Affordable Healthcare Made Easy

Unlimited, 24/7 access to quality healthcare for less then $20 per month.

Over 8 Million Members Access Local US Board Certified Doctors, Life Consultants, Legal & Financial Advisers and Patient Advocates through this program. Plus, receive savings on everyday Healthcare goods and services like vision, dental, labs and more!

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Healthcare… the way it should be!

Welcome to CADR+ Aetna, an innovative new healthcare program that gives you unlimited, 24/7 access to local doctors and other industry professionals from the comfort and convenience of your phone or computer, all for less than $20 per month for your ENTIRE family. It’s on-demand Healthcare… for the body, mind and wallet!

All These Services, One Low Monthly Price

Unlimited, 24/7 access for you and your family, for just $19.95/mo.


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U.S. Board Certified Doctors

In under 2 minutes, consult with a local US-based, licensed doctor who can diagnose non-emergent, medical conditions and prescribe medication.

Unlimited Membership - just $19.95 per/month!

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Aetna RFL Consultants

Speak directly with highly educated, vetted & trained consultants are ready to listen and help guide you through life's challenges.

Included at no charge with Membership!

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Legal & Financial Advisors

Talk with a network attorney or financial consultant for up to 30 minutes free per issue, for an unlimited number of issues.

Included at no charge with Membership!

Legal Financial

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Bill Review & Mediation

Have unresolved hospital bills totaling over $2,500? Let our Patient Advocacy team work directly with the hospital on your behalf to lower your payments.

Included at no charge with Membership!

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WellCard Discount Card

Savings on a wide range of healthcare products and services like prescription drugs, lab tests, vision, dental care and prescriptions.

Included at no charge with Membership!

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Online Worklife Resources

In-depth resources and guides for daily issues from adoption to college planning, elder care, disaster relief, emergency care and more.

Included at no charge with Membership!

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Did You Also Know?





Chris McCool
SVP Marketing & Sales | Pepsi Bottling Ventures

Leading corporations and organizations across America have
already activated a CADR+ Healthcare Plan for their employees.







Now, YOU can too, enroll in CADR+ Aetna Today!

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CADR+ is not health insurance and does not replace your primary care physician, but is a healthcare resource platform designed to give you access to licensed doctors who can diagnose non-emergent medical conditions and prescribe medications if necessary to improve wellness and a healthy lifestyle. If you have an urgent medical condition, please dial 911. All services HIPAA compliant.

Telemedicine

Consult A Doctor 24/7 by Phone, Video or E-mail

Imagine a world without doctor's waiting rooms. Now, you can. Consult A Doctor provides you with phone and e-mail access to licensed US physicians, 24 hours a day, 7 days a week. Need medical advice at 2 a.m.? Or, a prescription while traveling? Consult A Doctor delivers the finest physician care - anytime, anywhere, for anyone.

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A Fresh, Bold Approach to Healthcare

Consult A DoctorTM provides on-demand, 24/7 phone, video and e-mail access to US Board Certified doctors, who can diagnose your problem and prescribe medication when needed. Individuals and families can consult immediately with our network of U.S.-based, local state-licensed doctors for common, non-emergent medical conditions.

While healthcare as we know it slows to a crawl, further strained by the passing of the Affordable Care Act, Consult A Doctor transforms traditional healthcare delivery by harnessing the power of digital telephony and technology. As a result, Americans nationwide can now experience real-time, quality physician care - anytime, anywhere, and for anyone.

If you currenty have health insurance coverage, enrollment into CADR+ will save you valuable time and money with NO office visits and NO office copays or additional fees.

Arrow If you currently have no health insurance coverage, membership in the CADR+ Plan will give you unlimited access to local doctors and Rx perscriptions for the non-emergent care you and your family deserves for less then $20 per month.

Multiple Ways to Consult with a Doctor


Telephone/App

Online/App

Consultations By Phone

Consultations By Email

Consultations By Video

On-Call

  • Talk to a doctor in under 2 minutes
  • 24/7 informational consultation
  • Get answers to important medical and health questions
Priority

  • Talk to a doctor in as little as 30 minutes, 1 hour guaranteed
  • Comprehensive diagnostic consultation
  • Treatment plan
By Appointment

  • Schedule a time to talk to a doctor (MON – FRI)
  • Comprehensive diagnostic consultation
  • Treatment plan
E-Consult

  • Email a doctor about symptoms or medical questions
  • Response within 2 to 4 hours
  • Secure and discreet for sensitive issues
Video

  • Face-to-face consultation
  • Comprehensive diagnostic consultation
  • Recommended treatment plan
  • No diagnosis, no prescription (Rx)
  • Prescription (Rx) or refill if appropriate
  • Prescription (Rx) or refill if appropriate
  • No diagnosis, no prescription (Rx)
  • Prescription (Rx) or refill if appropriate

Membership Benefits

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  • On-Demand Physician Care
    Call or e-mail a doctor 24/7, without long waits at the doctor's office, urgent care or emergency room. Obtain information, treatment recommendations, and prescription medication, when appropriate.*
  • Request Prescription Medication
    Get timely prescription refills, enjoy convenient pickup at your nearest pharmacy.
  • Coverage for your entire family
    Instant, affordable coverage for all ages - from children to senior citizens - with NO age limit living within your home -OR- living across the country!
  • Nationwide medical expertise
    All physicians are U.S.-based, state-licensed, and NCQA-certified. Availability in 49 of 50 states.
  • Also, You Get Easy-to-use online health tools
    Powerful online applications to help identify and optimize lifestyle factors. Store and share your personal health records

 

When to use Consult a Doctor

  • Need information for non-emergent medical issues
  • Have no health insurance coverage and need access to a local doctor and/or prescription medication
  • After-hours or on weekends and holidays, when your primary care physician is unavailable
  • Require medical advice and care, without the inconvenience of time off work
  • Need prescription medication for a common malady or a refill*
  • While traveling or on-the-go

Common Non-Emergent Medical Conditions Treated

When your primary care doctor is not easily accessible -OR- if you currently have no health insurance coverage for acute conditions like:
 
  • Cold/Flu
  • Sinus infections
  • Eye/ear infections
  • Bronchitis
  • Allergies
  • Headaches
  • Stomach Ache/Diarrhea
  • Rash/skin irritations
  • OB/GYN
  • Upper Respiratory infections
  • Urinary Tract Infections
  • Yeast infections
  • Pediatrics
  • And more…

My Personal Health Manager

Additional Health Services at Your Fingertips


Health LibraryHealth Library
The latest articles sorted by topics, popular & key words.
Interactive Health toolsInteractive Health Tools
Help to stop smoking, learn about diet, nutrition & more.
Health Risk AssessmentHealth Risk Assessment
Interactive tools identify health risks & promote wellness.

 
Symptom CheckerSymptom Checker
Questionnaires designed to narrow down condition or illness.
Wellness ToolsWellness Tools
Promote prevention with discount wellness tests.
ePerscribingElectronic Prescriptions
Safer, faster way to get RX medication when needed.

* To receive a diagnosis the member must complete a medical history assessment prior to consultation. There is no guarantee that member will receive prescription (Rx) medication, diagnosis or treatment plan. CADR+ is not health insurance and does not replace your primary care physician, but is a healthcare resource platform designed to give you access to licensed doctors who can diagnose non-emergent medical conditions and prescribe medications if necessary to improve wellness and a healthy lifestyle. If you have an urgent medical condition, please dial 911. All services HIPAA compliant. CADR+ is not available in Idaho.

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Telephone Consultations

Don’t let stress and anxiety beat you, fight back!

Today's hectic lifestyles create stress, depression, anxiety and other personal issues for many people. According to recent studies, over 75% of all doctors office visits originate from stress related factors. Aetna Resources For LivingSM helps you handle life's challenges.

Arrow This service is included at no additional monthly charge with enrollment in CADR+.

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The help you need is a phone call away!

Resources for Living's telephone consultation provides immediate, customized help. With Resources For Living's telephone consultations, you can speak with a Master's-level clinician any time - 365 days per year - from the comfort and privacy of home or anywhere else you choose. From the moment you call, you engage instantly with a clinician - with no limit on the time it takes to help resolve your issues.

Aetna Resources for Living has found that 80% of all issues can be resolved within this fantastic program, with the remaining 20% being referred out to strategic partners. The flexibility of their short-term telephonic consultation model ensures you receive the appropriate consultation, avoiding unnecessary use of health insurance benefits, saving you time and money.

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How Telephonic Consultation Works:

  1. Call anytime, 24/7 and speak directly with a Master’s Level clinician
  2. Engage instantly, with no limit on how long it takes to solve your problem
  3. The initial assessment includes basic demographics, assessment of presetting requests or issues, assessment of imminent risk, and referrals.
  4. If additional help is needed, they refer you to a clinician who provides support, additional assessment and any needed referrals.
  5. If a risk is identified, they will take steps to ensure you are safe and provide you with the appropriate follow-up and referrals.

You are no longer alone in your fight against stress… let us help!

Telephone Consultation Services are provided by Aetna Resources For Living SM (Aetna RFL) is the brand name used for products and services offered through the Aetna group of subsidiary companies (Aetna). CADR+ services will be managed and provided separately and independently from Aetna RFL. Aetna RFL is not connected to nor in any way responsible for the services, advice, guidance, information or treatment provided pursuant to or arising from CADR+ services.

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Legal Services

Legal assistance is an ever growing need

More and more, average, everyday Americans like yourself are finding themselves in need of legal assistance. But who do you turn to? Who can you trust? With our legal services, you get access to our network of network attorneys, who specialize in whatever legal service you need. One simple phone call and you’re connected!

Arrow This service is included at no additional monthly charge with enrollment in CADR+.

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Legal specialists you can trust!

As the world grows ever more complex, the issues people find themselves facing become more complex as well. People every day are struggling with issues surrounding marriage and divorce; custody and child support; consumer transactions and housing - and the list goes on.

Yet when confronted with a legal issue, most people don't know where to turn to obtain professional guidance. And cost often presents a substantial barrier. According to the Federal Trade Commission a full 70 percent of the population does not seek legal counsel due to fear of the cost. With our Legal Services, the help you need is now within reach!

Affordable Legal Help

Your legal assistance benefit provides one (1) initial 30-minute office or telephone consultation per separate legal matter with a network attorney - at no cost. If additional assistance is necessary, you will receive a 25 percent reduction in the attorney's normal hourly rate.

Easy Access

To access this benefit, simply call Resources for Living using your toll-free number. After a brief intake and discussion, you will receive a referral to a network attorney who specializes in the issue. The case is monitored throughout the process to help ensure satisfaction.

 

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Legal Services Can Help With:

  • Family or domestic law - contested divorce, contested child support, contested spousal support, domestic violence, custody issues
  • General - civil, real estate matters, bankruptcy, landlord/tenant issues, collection, contractual disputes Criminal - criminal charges, juvenile matters, DUI
  • Parents - probate, Social Security, Medicare
  • Elder law and estate planning - wills (preparation and review), trusts, probate, Social Security, Medicare
  • Motor vehicle - traffic tickets, driver's license matters, collection/personal injury
  • And more!

Next time your in a jam, turn to our Legal Services for help!

Legal Services are provided by Aetna Resources For Living SM (Aetna RFL) is the brand name used for products and services offered through the Aetna group of subsidiary companies (Aetna). CADR+ services will be managed and provided separately and independently from Aetna RFL. Aetna RFL is not connected to nor in any way responsible for the services, advice, guidance, information or treatment provided pursuant to or arising from CADR+ services.

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Financial Services

The answers you need for your money matters

Finally, you can find the answers you need for your money matters. One toll-free call puts you in touch with a financial consultant ready to help you with a wide range of issues. Whether it's about budgeting and debt management, or tax matters and retirement planning, you have access to the resources you need.

Arrow This service is included at no additional monthly charge with enrollment in CADR+.

Patient Advocacy


Financial specialists you can trust!

Information is at your fingertips by phone or through the Internet. Find help with creating a budget and managing debt, understanding bankruptcy options and requirements, avoiding foreclosure and handling creditors, preparing for a home purchase and saving for your down payment, setting financial goals and deciding on investment strategies or planning for college expenses and finding the right tuition plan.

And you have access to a website packed with information and resources! Our on-demand online resource center includes a library of articles on financial topics written by experienced professionals. Or take advantage of the many tools and financial calculators.

Financial services can help you with:

  • Budgeting
  • College Funding
  • Estate Planning
  • Debt Management
  • Credit Repair
  • Investment Planning
  • Credit Report Analysis
  • Retirement Preparation
  • Medicare/Social Security

 

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How Financial Services Works:

  1. Call our toll free number at anytime, from anywhere
  2. Answer a few brief questions about your situation
  3. You will then be transferred to our Financial Services team
  4. If you prefer, you can choose to have them call back at a time that’s more convenient
  5. And you’re on your way to unraveling your financial issues!

Money problems? We’ll help you get everything straightened out!

Legal Services are provided by Aetna Resources For Living SM (Aetna RFL) is the brand name used for products and services offered through the Aetna group of subsidiary companies (Aetna). CADR+ services will be managed and provided separately and independently from Aetna RFL. Aetna RFL is not connected to nor in any way responsible for the services, advice, guidance, information or treatment provided pursuant to or arising from CADR+ services.

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Patient Advocacy

Help with your medical bills is a just call away!

Having a health issue which requires medical care is one thing, having exhausted all benefits and still owing medical bills is another. Does this sound like you? Let a personal negotiator go to bat for you - and at no charge! Our Patient Advocacy team will step in and do the legwork for you while you focus on getting well.

Arrow This service is included at no additional monthly charge with enrollment in CADR+.

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Our Patient Advocacy Team Has Your Back!

When discounts and reimbursements are not enough, our Patient Advocacy service is initiated and provides you with unparalleled attention and dedication to finding the best solutions for resolving their outstanding medical bills. Since we treat each you and your locality and provider as a unique combination of variables, we are able to deliver a customized and comprehensive solution that goes far beyond the benefits of a one-size-fits-all approach.

Once engaged, our Patient Advocacy team takes responsibility for the flow of paperwork and communications with each provider as we pursue mutually acceptable solutions. Our team works with clients and providers nationwide, negotiating almost ten thousand bills a year and saving our clients and their members or employees over $2 million dollars a month.

Do You Qualify?

You may qualify for Patient Advocacy if you:

  • Received care for a single related medical event at a hospital, emergency clinic or surgical center
  • Were an active member of the CADR+ program at the time of the event
  • Were left with a balance over $2,500, even after discounts and medical benefits were applied

Your Personal Negotiator

Your personal negotiator acts on your behalf to:

  • Mediate solutions for remaining bills with medical facilities
  • Apply for financial assistance
  • Arrange a payment plan
  • Negotiate a settlement

 

 

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Here's How Patient Advocacy Works:

  1. Call to see if you qualify. You'll answer a few questions and fill out a Medical Information Release Form.
  2. Within two business days of receiving your returned release form, a Karis Group representative will call you to confirm your eligibility for the Patient Advocacy program.
  3. If you qualify, you will be assigned a personal negotiator who will call you to discuss options.
  4. Your negotiator will contact the medical facilities and work directly with them to resolve your outstanding bills.
  5. Your negotiator will give you a progress report along the way.

Don’t struggle with left over medical bills, let our Patient Advocacy team step in and help!

Patient Advocacy Services are provided by Aetna Resources For Living SM (Aetna RFL) is the brand name used for products and services offered through the Aetna group of subsidiary companies (Aetna). CADR+ services will be managed and provided separately and independently from Aetna RFL. Aetna RFL is not connected to nor in any way responsible for the services, advice, guidance, information or treatment provided pursuant to or arising from CADR+ services.

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WellCard Health

Save BIG on Healthcare products & services

Our prescription and healthcare discount card* gives you and your family access to savings on a wide range of health care products and services, including prescription drugs, lab tests, vision care, and dental care. You'll save on all of these with ONE CARD. It's simple to use, and saves you time and money!*

Arrow This service is included at no additional monthly charge with enrollment in CADR+.

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An empowering health and wellness program

WellCard Health gives you and your family access to pre-negotiated discounts on prescription drugs and a wide range of health care services. WellCard Health gives you access to over 410,000 Physicians and 45,000 ancillary provider locations throughout the United States. Plus, over 59,000 nationwide pharmacies accept WellCard Health with availability for mail order and specialty pharmacy. And all services are available with no administrative fees to you or your family.

We call it WellCard, you’ll call it EMPOWERING!

Save up to 50% on a Wide Range of Services

  • Doctor Visits - save up to 25%
    Over 450,000 physicians and ancillary providers nationwide provide a full range of specialties and services. WellCard participants average savings of 20% at time service is rendered.
  • Dental - save up to 50%
    WellCard is accepted at over 70,000 provider locations nationwide, and covers all dental services and specialties, including orthodontia. Savings can be as high as 50%, and there is no limitation on services or use.
  • Vision - save up to 50%
    WellCard is accepted by over 11,000 OUTLOOK vision providers. Cardholders receive up to 50% savings on lenses, frames, and other vision needs.
  • Surgical Centers - save up to 80%
    Members have access to surgical centers of excellence throughout the United States at a savings of 30-80%. Professional Care Coordinators assist with scheduling, travel, and accommodations.
  • MRI & Imaging - save up to 70%
    WellCard participants receive concierge appointment service and enjoy savings of 20% and more on MRI, PET, and CT scans, as well as other imaging services at over 3,900 locations nationwide.
  • Lab - save up to 60%
    WellCard participants save up to 60% using the online search tool to locate a lab and order their test. Actual savings are displayed immediately. Test results are available within 48-96 hours.
  • Prescription Drugs - save up to 65%
    WellCard is accepted at over 59,000 pharmacies nationwide. Over 60,000 brand and generic drugs are included, with savings as high as 65%. WellCard may be used any time and with no annual limit.
  • Hearing - save up to 15%
    WellCard participants receive a free hearing test and 15% discount on over 80 models at 1,350 Beltone locations nationwide, with a Lifetime Care Program included.
  • Diabetic Care Services - save up to 10%
    A full line of diabetes testing supplies are delivered directly to the member's home. Members receive free access to a Certified Diabetes Educator and Envoy Health newsletter with tips on living with diabetes.
  • Vitamins - save up to 10%
    A wide range of vitamin and mineral supplements are delivered directly to the member's home at discounted rates.
  • Daily Living Products - save up to 10%
    A wide range of medical supplies, safety equipment, and health products are delivered directly to the member's home at discounted rates.
  • WellCard Rewards - get cash back
    Cardholders receive a percentage of their purchase back as cash when shopping online with hundreds of merchants.

How It Works

How It Works:

  1. Upon enrollment into CADR+, you'll be prompted to register for your card, after registration is complete, you print out your card.
  2. Find a provider by clicking on the service that you need, then the ‘Locate a Provider’ tab for that service.
  3. Schedule your appointment with the provider you select.
  4. Go to your appointment and pay at the time of service.

Yup, it’s that easy!

This WellCard Health card is not an insurance card. The plan provides discounts at certain healthcare providers for medical services. The plan does not make payment directly to the providers of medical services. You are obligated to make payment for services but you will receive a discount from those providers contracted with the plan. The name and address of the discount medical plan organization is AccessOne Consumer Health, Inc. 84 Villa Rd, Greenville, SC 29615.

This WellCard Health card plan is not currently available in the following states AK, MT, and VT.

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Online Worklife Resources

On-demand resources for you and your family

Tired of searching the web for the help that you need for you and your family and not knowing which information you can trust? Look no further! Our online resources and discount center gives you on-demand access to hundreds of articles, webinars, resource libraries and easy-to-use tools.

Arrow This service is included at no additional monthly charge with enrollment in CADR+.

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At your fingertips and on your schedule!

People face the challenge of balancing their professional and family lives everyday, and they need answers fast. My Life Values provides those answers through it’s web enabled member assistance and worklife platform. Beyond just helping to locate child care, our website offers you easy, online access to a proprietary database of over one million worklife providers, useful and compelling research and information on health and wellness, robust concierge resources and discounts at a network of national vendors.

Using the site, you can gather information and make important decisions about family, health, leisure time and how to get “the most for their money”… all through one web tool that you can use are your pace and on your schedule.

Categories

My Family
My Family provides links to dependent care resources to assist you with your family care giving responsibilities, for family members of all ages.
My Health
The My Health portal for health and wellness helps you make better health decisions by providing high quality health and lifestyle info when needed.
My Time
My Time provides you with recommendations and answers to specific questions about your home, dining, travel, entertainment, sports and recreation.
My Money
Everyone wants to make sound purchasing decisions and spend wisely. My Money helps you do both, capitalizing on e-commerce to broaden benefit offerings.


Online Worklife Resources


  • Child Care Resources. A searchable network of over a million providers, including attorneys, babysitters, child care providers, schools, fitness centers and more on topics including adoption, child care, health & safety, grandparents, infancy, parenting, school-age children, starting a family, summer care and toddlers/preschoolers.
     
  • College and Education. Find out information on financial aid, saving money, preparation tips for both parents and students. Learn about school selection and receive tips for your school-aged children.
     
  • Emergency Preparedness. Download a Disaster Supply Kit Checklist and find links to several organizations that can help.
     
  • Military Life. Find resourceful articles on deployment and returning home and find additional resources to help you cope with life as a Military family.
     
  • Pets. Learn more about adopting pets, pet care and more.
  • Worklife Library. View a full list of links for a host of WorkLife Notes. All WorkLife Notes are written by Aetna's experienced communications staff of Master's-level, Licensed Clinical Social Workers and Therapists.
     
  • Online Webinars. Free weekly webinars on a variety of topics from coping methods during our current economic state to health living and more. Each month, a 1 hour webinar is offered along with shorter, 30 minute webinars throughout the month.
     
  • Online Concierge. You'll find an assortment of assistance with everyday needs, such as dining, air conditioning and cooling, cleaning services, electrical, flooring, fencing, painting, plumbing even tickets planning and much more!
     
  • Discount Center. Save an average of 25% on over 3.5 million products and services.

    All of this and more it’s just a click away… anytime, anywhere!

    Online Worklife Resources are provided by Aetna Resources For Living SM (Aetna RFL) is the brand name used for products and services offered through the Aetna group of subsidiary companies (Aetna). CADR+ services will be managed and provided separately and independently from Aetna RFL. Aetna RFL is not connected to nor in any way responsible for the services, advice, guidance, information or treatment provided pursuant to or arising from CADR+ services.