My Benefits Guardian is not insurance, not an insurance policy and we are not affiliated or serviced by any insurance carrier. Some information presented on our website could be used for illustrative purposes only. No savings are guaranteed. The use of any advocacy service offered will vary from case to case, and the results will also vary from case to case. Our services could yield more favorable, less favorable or the same outcomes than as described herein. Regardless of the services provided and outcomes, individuals are always personally responsible for their own medical bills, any tax benefits resulting from the services, and any necessary reporting to an employer/carrier/provider.
We do receive compensation from some of our partners whose offers may appear on the MBG suite of websites. We do not review all available products or offers that our partners carry. Our compensation from our partners could impact the order in which our product offers appear. Our editorial team’s content is not provided or commissioned by any advertiser or partner. The opinions, reviews or recommendations expressed in any article are solely those of the MBG editorial team. We do in depth analysis with data and study consumer savings trends from a variety of trusted sources. Trademarks utilized on our website belong to their respective owners.
*The reviews showcased on our website may encompass submissions from our program partners, highlighting their specific products.
Membership Disclosure
CareClix is comprised of independent physician practices and offers medical and mental health therapy services via telehealth to patients nationwide. Telehealth services may vary by state. Telehealth services are provided in accordance with state law by licensed health care professionals, subject to the licensed professionals’ judgment. When medically necessary, providers may prescribe medication that can be picked up at a local pharmacy of the patient’s choice; CareClix does not guarantee that a prescription will be written. CareClix providers do not prescribe controlled substances. CareClix is not a pharmacy or an insurance product. Virtual Urgent Care visits are not a replacement for a primary care physician.
*When medically necessary, and in accordance with state and federal law, CareClix providers (except therapists) may prescribe medication that can be purchased at a local pharmacy of the patient’s choice. Prescriptions are subject to the provider’s discretion and CareClix does not guarantee that a prescription will be written. CareClix providers do not prescribe controlled substances.
MA consumers: The plan is NOT insurance coverage and does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00.
Not available for sale in Alaska, Rhode Island, Utah, Vermont and Washington.
The discount medical, health and drug benefits (The Plan) are NOT insurance, a health insurance policy, a Medicare Prescription Drug Plan or a qualified health plan under the Affordable Care Act. The Plan provides discounts for certain medical services, pharmaceutical supplies, prescription drugs or medical equipment and supplies offered by providers who have agreed to participate in the Plan.
The range of discounts for medical, pharmacy or ancillary services offered under The Plan will vary depending on the type of provider and products or services received. The Plan does not make and is prohibited from making members payments to providers for products or services received under The Plan.
The plan member is required and obligated to pay for all discounted prescription drugs, medical and pharmaceutical supplies, services and equipment received under The Plan, but will receive a discount on certain identified medical, pharmaceutical supplies, prescription drugs, medical equipment and supplies from providers in The Plan.
The Discount Medical Plan/Discount Plan Organization is Alliance HealthCard of Florida, Inc., 5005 LBJ Freeway, Suite 1500, Dallas, TX 75244. Call 800-699-9472 or email info-abs@member-questions.com for more information or use our online directory for a list of providers. The Plan will make available before purchase and upon request, a list of program providers and the providers city, state and specialty, located in the member's service area. The Plan does not offer a discount on hospital services in Maryland. The fees for The Plan are specified in the membership agreement. You may cancel The Plan at anytime. The Plan includes a 30 day cancellation provision.
Note to MA consumers: The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00.Aetna Dental: This is NOT insurance.
*Actual costs and savings may vary by provider, service and geographic location.**According to the Aetna Enterprise Provider Database as of September 2017. Not available for sale in Alaska, Rhode Island, Utah, Vermont and Washington.
Eye Med Limitations / Exclusions
Orthoptic or vision training, subnormal vision aids and any associated supplemental testing. Medical and/or surgical treatment of the eye, eyes or supporting structures. Corrective eyewear required by an employer as a condition of employment and safety eyewear unless specifically covered under plan. Services provided as a result of any Worker’s Compensation law.
Discount is not available on those frames where the manufacturer prohibits a discount.
Not all discounts available at all providers.
For Lasik providers, call 1-877-5LASER6 or visit eyemedlasik.com and request the discount authorization, please call l-877-5LASER6. *Items purchased separately will be discounted 20% off the retail price.
*LASIK or PRK vision correction is an elective procedure, performed by specially trained providers, this discount may not always be available from a provider in your immediate location.
Connect Hearing: Not available in IL
Plan covers you and your immediate family. Immediate family is defined as a spouse or domestic partner, children up to the age of 26 and any other IRS dependents.*3 years FREE batteries with hearing aid purchase.*The 3 year warranty is valid starting from the date of invoice. This limited warranty covers manufacturing and material defects in the hearing aid itself, but not accessories such as batteries, tubes, ear modules, external receivers. The warranty includes 3 year loss and damage coverage that can be redeemed ONE TIME and requires a deductible of $450.*Certain types of hearing loss may require a hearing aid model that is not appropriate for the Two Week Free Trial. See clinic for details. Lyric excluded.
Cancellation Policy
At MBG, we prioritize transparency and fairness in all our dealings, including our cancellation policy. We understand that circumstances may change, and members may need to cancel their enrollment in our healthcare member program.
Below, we outline our cancellation policy to provide clarity and ensure a smooth process for all parties involved:
Cancellation Period:
Members have up to 72 hours from the time of enrollment to cancel their membership for a full refund.
Refund Amount:
Upon cancellation within the specified 72-hour window, members will receive a full refund of their membership fees.
Cancellation Procedure:
To initiate a cancellation request, members must contact our customer support team within the 72-hour period. You can reach us via phone at 1-866-816-6786 during our operating hours of 8:00AM-7:00PM EST, Monday through Friday, or via email at support@enrollfirst.com. (Please note that email cancellations must originate from the same email address used for MBG membership registration.)
Refund Processing Time:
Refunds for eligible cancellations will be processed within 2 business days. Credit card refunds typically appear within 1-2 business days, while bank draft refunds may take 7-10 business days. Please be aware that the actual time for the refund to reflect in your account may vary depending on your financial institution's policies.
Exceptions:
After the 72-hour cancellation period has lapsed, refunds will not be issued for membership cancellations. However, members retain the option to terminate their membership at any time. Please note that no refunds will be provided beyond the initial 72-hour window, except for requested cancellations made between the 15th and 25th for the following month’s membership.
Policy Updates:
This cancellation policy is subject to change at the discretion of MBG. Any updates or modifications to the policy will be promptly communicated to members via email and/or notification on our website.
By enrolling in our healthcare member program, you agree to adhere to the terms and conditions outlined in this cancellation policy. Should you have any questions or concerns regarding the cancellation process, please do not hesitate to reach out to us. here.
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