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Frequently Asked Questions

How does CARExpress achieve savings on medical services and products?
Is CARExpress an insurance program?
Who can apply for a CARExpress card?
Can my family utilize my CARExpress card?
How long will it take to receive my CARExpress card?
When will my CARExpress card be effective?
May I order an extra CARExpress card for my spouse or child?
What should I do if I haven't received my CARExpress card in the mail?
Can groups (for example, companies) sign-up for CARExpress services?
How many of the nation's doctors and pharmacies participate in the CARExpress network?
How are health care providers chosen for the CARExpress network?
Why would a medical provider participate in the CARExpress program?
Will my doctor be familiar with the CARExpress medical discount program?
Are discounts the same at every physician, clinic, hospital, etc. in the CARExpress network?
Can I find out discounts on prescriptions in advance?
What medications can be ordered through the Mail Order Pharmacy?
How do I locate a list of health care providers in my area?
Is my doctor in the CARExpress network of health care providers?
Can I nominate one of my providers for the CARExpress network?
What if I need to visit a doctor or have a prescription filled while I am on vacation?
How do I take advantage of the CARExpress discounts?
When do I receive the discount on medical services and products?
What is the advantage of using the CARExpress program in conjunction with insurance or Medicare?
Are there any restrictions imposed for pre-existing medical conditions?
Are there any age restrictions on the CARExpress benefit program?
Is there a limit to the amount of times I may visit a health care provider?
Whom should I contact if I move and need to update my address in your records?
How do I renew my membership?
How do I enroll if I don't want to sign up with CARExpress over the Internet?
What if I am dissatisfied with the CARExpress card?


How does CARExpress achieve savings on medical services and products?
CARExpress links groups of consumers to obtain group discounts on medical services. It negotiates discounts on its members' behalf with health care providers, reducing the overall cost of medical care for its members.

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Is CARExpress an insurance program?
CARExpress is
NOT an insurance program. CARExpress is a health savings program that discounts most health costs without medical histories, physicals, underwriting, waiting periods, or usage limits. In addition, CARExpress membership includes all the members of the cardholder's household at no extra cost.

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Who can apply for a CARExpress card?
Everyone is eligible to receive the CARExpress medical discount card.

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Can any member of my family use my CARExpress card, or do I need to purchase a separate card for each family member?
One CARExpress card provides health savings for your entire household (this includes your extended family if they reside at the same address). Make sure to list all family members who will be utilizing the CARExpress card in your Membership Application.

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How long will it take to receive my CARExpress card?
You should receive your CARExpress card within 2 weeks of the date you submit the on-line application.

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When will my CARExpress card be effective?
Your CARExpress card will be effective upon receipt, usually within 2 weeks of the date you submit your application.

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May I order an extra CARExpress card for my spouse or child?
You may order additional CARExpress cards by contacting CARExpress Customer Service at 1-866-305-SAVE. The additional cards will always show the primary cardholder's name and account number; they will not be customized with each family member's name.

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I submitted an application for a CARExpress card over three weeks ago, but I haven't received it in the mail. What should I do?
Send an e-mail to
customerservice@CARExpresshealth.com or call Toll-Free at 1-866-305-SAVE to request information about the status of your application.

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Can groups (e.g. associations, companies) sign-up for CARExpress services? Do groups have any unique privileges in the CARExpress network?
Reduced membership fees may be negotiated for large groups of CARExpress members. Contact a CARExpress marketing representative for details at
sales@CARExpresshealth.com or call Toll-Free at 1-866-305-SAVE.

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How many of the nation's doctors and pharmacies participate in the CARExpress network?
More than 72% of the nation's practicing doctors, and more than 90% of the nation's pharmacies participate in the CARExpress network.

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How are health care providers chosen for the CARExpress network?
CARExpress carefully selects the health care providers within its network. Providers have been chosen for their long-standing excellence within their field. Each is prescreened and continually monitored to meet strict credentials and licensing criteria and is subject to ongoing professional review.

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Why would a medical provider participate in the CARExpress program?
CARExpress offers the provider the benefit of new patients, the ability to better serve the community, and reduced advertising and marketing costs. Membership in the CARExpress network is mutually beneficial to the provider and the CARExpress member.

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Will my doctor be familiar with the CARExpress medical discount program?
Your doctor will be familiar with our national network names, which will be imprinted on your membership card. If your doctor has any questions , simply ask him or her to contact Customer Service at the number listed on the back of the CARExpress card.

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Are discounts the same at every physician, clinic, hospital, etc. in the CARExpress network?
No, they are not. Costs vary depending on the service provided and the geographic location where the service is rendered. Some programs offer fixed fee discounts based on local retail rates (i.e. dental fees vary by area of the country). Other programs, like precription, have the same discount throughout the entire country.

CARExpress has a specific discount for each procedure and for each provider, so there is never any question about how much you will save.

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Can I find out discounts on prescriptions in advance?
If you would like to know the exact price of a specific drug, please contact our customer service staff at
customerservice@carexpresshealth.com or 1-866-305-SAVE. You will need to provide the prescription name, quantity (number of pills) and dosage (milligrams per pill) to our Customer Service Representative. All of this information should be printed on your prescription bottle.

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What medications can be ordered through the Mail Order Pharmacy?
Maintenance medications for which you have a regular, ongoing prescription. You will save more if you have a prescription for at least a three month supply. If you ask your doctor, he will usually be able to provide you such a prescription.

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How do I locate a list of health care providers in my area?
You may use the Provider Locator on our website to find a health care provider in your area. Type in your Zip Code and choose a category of medical service from the drop-down menu. You will see a list of providers that meet these criteria.

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Is my doctor in the CARExpress network of health care providers?
Use the Provider Locator on our website to determine whether your doctor is part of the CARExpress network. Type in the doctor's last name, and CARExpress will search its provider database for your doctor.

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Can I nominate my local doctor or other provider for the CARExpress network?
CARExpress members are always welcome to recommend providers to the CARExpress network. Please use the Provider Referral Form on our website or call a Customer Service Representative Toll-Free at 1-866-305-SAVE, and we will contact your provider about joining our network. It generally takes 2-3 months to credential, contract, and enroll a new provider in the CARExpress network.

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What if I need to visit a doctor or have a prescription filled while I am on vacation?
Simply present your CARExpress card at a participating provider, and you will receive CARExpress discounts just as you would at home. The CARExpress card is honored at more than 1,000,000 providers nationwide. If you are planning a trip, it's a good idea to use the Provider Locator in advance to determine providers in the area you will be visiting.

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How do I take advantage of the CARExpress discounts?
After you have received your CARExpress membership card, simply present it to the participating provider. Your card identifies you as a network member, and you will automatically receive the discounts that have been negotiated for you.

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When do I receive the discount on medical services and products?
CARExpress provides an immediate discount on medical services and products. You never need to fill out any additional forms or wait for reimbursement.

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What is the advantage of using the CARExpress program in conjunction with insurance or Medicare?
CARExpress offers savings on services that may not be covered by insurance or Medicare (e.g. dental, pharmacy, vision, elective surgery, etc.) and CARExpress does not impose restrictions for age or medical conditions. In addition, CARExpress provides a choice of providers.

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Are there any restrictions imposed for medical conditions?
Unlike insurance, there are no restrictions on access to medical services due to health conditions. CARExpress welcomes all persons with uninsurable illnesses including terminal cancer, AIDS, muscular dystrophy, and other catostrophic illnesses.

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Are there any age restrictions on the CARExpress program?
There are no age restrictions on the CARExpress program. CARExpress also has many specialty services for newborn babies, children, and elderly persons.

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Is there a limit to the number of times I may visit a CARExpress provider?
There is no limit to the amount of times you may visit a CARExpress health care provider. We encourage you to use the card as often as possible to maximize your savings.

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Whom should I contact if I move and need to update my address in your records?
You may update your address by calling your customer service representative Toll-Free at 1-866-305-SAVE.

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How do I renew my membership?
CARExpress will mail you a renewal notice approximately 30-45 days before your membership expires. You may renew your membership by calling Toll-Free at 1-866-305-SAVE.

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How do I enroll if I don't want to sign up with CARExpress over the Internet?
Internet enrollment is easy, quick, and secure, but some people prefer more personal contact in the enrollment process. You can simply fill out the enrollment form and mail or fax it to us or call our toll-free number at 1-866-305-SAVE to speak directly to a Customer Service Representative about the CARExpress card.

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What if I am dissatisfied with the CARExpress card?
We hope that you will be completely satisfied with the CARExpress medical benefit program. At any time you should have a problem of any kind, just call our toll-free customer service Toll-Free at 1-866-305-SAVE. If you find our services do not meet your needs, simply return your complete membership kit and card within 30 days of purchase. We will refund the cost of the program in full.

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