Terms and Conditions of Membership

Providence 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 enrollment fee for each renewal membership term effective upon renewal of your membership. 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. Life and Health Guaranty Association. This contract is not an insurance policy and is not protected by any Life and Health Guaranty Association. General Complaint Procedure. Complaints of any nature may be filed with Coverdell & Company, Inc. or Discount Development Services, LLC., a wholly owned subsidiary, the discount medical plan organization at 8420 W. Bryn Mawr, Suite 700, Chicago, IL 60631. Ohio and South Dakota Residents: Should you remain dissatisfied with the results from your complaint with the discount medical plan organization, you may contact the Division of Insurance or the insurance department in your state. Texas Residents: You may contact the Texas Department of Licensing and Regulation at 800-803-9202 to file complaints. Termination and Cancellation. You may terminate this agreement and your membership at any time by calling us at the toll free number on your membership card or you may notify us in writing at Member Services, 8420 W. Bryn Mawr, Suite 700, 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 acc-ordance 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.

Through its agent, D.D.S. L.L.C., the Providence Plan has negotiated discounts with providers to acquire the best possible pricing for its members. Providence Plan savings are based on participating providers fees, or on national or regional fees for the particular service or product. Your actual savings will vary depending on your location and the specific products or services purchased. Providence Plan providers are subject to change without notice. Plan benefits may vary in some states. Providence Plan discounts cannot be used in conjunction with any other discount programs. All listed or quoted prices or fees are current prices at the date of publication and are subject to change without notice. From time to time, certain providers may offer certain products or services to the general public at a price lower than the Providence Plan negotiated price. In this event, members will always receive the lower price.

The Providence Plan is not insurance. No portion of any provider's fee will be reimbursed or otherwise paid by Providence Plan.

The Providence Plan is offered by Accela Marketing Group, L.L.C. as a service for its customers and friends. Selection of a qualified health care professional is a personal decision and should be considered carefully by evaluating references and other indicators of quality care. Services and products provided by individual providers are not warranted by Accela Marketing Group, L.L.C., or D.D.S. L.L.C.

30-day money-back guarantee and cancellation policy
You will receive a full refund should you choose to cancel within the first 30 days of activation for any reason. Should you choose to cancel your membership due to modification of the program, the liability of Providence Plan will be limited to a refund of any membership fee paid for the period subsequent to the modification. Providence Plan may be discontinued or modified at any time.


Questions? Call (800) 308-0374

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