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Telemedicine Products via UHCU Insurance Services, LLC.

Unexpected medical needs are often difficult to predict and terribly time consuming. Our telemedicine program provides access to quality medical care 24 hours a day, 7 days a week, 365 days a year, anywhere throughout the United States.

The approach is a very inexpensive alternative for non-emergency-related visits. Telemedicine is a great option to lower your health care costs by reducing your time away from work, school and family with quality medical access from your home, office or car.

Our telemedicine program's primary goal is to offer convenient care without sacrificing a credible diagnosis.

  • No waiting rooms
  • No copays per consultation
  • Unlimited usage for your family

1. Call a doctor

2. Get diagnosed

3. Pick up prescription

Rest easy knowing all physicians are credentialed by a national third-party credentialing agency in accordance with National Committee for Quality Assurance (NCQA) and Utilization Review Accreditation Committee (URAC) guidelines.


Get access to a doctor anytime, anywhere via phone call or email for only $14.95 per month.

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Telemedicine and Medical Bill Negotiation

Get access to a doctor anytime, anywhere via phone call or email plus your medical bills over $1,000 negotiated for only $19.95 per month.

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Telemedicine offers 24/7/365 access to a U.S. based board-certified physicians who can resolve routine medical issues by phone or online.

1-800MD does not replace the primary care physician. 1-800MD does not guarantee that a prescription will be written. 1-800MD operates subject to state regulation and may not be available in certain states. 1-800MD does not prescribe DEA controlled substances, non-therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. 1-800MD physicians reserve the right to deny care for potential misuse of services.

How do I contact a physician?

You simply call at 855.670.4090, Prompt 1, and you will speak to a customer service representative. They will ask you your name, the state that you are calling from and if you have an ID number. The representative will then ask what the purpose of the call is and they will determine if Telemedicine can indeed help your situation.

How long before I speak to a physician?

Your typical wait time is approximately 15 minutes, but the maximum time is two hours. It depends on the season and the time you are calling. For example, flu season is a busier time than the summer. Our goal is to have the best service and our promise is to always help you.

What are some of the common reasons people use telemedicine?

Common conditions include sinus problems, respiratory infection, allergies, urinary tract infection, cold and flu symptoms and many other non-emergency illnesses.

Can I be turned down for a pre-existing condition?

No. Our Telemedicine and Medical Bill Negotiation services are not insurance, and as such, there is no underwriting. You cannot be turned down for any medical reason.

Do I talk to "real" doctors when I call the Telemedicine service?

Yes. You will speak with actual doctors who are U.S. board-certified internists, state-licensed family practitioners and/or pediatricians licensed to practice medicine in the U.S. and living in the U.S.

Can I speak with a specialist?

At this time, our service does not give you access to speak with a specialist directly for Telemedicine purposes, but our doctors may be able to provide guidance on the type of specialist you should see. We always recommend seeking a specialist from your current primary care physician.

Is Telemedicine considered health insurance?

No. Telemedicine is not insurance. However, it can be used along your current health insurance plan that you have in place. Telemedicine is not a reimbursable expense to your current health insurance plan but does compliment your plan in place for the entire household.

Can the Telemedicine benefit handle my emergency situations?

No. Our services are designed to handle non-emergency medical problems only. You should not use our services if you are experiencing a medical emergency. Please dial 911 for immediate help if you are experiencing an emergency.

Can I get a prescription with the Telemedicine benefit?

There is never a guarantee that you will be prescribed a prescription by our doctors. It is up to the doctor to recommend the best treatment. Our doctors do not issue prescriptions for substances controlled by the DEA, non-therapeutic drugs and/or certain other drugs which may be harmful because of their potential for abuse. These include, but are not limited to, antidepressant drugs such as Cymbalta, Prozac and Zoloft. Also, non-therapeutic drugs such as Viagra and Cialis are not prescribed by our doctors.

How are prescriptions sent to the pharmacy?

The most efficient method is for you to let the customer service representative or the physician know where you want the prescription called in for the fastest service, if indeed you do need a prescription. If you don't know of a pharmacy, then the physician can look up the closest one to you or you can utilize the service within our mobile app based off of your current location.

What states is this service available in?

We proudly provide this service to residents in every state in the United States, except Arkansas. However, we do anticipate this to be available in Arkansas soon.

Telemedicine video consultations are not available in the states of Iowa, Louisiana, Missouri, Ohio and Texas. Prescriptions prescribed by a doctor via telemedicine in Georgia and California are limited to three days, though additional prescriptions may be prescribed as necessary with a follow up call.

What payment types do you accept?

We accept ACH payments only for Telemedicine.

How easy is it to cancel?

Though we would really hate to see you go, cancelling is very easy. We do not have any contracts. Your membership is on a month-to-month basis. Contact us before the end of the month and we will cancel effective the end of the current month. Your benefits and services will continue to be available to you until the end of the current month.

Who can I contact for general questions about the program?

You can send an email to or call 855.670.4090, Prompt 3. We try and answer all questions the same day or by the next morning.

Medical Bill Negotiation Services

Medical care is not only confusing and time consuming, but it is often very expensive. Our advisors know the impact of out-of-pocket costs on medical bills. We have unparalleled results in negotiating discounts with health care providers. As long as your medical bill out-of-pocket expenses total $1,000 or greater, our advisors will go to work for you to negotiate your medical bills. To speak with a Patient Advocate about your medical bills and for us to begin the negotiation process, please call: 855.670.4090, Prompt 2.

How do I get you involved in negotiating my medical bills?

Simply contact Member Services at 855.670.4090, Prompt 2, and advise the Member Advisor of your situation. They will open a case for you with the advocacy department who will speak with your providers and negotiate your bills. Once your bills have been negotiated, the advocacy department will advise you of any out-of-pocket costs that might remain.

How much do you charge for Medical Bill Negotiation services?

If your medical bills are not because of pre-existing condition(s), then your fee is $0. We do not charge a backend fee or a percentage of savings to our members. We believe that you should be able to keep all the savings if we are able to negotiate for you.

If I have large amounts of medical expenses, will that affect my membership?

Your membership will never be affected by the amount of medical expenses you have.

How valuable is this membership since the cost is so low?

Why spend your time, energy and resources negotiating medical bills when you can have us do it for you? We've been helping people with their medical bills for many years and we can help you. Because we work with a large number of people, we are able to pass along significant savings to everyone who would like to participate in our services.

Is there a minimum amount of medical bills in order to help negotiate my medical bills?

If you have an aggregate of $1,000 in medical bills (or $2,500 for pre-existing conditions prior to becoming a member) per incident, we can help. There is no guarantee that we will get any additional savings for you, but our goal is to get 20 to 40 percent in additional savings for members.

Medical Bill Mediation is not insurance and does not provide funds to pay for bills. This is a best-efforts service. Despite diligent efforts on behalf of members, some providers refuse to make accommodations to help resolve outstanding medical bills.

How long does it take to get an answer on a Medical Bill Negotiation you are working on?

That depends, as every case is unique. Your Member Advisor will discuss the anticipated timeline with you each time you open a case.

Is having Medical Bill Negotiation a good substitute for health insurance?

No. While we do help members get reductions on medical bills, reductions are not a substitute for health insurance coverage and reductions in your medical bills are never guaranteed.

Can I choose my own health care providers?

Yes. There are no "preferred providers" or required networks for you to go to in order for the Medical Bill negotiation service to work.

How are Member Benefits affected by the new federal health care law PPACA (Patient Protection and Affordable Care Act)?

Starting in 2014, the new law required individuals to purchase health insurance or pay a penalty. Telemedicine and Medical Bill Negotiation services do not exempt a person from complying with the new federal health care law nor do either of these services qualify as Minimum Essential Coverage.

I received an email from Echo Sign, Secure Message Center and/or Secure Web Mail. Are these emails legitimate and the links safe to click on?

Yes. We use EchoSign to send documents that require signatures. Electronic digital signatures allow us to serve you quickly and painlessly. Messages received from the Secure Message Center or Secure Web Mail requesting you to retrieve a message online is also legitimate. We encrypt certain email messages to ensure your private health information is protected, and this is how those messages are delivered.

Will you help me with issues that occurred before I became a member?

For a medical event prior to enrollment, bill reduction services can be provided for a non-refundable deposit of $200 – plus a fee of 20 percent of the actual medical bill savings. The medical bill(s) must total $2,500 or more and be related to a single medical incident. If you would like more information on this service to please call 855.670.4090, Prompt 2. Let the customer service representative know of your situation.

This sounds very useful, but how do you protect my information?

We are very, very careful with your identity and personal information. We have taken security measures beyond even what HIPAA and industry best practices require. We promise to never share or sell your information to third-parties or spam you.

What states is this service available in?

We happily provide our services in every state in the United States.

UHCU Insurance Services, LLC. is a Credit Union Service Organization. Business conducted with UHCU Insurance Services, LLC. is separate and distinct from any business conducted with United Heritage Credit Union, its parent Credit Union. Insurance products offered by UHCU Insurance Services, LLC. are not (i) deposits of United Heritage Credit Union, its parent Credit Union or its partner Alloy Insurance Partners, therefore are not protected by the NCUA and are not exclusive to Credit Union members and (ii) an obligation of or guaranteed by UHCU Insurance Services, LLC., its parent Credit Union or its partner and may be subject to risk. Any insurance required as a condition of an extension of credit by United Heritage Credit Union need not be purchased from UHCU Insurance Services, LLC. and may be purchased from an agent or insurance company of the member’s choice.

Household is defined as the enrollee plus six household dependents. By signing up for Telemedicine and/or Telemedicine and Medical Bill Negotiation offered via UHCU Insurance Services, LLC., I hereby authorize CBS, LLC (dba "Member Benefits") to deduct the appropriate premiums from my account monthly on or around the calendar date of my enrollment. This authorization is to remain valid until Member Benefits has received written notice directly from me of its termination. Further, by signing up for Telemedicine and/or Telemedicine and Medical Bill Negotiation offered via UHCU Insurance Services, LLC. I accept and understand Member Benefits' Privacy Statement. By signing up for Telemedicine and/or Telemedicine and Medical Bill Negotiation offered via UHCU Insurance Services, LLC., I hereby authorize my Financial Institution to release any private information, including account number or non-public information directly to Member Benefits as necessary to process this Enrollment Form in the event I did not disclose the required information or it is not legible. I understand the charge will show up on my bank statement as My Benefit Services. I further declare that I understand and accept the sales organization's terms and conditions.

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