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Frequently Asked Questions About Vital Savings by Aetna®
How does the Vital Savings by Aetna® program work?
Vital Savings by Aetna® gives you access to savings on a wide array of services including dental, pharmacy, vision and long term care services. Some highlights of the program include:
- No claim forms
- No deductibles or maximums
- No frequency limitations
- No waiting periods
- No age restrictions
- No pre-existing condition exclusions
Within 48 hours of receiving your payment, a membership kit will be sent to your home. The kit will contain your personalized ID card and information about a wide range of resources to keep you informed and to answer your questions.
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Is Vital Savings insurance?
No, the Vital Savings by Aetna program is not insurance. There are no benefits payable to participants, nor does Aetna compensate providers for products or services. You are responsible for paying the discounted fee directly to the provider at the time you receive dental, pharmacy or vision products or services, as applicable.
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What if my spouse or I already have insurance?
Vital Savings may provide discounts for products and services not covered by your insurance. If you or your spouse currently have insurance, it is important that you evaluate your health needs and insurance coverage to decide if a discount program makes sense for you.
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Can I be denied participation in this program?
No. There are no restrictions on participation, regardless of your age or medical condition, subject to the provisions of the Member Agreement.
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Who can sign up?
If you sign up for "Member & Family," all members of your immediate family currently living in your household can take advantage of the Vital Savings by Aetna discounts. Any new family members can also be signed up. If you sign up for "Member Only" and want to sign up family members later on, you can change your selection.
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Can I request additional ID cards for my family members and/or replacement cards?
Yes. Contact us online or call us toll-free at 1-877-MY-VITAL (1-877-698-4825).
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Can I receive discounts before I receive my ID card?
No. However, your ID card will be mailed within 48 hours of receipt of payment. Once you receive it, you can visit a participating provider — dentist, pharmacy, vision care professional, etc., as applicable to your program — on or after your effective date and enjoy significant savings.
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How often can I use my Vital Savings by Aetna® card?
As often as you wish. There are no limits on how often you and your family can use the Vital Savings by Aetna program, as long as your ID card is valid.
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Am I required to pay providers or pharmacies when I receive services?
Yes, payment is due at the time of service, unless you have made different payment arrangements directly with the provider or participating pharmacy.
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What if a participating provider does not recognize my Vital Savings by Aetna® card?
Simply ask the office staff to call 1-877-MY-VITAL (1-877-698-4825), and a customer service representative will provide the necessary information. If a participating Aetna Vision Discount provider does not recognize your Vital Savings by Aetna® card, tell the provider that Vital Savings by Aetna® is a discount program available through Aetna Vision Discounts.
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How can I find a participating health care professional or facility?
Log on to www.vitalsavings.com. From there, you can search our online directory. Or call us toll-free at 1-877-MY-VITAL (1-877-698-4825) to find participating program locations near you.
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How can I join?
There are three ways to sign up:
Online: Complete the online form and supply your payment information for the fastest way to join!
Telephone: Call one of our customer service reps toll-free at 1-877-MY-VITAL (1-877-698-4825).
Brochure: If you received a brochure from an employer group or association, a paper sign-up form is included as part of the brochure. Simply detach the form, complete the information, include your payment and mail it to the address listed on the brochure.
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How can I pay for Vital Savings by Aetna®?
You may pay by credit card, bank draft or check.
Credit Card or Bank Draft
- You may choose annual or monthly billing
- We will automatically charge your account for the amount specified each period (either monthly or annually based on your selection)
- A one-time $15 processing fee (nonrefundable) will be added to your first payment.
Check
- Payment by check is only an option if you select annual participation.
- You should include the $15 processing fee with your payment.
- You will receive an invoice for your annual fee each year prior to your renewal date. Simply send us the annual fee due prior to the renewal date, and participation in the program will not be interrupted.
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Is there a cancellation policy?
Your satisfaction is important to us. If you are not satisfied with the Vital Savings by Aetna program for any reason within the first 30 days, you may cancel your participation and receive a full refund (minus the initial $15 sign-up fee).
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Who can I call with questions or if I need help signing up?
Call us toll free at 1-877-MY-VITAL (1-877-698-4825) for any questions or assistance. Our dedicated team of trained service professionals will be standing by to help you. You may use this number any time during your participation in the Vital Savings by Aetna® program for prompt assistance. You may also use the "Contact Us" feature on this website and receive your answers via e-mail.
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How will I be billed on an ongoing basis?
- If you have chosen annual billing, you will be billed when you first sign up and then automatically 12 months later by the same method.
- If you have chosen monthly billing and use a credit card, your account will be charged on approximately the 10th of each month and your statement will read 'VITAL SAVINGS-AETNA - 877-MY-VITAL'
- If you have chosen monthly billing with a draft payment from your bank account, your payment will be deducted from your bank account on approximately the 7th of each month and your statement will read 'AETNA-VS'. These payments will automatically continue until you notify us in writing that you no longer wish to participate in the program.
- Payment by paper check is only available when you select annual billing.You will receive a renewal notification approximately eleven months after you join. Simply send us the annual fee due prior to the renewal date, and participation in the program will not be interrupted.
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Vital Savings by Aetna® is not available in Vermont or Montana.
Vital Savings on Pharmacy is not available in Tennessee.
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The Vital Savings by Aetna® program (the "Program") is not insurance. The Program provides Members with access to discounted fees pursuant to schedules negotiated by Aetna Life Insurance Company for the Vital Savings by Aetna® discount program. The Program does not make payments directly to the providers participating in the Program. Each Member is obligated to pay for all services or products but will receive a discount from the providers who have contracted with the Discount Medical Plan Organization to participate in the Program. Aetna Life Insurance Company, 151 Farmington Avenue, Hartford, CT 06156, 1-877-698-4825, is the Discount Medical Plan Organization.
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