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Frequently Asked Questions |
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Questions?Below is a list of Frequently Asked Questions and Answers. If the list does not answer your question, please contact us for further assistance.
Why should I join American Resource Management? To save money! ARM provides you with a whole range of discounts on various products and services. You are probably purchasing many of these from other sources already. ARM offers you valuable discounts on these items that can more than pay for the membership cost many times over. ARM gives you the purchasing clout of a large organization. It is designed to help individuals, families, employers and employees. What are Benefits? These are the membership benefits that you receive as a Member of the Association. These benefits provide access and discounts to healthcare providers and other non-insurance services. Our goal is to bring unsurpassed service, affordable pricing and outstanding quality to your healthcare needs. These are not insurance products and do not provide indemnity to members. We are a supplement to primary insurance, or a means of offsetting the cost of services not covered by insurance. What are Products? These are programs that are available to you as a Member of the Association. How do I know if a provider is in my area? ARM Association benefits are available throughout the United States. We have established the most comprehensive network of benefit providers available today. We have "blended" the multiple provider networks available for each benefit, offering members coverage in nearly every locale. What kind of discounts will I receive? The benefit discounts range from 10% - 60%. There are absolutely no gimmicks or fine print. The contracted discounted price will vary slightly by individual provider. Can I add a provider to the network of providers? Contact the Association for a Provider Nomination form. You may nominate your provider by filling out the form and forwarding it on to the address located on the form. We will be more than happy to invite your provider to apply for participation in our provider network. This process is a courtesy to our member, but is not a guarantee that your provider will agree to provide said discounts. When can I begin using Benefits? Members can use their benefits as soon as they receive their fulfillment kit. The kit usually arrives within 2 weeks of signup. Who is eligible and are there any restrictions? Employer groups and their Employees are eligible to apply. There are no restrictions due to pre-existing conditions, occupation or age. What are the costs? The cost is dependent on the Benefit and Product program offered. ARM Association can customize any program to meet an Employer and its Employee's. Due to our provider partnerships, we offer the most competitive pricing in the industry. When do my Benefits and Products take effect? Memberships (and the accompanying Benefits) will go into effect immediately after processing your account information. You will then receive your complete Membership Guide with your Membership ID Cards in the mail within two weeks. Please check with your Employee Benefits Coordinator for your effective date for Products. How do I use the Benefits? Step 1: You will receive your Membership ID card and Membership Guide in the mail. Included in the back of your Membership Guide is a listing of participating Providers in your area. You may also call the toll-free number listed on your membership card or visit our website. Step 2: Follow the instructions in your Membership Guide and on the back of your membership ID card to confirm participation of the Provider you have selected prior to making your appointment with the Provider. Step 3: When you visit the Provider, identify yourself by showing your Membership ID card. Have your provider call the number listed on the back of your card corresponding to the service being rendered if they need to verify your benefits. Step 4: See the savings immediately applied to your visit! Members will be asked to pay at the time services are rendered. Do I have to file a claim form to get the Benefit savings? No. There are no claim forms or other paperwork to file. Most providers will provide you with the network price immediately during your visit. What if there is a pre-existing condition? There are no limitations on the use of the Benefits program, regardless of previous or current health condition. There are also no waiting periods or annual or lifetime maximums. For Insurance Products, please refer to your Certificate of Coverage for treatment of pre-existing conditions. If you have any questions, please call the number listed on your ID Card. Are there any drugs excluded with your pharmacy plan? No. Unlike some other programs, our program is "open formulary", meaning that a doctor may prescribe the most suitable medication to treat a particular ailment or condition. |
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