Our membership programs encompass all aspects of healthcare, including physicians, hospitals, prescription drugs, vision care, hearing aids, chiropractic services, 24-hour nurseline, medical supplies and equipment, and Aetna Dental Access®. We offer our programs as a national discount healthcare savings company called Xpress Healthcare. Our membership cards provide our members with access to healthcare providers all throughout the country.
We sell our Xpress Healthcare membership programs directly and indirectly through a variety of marketing and distribution partners. We also offer features to encourage potential members to try out our membership programs, including refund guarantees and “trial” periods of free or discounted membership. Healthcare products and services are bundled, priced and marketed utilizing relationship marketing strategies to target the profiled needs of our customers. The discounted prices paid by our members typically range from 20% to 50% off providers’ usual and customary fees. These discounts are designed to save the individual substantially more than the cost of the program itself.
Xpress Healthcare membership programs are not insurance. There is no undertaking by us to pay a portion of any fee for services or prescriptions purchased using our membership cards. Rather, our membership programs provide consumers with access to healthcare providers who, through their affiliations with PPOs, have agreed in advance to honor our membership cards and accept the discounted fees set by the PPOs. Our membership programs require members to pay the provider at the time of service, thereby eliminating the need to file any insurance claims. Xpress Healthcare members simply present their membership card to the participating provider at the time of the service to receive the discounted price.
