MDhotline

Feel Better Today. Stay Healthy for Tomorrow.

MDhotline is a nationwide network of medical physicians who provide medical advice and issue non-narcotic prescriptions (when sufficient medical history is available) to expedite hassle-free treatment. MDhotline staffed with licensed, registered nurses to speak to members regarding their medical needs and to arrange consultations with MDhotline Doctors 365 days a year / 24 hours per day / 7 days per week.

How does the MDhotline Program Work?

• Call the Toll Free number.
• A registered nurse verifies your membership in the MDhotline program.
• A registered nurse documents information about your medical history.
• A registered nurse documents your current medical concern.
• Medical information is sent to a licensed doctor in your state of residence.
• A MDhotline Doctor and the nurse who took your medical information will call you back within 3 hours to complete your doctor consultation.
• A MDhotline Doctor can write a prescription when necessary. (No DEA Controlled Substances or Narcotics Allowed)
• A MDhotline Doctor will complete a diagnosis form that will be stored in your Electronic Medical Record for future use.

A few common health conditions treated by MDhotline Doctors:

• Fever / Cough / Sore Throat / Nasal Congestion
• Diabetes / Weight Control
• Ear Ache / Bronchitis
• Allergies

ADDITIONAL BENEFITS - Accident Medical Expense:

🗸This benefit will reimburse Medical Expenses up to benefit maximum if Accidental Bodily Injury causes an Insured Person to first incur Medical Expenses for care and treatment of the Accidental Bodily Injury within 90 days after an Accident. The Benefit Amount for Accident Medical Expense is payable only for Medical Expenses incurred within 52 weeks after the date of the Accident causing the Accidental Bodily Injury. The Benefit Amount is subject to a Deductible. The Deductible will be deducted from any Benefit Amount for Accident Medical Expense that We pay. This Deductible applies separately to each Insured Person and each Accident.

🗸Excess Provision: The Accident Medical Expense benefit is payable on an excess basis. We will determine the Reasonable and Customary Charge for the covered Medical Expense. We will then reduce that amount by amounts already paid or payable by any Other Plan. We will pay the resulting amount less the Deductible. In no event will We pay more than the Maximum Benefit Amount for Accident Medical Expense.

🗸Limitation on Accident Medical Expense

🗸The Benefit Amount for Excess Accident Medical Expense does not apply to charges and services:

•for which an Insured Person has no obligation to pay;

•for any injury where worker's compensation benefits or occupational injury benefits are payable;

•for any injury occurring while fighting, except in self-defense; or

•for treatment that is educational, experimental or investigational in nature or that does not constitute accepted medical practice; or

•for treatment by a person employed or retained by the Policyholder

•for treatment involving conditions caused by repetitive motion injuries, or cumulative trauma and not as the result of an Accidental Bodily Injury.


This insurance applies only to Medically Necessary charges and services.



Discount Benefits Are Not Insurance

VBA Terms and Conditions

1. Member understands that VBA is not an insurance company or program. Accident Benefit Payments are made by the administrator for the insurance company issuing the blanket coverage to Members.

2. VBA provides savings to its members on services through a number of sources. The current list of benefits may be modified through additions or deletions. A quarterly newsletter, posted on our website or sent via e-mail, will keep Members up to date on benefits and other pertinent information.

3. Payments for the VBA Program are due in advance. Payments will be drafted on or about 15 days before the due date. If you choose to cancel your program, it is your responsibility to make sure that your membership card and a written request for cancellation are sent to VBA at least 15 days prior to the anniversary of your effective date in order for your account not to be charged for additional fees.

4. Member hereby appoints, Value Benefits of America (VBA) President, or failing this person, a VBA Director, as proxy holder for and on behalf of the member with the power of substitution to attend, act and vote for and on behalf of the member in respect of all matters that may properly come before the meeting of the members of VBA and at every adjournment thereof, to the same extent and with the same powers as if the undersigned member were present at the said meeting, or any adjournment thereof. Annual meetings are to be held in Arizona the second Tuesday of August.

5. VBA reserves the right to terminate any enrollment or deny eligibility in the program for lack of payment to VBA. Returned checks, insufficient notices on bank drafts or denial by the member's credit card company for payment of the membership fee is deemed to be evidence of non-payment by a member. There will be a $10.00 charge to be reinstated in the program after such denial. If reinstatement for non-payment happens more than once, a $20.00 reinstatement will apply.

6. In the event of any dispute, member agrees to resolve said dispute solely by binding arbitration that shall be governed by the laws of the state of Arizona and enforceable at Scottsdale, Maricopa County.

7. Membership cancelled within the first 30 days of the enrollment date may be eligible for refund if the membership card and written cancellation request are sent to VBA. The administrative fee is not refundable. Approved refunds will be processed approximately 30 days after cancellation.

8. Membership is effective on the 1st of the month following enrollment acceptance by VBA.

Member Agreement:
By signing your enrollment form, Member expresses desire to become a member of Value Benefits of America. Member acknowledges that the discount plans ARE NOT INSURANCE, but membership includes certain limited supplemental insured coverage's. Membership benefits are not a replacement for health insurance coverage nor are they intended as a substitute for health insurance coverage. Membership fees may change for all members, but not individually, with notification.

Billing:
Billing will be processed on approximately the 16th of each month. You may see the transaction on your account from that day to a week later due to electronic processing. Initial billings, second drafts or in the case of a banking error we may bill on days other then the 16th.

Cancellation Request:
Refer to number 7 of VBA Terms & Conditions.