New Benefits Discount Dental Vision Prescriptions

1. Meaningful Discount Plans
Save on everyday needs.
Go to
www.layandwilliams.com
For a complete
explanation of these
non-insurance benefits.

2. $9.95 Per Month
For The Entire Family
Premier Plan
Dental
Vision
Pharmacy Card
Teladoc
Nurse Hotline
Roadside Assistance

3. $14.95 Per Month
For The Entire Family
Premier Plus Plan
Dental
Vision
Pharmacy Card
Teladoc
Nurse Hotline
Roadside Assistance
Lifeloc Proactive Identity Theft
Chiropractic Care
Pet Care Savings
Alternative Health & Wellness

4. $17.95 Per Month
For The Entire Family
Everything Plan
Dental
Vision
Pharmacy Card
Teladoc
Nurse Hotline
Roadside Assistance
Lifeloc Proactive Identity Theft
Chiropractic Caare
Pet Care Savings
Alternative Health & Wellness
Golf Discounts
Movie Ticket Discounts
Hotel Discounts
Condo Savings

5. Vision
 Coast to Coast (CTC) Vision has contracted with over 12,000 eyecare locations nationwide. Members save
on eyeglasses, contacts, eye exams and surgical procedures.
 The CTC provider network is the most comprehensive in the U.S. and includes ophthalmologists,
optometrists, independent optical centers and national chain locations such as Pearle Vision, JCPenney
Optical, Sears Optical, Target Optical, LensCrafters, and EyeMasters.
 Highlights
 Savings of 20% to 60% on prescription eyewear.
 Also, save 10% to 20% on contact lenses (excluding disposables) at participating retail locations.
 Savings of 10% to 30% on eye exams.
 Save 40% to 50% off the overall national average on LASIK surgery (PRK and CK available at select
locations).
 Most frames, lenses and specialty items such as tints, coatings
and UV protection are available.
 No limit on the number of times membership may be used during the year.
 Two guarantees - 30 day unconditional money-back satisfaction
guarantee and low price guarantee on eyeglasses
 Members may nominate their own eye care professional to
join the network.
 Vision Benefit is not available to VT residents.

6. Dental Care
 Highlights
 Members save 15% to 50%* on everything from general dentistry and cleanings to root canals, crowns
and orthodontia.
 Over 76,000 ** dental practice locations.
 Save on routine dental services such as x-rays and fillings.
 Save on specialty care such as orthodontics and periodontics where available.
 Before scheduling an appointment, the member will call the number on the back of their card to speak with
a Patient Advocacy representative.The representative will contact providers in the network to ensure the
dental office understands the Dental Care discount card and is accepting new patients.
The representative will then contact the member to provide several different dental care locations so the
member may select the provider that most meets their specific needs and book an appointment.
Dental benefit is not available to VT residents.
*Actual costs and savings vary by provider and geographical area.
** According to the Aetna Enterprise Provider Database as of October 1, 2008.
The discount program provides access to the Aetna Dental Access®
network. This network is administered by Aetna Life Insurance Company
(ALIC). Neither ALIC nor any of its affiliates offers or administers the
discount program. Neither ALIC nor any of its affiliates is an affiliate,
agent, representative or employee of discount program. Dental providers
are independent contractors and not employees or agents of ALIC or its
affiliates. ALIC does not provide dental care or treatment and is
not responsible for outcomes.

7. Pharmacy
RETAIL PHARMACY
 The retail pharmacy program assures the lowest price on prescription drugs, saving 10% to 60% on most prescriptions.
 It's simple to use. Simply present your membership card to the pharmacist when you pick up your prescription. The pharmacist calculates the
discount and you pay the discounted price. No forms are required.
 Highlights
 10% to 60% savings on most medications.
 Over 60,000 national and regional pharmacy chains participate as well as independent pharmacies.
 No pharmacy program is complete unless it includes both retail locations for urgent care medications and a mail order program when
purchasing long term maintenance prescriptions in 90 day supplies to treat ongoing ailments.
 As prices may change from day to day and cannot be given over the telephone, go to www.rxpricequotes.com to look up drug prices by
location.
 **Pharmacy Discounts are Not Insurance and are Not Intended as a Substitute for Insurance.
 The discount is only available at participating pharmacies
MAIL ORDER PHARMACY
 To ensure you always save money on long term prescription drugs, our mail order program was created to complement the retail pharmacy
benefit. Since most maintenance medications are purchased in 90 day supplies, now you can maximize savings with the convenience of home
delivery (at no additional charge).
 Highlights
 Prices average 10% below AARP mail order pricing
 If you find a lower retail price from a local retail pharmacy, the Mail Order Prescription Plan will beat that price by $5.00* on brand name and
generic medications priced at $10.00 or more. Not valid in conjunction with other discount or insurance cards.
 Prescriptions are delivered right to your door; no postage or dispensing fees added.
 Unlike competitive programs that restrict available medications to their "approved" list, our Mail Order Prescription Plan is an "open formulary",
so doctors may prescribe the most effective medication to treat the member's ailment or condition.
 *The $5.00 guaranteed savings cannot be used in conjunction with other discount or insurance cards.
 **Pharmacy Discounts are Not Insurance and are Not Intended as a Substitute for Insurance.
 The discount is only available at participating pharmacies

8. Teladoc
 TelaDoc™ is a national network of board certified physicians providing cross coverage consultations 24
hours a day, 365 days a year. TelaDoc™ physicians use medical records and telephone consultations to
diagnose, recommend treatment and write short term prescriptions, when appropriate. TelaDoc™ does not
replace the existing primary care physician relationship, but instead enhances it with an efficient, cost-
effective alternative for minor medical problems.
 Members can access this service wherever they happen to be: home, office, hotel room, or vacation
campsite. Members simply make a phone call and, in most cases, speak to a doctor within three hours.
 On-Demand access to healthcare
 Telephone access to a physician from any phone, 24 hours a day, 7 days a week
 Physicians diagnose routine medical problems and prescribe short-term medication when appropriate
 A physician will contact the member within three hours
 No more waiting until next week to receive medical attention
 No outrageous fees or unexpected charges
 No consultation fee – far less expensive than the cost of a primary care physician visit ($80 – $100
average)
 Most medical issues can be resolved from any remote location
 Reduce the number of hours spent away from work therefore increasing productivity
 Easy method of payment debit/credit card or ACH (if utilizing phone registration)
 Prescriptions phoned into the member's local pharmacy
 You may complete your Medical History Disclosure online for FREE. There is a $12
charge if this is completed over the phone.
 Patient access to portable electronic health records with HIPAA compliant secure
servers.
 Portable Electronic Health Record (EHR) - FREE
 TelaDoc™ does not prescribe DEA controlled substances or lifestyle drugs.
TelaDoc™ is not available to visitors or residents of the state of OK.
TelaDoc™ provides services for members 10 years of age or older.
TelaDoc™ does not replace your primary care physician.

9. Nurse Hotline
 Good health starts with asking questions and knowing where to go for the
answers. Nurse Hotline offers toll-free access to experienced registered nurses,
24 hours a day, 365 days per year. Our hotline nurses are an immediate, reliable
and caring source of health information, education and support. Our nurses
provide information based on physician-approved guidelines, including:
 General information on all types of health concerns
 Answers about medication usage and interaction
 Translation services for non-English speaking callers
 TTY/TTD access for the hearing impaired
 Computerized record keeping system
 Medical Director on staff
 Better-informed, healthier individuals are key to reducing healthcare costs.
Nurse Hotline gives you necessary information to help with
healthcare. In addition to preventing unnecessary emergency
room visits, you receive quick, sound medical information from
trained RNs.

10. Roadside Assistance
 Roadside Assistance is available 24 hours a day, 365 days a year to assist members when
owned or leased vehicles are disabled as a result of unavoidable circumstances. Members
will only have to pay for any non-covered expenses or covered costs in excess of the 15
miles per occurrence maximum. Coverage is extended to the member, spouse, and
dependent children up to 21 years of age permanently residing at registered address when
driving any vehicles that they own or lease for 12 months or longer.
 Highlights
 Available 24 hours a day, 365 days a year
 Up to 15 miles towing (up to $80 retail value) per occurrence maximum for covered
charges
 Covers Member, spouse and dependent children up to age 21 permanently residing at
registered address when driving any vehicles they own or lease (12 months or longer)
 Towing Assistance
 Flat Tire Assistance
 Fuel, Oil, Fluid and Water Delivery Service
 Lock-out Assistance
 Battery Assistance
 Collision Assistance

11. Hearing
 Enjoy access to a variety of hearing programs providing hearing aid discounts of 15% to 58% in retail
locations nationwide and discounts of 40% to 60% through the mail order program.
 Retail Hearing Aids
 Members may select from 1,350 Beltone locations nationwide to receive a free hearing screening and 15%
off over 70 models of Beltone Hearing Aids. All technologies and models are available including state of the
art digital hearing aids, along with Completely-In-the-Canal, In-the Ear and Behind-the-Ear models.
BelCare™ standardized 12 point customer service program ensures consistent delivery of professional and
comfortable service, regardless of location.
 Mail Order Hearing Aids
 Save 40% to 60% off average National Retail Pricing on over 100 models of name brand hearing
instruments.
 Receive the lowest price available.
 45-day in-home trial period and one full year factory warranty
 Any make/model hearing aid less than five years old may be repaired with a six month warranty for just
$90.00 or with a 12-month warranty for just $115.00 (digital or analog programmable aids are slightly
more, depending upon model).
Hearing Equipment
 We offer a complete line of products designed specifically for people who are experiencing hearing and/or
vision loss including, amplified corded and cordless telephones, large display alarm clocks, portable
telephone amplifiers, amplified telephone ring signaler personal communication systems and a TV listening
system.
 Members receive a 25% discount on over 17 products.
 All products include full warranty support, a 30-day money-back
guarantee and toll-free tech support.

12. Vitamins & Diabetic Supplies
VITAMINS
 Vitacost.com is your one-stop shop for thousands of top brand vitamins, supplements, herbs, organics and natural health care products at up to 80% off retail
everyday. Choose from over 400 brands and 12,000 items in stock and enjoy savings of 10% on already low prices. Members can place orders online or toll free
by phone. Most orders ship the same day and every order is backed by the exclusive 5-star guarantee.
 Highlights
 Toll-free and online shopping with friendly and knowledgeable customer service representatives
 Timely, convenient home delivery of vitamins, supplements, and a wide variety of natural health products All purchases include a 30-day unconditional money-
back guarantee
 Choose from brand names you know and trust such as Natures Way, Twinlab , Enzymatic Therapy and Country Life
 All purchases include a 30-day unconditional money-back guarantee
DIABETIC SUPPLIES
 Through the VIP Health & Wellness program, members save dramatically over the retail price of their diabetic supplies. Product packages include a premier
Glucose Meter, control solution, test strips, lancets and lancing device. Supplies are shipped regularly at no additional cost.
 Highlights
 Many different product packages to choose from based on testing requirements. Product packages are designed for everyday testing.
 Product packages are priced from $29.99/month to $169.99/month, which is 60% off the average competitors’ retail prices.
 Save an additional 15% off on any single order items including test strips, lancets, lancing device, and more.
 Toll-free ordering, regular shipments and convenient home delivery on all diabetic supplies.
 Free shipping on supplies when package option is selected.
DERMSTORE.COM
 DermStore.com is the premier online retail destination for skin care brands ranging from spa exclusive brands, physician-strength brands and hard-to-find
specialty brands along with expert advice and esthetician recommended regimens.
 Highlights
 Save 15% on more than 300 brands and over 12,000 products
 Thousands of product reviews
 Free Shipping on all purchases
 Free 2-Day Shipping on purchases over $100
 Free Samples of popular skin care products with every order
 Auto Refills program allows you to receive your favorite skin care products every 30, 60 or 90 days, plus
you get your 5th refill Free!
 100% Color Guarantee, a 30-day money-back guarantee on your cosmetics if your buy the wrong color/shade
 Skin Resource Center for skin care articles, a skin care ingredient dictionary, expert advice from our
dermatologists and estheticians, skin care application tips and videos, interviews from industry experts and much more

13. LifeLock
 Over 10 million Americans will be victims of identity theft this year. LifeLock is the leader in proactive
identity theft protection, protecting over 1 million members nationwide. LifeLock is a proactive service that
works to reduce the risk of identity theft and backs it up with a $ 1 million total service guarantee, in the
event your identity is compromised.
 LifeLock requests free fraud alerts with the major credit bureaus on your behalf and then renews them
every 90 days. LifeLock also requests a copy of your free annual credit report, which will be sent directly to
you. LifeLock also helps reduce junk mail and removes you from the pre-approved credit offer lists.
 LifeLock’s WalletLock™ service is also included with your membership. If you lose your wallet, a WalletLock
specialist will help contact each credit card, bank or document issuing company, cancel your affected
accounts and complete the paperwork and steps necessary to replace your lost documents (excluding
money and pictures), including your credit/debit cards, driver’s license, Social Security card, insurance
cards, checkbook – even travelers checks - at no additional cost to you. LifeLock’s eRecon™ service also
works to protect you by searching criminal websites for online selling and trading of your information and
notifying you if anything is found; and TrueAddress™ will notify you when a change of address is filed in
your name.
 Highlights
 Free Fraud alerts are requested on your behalf to the major credit bureaus - when anyone tries to use your
credit the merchant is advised to take extra precautions to verify it’s you and only you making the request.
 A reduction in junk mail.
 Fewer pre-approved credit card solicitations.
 WalletLock™ assists you in the event your wallet is lost or stolen.
 eRecon™ searches for your information being sold or traded online.
 TrueAddress™ notifies you when a change of address is filed in
your name.
 $1 million total service guarantee – if your identity is stolen while
you’re a client, we will do whatever it takes to recover your good name
and spend up to $1 Million to do it.

14. Pet Care
 The Pet Care Savings Program is designed to save members money on everything for their
special family member - their pet! All the pets in the household can take advantage of this
program. The Pet Care Savings Program is not insurance. With the Pet Care Savings
Program there is a 25% discount at network veterinarians on most procedures, plus
savings of 10% to 30% on pet products and services at participating merchants. The Pet
Care Savings Program also includes a free pet ID tag and confidential 24-hour pet location
service in the event of a lost pet.
 Highlights
 Save 25% on most in office medical care with each visit to a network veterinarian
 Save 10% to 30% at participating providers on pet services such as boarding, doggie day
care, training, pet sitting and grooming
 Save 10% to 30% at participating merchants on pet supplies such as food, beds, toys,
treats and vitamins
 Free pet ID tag(s) and 24-hour location service for lost pets
 Available for use with all animals, from companion animals
such as dogs and cats to exotic animals such as birds
and reptiles

15. Chiropractic
 Members save 30% to 50% at over 3,000 participating Doctors of Chiropractic nationwide.
 Highlights
 Free initial consultation
 50% savings on diagnostic services
 50% savings on x-rays performed on-site (if necessary)
 30% savings on treatment and other services
 Unlimited access to care with no limits on the number of visits
 Over 3,000 providers nationwide
 Each chiropractor’s licensure and insurance are carefully verified before being accepted in
the network
 Items such as vitamins and durable goods are priced at the doctor’s discretion
 Members may choose from more than 3,000 participating Chiropractors. Members enjoy a
variety of savings and services including a free consultation, 50% savings
on diagnostic services, 50% savings on x-rays performed on-site and 30%
savings on treatment and other services. Also, members have unlimited
access to care with no limits on the number of visits. Each chiropractor’s
license and insurance are carefully verified before being accepted in the
network. Items such as vitamins and durable goods are priced at the
doctor’s discretion.
Chiropractic is not available to VT residents.

16. Alternative Health & Wellness
 The integration of alternative medicine into conventional western
medicine is quickly revolutionizing the landscape of the American
healthcare system. Patients and providers are increasingly using
alternative methods of care that do not rely on invasive procedures or
long term use of pharmaceuticals. The Alternative Medicine Network is
one of the nation's leading providers of integrative medicine. Our
national network of over 16,000 practitioners provides care to millions
of members all across the country.
 Highlights
 10% to 30% savings on all treatments and services
 Over 16,000 practitioners in the network
 Over 35 different practitioner disciplines
 Services include Acupuncture, Nutritional Counseling,
Massage Therapy, and Holistic Medicine as well as popular
Exercise and Movement specialties including Yoga, Tai Chi,
Pilates and more no limits on the number of visits

17. Golf Program
 This golf discount program is one of the nation's premier
golfer's savings programs. The national network consists of over
2,000 exciting courses throughout the U.S., Canada, and many
other international destinations. Discounts are also available for
golf lessons, driving ranges, and much more.
 Highlights
 Over 2,000 courses available nationwide
 Save up to 50% off greens fees
 Save on golf vacation packages to destinations such as Hilton
Head, Palm Springs, Myrtle Beach, Scotland, and the Republic of
Ireland
 Save 10% on stay-and-play packages at fine golf resorts or
sharpen your game while enjoying 2-for-1
discounts at driving ranges

18. Movie Tickets
 Members will save up to 40% on movie tickets from major
movie chains throughout the U.S. Tickets are valid for at least
three months from the date of purchase and are accepted at
any of the theaters operated by the company issuing the
discount ticket. Members may call toll-free to receive
instructions on how to obtain their discounted tickets.
 Participating Movie Chains Include:
 United Artists
 Regal Cinemas
 Cinemark
 USA
 AMC
 IMAX
 And many more...

19. Condo Program
 Why settle for an ordinary hotel room, when there
are vacation condo rentals available at discount rates
through the Condo Program? From cozy condos to
14-bedroom homes, the Condo Program can
accommodate members with extra space and added
comfort. The Condo Program offers preferred rates at
thousands of properties both in the U.S. and
internationally.
 Save up to 80% on resort condo accommodations
listed on
the website.