, when there are vacation condo rentals available at discount rates through the Condo Program? From cozy condos to 14-bedroom homes, the Condo Program can accommodate members with extra space and added comfort. The Condo Program offers preferred rates at thousands of properties both in the U.S. and internationally.

* Save up to 80% on resort condo accommodations listed on the website. Back to Top

HOTEL PROGRAM

From a weekend getaway to an extended European vacation, the hotel savings program will save members up to 50%. Participating national chains include Amerihost, Comfort Inn and Suites, Howard Johnson and Best Western. Back to Top

DISCLOSURES:

Discount Medical Plan Organization:
New Benefits, Ltd.
Attn: Compliance Department
PO Box 671309
Dallas TX 75367-1309
800-800-7616

This plan is NOT insurance. This 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 those healthcare providers who have contracted with the discount plan organization. This plan provides discounts at certain healthcare providers for medical services.

This discount card program contains a 30 day cancellation period. FL, LA, ND, OK, SC, SD and TX residents: Member shall receive a full refund of membership fees, excluding registration fee, if membership is cancelled within the first 30 days after the effective date. AR and TN residents: A refund of all fees will be issued if membership is cancelled within the first 30 days. MD Residents: The membership fee and one-time registration fee (minus $5.00) will be refunded if cancelled within the first 30 days and upon return of the discount card. The range of discounts for medical or ancillary services provided under the plan will vary depending on the type of provider and medical or ancillary service received. The discount medical card program makes available, before purchase and upon request, a list of program providers, including the name, city, state, and specialty of each program provider located in the cardholder's service area.

Internet website address to obtain participating providers is home.locateproviders.com. Back to Top

AGE BASED REDUCTIONS

 Benefits will not be paid for a Covered Person's loss which:

(1) Is caused by or results from the Covered Person’s own:
a. Intentional self-inflicted Injury, suicide or any attempt thereat;
b. Voluntary self-administration of any drug or chemical substance not prescribed by, and taken according to the directions of a doctor (Accidental ingestion of a poisonous substance is not excluded.);
c. Commission or attempt to commit a felony;
d. Participation in a riot or insurrection;
e. Driving under the influence of a controlled substance unless administered on the advice of a doctor; or
f. Driving while Intoxicated.  “Intoxicated” will have the meaning determined by the laws in the jurisdiction of the geographical area where the loss occurs;
(2) Is caused by or results from:
a. The Covered Person being Intoxicated. (“Intoxicated” will have the meaning determined by the laws in the jurisdiction of the geographical area where the loss occurs); or
b. Any narcotic, drug, poison, gas or fumes voluntarily taken, administered, absorbed or inhaled, unless prescribed by a doctor;
c. Declared or undeclared war or act of war;
d. Injury sustained while in the service of the armed forces of any country.  When the Covered Person enters the armed forces of any country, we will refund the unearned pro rata premium upon request;
e. Aviation, except as specifically provided in this Policy;
f. An Injury that is caused by flight in:
i. An aircraft, except as a fare-paying passenger;
ii. A space craft or any craft designed for navigation above or beyond the earth's atmosphere; or
iii. An ultra light, hang-gliding, parachuting or bungi-cord jumping;
(3) Travel in or upon:
a. A snowmobile;
b. Any two or three wheeled motor vehicle;
c. Any off-road motorized vehicle not requiring licensing as a motor vehicle
(4) Sickness, disease, bodily or mental infirmity or medical or surgical treatment thereof, bacterial or viral infection, regardless of how contracted.  This does not include bacterial infection that is the natural and foreseeable result of an accidental external bodily injury or accidental food poisoning;
(5)  Services or treatment rendered by a doctor, nurse or any other person who is: 
a. Employed or retained by the Policyholder; or
b. Who is the Covered Person or a member of his immediate family;
(6) Elective treatment or surgery, health treatment, or examination where no Injury is involved;
(7) Cosmetic surgery, except for reconstructive surgery on an injured part of the body;
(8) That part of medical expense payable by any automobile insurance policy without regard to fault. (Does not apply in any state where prohibited);
(9) Any loss which is covered by state or federal worker's compensation, employers liability, occupational disease law, or similar laws;
(10) Hernia of any kind; or any bacterial infection that was not caused by an Accidental cut or wound.
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