Your membership is effective upon receipt of membership materials.  This is NOT insurance nor is it intended to replace insurance. This discount card program contains a 30-day cancellation period. The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under the Affordable Care Act or Massachusetts M.G.L. c. 111M and 956 CMR 5.00.

Unless otherwise stated, this plan provides discounts at certain healthcare providers for medical services and does not make payments directly to the providers of medical services. Plan member that are not a part of a fully funded program are obligated to pay for all healthcare services and will receive a discount from those healthcare providers who have contracted with administrator or the discount plan organization.