Americans For Financial Security

Health Benefits

AFS Members have access to benefits to help you cope with skyrocketing health care costs and maintain an active, healthy lifestyle.

Benefits List

In the event of an emergency, Independence Members receive up to $200 in ambulance coverage for actual expenses incurred for the use of the Ground Ambulance Service Benefit. Reimbursement includes one trip per year to or from a Hospital as a result of an accident or sickness. This benefit is included in the cost of your membership.

This coverage provides:

  • $200 benefit maximum
  • Ground Ambulance Service to or from hospital as a result of accident or sickness
  • One trip per year

Administered by EnvisionSavings

The Association Rx Card network includes over 60,000 pharmacies throughout the U.S. The network includes national chains as well as thousands of independent pharmacies. Up to 65% savings on generic medications with overall average savings of 40% across brand and generic medications combined.

Choose one of two programs:

  • Individual - $13.95 per month
  • Family - $23.95 per month

Visit* for more details on drug pricing and participating pharmacies.

*THIS IS NOT INSURANCE – DISCOUNTS ONLY. THIS IS NOT A MEDICARE PRESCRIPTION DRUG PLAN.*. This program does not meet the minimum creditable coverage requirements under M.G.L.c.111M and 956 CMR 5.00. The program provides discounts at participating pharmacies for prescription drugs. The range of discounts will vary depending on the pharmacy and prescription drug. The program does not make payments directly to the participating pharmacies. Program members are obligated to pay for 100% of the purchase price of all prescription drugs but will receive a discount from participating pharmacies that have contracted with the program. You may access a list of participating pharmacies at ASSOCIATIONRXCARD.COM. Upon request the program will make available a written list of participating pharmacies. *Medicare statement applies to MD residents where pharmacy discounts are part of the program. Pricing and tier positions are subject to change without notice. Pricing and tier positions are only for quantities stated; additional quantities may incur higher costs. Members may cancel the Association Rx Card program within thirty (30) days of joining the program and shall be refunded any and all program fees paid during the initial program membership. Not available in SC, MD, OR, CA, WA.

Administered by Careington International Corporation

AFS Members can save 15% to 60% on virtually all dental procedures. Since the dental program is administered by Careington International Corporation, you now have access to one of the largest dental networks nationwide. Members will pay the discounted rate at the time of service. Please read the program instructions carefully to maximize your savings.

  • Receive unlimited access to care with no limits on the number of visits.
  • Procedures range from cleanings and fillings to root canals and crowns.
  • Orthodontics are available for both children and adults.
  • All dentists must meet highly selective credentialing standards.
  • Visit any participating dentist on the plan and change providers at any time. Work in progress must be completed by the provider who started the initial work.
  • Payments are set according to a schedule of services and fees are due at time of service.

To locate a provider, visit

Note: Percentage of savings may vary by location and procedure.

The Discount Dental Plan is available for:

  • Individuals = $8 per month
  • Families = $12 per month

The Liberty Membership plan includes the Discount Dental Plan at no additional cost. Visit the Plans page for more information

THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance. This plan does not meet the minimum creditable coverage requirements under M.G.L. c.111M and 956 CMR 5.00. This plan is not a Qualified Health Plan under the Affordable Care Act. This is not a Medicare prescription drug plan. The range of discounts will vary depending on the type of provider and service. The plan does not pay providers directly. Plan members must pay for all services but will receive a discount from participating providers. The list of participating providers is at A written list of participating providers is available upon request. You may cancel within the first 30 days after effective date or receipt of membership materials (whichever is later) and receive a full refund, less a nominal processing fee (nominal fee for MD residents is $5, AR and TN residents will be refunded processing fee). Discount Plan Organization and administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone 800-441-0380.

This plan is not available in Vermont or Washington.

Serious medical conditions such as heart disease, prostate cancer, diabetes, thyroid disease and more, can go undetected for up to two years - without noticeable symptoms. The earlier a problem is detected, the easier and more likely it is to be treatable. You now have direct access to major clinical labs across the USA for those important blood tests – and at discounted prices. Take charge of your health and fitness today!

It is simple: a doctor's appointment is not necessary. All blood tests offered at a savings of up to 80% off typical lab costs and through the same CLIA-certified accredited labs used by your physician.

DirectLabs® services include: Lab, blood, urine, saliva, hair, and fecal tests.

This benefit is not available in MD, NJ, NY and RI.

The EPIC Hearing Service Plan (HSP) is a program offered to members for hearing diagnostics and evaluation, and for hearing aids. There are no monthly premiums, no enrollment forms, nor any access fees. Simply call the toll-free number for referral to a qualified hearing care professional, and enjoy quality care at fixed and pre-negotiated prices for all hearing care needs.

As a voluntary program, EPIC HSP has no enrollment restrictions and is available to all members of the extended family. The toll-free hotline connects you to an EPIC professional ready to answer all questions and to guide you through the hearing care process. No forms and no upfront fees – just access to care at fixed, low prices. Members and their families will save 20% – 60% off manufacturer brand products.

In addition, EPIC's battery program will ship batteries directly to your home. The cost savings is greater than 40% from standard retail store pricing.

Note: EPIC Hearing Service Plan is not insurance but EPIC will coordinate any Managed Medicare or Insurance supplemental programs to help reduce your out-of-pocket expense.

Most of us travel without knowing where to turn during a medical emergency away from home. But Assist America provides you with peace of mind for worry-free travel, knowing you are protected by an array of powerful assistance resources 24/7, anywhere in the world.

The following benefits are available to AFS Members at no additional cost when traveling 100 or more miles from home:

  • Medical Consultation - Assist America’s 24/7 Operations Center is staffed by trained, multilingual assistance personnel who can make immediate recommendations for any emergency situation.
  • Foreign Hospital Admission Assistance - Assist America fosters prompt hospital admission by validating the member’s health insurance.
  • Emergency Medical Evacuation - If appropriate care is not available, Assist America will safely evacuate the member to the nearest qualified medical facility.
  • Medical Repatriation - When a member is medically cleared for travel, Assist America arranges and pays for repatriation home or to a specified medical or rehabilitation facility via commercial transportation with medical supervision, as required.
  • Prescription Assistance - When a prescription is lost or left behind, Assist America works with the prescribing physician and a local pharmacy to replace the member’s medicine.
  • Compassionate Visit - Assist America will arrange and pay for a family member or a friend to join a member who is traveling alone and is expected to be hospitalized for more than seven days.
  • Care of Minor Children - If an injured member has minor children left unattended, Assist America will pay for them to return home to a family member, or will arrange childcare locally or at home.
  • Return of Mortal Remains - In the event that a member passes away, Assist America will arrange and pay for the required documents, preparation of the remains and transport to a funeral home near the member’s place of residence.

Many other services are available, including emergency trauma counseling, legal referrals, and much more.

Call Assist America in the event of an emergency. All services must be arranged and provided by Assist America. No claims for reimbursement will be accepted.

All services must be arranged and provided by Assist America. No claims for reimbursement of assistance services will be accepted. Assist America pays for all the transportation services it arranges. Requests for reimbursement for medical transport or other services arranged independently by the member will not be accepted. Assist America is not responsible for the cost of medical treatments and other non-medical services received by the member upon a referral made by Assist America.

Instant Care, a leading provider of Personal Emergency Response Systems, will provide you 24/7 Emergency Response (fire, police, medical) when you need it and 24-hour access to a Nurse Helpline. This valuable service helps prevent medical emergencies, reduces health care costs, and promotes independence for those who live alone.

AFS Members pay only $31.96 per month, a 20% discount.

AFS Independence Membership provides you and your spouse* with Member and Dependent Group Term Life Insurance Coverage from Metropolitan Life Insurance Company (MetLife). No additional contribution is required in order for this insurance protection to be provided.

Member Term Life Insurance Coverage

  • Primary Member - $5,000
  • Spouse* - $2,500

A 120-day waiting period is required. At age 60 group life insurance benefits reduce 75% and then cancel at age 65. In certain circumstances a conversion privilege to an individual policy may apply (subject to changes from group coverage in terms and conditions including changes in premium costs).

Members may designate a beneficiary for their life insurance benefits by filling out and returning a Beneficiary Designation Form.

Like most group life insurance policies, MetLife group policies contain certain exclusions, limitations, terms and conditions for keeping them in force. Please contact Americans for Financial Security Member Services for complete details or to obtain a copy of the policy.

Coverage is provided through a group life insurance policy issued by Metropolitan Life Insurance Company, New York, N.Y. (MetLife) to the Americans for Financial Security, Group Policy (Form GPNP99-ASSN) sitused in the District of Columbia, with certificates of insurance (Form GCERT2000) issued to each insured Member. Life insurance coverage of members in other states will be subject to any applicable legal requirements of such states.

*Coverage for Spouse not available with Independence Single Membership.

Not available in ME, WA.

Imagine the convenience and safety of having prescription medications delivered right to your door. For a new prescription, simply send in a completed mail service order form along with the original prescription from your doctor and any applicable payment.

  • No deductibles
  • No annual maximums
  • No drug exclusions
  • No claim forms to file
  • Order refills via phone or online
  • Receive new prescriptions within 14 business days
  • Save on 90-day supplies of your maintenance prescription drugs, like those used for high blood pressure or allergies


If you experience a medical emergency, a subscription to My Notification Service will notify your friends and family, and apprise medical staff of your current medications and conditions you may have. Members will receive a wallet ID card and stickers for the back of a license or photo ID. Services include:

  • Notification of up to nine contacts -- such as family, friends, or business associates -- by phone, text message, or email
  • Forwarding of potentially life-saving medical information to any hospital to assist in your treatment

AFS Members save 40% off retail and pay a low annual rate of only $35.97 per person. Other plans and rate options are available.

Teladoc is a national network of board certified physicians providing cross coverage consultations 24 hours a day, 365 days a year. Teladoc physicians use electronic health records and telephone consultations to diagnose, recommend treatment and write short-term prescriptions. Teladoc does not replace the existing primary care physician relationship, but instead enhances it with an efficient, cost-effective alternative for minor medical problems.

You can access this service wherever you happen to be: your home, office, hotel room, or vacation campsite. Simply make a phone call, and in most cases, speak to a doctor in less than an hour.

Call Teladoc:

  • When your physician is not available
  • For non-emergent medical care
  • After normal hours of operation
  • When on vacation or a business trip
  • For second opinions

Teladoc treats conditions like:

  • Sinus infections
  • Respiratory conditions
  • Urinary tract infections
  • Allergies
  • Bronchitis
  • Sore throat
  • Pink eye
  • Cold or flu

©2019 Teladoc, Inc. All rights reserved. Teladoc and the Teladoc logo are trademarks of Teladoc, Inc. and may not be used without written permission. Teladoc does not replace the primary care physician. Teladoc does not guarantee that a prescription will be written. Teladoc operates subject to state regulation and may not be available in certain states. Teladoc does not prescribe DEA controlled substances, nontherapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. Teladoc physicians reserve the right to deny care for potential misuse of services.

Video consults only in ID. In AR and DE, the first visit must be by video and future visits can be by phone or video.

Teladoc Health’s personalized online consults for only an $85 Consult fee.

Upload images of a skin issue online or on the Teladoc app and get a custom treatment plan within two days. Treatment for:

  • Acne
  • Eczema
  • Raised moles
  • Rashes
  • Rosacea
  • And more

How it works:

  • Download the Teladoc app or go online to set up your account or log in,
  • Complete or update a brief medical history
  • Upload images on the app or web and ask questions for up to seven days after you receive your custom diagnosis and treatment plan

Stay healthy or manage a condition by phone or video for only an $59 Consult fee.

With Teladoc’s Nutrition Counseling, you can talk to a registered dietician by phone or video seven days a week (7 a.m. to 9 p.m. local time). We help with

  • Weight management
  • Diabetes
  • High blood pressure
  • Prenatal dieting
  • Other health conditions

How it works:

  • Download the Teladoc app or go online to set up your account or log in,
  • Complete or update a brief medical history
  • Request a visit and talk to a nutritionist by appointment.
The benefits explained herein are offered at the sole discretion of AFS and may vary by availability, package option, vendor, and state of residence. Vendors reserve the right to withdraw or change offers without notice. Restrictions and limitations may apply. Please contact AFS for state availability. Benefits are updated periodically and Members should check the Web site ( or call AFS Member Services (1-800-492-1016) for the latest information.