The Small Business Employee Plan

Four Plans in One for a Great Value
 
Once again, Liberty has created a plan that is comprised of recession proof benefits that allow you to tap into a vast market, the Small Business. The vast majority of businesses in America have fewer than 50 employees. These employers struggle with employee turnover, rising medical costs and a shrinking bottom line. Larger businesses are facing the same issues!
 
Employers of all sizes are:
  Cutting existing benefits.
  Eliminating ancillary benefits.
  Increasing deductibles and co pays.
  Using formularies to curb drug costs.
  Eliminating jobs.
  Cutting or eliminating retiree benefits.
  Offering no benefits at all.

How does Liberty bridge the gap?

While most employees say they want the security and financial safety net of medical insurance, few can afford it and fewer and fewer are getting it from their employer. It is hard to pay $1,100 to $1,600 per month for a family health insurance plan, especially when you have to get hurt or sick to get any benefit.

So what is the answer? The SBE a plan that has services that can be used every day with benefits to handle the unexpected for a cost of 45 cents per hour per employee.
 

 
The SBEs Four Plans:
 
  Liberty Rx Exclusive 4 Tier Prescription Program
  Liberty Aetna Dental Access® Plan
  Liberty CTC Vision Plan
  Liberty Guardian Plan
Liberty Rx 4 Tier Prescription Program --- Save Money Now!


The high cost of prescription drugs is in the news almost every day. Liberty can show you how to keep your drug costs down. Our exclusive Doctor's Prescribing Guide outlines the drugs available in each Tier so your doctor or pharmacist can quickly and easily see what the lower cost options are and select the right one for you! Our plan has even saved people who have prescription insurance money and our home delivery pharmacy can significantly reduce costs on medicines you take every day.

Liberty members would pay over 42% more at pharmacies for prescriptions without their Liberty card! You can start saving too!
 

Benefits Outline More Information What our members have to say
 
  Includes All 52,000 FDA Drugs so there is no formulary!  
  NO AGE LIMIT!  
  Employees can use the card at 98% of all Pharmacies Nationwide.  
  Liberty customers save at local pharmacies.  
  The Doctor's Prescribing Guide helps you, your doctor and your pharmacist find alternative drugs listed in Therapy Classes by a 4 tier pricing structure offering you the least expensive drugs available.  
  The 4 Tier pricing structure is:  
   
Tier 1. -  $10 or less drugs
  Tier 2. - $20 or less drugs
  Tier 3. - $50 or less drugs
  Tier 4. - Pre-Negotiated Nationwide Prices
 
  Employees who want to SAVE more can use our exclusive HOME DELIVERY PROGRAM and save up to 70%.  
 
  *Pharmacy discounts are NOT insurance, and are not intended as a substitute for insurance.
Liberty Aetna Dental Access® Plan

Going to the dentist has never been so painless! You will love how simple it is to locate a dentist in the network. There are over 71,000** nationwide. When your appointment is complete, you simply pay the reduced bill. Fee schedules are even available online. Use the plan as often as needed and keep those smiles bright!
 

Benefits Outline More Information What our members have to say
 
  71,000** Dental Practice Locations Nationwide.  
  Employees save 15% to 50% at each visit.  
  Employee pays the reduced fee at the time of service.  
  No limit to the number of visits per year or per family member.  
  No limit on the type of dentistry services performed.  
  Find a dentist on-line or call our Award Winning Customer Service.  
 
Disclosures for Liberty Dental Vision Plan:
This is NOT insurance.
Discount Medical Plan Organization: New Benefits Limited, 14240 Proton Rd. Dallas, TX 75244
Telephone number of Discount Mediacal Plan Organization: 800-800-7617
Internet website address to obtain participating providers: www.libertymembers.com.
This discount card program contains a 30 day cancellation period.
MD, ND, OK, SC, SD, and TX residents: Member shall receive a full refund of membership fees, excluding registration fee, if membership is cancelled within the first 30 days after receipt of membership materials.
AR and TN residents: A refund of all fees will be issued if membership is cancelled within the first 30 days.
This plan provides discounts at certain health care providers for medical services.
This plan does not make payments directly to the providers of medical services.
The plan member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount plan organization.
The range of discounts for medical or ancillary services provided under the plan will vary depending on the type of provider and medical or ancillary service received.
The discount medical card program makes available, before purchase and upon request, a list of program providers, including the name, city, state, and specialty of each program provider located in the cardholder's service area.
Liberty CTC Vision Plan

75% of all households have at least one member that needs some sort of vision correction. Be it contacts, glasses, bifocals, or cheaters for those of us over 40, the Liberty CTC Vision Plan can save you money. The CTC Vision Plan is the most recognized vision plan in the country giving you saving of 10% to 60%. Keep your sight sharp!
 

Benefits Outline More Information What our members have to say
 
  Over 12,000 Participating Eyecare Locations Nationwide  
  Target Optical, Sears Optical, JC Penney LensCrafters, Pearle Vision & more.  
  Save on eye exams and LASIK.  
  Up to 60% Savings on eyeglasses and contact lenses. Includes soft contacts,
bifocal contacts and disposable contacts.		  
  Includes specialty items such as tints, scratch resistant coatings and UV Protection.  
  30-Day Unconditional Guarantee.  
  Low Price Guarantee.  
Liberty Guardian Savings Plan*

If you don't have medical insurance, or you have a high deductible, this plan can help you and your family. With only a $200 deductible per accident, you can rest a little easier when heading to the emergency room after a soccer accident, fall from a ladder, a trampoline accident, or even a bike accident while on vacation in Puerto Vallarta.
 

Benefits Outline What our members have to say
 
  Core Benefit Savings Include:  
 
 
Vitamins Tires & Auto Maintenance
Christian Counseling Moving Services
Hearing Services Motor Home Rentals
Flowers and Gifts Travel Discounts
Carpet Direct Mortgage Service
Shopping Service Merchant Accounts
Auto Purchase Shipping
Auto Body Shop Travel & Vacation
 
 
  $5,000 Reimbursement Accident Expense Plan helps take care of the unexpected!  
  Covers emergency room expenses and more!  
  $200 deductible per accident.  
 
  $150 per day In-Hospital Benefit  
  When a result of covered accident.  
  Up to 31 days per year.  
  Zero waiting period.  
 
  $10,000 Accidental Death & Dismemberment  
  Employee, spouse and all dependent children are automatically covered for 100% of the principal sum.*  
  24 hours per day, anywhere in the world.  
  *See the Membership Handbook for complete details.  
 
 
*The National Association for Independent Business provides this portion of the SBE plan.
Insurance Benefits Included in the Liberty Guardian Savings Plan
The following limited benefit insurance is under the Group Accidental Death and Dismemberment and Medical Care Insurance policy and is an added benefit of your membership featuring:
Accidental Death & Dismemberment Benefit:

Pays the beneficiary up to the benefit amount listed for the member’s death in a covered accident or the same amount for the accidental death of a family member.		 $10,000.00
Accidental Medical Expense Benefit:

Pays part of the expenses you are charged by a hospital, doctor, or certain other charges, up to a maximum of the amount listed if you are injured in a covered accident.		 $5,000.00

$200 Deductible per occurrence

All benefits provided by this insurance are subject to the terms, definitions, conditions, exclusions and limitations, of the group policy. To obtain more information about this insurance, please ask to speak to a licensed agent.

All members of the Liberty Guardian Savings Plan are enrolled into the National Association for Independent Business to be eligible to receive these benefits. 

THIS IS NOT BASIC HEALTH INSURANCE.  THIS OFFER INCLUDES DISCOUNTS AND/OR SERVICES PLUS ADDED LIMITED BENEFIT SUPPLEMENTARY INDEMNITY INSURANCE.  NONE OF THESE, INIDIVIDUALLY OR IN COMBINATION ARE A SUBSTITUTE FOR BASIC HEALTH COVERAGE, MAJOR MEDICAL INSURANCE OR ANY OTHER MEDICAL EXPENSE REIMBURSEMENT INSURANCE PLAN.
THIS IS NOT INSURANCE, NOR IS IT INTENDED TO REPLACE INSURANCE.