1. Qualified Health is not an insurance plan or program. No payments to medical providers or members will be made by Qualified Health.

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2. Qualified Health provides savings to its members on healthcare services through a number of medical networks. In order to access these networks and the related discounts, member or member's dependents must promptly pay the medical providers or make payment arrangements to pay the provider for all services received. Medical bills are payable in a timely manner. Payments on all non-PHCS bills are due and payable at the time of service.

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3. The program is not to be used for cosmetic surgery. -

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4. As a service to members, Qualified Health may provide network rate information to medical providers under this program. If the information provided results in an underpayment to a medical provider, the member will be notified to pay the medical provider for any shortages within ten (10) days of notice of the inappropriate reimbursement. If the information provided results in an overpayment to a medical provider, Qualified Health will assist member to the best of its ability to collect any such amount from the appropriate party.

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5. Neither Qualified Health, nor any of its affiliates, nor any network accessed shall be liable for any payment to a provider accessed under the Qualified Health program. Qualified Health, its affiliates or any network accessed is not an insurer, guarantor or underwriter of the responsibility or liability of Member for Member's or Member's dependent's medical care or any other goods or services provided to Member or Member's dependents.

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6. A limited directory of participating providers is provided to member. The providers listed in this directory are subject to change without notice. Member should call Qualified Health's customer service line for current provider information.

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7. Participating Medical Providers are independent contractors and Qualified Health, its affiliates and its contracted networks are not responsible for health care provided or the omission of the provision of health care by any provider. Qualified Health does not practice medicine or in any manner interfere with or participate in the provider-patient relationship. All health care decisions are between the patient and a provider. The selection of a provider is the obligation and decision of the patient and is not based upon the credentialing or any recommendation by Qualified Health, its affiliates or its contracted networks.

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8. Payments for the Qualified Health program are due in advance. Payments will be debited from your account on or about the anniversary of your effective date. If you choose to cancel your program, it is your responsibility to make sure that your membership cards are returned to Qualified Health at least five days prior to the anniversary of your effective date in order for your account not to be charged for an additional month. Verbal notice does not constitute termination.

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9. Qualified Health reserves the right to terminate any membership or deny eligibility in the program for lack of payment to Qualified Health. Returned checks, insufficient fund notices on bank drafts or denial by the member's credit card company for payment of the periodic program fee is deemed evidence of non-payment by a member. There will be a ten dollar ($10.00) charge to be reinstated in the program after such denial. If reinstatement for non-payment happens more than once, a $20.00 reinstatement fee will apply.

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10. Qualified Health reserves the right to terminate any member for failure to pay a medical provider accessed under the Qualified Health program under the terms provided.

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11. Members may cancel their Qualified Health program at any time upon written notice to the company and return of the ID cards. Program fees on memberships cancelled within the first 30 days of application date shall be eligible for refund if the Qualified Health ID card is returned to the company. The $30.00 application fee is non-refundable.

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12. Mode of payment is submitted by members Monthly, Semi-Annually or Annually by Credit Card or Automatic Bank Draft. To change the mode of payment, members must call the toll free customer service line, 1-866-907-3300.

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13. Members may add dependents to the Qualified Health program by calling customer service at 1-866-907-3300. Dependents include: spouse, children up to the age of 25, parents in household over the age of 60 or any other IRS dependents only as indicated in the Discount Medical Plan Application.

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14. Member may call the customer service line for assistance, complaints or any questions pertaining to the program at 1-866-907-3300. Complaints about the program should be directed to the customer service line. Complaints will be logged and if they are not resolved through customer service, member may send a letter to the address shown above, to the attention "Complaint Resolutions".

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