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THIS IS NOT INSURANCE, NOR IS IT INTENDED TO REPLACE INSURANCE

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AVAILABLE TO TEXAS RESIDENTS ONLY.   THIS IS NOT INSURANCE. MEMBER SHALL RECEIVE A FULL REFUND OF MEMBERSHIP FEES, EXCLUDING REGISTRATION FEE, IF MEMBERSHIP IS CANCELLED WITHIN THE FIRST 30 DAYS AFTER RECEIPT OF MEMBERSHIP MATERIALS.  THIS PLAN PROVIDES DISCOUNTS AT CERTAIN HEALTH CARE PROVIDERS FOR 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 PLAN ORGANIZATION.