Health Advantage Membership Level

There are many benefits that are offered with the AUIC Health Advantage Plan. Members receive access to MDLive Telemedicine, Karis360 Patient Advocacy services, and more! View what benefits are offered below.

In developing this plan level we listened to the ever-growing demand for quality health services and decided to create a plan around the idea of quick and simple health options. With the AUIC Health Advantage Membership, we provide access to more health service options all for a reasonable monthly fee. The AUIC Health Advantage Membership is the second level to the AUIC Membership program and includes the following benefits.

Exclusive Access to Group Rates on Insurance Products

Core Health Insurance provides Guaranteed Acceptance coverage for your basic medical needs, helping to provide a medical option for people who do not have the luxury of being covered by a comprehensive health insurance plan. Plans include benefits for a doctor, emergency, and ICU visits. You also have the freedom to choose any provider.

FlexTerm Health Insurance helps to protect you from the
medical bills that can result from unexpected Injuries and

Safeguard your financial future with FlexTerm Health
Insurance. It provides the peace of mind and health care
access you need at a price you can afford.

MDLIVE TeleHealth

MDLIVE allows for families to avoid long waits and eliminates the cost associated with potentially unnecessary visits to the ER or Urgent Care. It provides access to a doctor when your family doctor is unavailable. This national network is available 24/7, including holidays, to provide quality, affordable care.

Doctor Access

MDLIVE doctors are always on call, including nights and weekends.
No more waiting days or even weeks to see your doctor.

Common Symptoms Treated

Allergies, asthma, cold, flu, fever, headache, rashes, Diarrhea, joint or muscle aches, urinary tract infections, vomiting, Infections, nausea, pink eye, sore throat, and more

Freedom of Choice

All doctors are Board Certified, with an average of 15 years experience. 2,300+ doctors from which to choose. Average wait for an appointment is approximately 22 minutes.

Save Time and Money

ER visits can be costly. Your monthly MDLIVE service fee allows for unlimited consultations. MDLIVE has a mobile app to help members schedule appointments and maintain records.


A comprehensive suite of services that make healthcare work. Karis360® positively transforms the member’s healthcare experience while providing exemplary service that delivers superior results before, during and after a healthcare event. With highly personalized, caring, expert service, Karis360 delivers real, measurable results, saving you time and money.

Healthcare Navigator®

Advisors empower members with healthcare knowledge and confidence while saving them time and money. Advisors assist you with physician, prescription cost and healthcare facility searches, as well as health cost estimates, alternative medicine options and Affordable Care Act (ACA) answers, and more.

Surgery Saver®

Surgery costs can vary greatly from facility to facility, and from experience, we have seen a 66% cost difference for the same
surgical procedure with no appreciable difference in quality. An expert Advisor shops up to five surgical facilities to verify the best available price, quality and availability for non-emergency procedures, as well as physician privilege verification.

Bill Negotiator®

Since 2008, we have earned an average of 80% savings on the members’ out-of-pocket portion of medical bills through our negotiations. A dedicated Patient Advocate works directly with a member’s healthcare providers to help reduce their out-of-pocket portion of their medical bills.

Chaplaincy Service®

On-call Chaplains are available to spend time with members on the phone, listening and providing support. Sustaining, guiding and healing, Chaplains help you find answers and direction.

Karis360, Healthcare Navigator, Surgery Saver, and Bill Negotiator are registered trademarks of The Karis Group. Karis360

is not insurance and does not provide funds to pay for bills. This is a best-efforts service and results can not be guaranteed.


AUIC Members have access to discounts on lab work, which includes a private and secure online account called “MyDLS” where you will access your orders, print your lab requisition, and retrieve your results. DirectLabs offers a wide variety of important health and wellness blood chemistry tests directly to you online. Confidential results are available online in as little as 24 hours for most tests.

Drug Card America

With an AUIC membership, you will receive a prescription savings card designed to help lower the cost of brand-name and generic prescription drugs. Able to be used at over 62,000 participating pharmacies nationwide, this program provides an average savings of 38% (program savings data).

EPIC Hearing Healthcare Service

This is a program for managing hearing care and obtaining hearing aids through a national network of preferred providers.