TERMS & CONDITIONS
Description of Services: Please see the enclosed materials for a specific description of the programs that you have purchased.
Limitations, Exclusions & Exceptions: This program is a discount membership program offered by Careington. Careington is not
a licensed insurer, health maintenance organization, or other underwriter of health care services. No portion of any provider’s fees will
be reimbursed or otherwise paid by Careington. Careington is not licensed to provide and does not provide services or items to individuals.
You will receive discounts for services at certain health care providers who have contracted with the plan. You are obligated to pay for
all health care services at the time of your appointment. Savings are based upon the provider’s normal fees. Actual savings will vary depending
upon location and specific services or products purchased. Please verify such services with each individual provider. The discounts contained
herein may not be used in conjunction with any other discount plan or program. All listed or quoted prices are current prices by participating
providers and subject to change without notice. Any procedures performed by a non-participating provider are not discounted. From time to time,
certain providers may offer products or services to the general public at prices lower than the discounted prices available through this program.
In such event, members will be charged the lowest price. Discounts on professional services are not available where prohibited by law. This plan
does not discount all procedures. Providers are subject to change without notice and services may vary in some states. It is the member’s
responsibility to verify that the provider is a participant in the plan. At any time Careington may substitute a provider network at its sole
discretion. Careington cannot guarantee the continued participation of any provider. If the provider leaves the plan, you will need to select
another provider. Providers contracted by Careington are solely responsible for the professional advice and treatment rendered to members and
Careington disclaims any liability with respect to such matters.
Complaint Procedure: If you would like to file a complaint or grievance regarding your plan membership, you must submit your
grievance in writing to: Careington International Corporation, P.O. Box 2568, Frisco, TX 75034. You have the right to request an appeal if
you are dissatisfied with the complaint resolution. After completing the complaint resolution process, if you remain dissatisfied you may
contact your state insurance department.