| The following terms and conditions are included in the
membership packet. |
| 1. Member is defined as primary member, spouse, and all
household members. All household members are automatically registered and no
additional registration is required. |
| 2. At any time, a participating professional may be eliminated from the
respective network in which they are associated. |
| 3. Companies providing discounts in this
program are not a licensed insurer, health maintenance organization, or
other underwriter of health care services. No portion of any provider's fees
will be reimbursed or otherwise paid. |
| 4. The discounts contained herein may not be used in conjunction with
any other discount plan or program. All listed or quoted prices are current
prices from participating providers and subject to change without notice.
From time to time, certain providers may offer products and/or services to
the general public at prices lower than the discounted prices available
through this program. In such event, members will be charged the lowest
price. |
| 5. Providers are subject to change without notice and programs may vary
in some states. This is a discount membership program only, not insurance,
and may be discontinued or modified at anytime. You will receive notice if
plan is discontinued or materially modified. |
| 6. Savings are based upon the provider's normal fees. Actual savings
will vary depending upon location and specific services or products
purchased. |
| 7. This program is a referral and discount plan and does not warrant
professional services, nor is it responsible for the quality of care
received. This program makes no warranties express or implied concerning
services or care provided. |
| 8. Companies providing discounts in this program are not
licensed to provide medical services or items to individuals. Providers
contracted by each network associated with this program are solely
responsible for the professional advice and treatment rendered to members
and each company disclaims any liability with respect to such matters. |
| 9. Refund Policy and 30-day Money Back Guarantee: If you cancel for any
reason within 30 days of the effective date, you will receive a full refund
of paid membership fees. Non-refundable one-time fees will be disclosed at
the time of application. In TN and AR all fees are refundable. |
| Note: This contract is not covered by any life and health guarantee
association. |
| |