Terms & Conditions



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 plans and 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 plans and 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.