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For Members - How to Use Your Benefits

For Members – How to Use Your Benefits

How to access your In Network Dental Benefits
How to access your Out of Network Dental Benefits
How to access your Vision Benefits
How to access your Life Insurance/AD&D benefits
How to access your WorkLife services
How the Health discount program works
Understanding when to use your discount program

We've taken the guesswork out of managing your health.
Your Specialty Benefit Solutions (SBS) ID card displays all the information you will need to use your benefits, including a single toll-free phone number for the entire package of benefits.

If you have questions related to your SBS plan, you can contact SBS Member Services at 866-249-0390 (7 a.m. to 10 p.m. CST) for assistance with:

  • Questions on claims and claims payments
  • Understanding your benefits
  • Locating a participating dental, vision or health discount provider 
  • Ordering a duplicate Member ID card
  • Accessing WorkLife services representatives
  • Questions about the health discount program
  • Answering any other questions you have related to your SBS benefits

SBS Benefits
With a Specialty Benefit Solutions (SBS) package, you have access to benefits that include Dental, Vision, Life/AD&D*, WorkLife Services, and health discounts.

*Life/AD&D is not available with all packages. Check your specific benefits for details.

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How to access your in-network dental benefits:

  1. Select a provider from the UnitedHealthcare Dental network.
    • Find My Dental Plan in the Helpful Links section on the right side.
    • Click on the My Dental Plan link, then in the new window, click on the Dentist Locator link to search for an in-network provider.
    • Register online to access your benefit details, claims data and to utilize the Treatment Cost Calculator (determines your possible costs for specific dental procedures).
    • IMPORTANT INFORMATION: The first time you visit My Dental Plan you will be asked to register as a member. You do this by using a unique Subscriber ID number. This number is the last 5 digits of your member ID with 4 preceding zeros. For example, if your member ID is 0610012345 you would enter the subscriber ID of 000012345. Once you have registered, you can log in and select the tools on the site that meet your needs.
  2. Call to schedule an appointment, and be sure to verify the provider's participation in the UnitedHealthcare Dental network.
  3. At the time of your appointment, just show your SBS ID card.

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How to access your out-of-network dental benefits:

  1. You can visit the dental provider of your choice.
  2. You will be responsible for paying all costs at the time of service and filling out a dental claim form to be reimbursed.
  3. To download a dental claim form:
    • Go to the Resources section on the right side.
    • Click on the UnitedHealthcare Dental Claim Form to download and print a copy.

If you have any questions about your dental benefits or need help locating a participating provider, call SBS Member Services at 866-249-0390 and follow the instructions for Dental benefits.

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How to access your in-network vision benefits:

  1. Select a provider from the UnitedHealthcare Vision network.
    • Select from the Helpful Links section on the right side.
    • Click on My Vision Plan link, then in the new window, click Provider Locator in the upper-left corner to search for an in-network provider.
    • You'll be able to search for a network provider by your ZIP code. Next to each provider listing you will find symbols that indicate whether the provider offers eye exams only, dispenses vision care products only, or does both. You also can print directions to the provider location.
  2. At the time of your appointment:
    • Just show your SBS member ID card.
    • You are only responsible for your copayments and nonselection patient options – such as tints and coatings or choosing non-selection frames.
    • There are no claim forms to submit and no referral forms are necessary for covered services when obtained from a participating provider.

Using a non-network vision provider:

  • The full fee must be paid to the provider at the time of service, obtain the receipt(s).
  • Submit an itemized copy of the receipts along with a note (or claim form) requesting reimbursement. You must include
    • Subscriber's name and address
    • Patient's date of birth
    • Subscriber's Member ID on the SBS Member ID card

UnitedHealthcare Vision
PO Box 30978
Salt Lake City, UT 84130
-or-
Fax: 248-733-6060

If you have any questions about your vision benefits or need help locating a participating provider, call SBS Member Services at 866-249-0390 and follow the instructions for Vision benefits.

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How to access your Life Insurance/AD&D benefits

If you have any questions about your Life and Accidental Death & Dismemberment insurance benefits, call SBS Member Services at 866-249-0390, and follow the instructions for Life insurance benefits.

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How to access your WorkLife services benefits:

To reach a specialist and resources, call SBS Member Services at 866-249-0390 and follow the voice prompts for WorkLife, prompt 7, or

  • Select from the Helpful Links section on the right side.
  • Click on WorkLife Services Link that will take you to the www.liveandworkwell.com Web site.
  • Log on using the access code: SBS.

If you have questions about your WorkLife Services benefits or would like to speak with a specialist, call SBS Member Services at 866-249-0390. Then, follow the instructions for WorkLife services.

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How the health discount program works

Providers in the discount network are located on the UnitedHealth Allies Web site. Providers may display either discount percentages or actual prices. Actual prices or discounts noted on the Web site are guaranteed! For network health care professionals and facilities, as long as you confirm your discount online or through the Health Discounts option on your Member Services line, you are guaranteed to be charged the dollar amount listed under "Our Price," if shown.

* If a dollar amount is not shown, your discount will be at least the low end of the "Typical Discount" range (for example, if the stated range is 10-35%, you will save at least 10%).

* For health discount Marketplace partners, you are guaranteed to get the discount advertised online. You may be required to input a promo code at the partner's Web site, or the discount may be automatically applied at checkout. No confirmation is necessary.

Using the discount program
Keep in mind that the discount program is not insurance and you should always use your insurance for covered services. Instead, rely on the discount program to help you save on health care products and services not covered by insurance.

How to find participating providers and use your health discount benefits

  • Select from the Helpful Links section on the right side.
  • Click on the health discount link that will take you to www.unitedhealthallies.com. Register as a User to have full access to the Web site.
  • You'll be able to search for a provider by ZIP code.
  • For each provider, you will be able to review their:
    • Specialties
    • Full Biography
    • Credentials
    • Estimated Savings

When you have selected the health care provider you would like to visit, be sure to confirm the discounted rate. Confirming a rate does not mean you must visit that health care provider. It only means that if you DO visit that health care provider, you are guaranteed the discounted rate. The rate confirmation also contains the provider's contact information so you can call to make an appointment.

Make an appointment with the provider, if you wish. Be sure to bring your rate confirmation and your SBS Member ID card with you to your visit.

At your appointment, pay the discounted rate directly to the provider. Remember, the discount program is not insurance and you are responsible for paying the discounted cost, at the time of your visit.

If you have questions related to your health discounts benefit, call SBS Member Services at: 866-249-0390, follow instructions for the Health Discount program.

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Understanding when to use your health discounts

Is the health product, service or treatment covered by insurance?

  • If the answer is "yes", always use your medical, vision or dental insurance for covered services.
  • If the answer is "yes", but you have reached the limits of your insurance, you can use the discount program to save on products and services above or beyond the limits of your insurance.* For example, if your medical insurance covers only a limited number of chiropractic visits, you can use the discount benefit to save on additional visits to a participating chiropractor.
  • If the answer is "no", then you can use the discount program to save on health-related products and services. Always use your dental and vision insurance for covered services.

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Disclosure: The UnitedHealth Allies® discount plan is administered by HealthAllies®, Inc., a discount medical plan organization. The discount plan is NOT insurance. The discount plan provides discounts at certain health care providers for health services. The discount plan does not make payments directly to the providers of health services. The discount plan member is obligated to pay for all health services but will receive a discount from those health care providers who have contracted with the discount plan organization. HealthAllies, Inc., is located at P.O. Box 10340, Glendale, CA, 91209, 1-800-860-8773, www.unitedhealthallies.com, ohacustomercare@optum.com.

UnitedHealth Allies is a program that offers discounts on health products/services to Specialty Benefit Solutions members. It is not an insurance product but is offered to existing members of certain products underwritten or provided by United HealthCare Insurance Company or its affiliates to encourage their participation in wellness programs. Health care professional availability for certain services may be dependent on licensure, scope of practice restrictions or other requirements in the state. UnitedHealthcare Specialty Benefits does not endorse or guarantee health products/services available through UnitedHealth Allies. This program may not be available in all states or for all groups. Components subject to change. Specialty Benefit Solutions packages are not available in all states and state-specific requirement may cause limitations or variations to the plans.

Specialty Benefit Solutions products are provided through the following partners:
UnitedHealthcare Dental® coverage underwritten by UnitedHealthcare Insurance Company, located in Hartford, Connecticut, or its affiliates. Administrative services provided by Dental Benefit Providers, Inc., Dental Benefit Administrative Services (CA only), United HealthCare Services, Inc. or their affiliates.
UnitedHealthcare Vision® coverage provided by or through UnitedHealthcare Insurance Company, located in Hartford, Connecticut, or its affiliates. Administrative services provided by Spectera, Inc., United HealthCare Services, Inc. or their affiliates.
UnitedHealthcare Life products are provided by or through Unimerica Insurance Company, Unimerica Life Insurance Company (in California), Unimerica Life Insurance of New York, and United HealthCare Insurance Company.