Additional Benefits

At no additional cost, cardholders of the SmartHealth PayCard™ enjoy savings on everyday drugs and prescriptions nationwide. Other remarkable benefits on the card include up to $5,000 in Accident Medical Expense benefits and $5,000 Accidental Death insurance.

SmartHealth Rx™ National Prescription Savings Program

Your SmartHealth PayCard comes with SmartHealth Rx, an easy way to save up to 85% on prescription retail prices at thousands of pharmacies nationwide.

To access your prescription savings, download the SmartHealth Rx app to your phone. It is available for both Apple and Android phones.

Open the app, and when prompted, enter group number SHC01 to access your savings card. Your member ID is your mobile phone number, including the area code.

Within the app, you can also search and compare costs at pharmacies near you to find the best price. Or, use our SmartHealth Rx Pricing lookup tool to compare pricing against your current health plan.

SmartHealth Rx Pricing Lookup Tool

The SmartHealth Rx Prescription savings card is not insurance. People with no insurance or facing high deductibles now have access to competitive pricing on their medications.

Already have prescription insurance? Ask your pharmacist to run both and pay the lowest price.

In the rare event that your favorite pharmacy is not on our list, give us a call. We are always happy to reach out to add qualified pharmacists to add to our network.

Contact Information for Member Services: 877.643.2067
Health Line Hours: 8:00 a.m. to 10:00 p.m. EST

Accident Medical Expense: Co-Payments and Deductible Assistance Bundle

The following benefits are available to SmartHealth PayCard members, providing an additional layer of protection for co-insurance, deductibles and other out-of-pocket expenses. Cash benefits are paid to you as the cardholder to help cover the costs associated with ambulance, emergency room visits, and hospital daily room and board.

  • Hospital Room and Board Daily Maximum Benefit: up to $500
  • Out-Patient Surgery Benefits:
    • Outpatient Primary Surgeons Maximum Benefit Amount: up to $500
    • Outpatient Assistant Surgeon Maximum Benefit Amount: up to $500
    • Outpatient Surgical Facility Maximum Benefit: up to $500
  • Air and Ground Ambulance Benefit: up to $500
  • Emergency Room Benefit: up to $500

On the Accident Medical Expense Benefit:

  • Eligible persons are all active members of the policyholder with an active SmartHealth PayCard including their Spouse and dependent children
  • Annual maximum for all accident medical: $5,000; maximum number of occurrences per policy year: 3
  • These benefits are a fixed indemnity reimbursement plan, this is not health insurance
  • By applying for and receiving the SmartHealth PayCard, the cardholder becomes a member of the Financial Solutions Association (FSA)
  • Insurance underwritten by an A rated insurance carrier is for the cardholder only
  • Please review the certificate of insurance for the insurance benefits. It contains important information about benefit terms, conditions and limitations.

Even with health insurance, unexpected medical costs can add up. These benefits provide a way to help protect your savings from some of the costs of deductibles, copays, and additional expenses not covered by your medical health insurance plan. Benefits are paid to the cardholder.

The SmartHealth PayCard Comes with $5000 Accidental Death Insurance

Life comes with built-in risks. Each time you drive to work or board a plane, for example, you do so expecting to arrive safely at your destination. Unfortunately, accidents happen more often than we'd like. Accidental death is the number four cause of death, according to the Centers for Disease Control and Prevention.

If you die unexpectedly in an accident, your loved ones not only face grief, but also often financial hardship. Covering your funeral, managing your household, and medical expenses can be financially devastating for them.

Generally, a death must occur within a few months of the accident in order to be covered by the policy. Death or injury that is not directly the result of an accident is not covered.

On the Accident Death Benefit:

  • By applying for and receiving the SmartHealth PayCard, the cardholder becomes a member of the Financial Solutions Association (FSA)
  • Insurance underwritten by an A rated insurance carrier is for the cardholder only
  • Please review the certificate of insurance for the insurance benefits. It contains important information about benefit terms, conditions and limitations.
How To File A Claim:

To file a claim please call 800.821.7303. Claims are processed by the Claim Administrator, Forrest T. Jones. Complete all items on the required claim form that can be found at smarthealthpaycard.com, attach all appropriate documents, and mail or fax to: Forrest T Jones, Company, Inc., PO Box 418131, Kansas City, Mo. 64141-8131; Fax Number 816.968.0575; Email: claimsmail@ftj.com.

Instructions for filling out a SmartHealth PayCard Accident Medical Expense Claim Form:

  1. The claim form must be completed and signed by the insured. Please indicate your Group Name (Financial Solutions Association, Inc.) on the claim form.
  2. Your Accident Medical plan requires that the covered person must be under the care of a Physician when the Eligible Expenses are incurred.
  3. Proof of loss (Completed claim form and itemized bills) should be submitted within 90 days of the accident.
  4. Please attach itemized bills to the claim form. A balance due bill from your provider is not sufficient. An itemized bill is a statement that indicates:
    1. The date(s) of treatment
    2. The type(s) of service
    3. The diagnosis
    4. The medical provider's name and address
  5. Return the completed claim form, Authorization for Release of Health-Related Information, itemized bills and other insurance payment or denial (Explanation of Benefits) statements (if applicable) to:
    Forrest T. Jones & Company PO Box 418131
    Kansas City, MO 64141-8131
    Contact: 800.821.7303
  6. Please indicate which bills have been paid by you. If you prefer payments to go directly to the medical provider, please complete and sign the authorization at the bottom of the claim form.
  7. A claim form needs to be completed only at the beginning of treatment for each accident. Additional bills or follow-up treatment should indicate your name, group name, and date of accident.
  8. We suggest that you make photocopies of any correspondence sent to our office to keep for your own records.
  9. By furnishing forms and investigating the claim, the Company does not admit that there is any insurance in force and does not waive any of its rights or defenses.
IMPORTANT:

Please take note: delays in the processing of your claim will occur if all the following have not been provided to Forest T. Jones: the completed claim forms and the itemized bill(s) from your medical provider.

PLEASE NOTE: Incomplete claim forms will result in a delay in the processing of your claim.

Instructions for filling out a SmartHealth PayCard Accidental Death Claim Form

  1. Form must be completed by the Claimant.
  2. Attach the Certified Death Certificate.
  3. Attach a copy of the Accident/Police Report and Newspaper Article (if applicable) if death is due to accident.
  4. Attach the Policy/Certificate located on the website: smarthealthpaycard.com (If not attached, please explain if lost or other.)

Please indicate your Group Name (Financial Solutions Association, Inc.) on the claim form.

Return the completed claim form, Authorization for Release of Health-Related Information to:
Forrest T. Jones & Company PO Box 418131
Kansas City, MO 64141-8131
Contact: 800.821.7303

IMPORTANT:

Please take note: delays in the processing of your claim will occur if all the information requested on the claims form has not been provided to Forest T. Jones.

PLEASE NOTE: Incomplete claim forms will result in a delay in the processing of your claim.