This Agreement is between yourself (“Benefit Participant”) and Health Benefit Card Plus, and sets out the terms and conditions of the Health Benefit Card Plus program, which is administered by Health Benefit Card Plus.  This agreement shall be effective on the date of acceptance of the Benefit Participant’s application for enrollment in the Health Benefit Card Plus program and payment of the enrollment fees.

The Health Benefit Card Plus program is not an insurance policy.  Rather, it is a Point of Service (POS) healthcare savings program whereby the sponsors of the program have negotiated to obtain real time savings from the providers of the services and goods.  No portion of any provider’s fee or cost will be reimbursed or otherwise paid by Health Benefit Card Plus.  Benefit Participant is solely responsible for payment of all provider fees and costs.  Health Benefit Card Plus only obligation under this agreement is to administer enrollment of the Benefit Participant and participating providers.  Health Benefit Card Plus savings cannot be utilized in conjunction with any other discount or savings program.  Note to Utah Residents: This contract is not protected by the Utah Life and Health Guaranty Association.

It is the responsibility of the Benefit Participant to call Health Benefit Card Plus for a list of participating providers in the area, or to verify that a provider is a current participant in the program.  Benefit Participant will always be responsible for payment for the services provided as well as related expenses.  The actual benefits offered by Health Benefit Card Plus may vary from state to state, and the list of Health Benefit Card Plus providers is subject to change at any time without further notice to you. Health Benefit Card Plus or its agents have inquired of participating providers to ensure appropriate credentials to provide the requisite services and goods, but may not have performed any additional inquiries as a result of the responses received, and assume no obligation to do so.  Health Benefit Card Plus and its administrators have no liability for providing services or guaranteeing services or the quality of services or goods delivered by the respective providers to the members or participants.

The actual savings you derive will vary, depending upon your location and the specific services or product purchased.  Savings will be derived from a discount from the provider’s published fees, as the same may change from time to time.  All fees listed or quoted by Health Benefit Card Plus are based upon information which they believe to be accurate.  However, all fees and prices are subject to change at any time without notice. 

If you decide to cancel this agreement due to a modification of the Health Benefit Card Plus program, the liability of Health Benefit Card Plus shall be limited to a refund of membership fees paid for the period subsequent to the modification.  This agreement constitutes the entire agreement between Benefit Participant and Health Benefit Card Plus.  THERE ARE NO WARRANTIES; EXPRESS OR IMPLIED OTHER THAN EXPRESSLY STATED HEREIN.  Benefit Participant hereby waives any claim he or she may have against Health Benefit Card Plus attributable to ministerial or typographical errors.  This agreement may only be amended by Health Benefit Card Plus in writing.  Health Benefit Card Plus may, if it deems necessary, assign its duties and responsibilities hereunder to third parties, and shall be relieved of any further liability hereunder.

This agreement shall be governed and construed in accordance with the laws of the state of Texas.  Any dispute arising from or relating to the agreement shall be resolved by binding, non-appealable private arbitration, conducted in accordance with the rules of the American Arbitration Association.  Exclusive venue for such arbitration shall be in Texas unless otherwise designated by Health Benefit Card Plus or its successors.  These provisions shall survive termination of membership in the Health Benefit Card Plus program.

Required State Disclosures
KY: This contract is not an insurance policy and is not protected by the Kentucky Life and Health Guaranty Association. 

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