Frequently Asked Questions - General

Are your programs insurance?

Our benefit programs are NOT INSURANCE. These programs are known as discount programs or reduced-fee for-service programs. They offer our members a pre-negotiated discount for the services provided.

Are your programs available nationwide?

Yes, most of our programs are national programs with some exceptions. This program is not available in Alaska, Montana, Rhode Island, Utah, Vermont and Washington.

What does household mean?

For our non-insured discount products, a household consists of all people who occupy a particular housing unit as their usual residence, or who live there at the time of purchase of services or goods and have no usual residence elsewhere. This also includes students away at school. Households include not only occupants related to the householder, but also any partners, wards, foster children and extended family members who share the living quarters of the householder.

Am I eligible for your programs?

Everyone, without exception, qualifies for any of our non-insured discount or reduced fee-for-service programs.

What is your refund policy?

You can cancel participation in the program at any time. If you do so within 30 days of receipt of your membership start date, you will receive a full refund of all fees, minus the one-time non-refundable processing fee. After the first thirty (30) days, you may cancel participation at any time and if you have pre-paid any membership fees, the prepayment will be refunded on a pro-rata basis for months you have not used. Notification must be received at least five (5) business days in advance of the next billing cycle for you not to be charged for that billing cycle.