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THIS IS NOT AN INSURANCE PRODUCT

THE PLAN PROVIDES DISCOUNTS AT CERTAIN HEALTH CARE PROVIDERS FOR MEDICAL SERVICES.

THE PLAN DOES NOT MAKE PAYMENTS DIRECTLY TO THE PROVIDERS OF 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.