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ABOUT CARExpress

We design and offer our discount healthcare membership programs for uninsured and underinsured individuals. Our membership programs encompass all aspects of healthcare, including physicians, hospitals, ancillary services, dentists, prescription drugs, vision care, hearing aids, chiropractic services, alternative care, 24-hour nurseline, medical supplies and equipment, and long-term care facilities, which include skilled nursing facilities, assisted living facilities, respite care and home health care. We offer our programs through a national healthcare savings network called CARExpress. We provide our members with access to over 1,000,000 healthcare providers through our agreements with CareMark, Aetna Dental Access NetworkSM, Optum, Integrated Health, Three Rivers and International Med-Care, which are some of the largest and most prestigious national healthcare networks in the country. These providers represent more than 70% of all practicing doctors and surgeons, 65% of all acute care hospitals and 95% of all pharmacies in the United States.

We sell our CARExpress membership programs directly and indirectly through a variety of marketing and distribution partners. Our programs typically range in price from $9.95 to $39.95 per month, depending upon the program selected. We also offer features to encourage potential members to try out our CARExpress 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.

Our CARExpress 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 CARExpress membership cards. Rather, our CARExpress membership programs provide consumers with access to healthcare providers who, through their affiliations with PPOs, have agreed in advance to honor our CARExpress membership cards and accept the discounted fees set by the PPOs. Our CARExpress membership programs require members to pay the provider at the time of service, thereby eliminating the need to file any insurance claims. CARExpress members simply present their CARExpress membership card to the participating provider at the time of the service to receive the discounted price.

 
 
   
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