Terms & Conditions


Terms, Conditions and Disclosures

This plan is NOT insurance. This is your agreement as Cardholder with Coverdell & Company, Inc. (a “discount medical plan organization,” “DMPO”). It is effective on the date of acceptance of Cardholder’s application for enrollment in the Best Benefits Program (“Program”) and for the period of your plan.

DMPO shall provide Cardholder with a listing of participating providers. Cardholder shall excuse DMPO from any liability for errors in such listings. Providers are subject to change without notice. Cardholder is responsible for choice of provider, verification that the provider is a current participant and for payment for goods and services. No portion of any provider’s fee will be reimbursed or otherwise paid by DMPO. Cardholder is solely responsible for payment. Savings are based on the provider’s usual fees or on national or regional fees for the service or product. Actual savings will vary depending upon your location and the specific products or services purchased. Providers may offer certain products or services to the general public at prices lower than the Program price. In that event, members will always be charged the lower price. This is a discount program and not insurance. Program discounts cannot be used in conjunction with any other network based program.

Although DMPO screens participating providers to ensure appropriate credentials and qualifications to provide goods and services, DMPO does not otherwise guarantee nor is responsible for the quality of such service or product purchased by Cardholder.

Payment of membership fee is made by the billing source authorized by you in accordance with the payment terms to which you agreed. DMPO reserves the right to increase or decrease the membership fee for each renewal membership term effective upon renewal of your membership. You will be notified at least 30 days prior to any membership fee changes. Membership is not transferable. Only you and your immediate family may use the membership. “Immediate family” means you, your spouse and children living at your home. Should a single member wish to add family members, call the customer service number shown on the membership I. D. Card.

General Complaint Procedure. Complaints of any nature may be filed with Coverdell & Company, Inc. the discount medical plan organization at 8770 W. Bryn Mawr, Suite 1000, Chicago, IL 60631. Complaints will be acknowledged in writing within 5 business days and will be resolved in writing to you within 30 calendar days. Should you remain dissatisfied with the results from your complaint with the discount medical plan organization, you may contact the Commissioner of Insurance, Division of Insurance, the insurance department, or other agency which regulates this product in your state. Note to Texas Consumers: Regulated by the Texas Department of Licensing and Regulation, PO Box 12157, Austin, Texas 78711; telephone 1-800-803-9202 or (512) 463-6599; website: www.license.state.tx.us/compliants.

Termination and Cancellation. You may terminate this agreement and your membership at any time by logging in to www.findbestbenefits.com and submitting a cancellation request on the Contact Us page, by calling us at the toll free number on your membership card, or you may notify us in writing at Member Services, 8770 W. Bryn Mawr, Suite 1000, Chicago, IL 60631.Your cancellation will be effective promptly upon the receipt of your cancellation notice and you will no longer be billed for your membership. You have the right to cancel this agreement within 30 days of the effective date for a full refund of fees paid.

Governing Law and Arbitration. This agreement and its interpretation and enforcement shall be governed and controlled by the laws of the State of Illinois. Any dispute arising from or related to this agreement shall be resolved by binding, non-appealable private arbitration conducted in accordance with the Rules of American Arbitration Association in Chicago, Illinois, unless required by a member�s individual state laws to resolve in a different location. This provision shall survive the termination of this agreement and its interpretation shall be subject to the Federal Arbitration Act.

Governing Law and Arbitration for Florida Residents. This agreement and its interpretation and enforcement shall be governed and controlled by the laws of the State of Florida. Any dispute arising from or related to this agreement may be resolved by a voluntary binding arbitration conducted in accordance with the Rules of the American Arbitration Association in the local court of jurisdiction. This provision shall survive the termination of this agreement and its interpretation shall be subject to the Federal Arbitration Act.

Governing Law and Arbitration for Montana Residents. This agreement and its interpretation and enforcement shall be governed and controlled by the laws of the State of Montana. Any dispute arising from or related to this agreement shall be resolved by a voluntary private arbitration conducted in accordance with the Rules of the American Arbitration Association in the State of Montana. This provision shall survive the termination of this agreement and its interpretation shall be subject to the Federal Arbitration Act.

South Dakota Residents. If you cancel the program you are not obligated to make any further payments under the program, nor are you entitled to any benefits under the program for any period of time after the last month for which payment has been made.

Disclosure: This plan is NOT insurance. This is not a Medicare prescription drug plan. Discounts on hospital services are not available in Maryland. The plan provides discounts at certain health care providers of medical services. The plan does not make payments directly to the providers of medical services. The plan member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount medical plan organization. The range of discounts will vary depending on the provider type and services provided. This plan is administered by Coverdell & Company, Inc., a discount medical plan organization, at 8770 W. Bryn Mawr, Suite 1000, Chicago, IL 60631, 1-800-308-0374. You have the right to cancel this plan within 30 days of the effective date for a full refund of fees paid.

This is NOT insurance.