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Terms and Conditions |
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| Defined Benefit Medical Plan The following Terms and Conditions regarding the various Limited Indemnity Plans offered by Preventative HealthCare Solutions, LLC., (PHS) govern your participation in our program. In these Terms and Conditions, "you" and "your" mean each person who has purchased a Limited Indemnity Plan insurance policy. Disclosure. Please note the general Terms and Conditions noted below are directional in nature. They are not intended as absolute. The official Terms and Conditions, Exclusions and Limitations that guide your insurance coverage will be mailed to you directly by the insurance carrier/s. Important: if your insurance plan involves coverage by more than one insurance carrier, you should expect to receive Policy information from EACH insurance carrier. Benefits Description. All Limited Indemnity Plan program benefits are detailed in a Benefits Guide you will receive upon joining our program (benefits are subject to change, modification or substitution with and without notice). With respect to the Discount Healthcare programs that come with your Limited Indemnity Plan, see below. Use of Membership. Your insurance benefits are not transferable or assignable. You agree to use your insurance only for those covered by the Plan. Confidentiality. Customer service for your insurance program will be handled directly by the insurance carriers involved and the discount Healthcare providers. As an extra service to you and as a part of your enrollment in this program, we may send emails, direct mailings or telephone you with offers or information that may be of interest to you. We may use outside independent contractors for these purposes, but they are also bound to strict confidentiality. Your privacy is of utmost importance to us. If you do not wish to receive such extra service notifications you may contact us at the address above and so advise. Membership Cancellation Policy. You may cancel your membership at any time. You must do so in writing by mailing a cancellation letter and your discount Member ID Card to: Preventative HealthCare Solutions, LLC, Member Services Department, 1140 Parsippany Blvd, Suite 101, Parsippany, NJ 07054. Your membership will terminate effective the first of the month following the date your notice. If you cancel within the first thirty (30) days of your enrollment, we will return 100% of your enrollment fee. If you cancel after the initial thirty (30) day period, you will receive a refund prorated to the length of time you were in the program compared to the length of time for which your payment was made. We reserve the right to cancel your membership for any reason at any time. Discount Healthcare Programs The following Terms and Conditions regarding the various Discount Health Plans offered by Preventative HealthCare Solutions, LLC., (PHS) govern your participation in our program. In these Terms and Conditions, "you" and "your" mean each person who has purchased a PHS discount healthcare service. Benefits Description. You and those who reside in your household are eligible to participate in our program. As a participant you and they are entitled to receive discounts from various healthcare providers at their locations on terms and conditions agreed to between PHS and each healthcare provider. All program benefits are detailed in a Member Guide you will receive upon joining our program (benefits are subject to change, modification or substitution without notice). In order to receive your eligible discount/s after you have registered, you will receive a membership ID Card at the time you receive your Member Guide. When you purchase goods or services covered by our program you simply present your ID Card and you will receive the discounts to which you are entitled on the spot. Important: You understand and agree that our discount program is NOT insurance, and you are solely responsible for payment for your purchase at the time your purchase is made less applicable discounts. Use of Membership. Your membership benefits are not transferable or assignable without our expressed written consent. You agree to use your membership only for your own personal use and that of your immediate family members living with you if you purchase a family plan. You understand that prescription medications are dispensed according to your physician or other healthcare professional’s terms. PHS is not liable whatsoever under any condition/s for any prescription medication dispensed or for any healthcare service delivered. Your membership in our program is strictly voluntary and is your sole decision. Confidentiality. Your pharmacy and other agents and affiliates ensure that customer prescription information is held in strict confidence. Customer service for our programs will be handled by PHS or our designated designee. As an extra service to you, we may send emails, direct mailings or telephone you with offers or information that we believe may be of interest to you. We may use outside independent contractors for these purposes, but they are also bound to strict confidentiality. Your privacy is important to us. If you do not wish to receive such extra service notifications you may contact us at the address above and so advise. Membership Term and Cancellation. You must pay the appropriate membership fee when you register in any of our programs in order to enjoy the privileges of PHS membership. You may cancel your membership at any time. If you wish to cancel, you must do so in writing. Mail your cancellation letter and your membership discount card to: Preventative HealthCare Solutions, LLC, 1140 Parsippany Blvd, Suite 101, Parsippany, NJ 07054. Your membership will terminate effective as of the date your notice of cancellation is received. If you cancel within the first thirty (30) days of your registration, we will return 100% of your registration fee. If you cancel after the initial thirty (30) day period, you will receive a refund prorated to the length of time you were in the program compared to the length of time for which your payment was made. We reserve the right to cancel your membership for any reason at any time. Providers. The following are the providers for our PHS Discount Healthcare Programs: I. Prescription Program II. Dental Discount Program III. Vision Program Our PHS Discount Healthcare Plans are NOT insurance.
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