LifeExec Advantage Benefits FAQ

LifeExec Dental benefits are powered by Aetna Dental Access, which means you can save 15 - 50 % off on over 262,000 dental practice locations nationwide. You can save on dental services such as cleaning, x-rays, crowns, root canal, filling, orthodontics, periodontics, and more.

Please use the prescription lookup to view the discount you would receive through LifeExec Advantage Wellness Plus, Wellness, or Mental Health program.

You'll be able to search by prescription, amount of refills, and zip code.

• 20% to 60% off Prescription Eyeglasses: This includes frames, lenses, and specialty items to cater to your specific needs.
• 10% to 40% off Soft Contact Lenses: Our partnership with America's Eyewear mail order service ensures savings on disposables and other types of lenses.
• 10% to 30% off Medical Eye Exams and Surgical Procedures: Your eye health is crucial, and we offer discounted rates for comprehensive eye exams and surgical procedures.
• 40% to 50% off Laser Surgery: If you're considering laser surgery, our benefits provide savings that are 40% to 50% below the overall national average.

Please note that our benefits do not cover any out-of-network provider visits or offer reimbursement for such visits. We understand the importance of accessing quality healthcare, which is why we have a vast network of providers available to our members. By staying within the network, our members can take advantage of negotiated rates and cost savings while receiving top-notch care.

Note: Urgent Care, Emergency Room, and all other services under the Accident program are offered as an indemnity program. Members can use this benefit at any location in the US.

Common conditions include colds, flu, poison ivy, respiratory infections, bronchitis, pink eye, sinus problems, allergies, unusual pains, urinary tract infections, and ear infections.

LifeExec Advantage benefits are an excellent choice to complement your Medicare plan. Advantage Wellness packages include telehealth services, dental, and vision care, along with pharmaceutical discounts on all prescriptions, not just generic ones.

Use Advantage Wellness to save 40%-75% on usual charges for MRI and CT Scans at thousands of credentialed radiology centers nationwide. You will be referred to a certified radiologist baed on condition, preferences, and location.

Yes. Save 40-75% on usual charges on ultrasounds, X-rays, colonoscopies, mammograms, upper endoscopy, GI consults, and more

The program is accessible through 5 Star Insurance. We will provide a toll-free support line for live assistance. Medical expense payments are typically distributed within 5-7 days.

Coverage varies depending on the type of accident and treatments. Treatment reimbursements are specifically defined and paid according to the policy coverage. Learn more about coverage here.

Usage limitations are defined in the policy coverage.

Any US-based urgent care, emergency room, and licensed medical facilities can provide accident care. Services under the Accident program are offered as an indemnity program. Members are reimbursed for related expenses. Payments are typically distributed within 5-7 days of submission.

No, members must contact our Patient Advocacy Line to schedule an appointment.

The network is physician-owned. It includes +15,000 doctors throughout the US and grows every month. The physicians do not publish a list, like traditional PPOs, to reduce unwanted calls, prevent walk-ins, and the eliminate patient frustration. Instead, healthcare concierge have direct access to physician calendars so they know which doctors are currently seeing new patients and have availability on their schedules. The result is a streamlined process that gets members to the best physicians within 24-48 hours. 

• Everything Begins With a Phone Call. For scheduling appointment, you'll call our Patient Advocacy Line. Based upon the member's symptoms or needs, medical staff will provide direct primary care options for an in-office appointment with a board-certified physician or urgent care facility (in-office appointments only available within business house of 7am to 6pm CST).
• Once the member chooses the option they would like to pursue, medical staff will schedule the appointment.
• The member is responsible for the visit fees associated with their care ($10 primary care of $25 urgent care). At the appointment, the physician will treat the member and prescribe medication if necessary.

You can certainly request to see the same physician for another appointment when you call the Patient Advocacy Line. However, please note that requesting to see the same physician does not guarantee that you will be able to secure an appointment within the 24-48 hour window.

Note: Urgent Care, Emergency Room, and all other services under the Accident program are offered as an indemnity program. Members can use this benefit at any location in the US.

While Advantage Premium detects, treats, and manages 13 of the most prevalent chronic disease states, we do not provide specialty care outside our partner-physician clinics. If a member currently sees a specialist for an advanced disease state, we do not recommend leaving that specialist.

Advantage Wellness Complete will be available for registration July 1^st for an August 1^st start date.

Advantage Wellness Complete ensures compliance with ACA requirements for Minimum Essential Coverage (MEC) and Minimum Value Plans (MVP), as mandated by the IRS for Applicable Large Employers (with 50 or more full-time equivalent employees) under the Affordable Care Act. Failure to provide ACA qualified healthcare programs may result in hefty fines. For instance, as of 2024, Penalty A imposes a fine of $247.50 per employee per month for all employees, less 30, for not providing minimum essential coverage (MEC). On the other hand, Penalty B results in a monthly fine of $360 for each employee who acquires Healthcare.gov insurance and was not offered an MVP at a rate of less than 9.61% of the employee's total household income.

Employers can mitigate their exposure to these penalties by providing access to LifeExec Advantage Wellness Complete—without any purchase obligations for the employer or employee. Additionally, to eliminate the risk of Penalty B, employers can offer Advantage Wellness Complete at a rate less than 9.61% of household income. For example, for a full-time employee earning $20 per hour for 40 hours per week, the maximum they could pay is $384 per month, with any difference being supplemented by the employer. By covering 50% of AWC, employers can minimize the risk of Penalty B to at least the federal minimum wage, based on a minimum full-time equivalent hourly commitment.

Advantage Wellness Complete is not a traditional Medigap Insurance or Medicare A program. Advantage Wellness Complete can be purchased by anyone 69 years and younger. The policy life extends to age 120 years of age.

Advantage Wellness Complete ensures compliance with ACA requirements for Minimum Essential Coverage (MEC) and Minimum Value Plans (MVP), as mandated by the IRS for Applicable Large Employers (with 50 or more full-time equivalent employees) under the Affordable Care Act. Failure to provide ACA qualified healthcare programs may result in hefty fines. For instance, as of 2024, Penalty A imposes a fine of $247.50 per employee per month for all employees, less 30, for not providing minimum essential coverage (MEC). On the other hand, Penalty B results in a monthly fine of $360 for each employee who acquires Healthcare.gov insurance and was not offered an MVP at a rate of less than 9.61% of the employee's total household income.

Employers can mitigate their exposure to these penalties by providing access to LifeExec Advantage Wellness Complete—without any purchase obligations for the employer or employee. Additionally, to eliminate the risk of Penalty B, employers can offer Advantage Wellness Complete at a rate less than 9.61% of household income. For example, for a full-time employee earning $20 per hour for 40 hours per week, the maximum they could pay is $384 per month, with any difference being supplemented by the employer. By covering 50% of AWC, employers can minimize the risk of Penalty B to at least the federal minimum wage, based on a minimum full-time equivalent hourly commitment.

The specialized major medical fund designed to provide comprehensive coverage for major medical expenses. These expenses can arise from three categories - Accidents and Injuries, Terminal Illnesses, and Mental Disabilities.

Accidents and Injuries expenses are primarily covered by insurance, but in case of any overages, members can make use of the major medical policy. To qualify, the injury must impact two normal activities of daily living (ADLs) or be life-threatening. Typically, members can withdraw around $3000 - $4000 for coverage. For example, a broken arm or leg would qualify as a loss of ADLs.

There are 6 ADLs: Bathing, Toileting, Dressing, Mobility, Feeding, Transferring

Terminal illnesses such as cancer and heart disease are also covered. In these situations, members can access up to $30,000 as a one-time payment, along with an additional monthly withdrawal of $3000 - $4000.

For mental disabilities, a formal diagnosis like Alzheimer's or dementia is required. Members suffering from these conditions are entitled to receive $3000 - $4000 per month. This coverage is provided in addition to any long-term care insurance for home care or skilled nursing services.

At LifeExec, we prioritize the well-being and financial security of our members - ensuring adequate coverage for unforeseen medical circumstances.

Advantage Wellness Complete is available through the LifeExec Advantage Association (LEA). Members must be residents of the US. Coverage is available to LEA Members in all 50 US states.

Advantage Wellness Complete provides a free dental exam and emergency dental procedures. AWC is not dental insurance and does not cover common procedures like cleanings, fillings, root canals, or orthodontics.

To reduce premium costs, Advantage Wellness Complete excludes childbirth coverage. A special program for childbirth and pregnancy will be offered separately at a later date. 

Advantage Wellness Complete does not offer an HSA or FSA program. Medical expense financing and pretax incentive programs will be offered separately at a later date. 

Yes. LifeExec Advantage Protect includes immigration legal consultations.

Yes. The discounted fee for a residential real estate closing includes a free initial consultation and the review of the member’s purchase or sales agreement. Additionally, the plan attorney will provide one hour of representation at the closing for the purchase or sale of residential real estate. Additional hours will be billed at the guaranteed low hourly rate. All research including Title insurance, liens, deeds, property judgments, flood, hazard, or mortgage insurance, and fees associated with filing real estate documents in your state are not included in the definition or covered by this discounted rate. Additional work will always be done at the guaranteed low hourly rate ($125 an hour or 40% off their hourly rate, whichever is greater).

Advantage Protect ensures coverage throughout the US as all services are provided virtually, eliminating the need for physical locations.

Yes. This program is offered as a family plan. All benefits include the member, spouse/partner, and all dependents up to 26 years old.