General -
Questions & Answers
Rx Benefits - Questions & Answers
Dental / Vision / Chiro / Hearing Benefits – Questions & Answers
Liberty Legal / Identity Theft / Tax and Financial Planning - Questions & Answers
Liberty Guardian Plan – Questions & Answers
General - Questions & Answers |
Who is Team Liberty Benefit
Team Liberty Benefits is one of the pioneers in the field of Consumer Driven Health Plans. TLB has entered its second decade offering Prescription savings - second to none, Dental, Vision, Chiropractic and Hearing savings, Legal, Identity Theft and Financial Planning savings, and Association Savings Club Benefits that include Accident Expense Reimbursement and 24/7 Doctor’s Consultations by phone.
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Who is included in the memberships?
Benefits are available for individuals and families. Family members include you, your spouse or significant other, unmarried dependent children under age 18, residing at your home, and unmarried college students to age 23.
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How soon can I begin using my membership?
As soon as your Membership Packet arrives in the mail, usually 7 to 10 days.
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What payment options are available?
You have options of: Bank Draft to Checking or Savings Accounts; Credit Cards - VISA, MasterCard, Discover and American Express; You may use debit cards with a VISA or MASTERCARD logo. Payroll deduction may be available through your employer.
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How do I use these services?
For Liberty Rx services, locate a participating pharmacy online, using this website, or call the Customer Service number on the back of your Membership Card. For Home Delivery Rx services call the number provided in your Membership Packet.
For Liberty Dental / Vision / Chiropractic / Hearing, locate a participating provider using this website or call Customer Support at the number on the back of your card. After locating a participating provider, call their office to verify their participation and to schedule an appointment. At the time of visit, present your Liberty Membership Card. The card contains information necessary for the billing office to obtain the discounted rates.
For Liberty Legal services, call the Customer Service number on the back of your Card. They will connect you with an Attorney, Identity Theft or Financial Planning assistance, depending on your request.
For The Guardian Plan services, locate providers online, at this website, or call the Customer Service number on the back of your Membership Cards.
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Where can I use this card?
The card is accepted at over 98% of US Pharmacies located throughout the United States. The network includes pharmacy chains as well as thousands of independent pharmacies throughout the country. Pharmacy location information can be obtained by contacting our customer service department. If a neighborhood pharmacy is not already participating in our network, please have them call us. We will send them information about how they can participate in the network so that you can take advantage of the savings as soon as possible.
Home Delivery is an ideal way to realize even greater savings on your medications. Information on how to order is included in your membership materials. Live customer service via a toll free number is available to assist you.
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How much will I pay for my prescriptions?
You can price your prescriptions online, at this website, and know what your price is before you buy it.
Take the Doctor’s Prescribing Guide, included in your Membership Packet, to your doctor’s appointment. It includes 4 Tiers of pricing, ranging from up to $10.00 for drugs listed in Tier 1, up to $20.00 for brand name and select generic drugs listed in Tier 2, up to $50.00 for brand name and select generic drugs listed in Tier 3 and members will pay the network contracted price that has been negotiated for drugs in Tier 4. It will be helpful to your doctor in selecting your medications at the lowest pricing. There is no guaranteed percentage savings on every prescription purchase. The price paid depends upon the pharmacy and the type and quantity of drug purchased. Pharmacies, just like other retail stores, compete against each other and may have special prices on some products. When this is the case, we cannot discount the pharmacy’s already low price, but a member will receive the advantage of the pharmacy’s special pricing. THE MEMBER ALWAYS RECEIVES THE LOWER OF THE CONTRACT PRICE OR THE PHARMACY’S PRICE.
For drugs taken for 90 days or longer, the Home Delivery service generally offers the greatest savings. You can see these prices online at this website, or call the Home Delivery Customer Service toll free number for assistance.
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How does this work with my current insurance plan prescription card?
Always present your Liberty Rx Card with the insurance card and ask the pharmacist to show you the drug cost for each card. If your prescribed drug is not on the insurance company’s formulary, your co-pay goes away and Liberty saves the day. If you have co-pays, sometimes the co-pay is more than Liberty’s price. If you can buy your prescriptions for 90 days rather than 30, check your co-pays (X3) against the home delivery pricing online. Some insurance plans won’t cover 90 day prescriptions, Liberty saves you significant money on 90 day prescriptions. Check it out.
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How can I keep my prescription drug costs down?
Buy your medications with your Liberty Rx Plan. In 2008 our members saved an average of 40.2% at the Pharmacy and up to 70% through the Liberty Home Delivery service!
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Dental / Vision / Chiropractic / Hearing Benefits – Questions & Answers |
How is this different from dental insurance, and how much will I save?
Liberty Dental has no limits on dental visits, no deductibles, no $ maximums.
Members save 15% to 50% on everything from general dentistry and cleanings to root canals, crowns, orthodontia and even teeth whitening kits from Bright and White, Inc.
Liberty Dental costs less and saves you more.
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Who are the Dentists, and how do I find one in my area?
Liberty uses the Aetna Dental Network. There are over 76,000 dental practice locations nationwide. You will find the dentists near you by clicking on the “Locate Providers” option on this website.
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Who are the Vision Services providers, and how do I find one in my area?
Liberty uses the Coast to Coast Vision network with over 12,000 eyecare locations nationwide. The CTC provider network is the most comprehensive in the U.S. and includes ophthalmologists, optometrists, independent optical centers and national chain locations such as Pearle Vision, JCPenney Optical, Sears Optical, Target Optical, LensCrafters and EyeMasters.
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What Vision Services are included and how much will I save?
Savings of 10% to 30% on eye exams. Savings of 10% to 20% on contact lenses (excluding disposables). Save 40% to 50% off the overall national average on LASIK surgery.
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How can I find a Chiropractor and how much will I save?
To find a Chiropractor in your area, click on the “Locate Providers” option on this website. There are over 3,000 participating Doctors of Chiropractic in the nationwide network. Savings include free initial consultations, savings of 30% to 50% on diagnostic services, x-rays, treatments and other services.
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How do I access the Hearing Services?
Click on the “Locate Providers” option and select from over 2,050 provider locations nationwide made up of a cross section of audiologists, hearing specialists and professionals. Enjoy access to a variety of hearing programs providing aid discounts of 15% to 58% in retail locations nationwide and discounts of 40% to 60% through the mail order program.
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Liberty Legal / Identity Theft / Tax and Financial Planning - Questions & Answers |
How do I get started on my Will?
Just call the Attoney Locator Services 800# on your CLC card, you’ll receive a Will Questionnaire by mail and they will walk you through every step of the attorney process.
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How can I find a Network Attorney?
Just call the Attoney Locator Services 800#, tell them your area of legal service needed and CLC will match you with an attorney that specializes in that area of law.
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How can I avoid becoming a victim of Identity Theft?
Every TLB member should use the toll free unlimited telephonic consultations with trained Fraud Resolution Specialists to learn how to protect their Identity. So, do it today.
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How can I use the Tax & Financial Planning?
First of all, CLC advisers will not try to sell you any kind of financial products. They are experienced advisers that will take a personal interest in your future goals and will counsel you in a multitude of areas you may request advice.
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Liberty Guardian Plan – Questions & Answers |
What is The Guardian Plan?
We call The Guardian Plan our 3 in 1 Plan. It includes the Liberty Rx Plan, the Dental / Vision / Chiropractic / Hearing Plan, and Association Benefits that include a $5,000 Accident Reimbursement and a $15,000 Accidental Death and Dismemberment feature plus 24/7 Doctor Consultations by phone, and more. It is designed to provide important coverage and savings for everyone from young families to the uninsurable at affordable rates.
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