For Members » AFSCME Advantage

Health Savings

Finally —the entire family can save on health care costs.

You want the best care when it comes to your families' health. But quality care at an affordable price can be out of reach for working families. Even families with some insurance coverage often have high out-of-pocket expenses.

That's why we developed the Union Plus Health Savings Program in conjunction with our program provider, Careington International for less than $15 per year, AFSCME members and their families (including parents) can reduce out-of-pocket expenses for prescriptions, vision and other health care services as soon as they enroll. Compare with similar programs that charge $129 or more. Call 1-877-570-4845 for more information and to enroll.  Or to find out more and sign up online click here.

1. Health Savings Dental Discounts Program

$69.95 per year (coverage for members, spouses and domestic partners, children and parents)


  • Dental care services
  • Retail and mail order prescriptions
  • Vision care
  • Foot and ankle care
  • Hearing care
  • Diabetic supplies
  • Nurse HelpLine

2. Health Savings Vision Discounts Program

$14.95 per year (coverage for members, spouses, children and parents)


  • Retail and mail order prescriptions
  • Vision care
  • Foot and ankle care
  • Hearing care

3. Health Savings Physician & Hospital Discounts Program

$179.95 per year (coverage for members, spouses and domestic partners, children and parents) or $17.95 per month.


  • Physician and hospital care service
  • Dental care services
  • Retail and mail order prescriptions
  • Vision care
  • Foot and ankle care
  • Hearing care
  • Diabetic supplies
  • Nurse HelpLine
  • Personal Health Advocate for insurance claims, transferring medical records, doctor locator, deciphering test results

No More Claim Forms - Just Instant Savings

After you enroll, we will mail you a Union Plus Health Savings card (allow 5 - 7 days for delivery). Simply present your card when you visit a participating eye doctor, pharmacy or other health care provider, and receive discounted rates on the spot. It's that easy. Best of all, there's no limit on the amount you save or the frequency with which you use the program.  To find out more on participating providers click here or call 1-877-570-4845.

The program also offers quarterly account activity summaries, making it easy to track how much you've saved.

Prescription Savings & Convenience

Save an average of 15% off brand name drugs and 40% off generic drugs at more than 56,000 pharmacies nationwide including Rite Aid, Safeway and Thrifty-Payless chains. Or get even greater savings when you choose to have convenient, money-saving mail-order prescriptions delivered right to your door.

See if there are participating pharmacies in your area  

Physician & Hospital Discounts

The Physician & Hospital Discounts program adds discounts with a large network of participating doctors, ancillary providers (labs, X-rays, MRIs and more), and hospitals. (See details below.)  Members can get savings averaging 20% to 45% at over 525,000 physicians nationwide (including family practitioners, internal medicine, cardiology, radiology, neurology, orthopedic, allergy, dermatology and more).  Members can also get savings averaging 20% to 45% on medical services at 66,000 Ancillary Facilities, MRI Centers, Laboratories, Radiology, Urgent Care Clinics, Acute Care Hospitals, Home Health, Durable Medical Equipment, Chiropractors, Physical Therapy and Mental Health.

The program includes access to a Personal Health Advocate: Receive assistance in navigating the health care and insurance systems, including clinical and administrative issues (resolving insurance claims, working with insurance companies, find the best doctors, schedule appointments, unbiased health information, answer questions about test results, treatments and medications, assist in the transfer of medical records, locate and research the newest treatments, assist with finding qualified wellness programs). Personal health advocates are typically a registered nurse, supported by a team of medical directors and administrative experts.

The Physician & Hospital Discounts program might be best for union members who have:

  1. No health insurance.
  2. Family household members without access to the member's insurance.
  3. Are temporarily without health insurance--students who can no longer be included under their parent's health insurance, retirees not yet ready for Medicare (under age 65).
  4. Health insurance, but are looking for discounts for an elective procedure.

(Hospital discounts are not available in Maryland and West Virginia.)

See if there are participating physicians and hospitals in your area

Dental Care Deals

Save 20% to 50% off the standard charges on most dental procedures. Members can save on routine exams, cleanings, fillings, X-rays, root canals, crowns and bridges, extractions and orthodontics. Simply choose any provider from our list of more than 62,000 dental providers. Then make an appointment and show your Union Plus Health Savings card when you visit. You'll get instant savings with the program's reduced fees.

See if there are participating dentists in your area

Vision Care Discounts

No matter what your eye care needs, you can enjoy substantial savings on frames, glasses and contact lenses at more than 40,000 providers nationwide, including: independent optometrists, ophthalmologists, opticians and leading optical retailers.  Save 20% to 40% off the retail price of eyewear.  Save on eye exams, frames, glasses, contact lenses, progressive lenses and upgrades such as UV and scratch resistant coatings. 

See if there are participating eye care specialists in your area

Foot & Ankle Care

With the Union Plus Health Savings program you can save 20% to 50% off the normal charges for foot and ankle care services and procedures performed by over 3,500 podiatrists nationwide. Typical services available include treatment for heel pain, bunions, hammertoes, ingrown toenails, arch pain, arthritis, problems with feet due to diabetes and other foot and ankle problems.

See if there are participating podiatrists in your area

Hearing Care Services

Save on hearing evaluations and exams and save 20-25% on all hearing aids at any HearPO provider at more than 2,200 locations nationwide. Typical services include hearing evaluations and exams, hearing tests and hearing aids. The program also provides discounts on hearing aid repairs. Find HearPO providers in your area here

Diabetic Supplies

By special arrangement with an established mail-order program, union members save 20% to 40% off retail prices on disposable medical supplies (including diabetic needles, syringes, test strips and more), and save 20% to 30% on durable diabetic supplies and durable medical equipment (including glucose meters, pumps and more).. Orders can be made via phone or mail and are conveniently delivered to your door. 

Information about how to order diabetic supplies is provided in the Health Savings enrollment kit.

Nurse HelpLine

Union members can receive health care advice from a licensed registered nurse 24 hours a day, 7 days a week, by calling a toll-free number.  The HelpLine also offers a large library of pre-recorded health information topics. Call the Nurse HelpLine at 1-866-796-1857.

Try Before You Buy

Union members can call 1-877-570-4845 for a free 30-day trial period. Representatives are available Monday - Friday from 9:30 am – 6:30 pm (ET). Se habla español. Have your credit or debit card ready, and the birthdates of any family members you plan to enroll.

Health Savings: Questions & Answers


This plan does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00. The plan provides discounts at certain health care providers for medical services. The range of discounts will vary depending on the type of provider and service. The plan does not make payments directly to the providers of medical services. Plan members are obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount medical plan organization. You may access a list of participating health care providers at Upon request the plan will make available a written list of participating health care providers. You have the right to cancel within the first 30 days after receipt of membership materials and receive a full refund, less a nominal processing fee (nominal fee for MD residents is $5). Discount Medical Plan Organization and administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone 800-441-0380.

The program and its administrators have no liability for providing or guaranteeing service by providers or the quality of service rendered by providers. This program is not available in Montana and Vermont. This plan is not currently available in Washington. *Medicare statement applies to MD residents when pharmacy discounts are part of program.

Get news & updates from AFSCME