Health Benefits

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

An AFS Access or Independence Membership can provide you and your family members with Accidental Death Benefits (ADB). The Common Carrier benefit will be paid in lieu of any other benefits for Accidental Death.

Access Membership - Primary Member Only

  • Accidental Death Benefit - $2,500
  • Common Carrier ADB - $10,000

Independence Single Membership - Primary Member Only

  • Accidental Death Benefit - $40,000
  • Common Carrier ADB - $60,000

Independence Family Membership

  • Accidental Death Benefit
    • Primary Member - $40,000
    • Spouse - $20,000
    • Dependent Children - $5,000
  • Common Carrier ADB
    • Primary Member - $60,000
    • Spouse - $20,000
    • Dependent Children - $20,000

This benefit is not available in MD, ME, NC, NM, and SD.

Common Carrier Accidental Death pays a benefit if you suffer an accidental death while in, entering or exiting a motorized land, water or air conveyance, operated by an organization other than the Policyholder; organized and licensed for the transportation of passengers for hire and operated by an employee or an individual under contract.

The preceding is meant to be a brief description only. The policy contains certain limitations, reductions, and exclusions. Please refer to the policy for complete coverage details. Coverage may not be available in all states. Insurance is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. Actual coverage is subject to the language of the policy as issued (Policy # 9907-08-33). Chubb, Box 1615, Warren, NJ 07061-1615.

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.

As an Independence Member you, your spouse and dependents have access to reimbursement up to $4,000 per person for medical evacuation or return of mortal remains if an injury or illness occurs. This service is included in the cost of membership.

Coverage not available in MD, ME, NC, NM, SD

Emergency Helicopter Transportation benefit provides coverage for medical evacuation or return or mortal remains if injury or illness occurs while such person is more than one (1) mile from his/her primary residence. The medical evacuation or repatriation must be ordered by a physician or local Emergency Medical Services (EMS) personnel.

The preceding is only meant to be a brief summary and is not a contract. The policy contains certain limitations, reductions, and exclusions. If there are any conflicts between this document and the policy, the policy shall govern. Please refer to the policy for complete coverage details. Coverage may not be available in all states. Insurance is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. This literature is description only. Actual coverage is subject to the language of the policy as issued (Policy # 9907-08-33). Exclusions Apply. Chubb, Box 1615, Warren, NJ 07061-1615.

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.

As part of your membership benefits, we are pleased to offer the ExtraCare® Health Card, a valuable benefit that may save you and your family hundreds of dollars every year.

You may be familiar with the CVS ExtraCare "red card" available to all CVS customers. The ExtraCare Health Card program is available to members only and provides all the benefits of the "red card" plus an additional 20% discount on CVS Health brand healthcare items that are not already discounted.

AFS Members will receive a welcome letter with a web link to start the 20% discount activation process If you already have the ExtraCare red card, you can link the two programs and take advantage of all the benefits available in both programs. If you don’t have the ExtraCare red card, your welcome letter from CVS will give you instructions on how to set up an account.

Members will receive a 20% discount* off of thousands of CVS Pharmacy® brand health-related items valued at 1$ or more (excluding sale items) at any of the more than 6,300 CVS Pharmacy stores nationwide, online at or by accessing the CVS mobile app. Eligible items include:

  • Allergy Remedies
  • Cold Remedies
  • Pain Relievers
  • Stomach Remedies
  • First Aid
  • Eye and Ear Care
  • Baby Care
  • Home Diagnostics

CVS Pharmacy brands are of the same high quality as national brands but cost much less. Members can save 20% - 40% as compared to a national brand when using the ExtraCare Health Card to purchase the already low priced CVS Pharmacy brand health-related products.

*The 20% discount is restricted to items purchased for the health card of the cardholder only and applies to regularly priced CVS Health Brand health-related items valued at $1 or more. Your ExtraCare® Health Benefit may not be used in Target stores including those with a CVS Pharmacy® in them. Excludes alcohol, lottery, money orders, prescriptions and copays, pseudoephedrine/ephedrine products, postage stamps, pre-paid cards, gift cards, newspapers and magazines, milk (where required by law or regulation), bottle deposits, bus passes, hunting and fishing licenses, any imposed governmental fees, or items reimbursed by a government health plan.

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 - Calls to Assist America are evaluated by medical staff and referred to English-speaking doctors and/or hospitals.
  • Hospital Admission Assistance - Assist America will assist with hospital admission outside the United States by validating a member's health coverage or advancing funds to the hospital.
  • Emergency Medical Evacuation - Assist America will utilize whatever mode of transport, equipment and medical personnel necessary to evacuate you to the nearest facility capable of providing a high standard of care.
  • Medical Repatriation - If a member still requires medical assistance upon being discharged from a hospital, Assist America will repatriate him/her home or to a rehabilitation facility with a medical or non-medical escort, as necessary.
  • Prescription Assistance - If a member needs a replacement prescription while traveling, Assist America will help in filling that prescription.
  • Compassionate Visit - If a member is traveling alone and will be hospitalized for more than seven days, Assist America will provide economy, round-trip, common carrier transportation to the place of hospitalization for a designated family member or friend.
  • Care of Minor Children - Assist America will arrange for the care of children left unattended as a result of a medical emergency and pay for any transportation costs involved in such arrangements.

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.

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

All Assist America services are subject to certain restrictions and are outlined in detail in the Assist America Medical Transport Summary (which supersedes all prior Assist America/Care by Air information). The above information is a partial explanation of these services, offered at the sole discretion of AFS. AFS reserves the right to withdraw or change this offer without notice.

Assist America pays for all of the assistance services it arranges and provides. No claims for reimbursement will be accepted.

It can be a financial strain to be hospitalized for any length of time due to an accident. As an Independence Member, you can rest easier knowing that you have a hospital confinement benefit for accidents included as a part of your membership package. In the event of a covered in-patient stay, you and your family's benefit dollars can be used wherever you need it the most.

Accident Only In-Hospital Benefits:

  • Principal Member - $600/day
  • Spouse/Domestic Partner* - $500/day
  • Dependent Children* - $400/day
  • Max. Days Per Year - 100 days
  • Benefit Begins - 2nd Consecutive Day - Retroactive to 1st
  • Waiting Period - N/A; must be confined two days
  • Exclusion/Pre-Existing Conditions - N/A

*Coverage for Spouse and Dependent Children not available with Independence Single Membership.

A covered person is limited to one eligibility either as 1) Primary Member OR 2) Spouse OR 3) dependent child.

Coverage not available in: CO, MD, ME, NC, ND, NH, NJ, NM, NY, SD, VT, WA

*Accident Only In-Hospital benefits are payable if a covered accident results in you being confined to a hospital. If an insured person is age 70 or older on the date of an Accident then the Benefit Amount for Accident Only In-Hospital benefits will be reduced 50% of the Benefit Amount shown above. Accident Only In-Hospital benefits may not be available in all states.

The preceding is only meant to be a brief summary and is not a contract. The policy contains certain limitations, reductions, and exclusions. If there are any conflicts between this document and the policy, the policy shall govern. Please refer to the policy for complete coverage details. Coverage may not be available in all states. Insurance is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. This literature is description only. Actual coverage is subject to the language of the policy as issued (Policy # 9907-08-34). Exclusions Apply. Chubb, Box 1615, Warren, NJ 07061-1

Day(s) of Confinement means a day of hospital confinement as an inpatient.

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


MEDPro provides prescription assistance services to individuals and families in need of relief from paying retail costs for medications. Many individuals and families without prescription coverage, limited prescription coverage or having a medical hardship, have difficulty paying for their medications and don’t know where to get help. Prescription Assistance Programs alone cannot solve all the problems facing the uninsured or underinsured but it can help ease the financial burden many face with the high cost of prescription medications.

You can count on MEDPro to:

  • Conduct an initial evaluation of your particular situation
  • Match your individual prescriptions to the appropriate programs
  • Review and verify the eligibility requirements for each program
  • Let you know the options and recommend the programs that meet your needs

With the MEDPro program Association members will have access to over 4,000 medications – 70% more than MEDPro’s competitors. Medications are purchased in a 90 day supply but some are available in a 30 day supply.

Qualification is based on income and when you apply you will receive a complimentary case evaluation. The approval process takes 24 - 48 hours. Once approved in the program, there will be a one-time setup fee of $25 . You will next receive an enrollment packet to complete and return to MedPro. When MedPro receives your completed enrollment forms, the remainder of the enrollment process takes 4 to 6 weeks. The program is ongoing for 12 months, after which time you will need to re-enroll* and re-verify income. An administrative fee of $20 per medication will be charged each month. The average customer purchases 3 to 5 medications per month.

This is not an insurance program. MEDPro is an administrative services company only. Information provided is utilized for these programs only.

*A $20 enrollment fee will apply.

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 $17.97 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.

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.