REAOC

Dental PPO - Ameritas

The freedom to choose any dentist is what you’re looking for and this comprehensive Ameritas PPO dental plan gives you that freedom. This comprehensive plan covers over 360 procedures, from the routine preventative care to the major, including crowns, dentures, and implants. Whatever your dental needs, this plan has you covered!

A robust $1,500 calendar year benefit is provided for each covered member. Coverage is available for the retiree/Association member individually. You may also add coverage for your spouse or domestic partner, and your dependent children up to age 26. Coverage is also available to children age 26 and older if they are permanently disabled and the member lists them as a dependent on their tax return.

This plan has a unique Dental Rewards^® benefit that provides members with additional “banked funds” to use. Any member or dependent who use less than $750 of their annual benefit will automatically have additional funds deposited toward their calendar year maximum in future years.

As an added benefit, members who visit the dentist at least once during the year will have their Basic Services Network benefit level increased by 5% the following year – up to 85% maximum.

Ameritas has the largest dental network nationwide. There are over 325,000 providers to help ensure that you have access to quality dental care at deeply discounted prices. Ameritas has a well earned reputation of having some of the best Network Provider discounts in the industry. Additionally, many Ameritas providers have agreed to extend deep discounts on non-covered procedures, such as cosmetic procedures like teeth whitening.

Search for Network providers in your area at: http://ameritas-dental.prismisp.com/

Dental HMO - Cigna

Extremely low out-of-pocket costs with comprehensive coverage is what you’re looking for and this Cigna HMO dental plan gives that to you. This comprehensive plan covers over 380 procedures, from the routine preventative care to the major, including crowns, dentures, and implants, all at extremely low co-pays.

Coverage is available for the retiree/Association member individually. You may also add coverage for your spouse or domestic partner, and your dependent children up to age 26. Coverage is also available to children age 26 and older if they are permanently disabled and the member lists them as a dependent on their tax return.

No set calendar year dollar benefit maximum. Whether you only need routine cleanings or you need several crowns and a implant, the coverage will be there for you.

No surprises as there are set co-pays for every covered procedure. You’ll know up front exactly what everything will cost. Your dentist may never charge more than the agreed upon co-pay. Additionally, many Cigna providers have agreed to extend deep discounts on non-covered procedures, such as cosmetic procedures like teeth whitening.

There is no waiting period for any covered service. Whether it’s just a cleaning or an implant, all covered services are available beginning your first day covered by the plan.

The Cigna nationwide dental network is comprised of highly qualified dentists that are pre-screened and thoroughly evaluated prior to their acceptance. Selecting a dentist who meets your needs and expectations is a decision that is too important to make without careful consideration and Cigna has prescreened all their network dentists for you.

A list of providers is available at: http://cigna.benefitnation.net/cigna/docdir.aspx

These are the low member co-pays, using the Cigna HMO plan, for some of the most common dental procedures:

Vision Plan - MES

Annual eye examinations are vital. Not only can they discover early signs of potentially blinding eye conditions, such as glaucoma, diabetic eye disease, or macular degeneration, but they can also detect signs of serious health conditions, like hypertension, cardiovascular disease, diabetes and high cholesterol, that can easily go unnoticed by you. Unlike most of your body, your eyes do not usually hurt when there is something wrong.

With this full service Medical Eye Services (MES) vision plan, you may see any provider nationwide, but if you use one of the MES network providers, you will receive the highest benefits at the lowest costs. The MES Network not only has thousands of individual providers, but it also includes many Lenscrafters, Wal-Mart, Sam’s Club, Target, Costco, and Sears locations.

In addition to the benefits shown on the following page, many MES providers also belong to the Discount Vision Program which provides members an additional 20% discount off their usual and customary charges for routine vision care services and materials. There are no authorizations or claim forms required. In order to receive the discount benefit, participants must identify themselves as a Discount Vision Program participant at the time services are rendered.

You may find a list of local MES Network Providers at: www.mesvision.com

Make sure to look for those providers with the Discount Vision Program Participant notation in order to save the most money!

MES also allows members who wear contacts to save additional money to ordering the contacts online.

Coverage is available for the retiree/Association member individually, or they may also insure their spouse or domestic partner, and their dependent children up to age 26, under their coverage. Coverage is also available to children age 26 and older, provided they are permanently disabled and the member lists them as a dependent on their tax return.

LegalShield

From Traffic Tickets to Will Preparation, Real Estate or Divorce: Professional Legal Advice for Less Than 50¢ a Day.

Legal Shield was founded over 40 years ago, with the belief that everyone deserves access to quality, affordable legal protection. Businesses and the wealthy can afford to pay attorneys $400 an hour to protect their interests, but can you? With Legal Shield, you will have access to attorneys to level the playing field and give you the protections that you need, all for less than 50¢ a day.

Regardless of the type of issue, Legal Shield’s nationwide network of affiliate lawyers, with an average of 19 years of experience, is there to help you. Whether it’s personal, business related, criminal, or anything in between, you need to have quality legal representation and know all of your legal rights.

When you join Legal Shield, you will experience the safety and security that over 1.5 million members enjoy. Access to no cost, quality, convenient, legal help is only a toll-free phone call away.

Benefits of Legal Shield membership include:

Phone Calls and Letters

We’ve all experienced situations where a person or company has taken advantage of us or refused to do as promised, and our personal calls and letters do not resolve the situation. Perhaps it was a store that won’t honor a return, or a poorly done repair job, or a merchant that won’t honor their low price guarantee? Unfortunately, many businesses know they can get away with these things because few people will spend the time or hire a lawyer to being them to justice.

With Legal Shield, your attorney will write a letter or make a phone call on your behalf at no cost to you. When the other party sees that you have legal representation, they know you are serious and they will work to get the situation resolved.

Will Preparation with Annual Reviews

Having an updated Will is part of being a responsible adult. However, 55% of Americans do not have a Will. The numbers are even more shocking for minorities: 68% of African Americans and 74% of Hispanics do not have a Will. Considering the overwhelming benefits of having a Will, these are frightening statistics. Wills can:

• Protect your assets from probate and intestacy laws and significantly reduce the time spent in costly probate court.

• Provide peace of mind knowing your assets are protected and your loved ones will be cared for.

• Control the gifting of assets to the specific persons you choose.

• Ensure your committed relationship partner is provided for.

With Legal Shield, the member will receive a Will and annual updates at no cost and their spouse/domestic partner can receive a Will for only $20. For members requiring a higher level of estate planning, Trust preparation is available with a 25% discount.

Contract and Document Review

While we all say that we would never sign a document without reading it, the reality is that many of us will only skim. Chances are we wouldn’t understand all the legal jargon fine print anyway.

With Legal Shield, at no cost to you, you can have an unlimited number of personal legal documents reviewed and explained to you in plain English by your attorney. Your attorney will also suggest any changes they deem necessary and if the other party has acted improperly, the attorney can contact them on your behalf to help resolved the issue.

Whether you’re signing a new cell phone contract, booking a hotel room, or wanting to make sure that you get your full security deposit back from your landlord, legal document review can save you thousands of dollars and countless headaches.

IRS Audit Protection

An IRS audit can be terrifying, even if we believe we did everything 100% honestly. Unfortunately, around 1.5 million people will experience the terror of an IRS audit every year. For those who think that only the wealthy get audited, over 80% of audits were done to households making less than $50,000 per year.

With Legal Shield, when you are notified of an audit by the IRS, you have immediate access to consultation, advice, and assistance at no cost to you. You can receive at no additional cost, up to 50 total hours of your attorney’s time to help defend the audit.

Motor Vehicle Services

Vehicle ownership creates the potential for many different problems. For accidents we let our insurance company deal with the issue, but who takes care of more minor issues? Who do you turn to if your car is vandalized in a parking lot? What if items are stolen from your car after being valet parked or car washed? What if a car nicks your car while it is parked on the street? And the other driver is claiming it is your fault based on how you parked? And the police issue YOU a citation! Problems happen and whether you were the at fault party or not, having an attorney on your side can be crucial.

With Legal Shield, your attorney will help you deal with the insurance companies. They will put you in a position of knowledge regarding the law. If the unthinkable happens and you are involved in a fatal car accident and charged with manslaughter, involuntary manslaughter, negligent homicide, or vehicular homicide, your attorney will defend you, no matter how long it takes.

Trial Defense

The United States is a litigious country. We have more lawyers per capita than any other county and a new civil lawsuit is filed once every 2 seconds. Whether the suit has merit or is frivolous, lawsuits can cause tremendous emotional and financial stress.

With Legal Shield, if you or your spouse is named as a defendant in a covered civil or criminal action, your attorney will provide up to 60 hours of defense at no additional cost to you.

IDShield

Identity Theft Tops Federal Trade Commission List of Consumer Complaints for 15^th Consecutive Year!

The Department of Justice estimates almost 17 million Americans will have their identity misused or stolen each year. On average, victims suffered direct losses of $9,650. In addition to the financial losses, victims can spend hundreds of hours of time to repair their good name.

Unfortunately, identity thieves target everyone, from children to seniors and it’s getting worse. Most people don’t find out that they are victims of identity theft until it is too late and the damage has been done.

Identity Shield is offered through Kroll, the world’s leading independent risk consultant, and gives you the ability to protect your identity and good name. Unlike most credit monitoring programs, Identity Shield’s proactive approach not only provides expert consultation on how to prevent identity theft, but also provides comprehensive restoration of your identity should a breach occur.

Two Identity Shield plans are available to help protect and restore your credit and good name.

The Standard Plan includes:

• An up-to-date Credit Report from Experian, the leading credit bureau. Additional reports can be requested every 120 days.

• Your Personal Credit Score with a detailed analysis of your credit score with your first credit report.

• Continuous Monitoring of your Experian credit file with email alerts for any activity on your credit file.

• Should you become a victim of Identity Theft, experts will perform Comprehensive Identity Restoration services on your behalf. A customize solution will be followed to correct identity theft issues with affected agencies and institutions.

The Premium Plan includes all the benefits of the Standard Plan plus:

• Added protection with Triple Credit Bureau Monitoring. In addition to Experian, Equifax and TransUnion credit bureaus will be monitored continuously and you will receive an email alert if any activity occurs.

• With Identity Shield’s Web Watcher, the web is monitored daily for unauthorized use of your Social Security and credit/debit card numbers, & other personal information.

• Public Persona monitors any changes to your Social Security Number or address history associated with your name.

• Public Sex Offender Databases are searched to detect the location of sex offenders and whether a member’s address has been used by a registered sex offender.

• Social Security Number Skip Trace searches billions of public records to detect potential fraud with your SSN.

• Without Lost Wallet/Purse Assistance, could spend days contacting all the credit card companies or getting replacements for your IDs. Identity Shield provides help with canceling and replacing cards and IDs and with placing fraud alerts.

Whether you select the Standard or the Premium plan, Identity Shield will work to resolve any identity theft issues and restore your identity to pre-theft status no matter how long it takes.

Personal Accident & Secure Travel

This two-part plan includes an enhanced Accident Death & Dismemberment (AD&D) policy and a special Secure Travel rider that kicks in anytime a member travels 100 miles or more from home.

AD&D policies are popular as they are inexpensive and provide large cash benefits if an insured is seriously injured or killed in an accident. Accidents are the 5^th leading cause of death in the US, and this policy is a great way to protect your family should the unthinkable happen.

The Secure Travel Rider includes these following benefits:

 Medical Evacuation  Translation Service  Legal Assistance  Emergency Cash Advance  Lost or Stolen Item Assistance  Repatriation  Prescription Refill Assistance  Bail Bond Posting  Medical & Dental Referral  Emergency Message Relay  Pre-Trip Planning  24 Hour Availability

AD&D coverage is available for the member and family coverage covers a spouse / domestic partner and child up to age 26. Included special benefits are:

• Up to $25,000 for home alteration & vehicle modification.

• Up to $10,000 for rehabilitation expenses.
• Up to $37,500 for wearing a seatbelt & having a functioning airbag.

Travel Guard

Insurance to Cover All Your Travel Needs

A vacation is a break from the routine of your everyday life and all its worries. It’s a time to relax and the opportunity to do something different – maybe even something you would not ordinarily do. However, when traveling, the unforeseen can strike without warning and it can be costly.

The sudden illness of a traveling companion or a family member back home, a natural disaster, or inhospitable weather alters your traveling plans. Instantly, all the money paid for a vacation vanishes. Travel insurance provides peace of mind and protects you from the unforeseen.

Whether you’re going on a cruise, tour package, resort vacation, safari, or just a quick self-booked trip, Travel Guard insurance can protect you for a variety of circumstances. Coverage is available for:

• Trip cancellation, interruption, and delays.

• Missed connections.

• Medical coverage for international travel, as Medicare and most insurance will not cover you outside the US.

• Emergency evacuation to the nearest appropriate care facility.

• Baggage delay/loss coverage.

“PPO” Pet Insurance – VPI

Available for Cats, Dogs, Birds, & Exotic Animals

Our cuddly companions are part of our family and we want to provide them with the best care. Americans will spend over $60 billion this year on our companions. With Veterinary Pet Insurance (VPI), the nation’s oldest pet insurance company, instead of worrying about the cost of care, you can focus on what is really important, your pet’s health.

Multiple plans are available for your specific needs and benefits are paid on a set benefit schedule. You may see any vet or specialist.

For more information or to enroll at the discounted REAOC rates, call VPI directly at (877) 738-7874 and mention you are a REAOC member or visit: www.petinsurance.com/reaoc

“HMO” Pet Care – UPC

Available for Cats, Dogs, Birds, & Exotic Animals

United Pet Care (UPC) offers a unique approach to pet care. UPC is a discount program available for all pets regardless of age or pre-existing and breed specific conditions. Pet owners will receive instant savings of 20%–50% off exam, surgery, hospitalization, vaccine, spay/neuter, diagnostic, radiology, dental, and other preventative and sick care procedures. Medication is also discounted 20%–25%.

Saving money with UPC is easy. There are no deductible, no claim form, no waiting period, no pre-existing condition exclusion, and no limit on the number of vet visits. Your pet may enroll regardless of age or medical condition and you start saving money from day one!

Pet parents select from a nationwide network of over 1,900 conveniently located, quality vets to choose from.

Members will also receive discounts at numerous pet places including those for: Pet Food, Natural Food, Grooming, Accessories, Products, Supplies, Boarding Kennel, Doggie Daycare, Pet Sitting, Dog Walking, Training-Obedience, Herbs, Supplements, & Medications.

A list of participating providers is available at: www.unitedpetcare.com/reaoc

To enroll or for more information: Call United Pet Care at (888) 781-6622 and mention you are an REAOC member or visit: www.unitedpetcare.com/reaoc

Amplifon Hearing Benefit

It’s time to increase the quality of your life!

Hearing loss is a natural part of life as we age. Left untreated, hearing loss reduces the overall quality of life and sufferers have higher rates of depression and social isolation. It can also cause Auditory Deprivation, a decrease in speech understanding resulting from a hearing loss.

Clinical studies have shown that wearing a properly fitted hearing aid significantly improves your overall quality of life. Yet, denial and embarrassment are cited as the main reasons for not getting a hearing aid. Even though many hearing aids are virtually invisible and deliver excellent performance, a Johns Hopkins study revealed that only a small percentage of people with hearing loss used a hearing aid.

Amplifon Hearing Health Care has partnered with REAOC to offer a FREE hearing aid discount program. Benefits include:

• Significant savings of approximately 25% off hearing aids, including name brands like Phonak, ReSound, Starkey, and Siemens and 40% off testing and diagnostics.

• Low price guarantee – will beat local hearing aid quotes by 5%!

• Free one-year supply of batteries – approximate $75 value.

• Free one-year follow-up care.

• Risk-free 60-day, 100% money-back satisfaction guarantee.

• 3-year warranty – one of the longest in the industry.

• Financing available

Liberty Mutual

Discounted Policies Whether You Own, Rent, Drive, or Float.

As a REAOC member, you could save hundreds of dollars by taking advantage of special discounted group rates with Liberty Mutual.

Homeowners Insurance protects you against a variety of losses like fire, theft, vandalism, and plumbing failure. Liability coverage can be included so anyone accidentally injured or has property damaged while on your premises, you can be protected from liability claims.

Auto Insurance is available for your car, truck, motorcycle, ATV, and more. Liberty Mutual will make sure you have the right coverages to protect you and repair your car. Additional benefits may include accident forgiveness, new car replacement, unlimited rental, and lifetime repair guarantee.

Renters Insurance protects your personal possessions against a variety of losses including fire, theft, vandalism, and plumbing failure, and provides personal liability coverage. Your landlord has coverage to protect their building, but that covers them, not you or your possessions. Renters insurance is a very low cost policy that provides lots of security against life’s mishaps.

Condo Insurance protects the inside of your unit and your possessions. As a condo owner, should something happen to the building, such as a fire or major plumbing failure, your HOA’s insurance will cover the rehabilitation of the building. However, that policy won’t cover items inside your unit.

Who pays to replace your granite counter tops, kitchen cabinets, furniture, TV, and clothes? Who pays for your hotel room while your place is being fixed? Unless you have a condo insurance policy, the answer is you! Condo insurance is a low cost policy that provides you the protections that your HOA’s policy does not.

Landlord Insurance protects your investment from losses associated with damages to your unit, loss of income should the unit be uninhabitable, and liability should your renters do the unthinkable.

Personal Liability / Umbrella policies protects you should a serious accident or mishap happen on your property. You don’t have to be a millionaire to be sued for a million dollars or more. Umbrella Insurance protects you and your assets from large verdicts or settlements due to a covered accident. This is additional coverage above and beyond the limits on your other policies. This insurance is purchased in conjunction with auto insurance.

Flood Insurance may sound like the type of coverage that you only need if you live by a large body of water. The reality is, floods can be caused not only by storms, hurricanes, and melting snow, but also by backed up sewer lines and busted water mains. Droughts can cause vegetation to die and when rain does come, flash floods can occur. Few people know that floods are the most common natural disaster in the United States.

Standard homeowners insurance won’t cover many water related incidents and federal disaster assistance is only available if the President declares a disaster, which rarely happens. Liberty Mutual flood insurance, offered through the federal government’s National Flood Insurance Program, can help protect you.

Multi-Policy Discounts are available in many states.

Whole Life Insurance

Guaranteed Issue – No Medical Exam

No one wants to burden their family with outstanding debts, funeral costs and other bills when they pass away. Ensuring these costs are taken care of in advance can be your way of helping make sure your family won’t have to struggle to quickly come up with cash.

MetLife’s Guaranteed Issue Whole Life Insurance is an easy and affordable way to provide financial stability for your loved ones. Coverage face amounts of $5,000, $10,000 and $20,000 are available. This plan was specially designed for those age 55 and older.

Unique plan features include:

• Guaranteed issue and guaranteed renewable for life.
• Does not require a medical exam or underwriting.
• Level premiums for the life of the policy.
• Simplified application process.

If the insured dies other than by accident within the first two years, the beneficiary will receive a limited graded death benefit of 110% of premiums paid. After two years, full death benefits will be paid for any cause of death.

Term Life Insurance

We all know that we need life insurance, but few of us take the initiative to protect our loved ones by purchasing a policy. Whether it’s a policy to cover our funeral expenses or one to help ensure loved ones won’t be burdened with mortgage payments, outstanding debts, final expenses, uncovered medical costs, and taxes, everyone needs life insurance. Life insurance is not a should have, it’s a must have.

Term Life, like the name implies, covers you for a specific period of time (term). Policies are generally 10, 15, or 20 years. Your premium never changes and your benefit level can never be reduced! Term policies do not accrue cash value and may be canceled at any time.

Policies are available from $50,000 to $1,000,000 and the monthly premium rate depends largely on your health. Coverage is medically underwritten and a Paramed visit is required. This is a 100% free height & weight check and blood & urine test, done at your home or work, typically lasting about 15 minutes. Approximate monthly rates for a typical healthy, non-smoker are:

Rates listed are for non-tobacco (no use in prior 12 months). Coverage for tobacco users is approximately 135% higher for females and 150% higher for males. 

Emergency Assistance Plus

Emergency Assistance Plus (EA+) is a unique safety net that helps you pay for emergencies your health and travel insurance generally will not. This annual policy covers you whether you’re home, traveling across the state, or on the other side of the world. EA+ allows you to travel confidently with 24-hour emergency assistance at your fingertips.

What happens if you’re traveling and the unthinkable occurs, you have a medical emergency? How do you get back home? Who takes care of your vehicle, pet, traveling companions? With EA+, you can put all those worries at ease. Some of the numerous benefit highlights include:

• Transportation home after hospitalization.

• Hotel room for recuperation after a hospital stay.

• Return of your vehicle if you can’t drive back home.

• Medical specialist sent to you.

• Pet care and return home assistance.

• Ticket home for a traveling companion.

• Airline ticket to bring a loved one to your bedside if you’re traveling alone and must stay in a hospital for more than 7 days.

• Airfare home for dependent children or grandchildren.

• Emergency medical evacuation to get you to an appropriate medical facility.

• Emergency medical monitoring by an EA+ medical expert.