DIRECTMED is an excellent suite of benefits by itself, or as a complement to any health plan you may choose to carry individually or through an employer. DIRECTMED provides financial relief on medical expenses not covered by your health insurance or use it for expenses that fall below your deductible and co-insurance limits.

This plan is portable and guaranteed renewable. You may not be singled out for rate increases or cancellation, no matter how often you use the benefits.

What is DIRECTMED?
DIRECTMED is a provider access organization, which arranges for its members to receive discounts on medical, dental, vision, chiropractic and pharmaceutical services.

How much are dental fees discounted?
Members can save from 25% up to 60% on all diagnostic, preventative, restorative and major dental services. Cosmetic services are also eligible to receive a discounted rate. Members will also receive discounts on Cosmetic procedures and 25% on the fees of a Dental Specialist.

Does DIRECTMED cover pre-existing conditions?
Since this program is not insurance, you will receive discounts when you visit a participating provider for treatment of a pre-existing condition. The benefits that do have a limitation for pre-existing conditions are orthodontic treatment that has already begun and the limited benefit insurance that is included in your membership.

When will I get my new member kit?
Once the initial processing has been completed, you will receive an email notification that will confirm you membership and provide you with temporary membership ID cards. Your new membership kit will be mailed to you prior to your effective date. Please take some time and review the kit, as it contains helpful information on how to make the most use of your benefit package.

Why have physicians, hospitals and facilities agreed to provide members’ savings?
Physicians, hospitals and facilities have agreed to reduce their rates in exchange for guaranteed payment. Traditionally, access to reduced rates have been limited to insurers and self-insured groups.

Why do I have to pre-certify?
To obtain savings through participating providers, our network must guarantee payment to the provider. In some cases, our network may require payment from Members using certain benefits.

Will the providers recognize my card?
In most cases, providers will not recognize the name of a card or DIRECTMED. DIRECTMED utilizes multiple provider networks to provide the best selection of savings available. To determine if a specific provider participates with the program, please contact Membership Services at the number located on your membership card.

How much money will I save?
Members will always save money; however, savings vary based upon the benefit or service being utilized and from provider to provider.