73% of Americans have trouble receiving medical care without having to visit the emergency room. You save time and money with 24/7 access to a doctor by phone or online video anytime, anywhere. Doctors offer a diagnosis, treatment options and prescription, if medically necessary. By using Teladoc instead of going to an urgent care clinic or ER, members cut unnecessary out-of-pocket cost and time wasted in crowded waiting rooms.

With our Family Wealth Special Offer you will receive:

• On-demand healthcare - wherever, whenever
• Treatment for common medical issues such as colds, flu, poison ivy, respiratory infections, bronchitis, pink eye, sinus problems, allergies, urinary tract infections and ear infections
• 10 minute average doctor response time
• Visits for all ages - from children to seniors
• U.S. board-certified doctors with an average 20 years practice experience.
• Upon member request, Teladoc can share visit information with their doctor.

51% of employees say they are less productive at work as a result of stress. You have access to experienced counselors who help solve personal problems 24/7. You can discuss everything from depression, anxiety and stress, to struggles with family, work and substance abuse.

With our Family Wealth Special Offer you will receive:

• Help with loss, grief, change, transition or abuse
• Access to free, confidential counseling by phone
• Counselors have a master's degree and at least five years experience.
• Counselors follow up and monitor progress until member is satisfied.
• When appropriate, member can be referred to local licensed counselors.

One in three employees admit to being less productive at work due to financial stress, costing businesses nearly one month of productive work days every year. Financial Wellness guides you through the major financial changes you'll face throughout life, from paying for college to buying a home to navigating the loss of a spouse. You can achieve financial wellness with live one-on-one coaching from accredited financial counselors and independent learning through online resources.

• Accredited or Certified Financial Counselors are accessible by phone to assess issues, discuss options, and help members determine the best course of action for their situation.
• Online Financial Wellness Center does the heavy lifting for research, providing a variety of vetted articles, videos, worksheets, checklists, and more to guide the member's financial wellness journey.

Established learning tracks include resources for major life events, like getting married or having a child, and general financial goals, like developing a budget and eliminating student debt.

*Financial Helpline does not provide investment, legal, or tax advice.

Prescription drugs continue to be a leading contributor to the rising cost of healthcare. You can take control of their healthcare costs and save on prescription medications with Retail and Mail Order Pharmacy. You save 10% to 85% on most prescriptions at 60,000 retail pharmacies nationwide, and on 30+ day supply prescriptions shipped directly to your home with free standard shipping.

Participating retail pharmacies include:

• Walgreens
• Target
• CVS
• and many other independent national, and regional chains

Event if you already have insurance, you can present both cards at the pharmacy or research online to receive the lowest price.