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Understanding Contractors Benefits:

FAQs and Expert Insights

Contractors Benefits Hub: Expert Insights and FAQs for 1099 Contractors

Welcome to the Contractors Benefits Hub Frequently Asked Questions. These Faq's should answer your immediate questions concerning the benefits offered by the Contractors Benefits Hub. Please note that the benefits offered on this hub are provided by Read through these faq's carefully, and any unanswered questions can then be raised with your liaison or by email.

There are faq's on the following benefits:-

General FAQ's

Does LifeExec cover my family?

Yes. LifeExec Advantage Wellness, Mental Health, and Protect programs covers you, your spouse, and any dependents up to 26 years old. No extra cost. No hidden fees. Advantage Wellness Plus, Accident, and Critical Health have separate family plans.

Do I need to find a provider in network or may I continue to see my current providers?

With our benefit packaging, the majority of individuals are assigned a new provider within our extensive network. This allows our members to access the quality care they need, while also providing cost savings through our negotiated provider rates. Our commitment to connecting members with top-tier healthcare providers ensures that they receive the best possible care while also maximizing the value of their benefits.

If I leave a company that provides LifeExec benefits, is it possible to purchase these benefits through another means?

Yes! Even if you leave a company that offers LifeExec benefits, you can still continue to have them. To receive the payment link, kindly send an email to [email protected] by the 20th of the month. This will ensure that you continue to receive benefits for the following month.

What happens if I see a provider outside of network?

Please note that our benefits do not cover any out-of-network provider visits or offer reimbursement for such visits. We understand the importance of accessing quality healthcare, which is why we have a vast network of providers available to our members. By staying within the network, our members can take advantage of negotiated rates and cost savings while receiving top-notch care.

Are there any restrictions or usage limits?

No. LifeExec Advantage does not have restrictions or usage limits.

Is my prescription covered?

Please use the prescription lookup to view the discount you would receive through LifeExec Advantage Wellness Plus, Wellness, or Mental Health program. You'll be able to search by prescription, amount of refills, and zip code.

What if I have Medicare?

LifeExec Advantage benefits are an excellent choice to complement your Medicare plan. The Advantage Wellness package includes telehealth services, dental, and vision care, along with pharmaceutical discounts on all prescriptions, not just generic ones.

Does LifeExec Advantage cover non US Citizens?

Yes. LifeExec Advantage benefits are available to anyone located in the United States, citizen or non-citizen.

How is this Possible?

This is always the 1st question we get when someone sees the type of quality, all-inclusive benefits they can get for themselves and their families with the LifeExec Advantage Wellness benefit plans!

It sounds unbelievable, but lucky for all of us, it's now a reality thanks to LifeExec's direct negotiation power that gives you direct member access to network providers without middle man markup, or bloat from insurance companies.

The result... the complete health and wellness package you and your family need, at a tiny fraction of the price of traditional insurance.

Considering the fact that in 2022 the national average price for individual health coverage was $502/mo, and $1,403/mo for family coverage, you can see why individuals and business groups alike are joining the LifeExec family at a record pace.

Advantage Wellness Faq's

Do I need to enroll in both Wellness and Wellness Plus?

No. Advantage Wellness Plus program includes all Wellness benefits. You will enroll in one or the other, but not both.

How much is the dental discount?

LifeExec Dental benefits are powered by Aetna Dental Access, which means you can save 15% - 50% off on over 262,000 dental practice locations nationwide. You can save on dental services such as cleaning, x-rays, crowns, root canal, filling, orthodontics, periodontics, and more.

What are some of the common conditions TelaDoc treats?

Common conditions include colds, flu, poison ivy, respiratory infections, bronchitis, pink eye, sinus problems, allergies, unusual pains, urinary tract infections, and ear infections.

Are MRI's covered?

Use Advantage Wellness to save 40%-75% on usual charges for MRI and CT Scans at thousands of credentialed radiology centers nationwide. You will be referred to a certified radiologist baed on condition, preferences, and location.

Advantage Wellness Plus FAQ's

Do Advantage Wellness Plus providers accept walk-ins?

No, members must contact our Patient Advocacy Line to schedule an appointment.

Why can't I view Wellness Plus providers?

The physician network is physician-owned. It includes +15,000 doctors throughout the US and grows every month. The physicians do not publish a list, like traditional PPOs, to reduce unwanted calls, prevent walk-ins, and the eliminate patient frustration. Instead, healthcare concierge have direct access to physician calendars so they know which doctors are currently seeing new patients and have availability on their schedules. The result is a streamlined process that gets members to the best physicians within 24-48 hours.

How do I schedule Advantage Wellness Plus appointments and follow-ups?

# Everything Begins With a Phone Call. For scheduling an appointment, you'll call our Patient Advocacy Line. Based upon the member's symptoms or needs, medical staff will provide direct primary care options for an in-office appointment with a board-certified physician or urgent care facility (in-office appointments only available within business hours of 7am to 6pm CST).

# Once the member chooses the option they would like to pursue, medical staff will schedule the appointment.

# The member is responsible for the visit fees associated with their care ($10 primary care or $25 urgent care). At the appointment, the physician will treat the member and prescribe medication if necessary.

Is Wellness Plus insurance?

No, Wellness PLUS membership is not insurance. We provide a healthcare membership based on the direct primary care (DPC) payment model – an innovative alternative payment model that consists of a flat and affordable membership fee. This membership provides unlimited access to Urgent care and Primary care but does not include coverages such as hospitalization or critical illness.

Once I see a physician, can I continue to see the same physician?

You can certainly request to see the same physician for another LifeExec Advantage Wellness Plus appointment when you call the Patient Advocacy Line. However, please note that requesting to see the same physician does not guarantee that you will be able to secure an appointment within the 24-48 hour window.

Advantage Mental Health FAQ's

What are some of the treatments TelaDoc mental health treats?

Common conditions include anxiety, depression, stress/PTSD, panic disorder, grief, family & marriage issues, and more.

What are the 44 specialties included in Alternative Medicine?
  • Acupuncture

  • Ayurvedic

  • Behavioral Health

  • Biofeedback

  • Chinese Herbal Medicine

  • Chiropractic Physician

  • Childbirth

  • Clinical Massage Therapist

  • Dermatology

  • Dietician

  • Doula Practitioner

  • Eastern Medicine BodyWork

  • Registered Nurse

  • Reiki

  • Energy Healing Practitioner

  • Feldenkrais

  • Fitness centers

  • Guided Imagery/Hypnotherapy

  • Hellerwork

  • Herbal Consultant

  • Hlthcoac

  • Holistic Nurse Practitioner

  • Homeopathic

  • Hypnotist

  • Lactation

  • Massage Therapist

  • Meditation Instructor

  • Spa

  • Tai Chi Instructor

  • Mind-Body Skills Instructor

  • Mindfulness Based stress reduction

  • Music Therapist

  • Myotherapist

  • Naprapathy

  • Naturopathic Physician

  • Nutritional Counselor

  • Occupational Therapist

  • Pain Medicine

  • Personal Trainer/Exercise Specialist

  • Physical Therapist

  • Pilates Instructor

  • QI Gong Instructor

  • Reflexologist

  • Yoga Instructor

  • Are there benefits that support pregnancy/childbirth and parenthood?

    LifeExec Advantage Mental Health includes: # Alternative Medicine services such as doula, lactation specialist, holistic nurse practitioner, acupuncture, and more

    # Pharmaceutical discount includes Prenatal tab starting at $3/month, folic + b12 tabs starting at $5/month, and more

    # Work life services include resources for childbirth and pregnancy, childcare, breastfeeding, postpartum depression, and more

    # Therapy services include women's mental health specialists

    Advantage Protect FAQ's

    Is there a limit to the number of times Advantage Wellness benefits can be used?

    No. Members and their families may take advantage of the savings any time throughout the year. Members may also change dentists within the network whenever they choose.

    Does LifeExec Advantage Protect cover Immigration related legal consultations?

    LifeExec Advantage Protect includes immigration legal consultations.

    Does LifeExec Advantage Protect cover legal support for selling/buying homes?

    The discounted fee for a residential real estate closing includes a free initial consultation and the review of the member’s purchase or sales agreement.

    Additionally, the plan attorney will provide one hour of representation at the closing for the purchase or sale of residential real estate. Additional hours will be billed at the guaranteed low hourly rate.

    All research including Title insurance, liens, deeds, property judgments, flood, hazard, or mortgage insurance, and fees associated with filing real estate documents in your state are not included in the definition or covered by this discounted rate.

    Additional work will always be done at the guaranteed low hourly rate ($125 an hour or 40% off their hourly rate, whichever is greater).

    Miscellaneous FAQ's

    If I no longer want LifeExec benefits, how do I cancel?

    No problem! With LifeExec benefits, you have the flexibility to cancel on a monthly basis. Simply cancel before the 24th of the month to avoid any charges for the following month.

    If you decide to re-enroll, you must do so before the 24th of the month to ensure that you receive benefits on the 1st of the following month. If the 24th falls on a weekend, please submit the your termination the Friday before.

    Please email any cancelations to [email protected]



    Contractors Benefits is a division of Padco Marketing LLC.

    Up until now it's been very difficult, if not impossible for small companies to offer benefits to their employees, especially 1099ers.

    Contractors Benefits offer a personalized hub with the option for your workers, including W-2's & 1099ers, to subscribe to any plan.

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    The Contractors Benefits Hub is provided by My Workers Benefits, a division of Padco Marketing LLC., Sheridan, Wyoming 82801