VHN Member FAQ

What is Value Health Network?

Value Health Network provides revolutionary access to affordable health care for the uninsured. Our members generally save 40-80% on physician's services, including primary care, specialists, radiology centers and labs. Value Health Network has discovered the best networks and brought them together to form the Value Health Network. For Medical Care, Value Health Network is powered by an exclusive robust provider network. Our partnerships with national networks provide our members with 15-50% savings on dental, through Aetna Dental Access Network, Vision through Outlook Network and pharmacy, through RiteAid and the ScriptSave Networks. Value Health Network offers revolutionary price transparency. Our members know before they go, by accessing prices online, anytime. Members pay providers directly at time of service. Anyone can join — no exclusions. It's easy and affordable to join Value Health Network. For as low as $49 per month, for a 12 month membership, VHN offers affordable access to health care for you and everyone at home. Value Health Network is not insurance, it's access to affordable health care.

Value Health's provider network is available in the New York Metropolitan area, including Westchester, Long Island, and Rockland and Orange counties, Northern New Jersey and the Metro Atlanta Georgia area. Value Health Network continues to welcome new providers into our growing network in these markets.

Who can join Value Health Network?

Anyone can join Value Health Network. There are no limitations or exclusions based on medical history, age or employment status.

What are the benefits of membership?

There are many benefits to joining Value Health Network for as low as $49/month when purchasing an annual membership of $588.

Benefits include:

• Affordable access to health care for you and everyone at home.
• Deeply reduced fees for health care: generally 40-80% savings on "retail," or "usual and customary" fees on medical services and 20-40% savings on dental, 10-50% on vision.
• Comprehensive provider network including primary care, 70+ specialties, labs, & radiology. Plus national Dental & Vision networks.

• Discounts on brand name and generic prescriptions at over 50,000 participating pharmacies nationwide, including Rite Aid.
• Special offers available only at Rite Aid Pharmacies, see Pharmacy Information page for details.

• 24-Hour Nurse Hotline and Health Education Libraries in English and Spanish.
• An on-staff Hospital Advocate who helps members get the lowest applicable rates for hospital and emergency room care.
• The power of knowledge: Members can see pricing for common procedures posted online or by calling the Customer Service Team.

What is the basis for the Value Health Network fee schedules?

Value Health Network medical access is powered by a network built just for VHN. The VHN network was built by negotiating with providers to accept reduced fees for the uninsured and under-insured in much the same way many insurance companies negotiate their allowable fees. Our regional fee schedules vary by location. These fees can be as much as 40-80% lower than the "retail" prices typically charged to the uninsured.

How is Value Health Network different from other affordable-cost health care plans?

Value Health Network members can feel confident that they're paying fair prices every time they seek care. To our knowledge, we are the only health care access plan offering transparent regional fee schedules based on the Medicare Fee Schedule, which are posted online where providers and members can find them at any time. Many other low-cost plans claim large fee reductions, but never provide the basis for those reductions, or post the actual fees online, so it's impossible for members to know whether or not they are getting a good value. With Value Health Network, the costs are transparent.

Additionally, Value Health Network is committed to offering a home grown provider roster and the highest quality customer service possible. That's why, unlike many other low-cost health care plans, we didn't just "buy" a pre-packaged network, whose providers don't even know they're part of the plan. Instead, we built an exclusive network of providers who share our commitment to making affordable health care available to every patient, insured or uninsured. The Provider Directory is available on our website at www.valuehealthnetwork.com. Members can see any provider they choose, at any time, with the knowledge that the plan will be recognized and accepted by all providers listed.

Is Value Health Network insurance?

Value Health Network is NOT insurance. It is access to affordable health care. Value Health Network offers members access to medical services at prices that are generally 40-80% below "retail." In exchange for reduced fees, members pay providers directly, at the time of service. Value Health Network does not get involved with, or take responsibility for, billing, claims or reimbursement.

How extensive is Value Health's provider network?

Value Health's provider network is robust in the markets that we serve, giving our members access to many primary care, specialists, labs, radiology and dental provider locations. To see a current list of providers and locations in your area, visit our website, look under Who's in Our Network - Medical.

Will providers recognize Value Health Network when the membership card is presented?

Yes. To create the highest quality provider network possible, Value Health Network uses a medical network built for VHN with an exclusive roster of providers who share our commitment to giving the working uninsured and underinsured a way to obtain health care services at affordable fees.

What hospitals services does Value Health Network include?

Value Health Network offers a Hospital Advocate service, which helps members obtain the lowest applicable rates for hospital and emergency room services. Value Health Network is not affiliated with any hospital. Because Value Health Network is not insurance, members are required to pay hospitals and staff directly for all services.

How do members pay their providers?

In exchange for reduced fees, members must agree to pay their providers directly, in full, on a fee-for-service basis, when they receive care. The fees for most common procedures are available one line, so members have a good idea how much their visit will cost before seeking care. This knowledge empowers our members to make educated decisions about the value of the services they seek.

Is there a co-pay?

No. Value Health Network is not insurance, so there are no co-payments, coinsurance or deductibles. In exchange for reduced fees, members are required to pay providers directly, in full, on a fee-for-service basis, when they receive care. The fees for most common procedure fees can be viewed on our website at www.ValueHealthNetwork.com, or members can call (877) 929-VALUE (8258).

How many times can Value Health Network members see their providers?

With Value Health Network, there are no limitations on the number of times members access care or pharmacy benefits. Value Health Network is not insurance, so all treatment decisions are in the hands of the provider and the patient. There are no claims, no pre-authorization or referral requirements, and no denials.

What if a member wants to see an out-of-network provider?

We cannot take responsibility for fees charged by out-of-network providers. Members are welcome and encouraged to invite their providers to join our network. Simply call Value Health Network's Customer Service Team (877) 929-VALUE (8258) give the provider's name and contact information, and we'll invite them to join. In the interim, to obtain care at the rates listed in our fee schedule, members should use our provider map to locate alternate providers.

Who is included in the Membership?

For $49 per month, with a 12 month membership ($588/annual membership), VHN offers access to affordable health care to you and everyone who resides at your home address. Each household will receive up to two Value Health Network membership cards printed with the names of all active household members. Household Members only need to supply their name, date of birth and gender. Social Security numbers are not required.

How do members use their Value Health Network membership for discounts on prescriptions?

Members must present their Value Health Network membership card along with their prescription at one of 50,000 participating pharmacies nationwide, including Rite Aid, to receive discounts on their medications. In addition, at Rite Aid stores only, members can present their card at the cash register to get 20% off Rite Aid brand products.

How are membership fees paid?

You can pay for your VHN Membership with (1) Credit or Debit Card, (2) Electronic Funds Transfer from your checking account or (3) Cash Deposit at any TD Bank. Call our Customer Service team for more details (877) 929-VALUE (8258).

What is the cancellation policy?

Value Health Network Members can cancel at any time with no cancellation fee. Members enrolled by their employers should notify the employer. If you enrolled directly with Value Health Network, you can cancel by notifying us in writing either by email to This email address is being protected from spambots. You need JavaScript enabled to view it. or U.S. Mail addressed to: Value Health Network, 630 Fairview Road, Swarthmore, PA 19081. Members who cancel within 30 days of enrollment will receive a full refund of their membership fees.