Renewal Conditions: By joining a plan, you are authorizing Benefits America to bill your credit card or checking
account for the plan you have selected. This charge shall remain in force until you notify Benefits America of
request to cancel. By joining, you indicate you have read the terms and conditions of the plan. This plan will
automatically renew on an annual basis, and your credit card or bank account will be automatically charged or drafted
for the appropriate amount.
Termination Conditions: Benefits America and Careington reserves the right to terminate plan members from
its plan for any reason, including non-payment.
Cancellation Conditions: You have the right to cancel within 30 days of the receipt of membership materials
to use the plan risk free. FL Residents: You have the right to cancel within the first 30 days after effective date.
If for any reason during this time period you are dissatisfied with the plan and wish to cancel and obtain a refund,
you must submit a written cancellation request. Benefits America will accept and cancel plan memberships at
any time during the membership period and will cease collecting membership fees in a reasonable amount of
time, but no later than 30 days after receiving a cancellation notice. Please send a cancellation letter and a
request for refund with your name and member number to Benefits America, PO BOX 7093,
Dallas, TX 75209 or fax to: 214-363-7129. You may also submit cancellation by email:
CustomerService@benefits-america.com. If Benefits America is billing you quarterly, semi-annually or
annually, Benefits America will, in the event of cancellation of the membership by either party, make a pro-rata
reimbursement of the periodic charges to the member.
Limitations, Exclusions & Exceptions: 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 has
the right to eliminate a Participating Professional from the respective network in which they are associated and
may substitute Provider networks at its sole discretion. Benefits America cannot guarantee the continued
participation of any provider. If he or she 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 Benefits America disclaims any liability with respect to such matters. Services and service
providers may change or be discontinued at anytime with notice as required by law.
Complaint Procedure: If you would like to file a complaint or grievance regarding your plan membership, you
must submit your grievance in writing to: Benefits America, PO BOX 7093, Dallas, TX 75209.
All complaints or grievances are documented in the monthly Quality Assurance log along with the date and
content of the complaint or grievance. Members have the right to request an appeal of the complaint and
grievance resolution. Appeals will be sent to the Committee and will be entitled to a second review with different
individuals. After completing the complaint resolution process and you remain dissatisfied, you may contact
your state insurance department. TX Residents: All complaints will be completed within 72 hours of receipt
with the exception of billing inquiries that require further research or documentation.