Members / What’s in Your Plan? / Thrive Plan
Dental
Dental
Getting regular dental care is important not only for your teeth and gums, but your overall health.
- No annual benefit maximum for Diagnostic and Preventive services, such as oral exams, cleanings, and X-rays. (Frequency and visit limits apply.)
- $100 annual deductible for Comprehensive dental services.
- $1,000 annual benefit maximum for Comprehensive dental services.
- Members must use an FCL Dental participating dental provider.
- Visit our Find a Provider page to find an FCL Dental provider.
- For claims questions, call FCL Dental at 1-866-756-4470.
- Please refer to your Evidence of Coverage for details on covered services.
Vision
Vision
Healthy eyes and vision are important to your well-being.
- $0 copay for routine eye exam with a VSP provider. One per year.
- $0 copay for glaucoma screening.
- $250 annual eyewear allowance for frames or contact lenses.
- $0 copay for lens upgrades (standard progressive lenses, polycarbonate lenses, UV protection, and scratch-resistant coating).
- Members can use their eyewear allowance toward non-prescription sunglasses or blue-light filtering glasses.
- Please refer to your Evidence of Coverage for details on on covered services.
Using your vision benefit is easy:
- Create an account at vsp.com. Review your personalized benefit information.
- Find a HealthTeam Advantage provider who’s right for you.
- At your appointment, tell them you have VSP and present your HealthTeam Advantage Member ID card. There are no claim forms to complete when you use a VSP provider.
Getting Started
Search for VSP providers or create your account at vsp.com/advantageretail.
Hearing
Hearing
Good hearing is important to your health and safety.
TruHearing providers must be used for hearing benefits and hearing aids:
- $0 copay for routine hearing exam. One exam per year.
- Coverage includes up to two (2) TruHearing-branded hearing aids per year.
- Copays for hearing aids range from $299–$799.
- Rechargeable battery options available on select styles ($50 per aid).
- $0 copay for hearing aid fitting/evaluation visits for up to one year after purchase.
- Please refer to your Evidence of Coverage for details on on covered services.
Getting Started
- Find a participating TruHearing provider by calling 866-201-9886.
- Schedule your exam. (If you need help, contact your Healthcare Concierge.)
- Go to your exam.
- Order hearing aids if needed. Then go for a fitting and follow-up.
Check Your Hearing Online
TruHearing offers an online tool to check your hearing. This doesn’t replace seeing a provider, of course, but offers a simple screening from the comfort of your home. You will need a pair of headphones for the screening, which takes less than five minutes.
Visit TruHearing.com/HealthTeam-HS to get started.
Prescription Drugs
Prescription Drugs
Find the prescription drug information you need to understand your coverage, compare your options, and get the most from your prescription drug benefits.
Use the resource below to look up medications, find a pharmacy, learn about your drug coverage, and explore your prescription drug options.
Fitness
Fitness
Feel your best with SilverSneakers®
Your fitness benefit includes access to SilverSneakers in a variety of ways at no cost to you.
Activating your SilverSneakers membership is easy:
- Create an online account at SilverSneakers.com/StartHere.
- Log in to access your SilverSneakers ID number.
- Try a virtual class or visit a participating facility.
Important: Always talk to your doctor before starting an exercise program!
Please refer to your Evidence of Coverage for details on covered services.
Worldwide Travel
Worldwide Travel Coverage
Emergency coverage while traveling outside the United States.
Coverage for urgent care or emergency care outside the U.S. and its territories includes:
- $30 copay for each urgent care visit
- $150 copay for each emergency care visit
- $75,000 maximum coverage amount per year
- Please refer to your Evidence of Coverage for details.
To use this coverage, follow these steps to be reimbursed:
- Pay for the urgent care or emergency services you receive outside the U.S. or its territories.
- Get receipts for all services provided.
- When you return to the U.S., contact your Healthcare Concierge for instructions on submitting a claim for reimbursement.
- Submit your claim within 60 days of the date you received the service.
Note: Supplemental benefits such as dental, vision, hearing, etc., are not covered outside the United States. Worldwide emergency and urgent care services do not apply to your Maximum Out-of-Pocket (MOOP).
Chiropractic Care
Chiropractic Care
Routine services to support independence and vitality.
- $15 copay for routine chiropractic visits with an in-network provider.
- Up to 12 visits per year for routine services.
- To find a provider, visit our Find a Provider Search Tool or contact your Healthcare Concierge.
- Please refer to your Evidence of Coverage for details on covered services.
Acupuncture
Acupuncture
Routine services to relieve pain or provide other health benefits.
- $35 copay for in-network routine acupuncture services.
- Coverage includes 24 visits per year.
- Please refer to your Evidence of Coverage for details on covered services.
In-Home Support
In-Home Support
Friendly helpers offer support with everyday tasks.
We partner with Papa to provide you with in-home, non-medical support services and companionship provided by a Papa Pal. These helpers may assist with house tasks, pet help, companionship, technology help, transportation, and more.
- $0 copay for up to 45 hours per year of Papa Pal services.
- To schedule a visit, call Papa at (855) 303-3349 (TTY 711). The initial call will include a brief assessment to help match you with a Papa Pal based on your interests and needs.
- Learn about Papa’s safety and community guidelines by visiting papa.com/members.
- Please refer to your Evidence of Coverage for details on covered services.
Nurse Advice Line
Nurse Advice Line
Registered nurses are available 24/7 to help you get the care you need.
If you’re feeling under the weather or need an opinion on where to go for care, call the 24-hour Nurse Advice Line at 877-229-8614 (TTY 800-735-8262).
Speak with a registered nurse who can evaluate your needs, help determine next steps based on your injury or illness, and answer general healthcare questions.
Important: For emergencies, always dial 911.
Care Management
Care Management
Get support as you manage a chronic condition.
Care management helps you improve your health and well-being by coordinating care among providers, reducing hospital visits, boosting patient engagement, and helping to manage chronic conditions.
Our Thrive Plan is designed for members who are ready and willing to partner with their doctors and care teams by:
- Actively participating in managing a chronic condition.
- Partnering with a dedicated nurse case manager in managing the condition and reaching healthcare goals.
- Working with an Interdisciplinary Care Team to manage physical, psychological, and social needs.
Care management is available at no cost to HealthTeam Advantage members. Please contact your Healthcare Concierge for more information.
HEALTHCARE CONCIERGE
We’re Here for You
Your Healthcare Concierge is here to help you make the most of your benefits. Just call or email for fast, friendly assistance.
By Email
8am-8pm
April 1-September 30, Monday-Friday
October 1-March 31, 7 Days a Week