PowerPoint presentation to assist members of the Association of Retired Americans in using their benefit package.

1. ASSOCIATION OF RETIRED
AMERICANS
How to use the
Member Guide

2. Who is ARA?
 A national not-for-profit dedicated to saving money
for seniors and improving seniors’ lives since 1975
 Anyone over 18 can join. Members under 45 years old
are associate members and may not vote on
Association Issues, or participate in age-restricted
programs.
 Great discounts on dental, vision, Rx, travel and more.

3. Things to Remember
 The discount benefits included as part of your ARA
membership are not insurance.
 To receive the discounted price, you can only go to
providers that are in the program.
 There are no papers to file. You pay for the service at the
time it is rendered.
 There are multiple cards included in the member kit. You
need to use specific cards for specific benefits. The
member guide specifically explains what to use and how to
use it.

4. Basic Plan
 To use the majority of the healthcare savings in the
basic membership, you will need to present your
Enhanced Benefits Card (or the EBC Card). This is
included in the ARA member kit and is separate from
the ARA member card.
 This card is a 8 ½ x 11 piece of paper that has
“Enhanced Benefits eMembership Card” written at
the top.

5. Prescription Drugs
Mail Order
 Provided through JanDrugs
 Worldwide at home delivery service with savings up to 70%
on brand name and generic medications.
 When visiting your doctor and getting your new
prescription, check to see if you can substitute generics for
the brand name medication. There are many medicines
that do not have generics available in the US but generics
may be available on the worldwide market.
 To check drug prices, call 1-877-257-4440 or visit
http://jandrugs.pharmacywire.com.
 Information on page 7 of your ARA member guide.

6. Prescription Drugs
Mail Order (Con’t)
 How to Use:
1. Visit your doctor and get a new prescription. If you are able to
substitute generic drugs, make sure the prescription is filled
out that way.
2. Call 1-877-257-4440 from 8:30 am – 8:00 pm (EST) M-F to order
your prescriptions.
3. The first time you will have to set up your account. You are
not in their system until you do this.
4. Order and pay for your prescriptions.
5. When you order, make sure you mention coupon code “ARA”

7. Prescription Drugs
Local Pharmacy
 Discounts administered by WellDyneRx
 AVERAGE savings of over 35% (based upon 2010 sales
records) at more than 58,000 participating pharmacies
nationwide.
 Not only can you receive your discount at the participating
pharmacies, but you may receive additional savings
through the WellDyneRx mail order program. The mail
order form is available at www.theEBCcard.com/Rx, then
click on forms.
 Information is on page 6 of your ARA member guide.

8. Prescription Drugs
Local Pharmacy (Con’t)
 How to Use:
1. To select a participating pharmacy in your area, call 1-800-
309-8237 or visit www.theEBCcard.com/Rx.
2. To get price quotes, call 1-800-309-8237.
3. Have your doctor call in your prescription to the
pharmacy or you can present the prescription to any
participating pharmacy.
4. Show your EBC eMembership Card to the pharmacist
who will verify your eligibility. You pay only the special
discounted price.

9. Dental
 Discounts are offered through DenteMax
 20-40% typical savings at over 100,00 dental locations.
 Each family member can choose his or her own in-network dentist.
 Information located on page 2 and 3 of your ARA member guide.
 How to Use:
1. Find a provider by calling 1-800-309-8237 or visit
www.theEBCcard.com/Dental.
2. When making an appointment, identify yourself as a member of
EBC Value Card/DenteMax. You must show your EBC
eMembership Card at the time of your visit.
3. Pay the provider at the time service is rendered.

10. Vision
 Discounts are offered through EyeBenefits
 10-20% off eye exams; 15-30% off frames and lenses
 Discounts available at over 2,200 independent optical locations.
 Information located on page 4 of your ARA member guide.
 How to Use:
1. Visit www.theEBCcard.com/Vision for a complete list of
participating providers. If you don’t have internet access, you
can call 1-800-309-8237.
2. Present your EBC eMembership Card at your appointment to
receive the discounted price.
3. Pay vision provider at the time the service is rendered.

11. Lasik
 Discounts offered at over 850 QualSight locations worldwide.
 Savings of 40-50% off national average cost of LASIK procedures.
 Information on page 4 of your ARA member guide.
 How to Use:
1. Visit www.theEBCcard.com/Vision for a complete list of LASIK
providers or call 1-888-582-6697.
2. Identify yourself as an EBC Card Member and tell them your
group name is ARA.
3. Present your EBC eMembership Card at your appointment to
receive the discounted price.

12. Hearing
 Discounts available through Epic Hearing.
 Savings of 35-65% on hearing aids and products to protect
and improve your hearing.
 Information on page 5 of your ARA member guide.
 How to Use:
1. To locate a provider, call 1-866-956-5400 or go online to
www.theEBCcard.com/Hearing.
2. Tell the EPIC representative that you are an EBC Card
Member and they will assist you in locating a nearby
provider and will assist you with the introductions.

13. Diabetic Supplies
 Provided through DSMI, Diabetes Supplies and
Monitoring.
 Savings of 15-48%
 Information on page 8 of your ARA member guide.
 How to Use:
To order supplies call 1-888-446-3246 or visit
www.theEBCcard.com/Diabetic.

14. Chiropractic
 Provided through the Align Network.
 Savings of 25-30% at over 17,000 participating Chiropractic
doctor locations.
 Information on page 8 of your ARA member guide.
 How to Use:
1. Visit www.theEBCcard.com/Chiropractic for more details.
2. To locate a participating provider and schedule an
appointment, call 1-877-592-5446.
3. When scheduling an appointment, you must identify yourself
as an EBC Card Member.
4. Pay provider at the time service is rendered.

15. Lab Tests
 Provided through Galaxy Health Network.
 Save 10-70% off usual charges for blood tests and other lab testing.
 All tests performed by nationally recognized certified laboratories and are
reviewed by certified medical professionals.
 No physician referral or prescription needed.
 Information on page 9 or your ARA member guide.
 How to Use:
1. To locate lab and order a test, call 1-877-849-5227 or visit
www.theEBCcard.com/Lab. Be sure to identify yourself as an EBC Card
member.
2. Pay for the test at the time you order it.
3. Visit the lab and have your test done. Receive your results within 48
hours.

16. X-Rays/Imaging
 Provided by Galaxy Health Network.
 Save 10-80% on advanced diagnostic imaging procedures such as
MRI and CT scans.
 Access to over 2,900 radiology centers nationwide.
 Information on page 9 of your ARA member guide.
 How to Use:
1. Visit www.theEBCcard.com/Imaging for more information.
2. To locate a participating provider and schedule your
appointment, call 1-877-814-2461.
3. When scheduling an appointment, you must identify yourself
as an EBC Card member.

17. Pet Insurance
 Provided through VPI Pet Insurance.
 Receive a 5% member discount on your premium.
 Cover available for dogs, cats, birds and exotic pets.
 Covers routine care, accidents, emergencies and illnesses. Some
exclusions exist.
 Visit any licensed veterinarian, anytime, anywhere.
 Multiple-pet discounts are available.
 Information on page 10 of your ARA member guide.
 How to Use:
1. Call 1-877-738-7874 (877-PETS-VPI).
2. Identify yourself as an ARA member to ensure you receive your 5%
discount.

18. Hotels at Half Price
 ITC-50 Discount Program
 Save 50% off the standard non-discounted room rate at over
4,300 Hotels and Resorts worldwide.
 Information on page 11 of your ARA member guide.
 How to Use:
1. Call the hotel directly using the number provided in your Hotels
at Half Price directory.
2. When making reservation, tell reservationist you have the ITC-
50 discount and write down the confirmation number of your
reservation.
3. When checking in, present your ARA membership card which
displays the ITC-50 logo.

19. Choice Hotels
 Save 10% when staying at any one of the 5,800 Choice Hotels®
locations worldwide.
 Advanced reservations are required. Discount subject to
availability at participating hotels and cannot be combined with
any other offer or promotion.
 Information on page 12 of your ARA member guide.
 How to Use:
Call 1-800-424-6423 and quote the discount code shown on
the back of your ARA Member ID card or visit
www.choicehotels.com and enter your discount code in
the “Special Rate ID” field.

20. Collette Vacations
 Collette Vacations offers tours to all 7 continents led by
expert guides.
 Tours feature many included meals, choice
accommodations and activities that capture the spirit of
your destination.
 No Worries Travel Protection Plan available just in case you
have to cancel.
 Information on page 13 of your ARA member guide.
 How to Use:
Call 1-800-806-6160 or visit www.ARAcares.com for more
information.

21. CondoDirect
 Choose from hundreds of available resorts worldwide.
 ARA members receive an additional $25 off already
discounted rates.
 Advance reservations required. Must use discount ID code
and show your ARA Member ID card to receive discount.
 Information on page 14 of your ARA member guide.
 How to Use:
1. Call 1-888-988-8222 and talk to a representative. Mention
the code “Vintage Times” to receive the $25 discount
2. Or visit www.CondoDirect.com. When booking, enter the
coupon code “vintagetimes” to receive the discount.

22. Car Rental
 Discounts of up to 25% off Alamo, Avis, Hertz, National
and Budget car rentals.
 Call the car company directly or visit your travel agent
to make reservations.
 Advanced reservations are required.
 Be sure to use the discount ID codes listed on your
ARA Member ID card.
 Information on page 15 or your member guide.

23. Car Rental (Con’t)
 How to Use:
1. Call the car rental company by dialing their toll-free number or
contact your local travel agent for reservations.
2. Use the discount ID code listed below and on your ARA
Member ID Card to receive your member discount.
• Hertz- 1-800-654-2210 Discount ID #0346772
• National- 1-800-227-7368 Discount ID #5007881
• Budget- 1-800-455-2848 Discount ID (BCD#) #Z861500
• Alamo- 1-800-354-2322 Discount ID #7013525
• Avis- 1-800-831-8000 (USA) or 1-800-879-2847 (Canada)
Discount ID (AWD#) #B408100

24. Flowers
 Savings of 15% from 1-800-flowers.com
 Order flowers, plants, gourmet & specialty baskets, balloons,
confectioneries, home & garden merchandise and much more.
 Subject to availability. Offers cannot be combined, not available on
all products and are subject to restrictions and blackout periods.
 Information on page 16 of your ARA member guide.
 How to Use:
1. Call 1-888-755-7474 or shop online at www.1800flowers.com.
2. Use the ARA promotion code “75X” to receive your 15% discount.
Pay for your order with any major credit card.
3. Be prepared to provide the name, address and phone number of
the recipient of the gift.

25. Online Shopping
 Receive up to 30% cash back when shopping online
through GreenbackStreet.com
 More than 1,100 retailers in program such as Target,
JCPenney, OfficeMax, The Apple Store and many more!
 Sign up for free, start shopping and get CASH BACK!
 Information on page 17 in ARA member guide.
 How to Use:
Log onto www.greenbackstreet.com/ara2005 and sign up.

26. Ultimate Plan
 ARA and Careington International have partnered
together to offer a new comprehensive discount
program-The Careington Ultimate Discount Plan.
 When you sign up for the Ultimate Plan, you will
receive a welcome package from Careington
International which includes your Careington Member
Cards. This package is in addition to your ARA
Member Kit.

27. Careington POS Dental
 Average annual savings of $1,200 per family on dental
work.
 Save on most dental procedures including routine oral
exams, unlimited cleanings and major work such as
dentures, root canals and crowns.
 5% to 20% savings on orthodontics for children and adults.
 Cosmetic dentistry such as bonding and veneers also
included.
 No limit on use.
 Information on pages 20 and 21 in your ARA member
guide.

28. Careington POS Dental (Con’t)
 How to Use:
1. To locate a participating provider, go to www.careington.com
to access the online provider search or call 1-800-290-0523.
2. When doing the provider search, remember that you have the
POS plan. This search will list all providers with all types of
plans. Make sure you pick a dentist that accepts the POS plan.
This is found in the 2nd column under the providers specialty.
3. Call to make an appointment with the participating provider.
4. You must show your Careington Member ID Card at the time
of the visit to receive the discount.
5. Payment is due at the time the service is rendered.

29. Vision- VSP Choice Access
 Savings of 15-35% off eye exams, frames, lenses and
contact lens.
 The VSP Provider Network includes over 34,000
participating providers nationwide.
 This product is not available in MT and VT.
 Information on page 22 and 23 of your ARA member
guide.

30. Vision- VSP Choice Access
 How to Use:
1. To locate a participating VSP doctor, visit
www.careington.com/choiceaccess or call
1-800-290-0523.
2. Show your Careington Member ID Card at the time
of your visit to receive your discount.
3. Payment is due at the time service is rendered.

31. HearPO
 Savings of 20-25% on hearing aids, as well as discounts off of
diagnostic services which include hearing exams and batteries.
 Over 2,100 provider locations.
 Lowest Price Guarantee- should you find a lower price at another
local provider, we will gladly beat that price by 5%. Competitor
coupon required. Limited to manufacturers offered through the
HearPO program. Only local provider quotes will be matched.
 Comprehensive follow-up services at no charge for one year.
 60-day trial period with 100% money-back guarantee.
 Information on page 30 in your ARA member guide.

32. HearPO (Con’t)
 How to Use:
1. Please call 1-888-HEARING (1-888-432-7464) and a Client
Service Representative will assist you in finding a hearing
care provider near you. Or visit www.hearpo.com.
2. Your HearPO representative will explain the HearPO
process, obtain mailing information and assist you in
making an appointment with the hearing care provider.
3. Hear PO will send an authorization packet to you and the
provider prior to your appointment. This will ensure your
HearPO benefit is activated.
4. Payment is due at time of service is rendered.

33. Podiatry Savings- The Podiatry Plan
 The Podiatry Plan provides consumers with the
opportunity to receive savings on top-quality services from
America’s leading podiatric physicians through the
American Footcare Network, a division of Healthcare
Networks of America, LLC.
 The podiatric physicians offered to our members are
trained to meet patient foot and ankle care needs at
reduced rates. Membership in the Podiatry Plan entitles
members to a 50% savings on the provider’s fee for the
initial exam and 20% savings on fees for all other services
and products.

34. The Podiatry Plan (Con’t)
Key Features of HNA Podiatry Network*:
 Top quality, discounted services from 3,500 of America’s leading
podiatric physicians.
 Initial exam and consultation includes complete gait analysis, x-
ray, neurological exam and vascular exam.
 Treatment programs for heel pain, bunions, hammertoes,
ingrown toenails, diabetes, arch pain, arthritis, orthotics, and
other foot and ankle problems.
 *The Podiatry Plan savings cannot be used in conjuncture with
any other discount plan but may be used in coordination with
some insurance plans.

35. The Podiatry Plan (Con’t)
 How to Use:
1. Present your Careington membership card to
receive a 50% discount on the provider’s normal
exam fee and a 20% discount on the provider’s
normal fee for all other services and products.
2. To locate participating providers and for more
information, call toll-free 1-800-290-0523.
*This product is not available in MA.

36. Health Care Mediation
 HealthCare Mediation has a team of very experienced
medical bill negotiation professionals. They have the
skills and resources to motivate the member’s
medical service providers to significantly reduce
payments for their past procedures.
 Members will receive reductions on medical bills
without having adverse affect on their credit.
 Financing is available for those who qualify.

37. Health Care Mediation (Con’t)
 When a discount is obtained, the total amount the
member will owe is reduced even when they include
the HealthCare Mediation’s fee.
 The members may contact HealthCare Mediation
before they seek medical services, or after they have
been treated and now have a medical bill.
 HealthCare Mediation can also work on the members
behalf if their bills have been sent to collections.

38. Health Care Mediation (Con’t)
Featured services include:
 Members can receive savings from 20% to 40% on their medical bills.
 Once the provider signs the final payment agreement, the case is
then considered complete.
 If a savings is not received, there is no charge for the service.
 Will work directly with collection companies.
 A refundable deposit up to a maximum of $250 may be required.
 No minimum bill requirements.
 Patient Advocates working on the members behalf.
 And many more . . . . . . . . . . .

39. Health Care Mediation (Con’t)
 How to Use:
1. Organize all medical bills.
2. Contact HealthCare Mediation at 1-888-916-9463 or visit
online at www.caremediation.com and speak with a
representative through a live chat feature.
3. The members will explain to the representative their
medical bill situation.
4. Members will complete the form available online, or the
representative will send one to the member.

40. Health Care Mediation (Con’t)
 How to Use (Con’t):
5. Members will send the form and their medical bills to
HealthCare Mediation.
6. Once the member’s documents are received, HealthCare
Mediation will work to get a reduction on their medical
bills (typically takes up to 5 business days).
7. A new statement showing how much the member will
owe is provided to them at the conclusion of each
settlement.

41. Diabetic Supplies
 Discounts available through Better Living Now.
 20-30% off the retail price of durable medical equipment.
 20-40% off the retail price of disposable medical supplies.
 20-25% off the retail price of nutritional supplements and
daily living aids.
 Members can receive up to a 90-day supply, and Better
Living Now’s care coordinators will send a replacement
notification before supplies run out.

42. Diabetic Supplies (Con’t)
 No shipping charges on orders over $100.
 Most products come with a 30-day 100% satisfaction
guarantee. Some products have restrictions or cannot be
returned.
 Information on pages 28 and 29 of your ARA member
guide.
 How to Use:
1. Call 1-800-833-0735 to order supplies between 8:00 am –
10:00 pm CST M-F and 9:00 am – 10:00 pm Saturday and
Sunday.
2. Payment is due at time of order.

43. Vitamin and Nutritional Supplement
 Swanson Health Products sells vitamins and supplements,
organic foods, natural skincare products, homeopathic
remedies and more.
 10% discount on all products.
 Swanson will match the price of a product if the customer
finds a lower price at another merchant.
 $4.99 flat-rate shipping within 48 contiguous states.
 100% Money-Back Guarantee
 Customer service is available 24 hrs. a day/7 days a week.

44. Vitamin and Nutritional Supplement
(Con’t)
 Swanson Health Products offer discounts on products
related to :
* Blood Pressure * Blood Sugar * Cholesterol
* Calcium and Bone Health * Cardiovascular Health
* Immune Support * Digestive Health and Fiber
* Fitness and Energy * Memory and Brain Support
* Mood and Emotional Health *Herbs *Joint Health
* Stress Relief and Sleep * Homeopathic Remedies

45. Vitamin and Nutritional Supplement
(Con’t)
 How to Use:
1. To access the site, please visit www.swansonvitamins.com.
2. Shop on the site and fill your shopping cart. When you are
finished, click “Checkout”, and enter the promo code CARE725
where it says “Do you have a promo code?” under the
checkout button to receive the additional 10% off.
3. Customer care agents can be reached seven days a week at
1-800-437-4148, via email to
customercare@swansonvitamins.com, or accessed through
live chat at www.swansonvitamins.com.

46. Pet Medication
Health Matters International
 Health Matters International (HMI) focuses on providing a
solution to the rising cost of prescription medications and other
supplies for pets.
 Members can be assured they are getting safe, quality products
that protect the health and well being of their pets.
 20% to 70% savings on retail prices.
 Popular Name Brand items.
 Medications from FDA approved sources.
 30 to 90 day supply of medication delivered to your door.

47. Pet Medication (Con’t)
 How to Use:
1. To order by phone, please call 1-866-205-8855, Monday through
Friday, 8:30 am to 4:30 pm MST. Member must use the promo
code to receive discount.
2. To order pet products online, please visit www.hmi-
care.com/carepets.
3. Register as a new user.
4. Search for the product you wish to order.
5. Add items to your cart using the “+”.
6. Click on the check out link and follow the instructions to complete
order.

48. Welcome and Enjoy!
Thank you for choosing membership with
The Association of Retired Americans.
If you have any questions, feel free to contact us:
1-800-806-6160
Monday-Friday 8:00 am – 4:00 pm EST
www.aracares.com