Terms and Conditions

This program is not health insurance. It is a discount access health plan. Leading Edge Benefits does not authorize third party claims or payments for services. Use and acceptance of the "Program" is subject to all published Terms and Conditions contained herein, on website, in the program materials, included in fulfillment material and as published from time to time. The Terms and Conditions may change without notice. Leading Edge Benefits is offering this Program under a use license and Leading Edge Benefits are hearafter referred to as "the private-label Marketer".

1. The private-label Marketer is never responsible for payment of any charges incurred by a Cardholder to a Participating Provider because this Program is not health insurance; it is a discount access health plan.

2. Cardholders who access any of the components of the Program are responsible for paying the Provider at the time services are rendered. Cardholders are not deemed "Active" or "paid-in-full" until such time that the monthly access fee due has been paid with good funds. There is a thirty (30) day refund policy for the Cardholder's initial thirty (30) days in the Program. For any reason during the initial thirty (30) days, the Cardholder can request a refund of monthly access fess and promptly receive it. After the initial thirty (30) days have passed, the Cardholder is not eligible for a refund of any access fees paid. This is a month-to-month Agreement and may be cancelled by either party at the end of the current month.

3. The private-label Marketer is not responsible for any medical advice given by or services rendered by any "Participating Providers". The Cardholder uses this Program at his/her own discretion.

4. The private-label Marketer does not refer Cardholders to doctors; recommend or endorse any medical treatments or provide any medical advice. The private label Marketer does not credential any Provider. The private-label Marketer contracts with "Provider Networks" for access to most Participating Providers. If a Participating Provider is part of a "Provider Network" that credentials its Providers, the private-label Marketer has relied upon that credentialing process. IN CASE OF A MEDICAL EMMERGENCY CALL 911 OR GO TO AN EMERGENCY ROOM AT A LOCAL HOSPITAL.

5. The private-label Marketer does not store or maintain any medical records or medical information about Cardholders. If any medical bills or information is sent to the private-label Marketers, it is sent, as is, to the proper party if that party's identity is known to the private-label Marketer. If it is not sent out, the material is destroyed.

6. Participation in the Program entitles the Cardholder to access all "Participating Providers" or "Providers". Providers can drop out of the networks at will. It is the Cardholder's responsibility to make sure before services are rendered or goods are purchased that the Provider is currently an active participant of a Program affiliated network and accepting discount access cardholders.

7. The private-label marketer does offering this Program is not licensed to provide medical services or products to individuals. Providers contracted by each network associated with the program are solely responsible for the professional advice and treatment rendered to Cardholders and the private-label Marketer disclaims any liability with respect to such matters.

8. The Cardholder acknowledges that the insured benefits (Accident Death and Dismemberment coverage, Accident Disability Protection and Medical Accident Plan) do not take effect until the second month of "paid in" participation.

9. This Program may not be used in conjunction with any other discount plan or Program. All listed or quoted prices from Participating Providers are subject to change without notice. Participating Providers are subject to change without notice.

10. Companies or Provider Networks providing access to benefits and discounts in the Program are not licensed insurers, health maintenance organizations, or underwriters of health care services. No portion of any Provider's fees will be paid for by this Program or the private-label Marketer or the contracted parties referenced herein unless said payment is part of a benefit whereby an obligation for payment is detailed in the program materials.

11. 11. Monthly Access Fees (MAF) are due from Cardholders every thirty (30) days. Any MAF that is not paid by the fifth (5th) day after the due date provides the private-label Marketer with the right to terminate that Cardholder's participation in the Program. In order to reinstate a terminated Cardholder, a payment for the current month and the subsequent month's access fees must be made. The private-label Marketer has the right to terminate a Cardholder's participation in the Program without notice and will refund that month's access fee. Should a Cardholder be terminated by the private-label Marketer for cause, the private-label Marketer maintains the right to keep that month's access fee.

12. The private-label Marketer has the right to increase the monthly access fee. The private-label Marketer must provide all Cardholders sixty (60) days notice prior to an access fee increase. The private-label Marketer will use a website posting for purposes of a sixty (60) day prior notice of access fee increase to Cardholders.

13. The private-label Marketer reserves the right to amend, change, or modify these Terms and Conditions without notice (except for the notice provision as it applies in (13) to access fee increases) and reserve the right to suspend any element of the Program or the Program in its entirety. These rights can be exercised at any time at the sole discretion of the private-label Marketer.

14. All Program materials and websites are the copyrighted property of Leading Edge Benefits. None of the published content or data may be reproduced, republished, distributed, sold, transferred, or modified without the express written permission of the private-label Marketer. In addition, the trademarks, logos and service marks displayed on cards and Program materials (collectively, the "Trademarks") are registered and common law Trademarks of Leading Edge Benefits, its affiliates, and various third parties.

15. Discounts on professional services are not available where prohibited by law. This Program is an "access ad discount" plan and makes no warranties express or implied concerning services or care provided. Discounts are based upon the Provider's usual and customary fees. Actual discounts will vary depending upon location and specific services or products purchased.

16. These Terms and Conditions constitute the entire Agreement between all parties and supersedes any prior understandings or Agreements (whether oral or written) regarding the subject matter, and may not be amended or modified except in writing or by making such amendments or modifications available on the Leading Edge Benefits' website or in written material.