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Optimized Benefits

Sales Perspective

Our brokers have exclusive access to Optimized Benefits, a value added discount card, as a way to differentiate themselves from other brokers when competing for groups who have employees who are either not eligible for insurance or cannot afford insurance.

Optimized Benefits is provided at no cost to the broker or the group. The employee accesses the pharmacy, vision, and fitness programs for free and have an option to purchase the voluntary dental discount card and/or the limited health plan, for which the broker earns a commission. The employee deals directly with the Optimized Benefits call center thus eliminating the need for the broker or group to get involved.

The membership card is branded, "Provided by (broker's name)", to further signify the broker's commitment and value to the group. Optimized Benefits is available to all new business written through Emerson Reid.

Visit the Optimized Benefits Website


What Is Optimized Benefits?

Optimized Benefits is not insurance, but rather a valuable discount program featuring savings and benefits in the categories of pharmacy, vision, fitness, dental and limited health.

All employees are eligible, however, the program is designed to provide the most value to those employees who elect not to purchase insurance. Spouses, children, parents, and retired family members are also eligible to receive discounts provided by Optimized Benefits.

The program is offered at no cost to the company or to the employee, however the voluntary dental & limited health programs do carrier a cost.

What Can Members Save?

Members and their family are eligible for:

Pharmacy: savings of up to 40% on generic drugs and up to 20% on brand name drugs.

Vision: eye examination for as low as $45 and a complete pair of designer eyewear for as little as $98.

Fitness: up to 50% membership dues at over 1,500 clubs with no annual contracts.

Dental: on average, near 50% savings on dental care with fixed scheduled procedure rates (see below).

Limited Health: indemnity based benefits as a lower cost alternative to major medical insurance.

Who Are The Vendors?

Pharmacy by Agelity
The Agelity program boasts the largest pharmacy discount network in the country with well over 53,000 participating pharmacies including just about every major pharmacy chain from CVS to Wal-Mart. Explore actual savings through the drug pricing tool.

Vision by DavisVison
DavisVison leads the industry in innovative vision care solutions designed to meet the unique needs of each client group. For a list of prices on services and materials, view the pricing information.

Fitness by GlobalFit
GlobalFit is a nationwide fitness club network where members save up to 50% off membership dues at over 1,500 locations nationwide, including Gold's Gym, Bally's Fitness, Curves fro Women and other chains as well as independent clubs. Members enjoy these benefits without the burden of annual contracts and with significant savings on monthly fees!

Dental by Patriot Dental
Patriot Dental is the nation's premier multi-tiered dental fee-for-service program, providing quality dental care for valued members. An annual exam and x-rays are at no charge at selecting participating providers in conjunction with a paid annual cleaning. Fixed scheduled procedure rates are on the average near 50% savings on dental care as compared to American Dental Associations surveys of usual and customary fees. This is a voluntary program and does carry a membership fee.

Individual: $12.99/monthly or $129.99/annually.
Family: $17.33/monthly or $173.33/annually.

 

Limited Health by Patriot Dental
The Limited Health plan is a voluntary buy up option for Optimized Benefits members. It is not insurance, however it is a lower cost alternative to major medical insurance. Limited Health Brochure

These plans are mostly indemnity based, meaning the benefits are usually a specific amount. For example, the plan may pay $50 for a doctor's visit and $500 a night in the hosptial.

Limited Health plans are not designed to replace major medical plans. They are are designed for the hourly wage worker as well as individuals who may not have access to a traditional medical plan.

 

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