Discount Plans: Tiered Dental, Tiered Vision and Tiered Prescription Drug Services are included at no cost in the NATIONAL GROUP BENEFIT ASSOCIATION (NGBA) Membership.

Disclosures: The discount plans are not health insurance. The plans provide discounts at certain healthcare providers for medical services. The plans do not make payments directly to providers of medical services. Members are required to pay for all health care services at the time the services are performed, but will receive a discount from contracted providers.

The Discount Plan Organization is Patriot Health Florida, Inc., located at 160 Eileen Way, Syosset, NY 11791 For assistance and information you may call 516-576-9264. To obtain additional information and an up-to-date list of contracted providers by name, city, state, and specialty in your service area, you may call customer service 800-290-5158 or go to www.UnitedBenefitsDirect.com

These plans are not available in all states. Plan administrators have no liability for providing or guaranteeing service or for the quality of service rendered. Participating providers are subject to change without notice and are not available in all areas.

1. Entire Agreement: All provisions under this Agreement, ID card and product descriptions constitute the entire Agreement between the Company and the Member. This contract is not protected by any state Life and Health Guaranty Association. Discounts on professional services are not available where prohibited by law.
    
2. Complaints: Any complaint regarding Plan Membership should be directed to Member Services at the toll-free number on the Membership card, or in writing to the address shown above in this Agreement.
    
3. Effective Date and Renewal: Your effective date is indicated on you ID card. Your plan will be automatically renewed each month until you cancel.
    
4. Adding New Members: Under the family plan, you may add family members by calling the customer service number.
    
5. Cancellation: Your Discount Medical Plan is provided to you at no charge by your association. You may cancel the Discount Medical Plan at anytime by calling: 800-290-5158.
    
6. Best Efforts: The Company shall use its best efforts to obtain acceptance from an adequate number of Providers who will agree to provide Eligible Services to Members. However, the Company does not assume any obligation if the Provider Network is not sufficient to serve Members' needs. The final selection of the medical professional and/or medical facility and the approval or disapproval of medical treatment is the Member's choice alone.
    
7. Member Card: Member will be provided with a Membership Card. Such card and other forms of identification should be carried by the Member at all times to provide proof of the right to Eligible Services under the Membership Agreement. The discounts contained herein may not be used in conjunction with any other discount plan(s). 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 Plan. In such event, members will be charged the lowest price. Plan may not be available or vary in some states.