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Accident, Sickness &
Hospital Plans
Limited medical plans offer guaranteed acceptance for those that do not have adequate health insurance. Fixed indemnity benefits pay a total cost per covered service; no deductibles or co-pays.
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Platinum Health Essential
Underwritten by United States Fire Insurance Company


Consider Platinum Health Essential if you:
  • Do not have adequate health insurance
  • Have health insurance with high deductibles or out-of-pocket expenses
  • Want to supplement the coverage you may have


Membership in MSGA offers these outstanding features:

Insurance Benefits
logo usfireins
  • Guaranteed Issue for members & their spouse's ages 18 through 64, and dependent children through age 26
  • U.S. Citizenship not required, only U.S. residency for 12 consecutive months
  • In-Hospital Daily Indemnity - Choice of $500, $750, $1,000 or $1,500 per day
  • Surgery, Anesthesia, Lab, X-Ray, Wellness, Emergency Room and Ambulance benefits
  • Injury or sickness Doctor Office Visits benefit - Choice of $65 or $75 per visit, up to 5 visits per insured, per policy year
  • Doctors Office Wellness Visit benefit - Choice of $65 or $75 for one visit per insured, per policy year
  • Freedom to choose any doctor or hospital
  • $2,000 Accidental Injury Medical Benefit
  • $10,000 Accidental Death and Dismemberment

Non-insurance Benefits
  • Access to MultiPlan PPO Network Savings*
  • MedCare USA Prescription Discount Card
  • Vision Discounts

Your total membership cost consists of association information and awareness benefits, consumer savings and service programs, insurance coverage's, marketing and administration costs.

The United States Fire Insurance Company Hospital Indemnity Policy is not available in : AK, CT, GA, KS, MD, ME, MA, MI, MT, NH, NJ, NY, NC, ND, OR, RI, VT or WA.

Limited Medical Indemnity Benefits Provided By:
United States Fire Insurance Company , Rated "A" by A.M. Best

*MultiPlan PPO Network is provided through Med Sense Guaranteed Association and not provided by or affiliated with United States Fire Insurance Company. Individuals considering membership in the Med-Sense Guaranteed Association for plans that include the Limited Medical Indemnity/Hospital Indemnity benefits should check with their state Pre-existing Condition Insurance Plan before enrolling to determine the potential impact of this membership on their eligibility.

Legal Disclaimer: THIS IS NOT BASIC HEALTH INSURANCE OR MAJOR MEDICAL COVERAGE AND IS NOT DESIGNED AS A SUBSTITUTE FOR BASIC HEALTH INSURANCE OR MAJOR MEDICAL COVERAGE. Coverage is not provided for members age 65 or over, coverage will terminate at the end of the monthly billing cycle prior to turning age 65. Members can be enrolled only once. Duplicate or multiple memberships, including Limited Medical Indemnity Insurance underwritten by United States Fire Insurance Company, is not allowed. Changes to coverage underwritten by United States Fire Insurance Company can only be made if the change is the result of a qualifying life event. A qualifying life event means marriage, divorce, the death of your spouse, or the birth or adoption of a child. If coverage is cancelled, persons may not re-enroll in coverage with United States Fire Insurance Company until six-months after their termination date. This web site is a brief description of the Med Sense Guaranteed Association discount and lifestyle benefits for members offered by Platinum Health Essential. The exact provisions are contained in the Fulfillment Materials that will be issued to the Med Sense Guaranteed Association members upon enrollment.These are association discounts and lifestyle benefits.

For Billing and Benefit questions please call 1-877-376-5831
For Claims questions please contact Co-ordinated Benefit Plans(CBP) by email at Claims@cbpinsure.com or by call toll free at 1-877-755-4835.
Benefit Details

The United States Fire Insurance Company Hospital Indemnity Policy is not available in : AK, CT, GA, KS, MD, ME, MA, MI, MT, NH, NJ, NY, NC, ND, OR, RI, VT or WA.
Health Essential - Standard Benefits - Click Here

Benefits Per Covered Person BASIC500 Platinum PLUS750 Platinum CHOICE1000 Platinum MAX1500 Platinum
Waiting Periods
Accidental Injuries
Sickness
 
None
30 Days
 
None
30 Days
 
None
30 Days
 
None
30 Days
Pre-existing Conditions Provision
Applies to the In-Hospital Daily Benefit, Surgery and Anesthesia benefits only. Conditions existing up to 12 months prior to effective date of coverage are not covered for 12 months following effective date of coverage.
 
12/12
 
12/12
 
12/12
 
12/12
Inpatient Hospital Indemnity
Maximum Amount Per Day
Maximum Days Per Policy Year
 
$500
31
 
$750
31
 
$1,000
31
 
$1,500
31
Surgery
Inpatient Hospital
Outpatient Facility
Maximum allowable Surgeries Per Policy Year
 
$1,000
$1,000
1
 
$1,500
$750
1
 
$3,000
$1,500
1
 
$5,000**
$5,000
1
Anesthesia
Inpatient Hospital


Outpatient Facility
Maximum allowable Surgeries Per Policy Year
 
NA


NA
NA
 
$225


$150
1
 
$450


$200
1
 
$1,250**
(15% of Surgery Max.)
$1,250
1
Doctor Office Visits (Injury or Sickness)
We Pay Per Visit
Maximum Visits Per Policy Year
 
$65
5
 
$65
5
 
$65
5
 
$75
5
Doctor Office Visit (Wellness)
We Pay Per Visit
Maximum Visits Per Policy Year
 
NA
NA
 
$65
1
 
$65
1
 
$75
1
Diagnostics X-rays, Labs
Maximum Per Visit
Maximum Visits Per Policy Year
 
NA
NA
 
$50
5
 
$50
5
 
$75
5
Emergency Room Visits
Maximum Per Visit
Maximum Visits Per Policy Year
 
$50
1
 
$50
1
 
$50
1
 
$50
1
Ambulance
Maximum Per Visit
Maximum Visits Per Policy Year
 
$50
1
 
$50
1
 
$50
1
 
$50
1
Accidental Injury
Maximum Benefit Amount Per Injury
Maximum Number of Injuries Per Year
Deductible per Accident
Medical treatment and supplies per injury.
 
$2,000
2
$100
 
$2,000
2
$100
 
$2,000
2
$100
 
$2,000
2
$100
Accidental Death and Dismemberment
Principal Amount
Covered Spouse
Covered Dependent.
 
$10,000
$5,000
$2,500
 
$10,000
$5,000
$2,500
 
$10,000
$5,000
$2,500
 
$10,000
$5,000
$2,500
**Surgical Schedule: The surgical benefit for MAX1500 option is based on the CPT code and corresponding surgery. The surgery benefit schedule ranges from $500 for a fractured finger (CPT code 26720) to $5,000 for repair arterial blockage (CPT code 35472). There are over 5,000 procedures listed (Click here for Sample Surgery Schedule).
These services and discounts are also included with Health Essential membership.
MultiPlan PPO Network Providers:
Platinum Health Essential also provides access to one of the nation´s largest Preferred Provider Organizations. Members under this plan may choose to be treated within or outside the Multiplan Network. By using a network provider, members receive significant discounts on their medical care costs. More information about the Multiplan Network can be found at www.MultiPlan.com Network is not affiliated with or provided by United Fire Insurance Company.
Outlook Vision Discounts:
  • OUTLOOK Vision offers significant savings for the entire family on eyeglasses,contact lenses,LASIK surgery and eye exams at select location where approved..
  • OUTLOOK Vision providers are conveniently located throughout all 50 states. Most leading retail optical centers are included in the OUTLOOK Vision network and offer discounts from 10% to 50%.
  • Discounts are given at the point of purchase, no limits, no restrictions and no paper work.
  • Your approved membership I. D. card with the OUTLOOK Vision logo is all you need to start saving on all your eyewear needs.
  • Complete Satisfaction on all eyewear purchases!
MedCare USA Prescription Discount Card: *
With the rising cost of medication, the MedCare USA prescription discount card program can help you save on your prescription drug medications. The MedCare USA® card prescription discount card is NOT insurance, which makes it easy to use! You will pay 100% of the discounted price at participating pharmacies. Because it is a discount program, there are:

NO claim forms NO reimbursement procedures
NO pre-existing condition exclusions NO waiting periods
NO deductibles NO benefit maximums
Save an average of 15% off retail price on many brand name prescription drugs
Save an average of 54% off retail price on many generic prescription drugs


This card is accepted at over 53,000 pharmacies throughout the United States, including most national chains and independent pharmacies. Simply present your membership card to a participating pharmacy and you'll qualify for savings when you pay at the time of service.
Please click here to access information on available drugs and pharmacies
Thirty Day Free Look Period:
If for any reason you are not satisfied with your purchase, you may return the Certificate of Coverage to us within 30-days after you receive it. Upon receipt, we will refund any premium paid and the Certificate will be deemed void, just as though it had never been issued.
IMPORTANT NOTICE: This is a brief description of the Platinum Health Essential benefits for members of the Med Sense Guaranteed Association. The exact benefit and policy provisions are contained in the Master Policy issued to the Med Sense Guaranteed Association. The master Policy shall control in the event of any conflict between the Policy and this benefit discription. HE20080201 (Rev.1/09)

Limited Medical Indemnity Benefits Provided By:
United States Fire Insurance Company , Rated "A" by A.M. Best

Disclaimer: THIS IS NOT BASIC HEALTH INSURANCE OR MAJOR MEDICAL COVERAGE AND IS NOT DESIGNED AS A SUBSTITUTE FOR BASIC HEALTH INSURANCE OR MAJOR MEDICAL COVERAGE. Coverage is not provided for members age 65 or over, coverage will terminate at the end of the monthly billing cycle prior to turning age 65. Members can be enrolled only once. Duplicate or multiple memberships, including Limited Medical Indemnity Insurance underwritten by United States Fire Insurance Company, is not allowed. Changes to coverage underwritten by United States Fire Insurance Company can only be made if the change is the result of a qualifying life event. A qualifying life event means marriage, divorce, the death of your spouse, or the birth or adoption of a child. If coverage is cancelled, persons may not re-enroll in coverage with United States Fire Insurance Company until six-months after their termination date. This web site is a brief description of the Med Sense Guaranteed Association discount and lifestyle benefits for members offered by Health Essential. The exact provisions are contained in the Fulfillment Materials that will be issued to the Med Sense Guaranteed Association members upon enrollment. These are association discounts and lifestyle benefits.

For Billing and Benefit questions please call 1-877-376-5831
For Claims questions please contact Co-ordinated Benefit Plans(CBP) by email at Claims@cbpinsure.com or by call toll free at 1-877-755-4835.
About the Association

The Med-Sense Guaranteed Association (MSGA) is a Not-For-Profit corporation. Members of the MSGA enjoy discounts on a variety of health and travel services. There are multiple memberships of the association; the following is a brief overview of the benefits offered though not all benefits are included in every membership of the association.
Once you become a member, you will receive a separate mailing from the association with complete details on how to access your membership benefits.
To access and enroll in the Med-Sense Guaranteed Association please visit: www.medsensemembers.com
What are the Association Membership Features?
ID Resolution Identity Theft Service
ID Resolution, a leader in providing identity management services, offers victims or suspected victims unlimited access to an assigned fraud specialist who will facilitate the resolution of virtually any identity-related problem. All inquiries are handled as care-managed and communications take place over secure and encrypted systems and processes.
The Identity Theft Service package includes:
  • Identity Fraud Resolution
  • Home & Auto Invasion Claims Enhancement
  • Lost or Stolen Document Response
  • Identity Travel Response
  • Medical Identity Theft
  • Surviving Spousal Services
  • Relocating Residence
  • Marriage and Divorce
  • Services for Deployed Military Personnel
  • Infant & Minor Identity Risk Mitigation
  • Social Media Program
LensCrafters Vision Club
Association members and their eligible family members receive special rates on the following:
  • Lenses ground to prescription specifications in about one hour.
  • More than ten times the frame selection of ordinary optical stores.
  • Complete satisfaction guaranteed!
  • Savings at all LensCrafters locations nationwide.
  • 20% discount on all purchases at any LensCrafters.
  • Discount may be used by all family members, with unlimited usage!
Welcome to the privileges of LensCrafters Vision Club.
24 Hour Nurse Helpline Plan
The 24-Hour Nurse Helpline is designed to help members become more informed about their healthcare. The Nurse Helpline is a 24/7 confidential telephone service that allows members to ask questions and receive information about their health, illnesses and medications. There is no cost to use the Helpline.
Members have unlimited access to registered nurses via a toll-free number 24 hours a day, 365 days a year. These nurses are specially trained to offer prompt, confidential medical counseling to help members make informed decisions about their health and the medical care they receive. However, our nurses do not diagnose or provide treatment.
The services include:
  • Confidential availability to registered nurses 24 hours a day
  • Explanations on what to expect during a medical test.
  • Help from a registered nurse who can answer questions regarding:
    • Diagnostic and surgical procedures
    • A recently diagnosed medical condition
    • Prescription and over the counter medication information
Gateway Medicard
In an emergency, getting vital health information to medical personnel quickly could be critical. When association members send in the completed Gateway Medicard Data Form, it is reduced in size and printed on a durable plastic card. It is easy to read with a standard magnifying glass routinely carried by medical professionals. The Gateway Medicard keeps the personal medical profile available so emergency medical personnel can administer appropriate care.
Discount Hearing Service
Association Hearing Services is a nationwide plan that offers its member's premium, name brand hearing aids at huge savings on a no-risk, 100% satisfaction-guaranteed basis. The professional, licensed staff is happy to discuss hearing needs and provide recommendations for the best solution to hearing problems.

If you already have results from a hearing test, you can e-mail, fax, or send the information to the Hearing Service.

The hearing instruments offered through this mail-order plan typically save a member between 50%-60% off the prices of most local audiology clinics or dispensing offices. Association Hearing Services has over 45 years of experience and hundreds of thousands satisfied clients.
Travel Association Plan
Association members receive the following services through the Travel Assistance Program when traveling more than one hundred (100) miles from your permanent residence:
  • Emergency Evacuation /Repatriation
  • Transportation of Mortal Remains
  • Transportation of Escort
  • Family Visitation
  • Minor Children Return/Escort
  • Vehicle Return
  • 24-Hour Information Service
  • Medical Monitoring
  • Medical Referral
  • Guarantee of Medical Expense
  • Insurance Coordination
  • Lost Documentation Service
  • Legal Assistance
  • Emergency Delivery of Prescription Items
  • Emergency Cash Transfer and Advances
This is NOT insurance and NOT available to Connecticut and Florida residents.
Hewlett-Packard Computer and Digital Equipment
Hewlett-Packard, a worldwide leader in computers and other digital hardware, has the right solution for your business or home office. Association members receive discounts on HP notebooks, laptops, desktops, servers, printers, digital cameras, handhelds, point-of-sale (scanners, cash registers, etc.) and more.
Discount levels vary based on product-generally from 3%-10% off. Monthly promotions are available such as free shipping on discounted printing supplies, rebates and other value-added member benefits.
Customized Web Services - NAC Web Services
NAC Web Services provides the advantage of Website development and maintenance.NAC Web Services boasts an experienced staff of programmers and graphic designers ready to work for you. All of the latest programming capabilities including HTML, ASP.NET, Flash, XML, and database connectivity are available to association members. Our designs are crisp, clean, creative and custom-built to your Website specifications. We can also host your Website with our own AxisConnect web hosting service.
With an Internet Website by NAC Web Services, your company can enjoy limitless growth potential which is virtually limitless! Members receive a 20% discount on the following services: Custom Web Design; Evaluation and Re-Design of Current Sites; Website Hosting; Consulting on Viability of Internet Projects; and Internet Marketing.
UPS Express Delivery Services
Association members receive the following discounts:
  • 14%-28% off Next Day Air®/Next Day Air® Saver Letter/Package and Worldwide ExpressSM Export/Worldwide SaverSM Export Letter/Document/Package
  • 10%-21% off UPS 2nd Day Air® A.M. and 2nd Day Air® Letter/Package, 3 Day SelectSM (package) and UPS Worldwide Expedited (document/package)
  • 1%-5% off UPS Standard to Canada
  • 10% off UPS International Import including UPS Worldwide ExpressSM/ SaverSM/ ExpeditedSM/ Standard to Canada
Sprint - Wireless/Cellular and Mobile Broadband (for New Sprint Subscribers only)
New Sprint business subscribers receive a 19% program discount on most rate plans (excludes "Simply Everything") with an average savings of 25% - 35% compared to Sprint competitors!

Other benefits include: Corporate equipment pricing & upgrade eligibility every 12 months (new business accounts only); Blackberry Data Unlimited - only $24.99 (w/voice plan on new business accounts) compared to $39.99; PDA Data Unlimited - $18.00 (with 400 minute & voice plan, new business accounts w/ business plans only) compared to $30; Text Packages (business accounts and plans only) offering 300 Free (or 1000 for $4 and unlimited for $5); Voice Custom Pooled Plans (business accounts) offering 400 Minutes at a 25% discount, net price $30 (or 1,000 min at a 25% discount, net price $45 and 2,000 min. at a 25% discount, net price $75).

Your employees can take advantage of this program too! Mobile Broadband discounts for new Business Accounts only. Get 3G or 3G/4G Speeds - Sprint 3G/4G Data solution plans for connections cards - only $42.99/mo(28% off the typical price of $59.99); Multiple broadband cards available including mobile hot spot devices: Overdrive and Mi-Fi (connect up to 5 computers to one device!); 3G and 4G speeds where available; GPS Navigation enabled; Web browsing capable; Email capable; Memory card slot
Office Depot Office Supplies and Furniture
The Office Depot program qualifies members for discounts off list prices on over 16,000 items. Members report they save an average of 30% when compared to their previous office supplies provider. Buy online from the discounted member website, by phone or fax, or in the retail stores. There is free shipping for members.
You'll also get 40% discounts on in-store high-speed and self-service digital B/W and color copying services (including transparencies, reports/newsletters, brochures/flyers, presentations, and photographs) plus document binding services (finishing and laminating), everything you need for meetings and conferences!
Online offerings include: custom stamps (date stamps, signature style, corporate seals and embossers/notary seals) and custom printing (business cards, letterhead, envelopes, memo pads, announcements, carbonless forms, custom labels).
24 Hour Emergency Roadside Assistance
Association members can gain peace of mind on the road by registering for Emergency Roadside Assistance. Once registered, you will receive emergency roadside assistance membership materials including membership cards that will enable you and your family to get assistance from a participating service provider whenever car troubles arise. You will be covered for the first $50 per occurrence for each covered emergency expense, including towing, flat tire assistance, battery service and lock-out service.
Hop The Shops
Through a special arrangement with eGroupManager, Association members have preferred customer access to HopTheShops.com, a premium on-line shopping mall. HopTheShops.com includes more than 150 stores. Find high quality items at low prices for the best deals in America. Each vendor in the mall has been scrutinized carefully. HopTheShops.com offers the best value on quality items coupled with excellent customer service.
Here is a list of the categories:
  • Sporting Goods
  • Learning Tools & Education
  • Savings & Coupons
  • Travel
  • Health & Beauty Products
  • Music & Entertainment
  • Cards & Gifts
  • Books
  • Art
  • Automobiles
  • Home & Garden
  • Computers & Electronics
  • Toys
  • Fashion
  • Office Equipment & Services
  • Pet Supplies
  • Wine, Liquor & Cigars
  • Food
Whether you are looking for a laptop or a new car, you can comparison shop and actually view the items before buying. All of the vendors offer secure sites, prompt delivery service, and full customer satisfaction guarantees.
Preferred Member Program
By signing up with HopTheShops.com, you will receive access to special features that are for members only. HopTheShops.com will provide you with a "Members Only" newsletter, as well as special offers and discounts from their vendors (beyond the discounts already offered).
Why Prices Are Lower Online?
Internet merchants do not have the costs of maintaining a brick and mortar storefront. They also sell in large volume. This large volume, coupled with the lower overhead, results in savings for you.
Savers Book ® Club
Everyday savings are right at your fingertips! Association members can get a free copy of our popular Savers Club® Book, containing thousands of discount offers. Use it across the country or close to home.
Discounts include:
  • Save at the country's most popular theme parks and recreation destinations.
  • Save at the box office. Get reduced ticket prices at the nation's largest movie theatre chains.
  • Save up to 50% off the rack room rates at more than 4,400 participating hotels, motels, and inns worldwide.
  • Save on retail services like floral, automotive, health and beauty, dining and shopping.
1800Flowers.com
As an association member, you can save 15%* when you order flowers and/or gifts from 1800Flowers.com, one of America´s top providers of floral and specialty gifts.

You will enjoy top-quality customer service with same-day delivery on many items. 1800Flowers.com and its gourmet food brand, 1800baskets.com, offers a wide range of gifts: flowers, plants, plush toys, and balloons, plus gourmet food, gift baskets, cookies, brownies, popcorn, fruit, wine and spa products. Whether for Get Well, New Baby, Just Because or Bereavement, 1800flowers.com has the right gift for the right occasion.

Note: *Prices & Discounts are exclusive of applicable service and shipping charges and taxes. Items may vary and are subject to availability, delivery rules and times. Offers available online and by phone. Offers cannot be combined, are not available on all products and are subject to restrictions, limitations and blackout periods. Prices and charges are subject to change without notice. Void where prohibited. © 2011 1800FLOWERS.COM, INC.
Carperks Buying Network
Many people dislike shopping for automobiles because they dread the anticipated hassle and the possibility of overpaying for a car. This program allows association members to benefit from a National Corporate Pricing Program that solves these issues. Carperks is currently offered as a "free perk" to employees of Coca-Cola, Verizon Wireless, American Airlines, Office Depot and several hundred other companies, and now, to Med-Sense Guaranteed Association members.
The Carperks dealer network has agreed to sell automobiles for a price better than their best Internet price, resulting in a price hundreds of dollars lower than the sales price of the retail sales department.
Car Rental Discounts
Association members take advantage of affordable auto rental rates from Avis®, Budget® and Dollar® Rent A Car.
Using this Service is Easy!
GymAmerica.com
Association members and family receive special pricing at GymAmerica.com*, the all-in-one interactive toolkit for the personalized diet and exercise program made to fit just one person: you. GymAmerica.com features Genesant's state-of-the-art nutritionist and personal trainer software, honored by Forbes magazine with its "Best of the Web" award.
GymAmerica.com features:
  • Personalized meal plans tailored to your needs and goals
  • Interactive program that uses your entered results to keep your diet on track
  • Smart weekly grocery shopping lists
  • Convenient at-a-glance calorie, fat, carb, and protein totals
  • Customized workouts to match your fitness level
  • Access-Anywhere online workout calendar and log
Use the Web's best interactive exercise and diet program to get your body in shape! Members receive the promotional discount price, three months for the price of two.
Vitamin Discount
HealthFitLabs is an online/mail order company that sells only the highest-quality natural vitamins, nutritional supplements, and bath and personal care products. Association members enjoy up to a 15% discount off online prices that are already reduced 5%-35% and up to 30% catalogue prices.
ADP Payroll Processing Service
Give your business the ADP advantage today
  • 25% discount on processing costs*
  • FREE month of payroll processing services
  • Waived one-time setup fee
*Minimum 25% off for NEW customers & up to 25% off for EXISTING customers Example: if the current discount is set at 15% then ADP will increase the discount by 10% bringing the account to a 25% total discount.
Industry-Leading Payroll Processing
ADP helps you focus on what you do best - running your businesses. ADP helps thousands of clients every day by processing payroll, calculating, depositing, and filing payroll tax documents.
Save Time and Money
ADP combines technology and process to reduce the amount of time you spend incorporating your payroll tax data. Submit payroll by:
  • Phone
  • Fax
  • Internet
We'll process your payroll, handle the tax fi ling, and provide net pay via:
  • Full services direct deposit
  • Traditional paychecks
  • Pay Cards
Save more time with ADP's solutions for:
  • Workers compensation
  • Unemployment compensation
  • Human resource services
  • Benefits administration
  • Retirement services
You can rely on ADP®, a company with 60 years of expertise that pays 1 in 6 U.S. employees. Designed to be simple, straightforward and intuitive, ADP's powerful Web-based payroll application for small businesses make it simple to run your payroll anywhere, anytime, and from any Internet connection.
**TotalSource customers are not eligible for the 25% discount.
Constant Contact
Your customers check their inbox all day, every day. You're sure to reach them when you work with Constant Contact. Build relationships, drive revenue, and deliver real results for your business.
Try Constant Contact FREE for the next 60 days!
Your free 60-day trial lets you explore the features and benefits of our Email Marketing or Online Survey tools. There's no software to download. No risk. No obligation. No credit card required.
Exclusive Discounted Pricing:
  • 6 Month Prepay - 20% Discount*
  • 12 Month Prepay - 25% Discount*
Step-by-Step Email Campaign Creation:
  • Design professional-looking emails in minutes with customizable templates and drag-and-drop editing.
  • No list? No problem. We make it easy to grow your email list and manage contacts.
  • Get ready to extend your reach and build your business with powerful social media integration.
  • Track your success with real-time reporting that makes it easy to plan your next move.
About Constant Contact
Our affordable Email Marketing solution practically pays for itself with free coaching plus online and local education from small business experts. Maybe that's why Constant Contact is trusted more than 500,000 customers worldwide.
*Discounts will be applied at the time of purchase. Contact Contact will not allow this much of a discount to display on their public website.
Grainger Discount Program Facility, Maintenance, and Operations Product
Discounts ranging up to 30% off catalog pricing on select products with FREE standard shipping* Grainger offers more than 900,000 products that help keep businesses running smoothly, including lighting, motors, cleaning supplies, material handling, hand & power tools, security & safety, pumps, electrical, and now a complete line of fasteners and fleet/vehicle maintenance products.
  • Minimum 5% Discount on all Grainger catalog items
  • Substantial savings for all members, no matter what your business size or segment
  • Hundreds of items with additional discounts including seasonal items and commonly purchased office and break room supplies
  • Free standard shipping on stocked, catalog items*
* Free standard ground freight; other charges apply for other freight services such as expedited delivery, sourced products, export orders, shipments outside the contiguous U.S., or other special handling by the carrier.
Benefits of Grainger
  • 99% of all orders received by 4pm deliver the following day
  • 24/7 Emergency Service
  • One stop sourcing program for all your MRO Parts and Supplies
  • 420 local branches
  • Dedicated team of Local Brand Managers and Specialists for all your questions and requirements
Grainger also offers additional resources such as energy-savings and sustainability programs, inventory management, a comprehensive safety program and a website that helps make one-stop shopping and ordering fast and easy.
Do you purchase specific items in bulk or high quality? Do you have a most frequently purchased item list?
Get the most out of your Grainger account by consolidating your needs and purchases through Grainger. Provide us with a list of your most common purchases and we'll work with you to further customize our pricing.
Magazine Discounts
You can save up to 85% off regular subscription rates on popular titles through these magazine subscription discount services. In additional to these great discounts, some services offer rebates of up to 35% off the purchase price.
Magazine Discounts are offered by the following companies:
  • At Magazineline you'll find over 500 popular magazines - old favorites such as Newsweek, TV Guide, BusinessWeek, Cosmopolitan and the Wall Street Journal; plus newer, edgier titles like Maxim, Vibe, Marie Claire, Fast Company, Wired, and The Source.
  • Magazines.com, Inc Offers the very best in selection, price, and service by holding direct publisher authorizations for every magazine title we offer.
Moving Services
The Association has a special agreement with Cord North American, an agent for North American Van Lines, that applies to relocation services for all Association members. This agreement provides a substantial discount for our members. Cord North American was selected to provide this relocation service to members because of their ability to offer reduced costs while still providing the highest level of service and customer satisfaction.
Through North American Van Lines, the association has access to the certified Home-To-Home Handling program and a single contact source. This means that throughout your moving process, you will have just one contact person. The Home-To-Home Process includes professional packing, loading, and transportation by North American's top drivers, as well as unloading, and unpacking. Each relocation can be itemized to help with your needs, wants and/or budget. Cord North American is proud to present relocation discounts, features and benefits designed for association members.
Other services that are available: Office Moving, Record Retention, Logistics, Warehousing, Distribution, and International Services. Estimates/Quotes are free of charge.
TravelerBonus.com
TravelerBonus is a travel club tailored for our members to offer both the regular savings you would find using familiar online search engines but with added bonus of a rebate once you've finished your vacation.
Terms and Conditions for Med-Sense Guaranteed Association Membership
  1. This program of services is provided through membership in Med-Sense Guaranteed Association (MSGA). Service providers associated with this program are solely responsible for the professional advice and service rendered to members, and MSGA, disclaims liability with respect to such matters.
  2. At any time, a participating professional may be eliminated from the program. Providers are subject to change without notice and programs may vary in some states. The discounts are NOT insurance and may be discontinued or modified at any time.
  3. Most of the companies providing the services and discounts in this program are not licensed insurers, health maintenance organization, or other underwriters of health care services. (The exceptions are the insurance carriers that provide the Accident Medical, Accidental Death & Dismemberment, Accident Disability Income, Critical Illness, Term Life Insurance, Hospital Indemnity, Limited Medical Benefits, Short-Term Medical, and, if selected, Dental Indemnity benefit and/or Insured Prescription Drug program.) No portion of any provider's fees will be reimbursed or otherwise paid.
  4. The discounts contained herein may not be used in conjunction with any other discount plan or program. All listed or quoted prices or discounts are current at time of printing this material, and are subject to change without notice.
  5. Savings are based on the provider's usual and customary fees. Actual savings will vary depending on location and specific services or products purchased.
  6. Discounts on professional services are not available where prohibited by law. This program does not warrant professional services, nor is it responsible for the quality of service received. This program makes no warranties, express or implied concerning services provided.
  7. The member shall receive a full refund of membership fees, if membership is canceled within the first 30 days . The program is not available in all states.
  8. Membership fees are to be paid when due. If the fees are not received, the member has 31 days from the date due to pay their membership fees; or the membership and any benefits provided will terminate.
  9. This plan is not an insurance policy and is not protected by any state Life and Health Guaranty Association.
  10. The member is responsible and agrees to pay any taxes that may be required by law as a result of membership.
  11. The laws of the State of Missouri shall govern the interpretation, construction and enforcement of this entire plan.
  12. Any dispute arising from, out of, or relating to this plan, including but not limited to those disputes regarding or relating to the plan or, Med-Sense Guaranteed Association, shall be resolved by binding, non-appealable arbitration. These provisions shall survive termination of this plan and the member's membership in the plan.
  13. Any cause of action the member may have with respect to the plan must be commenced within one (1) year after the claim or cause of action arises.
  14. Complaint Procedure: Any complaint regarding the plan or membership should be directed to Member Services at the toll-free number on the ID card or in writing to the address set forth herein.
  15. 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 plan. Discounts on professional services are not available where prohibited by law. 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. No guarantee can be given in regard to the continued participation of any provider. Providers are solely responsible for the professional advices and service rendered to members and liability with respect to such matters is disclaimed.
  16. Each member and on behalf of all covered family dependents who are in the plan hereby forever releases, acquits and discharges the plan, Med-Sense Guaranteed Association, and its employees, officers, directors, agents and affiliates from any and all liabilities, claims demands, actions and causes of action that such member or covered family member may have by reason of any damage or personal injury sustained as a result of or during the course of the use of any service under the plan. The sole course available to a member or the member's covered family dependents is cancellation of the membership.
  17. The member agrees to defend, indemnify, and hold harmless the plan and from any and all liabilities, cost, and expenses, including without limitation attorneys' fees and costs, related to or arising from any unauthorized use of member's plan; any violation of the plan by the member or those who access member's plan; or the use of the plan by the member or by those who access member's plan in a manner contrary to any law or regulation or harmful in any way to the plan or any of its affiliates.
  18. The plan may only be used in the United States of America.
  19. Med-Sense Guaranteed Association has the right to refuse membership to any person for any just or legal cause.
  20. The member consents to receive electronically all notices, communications and other documents of any kind from Med-Sense Guaranteed Association. You have the right to withdraw consent to such electronic transmittals; however, such withdrawal does not retroactively withdraw consent to actions occurring prior to such withdrawal.
Med-Sense Guaranteed Association
2221 South Webster Ave., Suite 109, Green Bay, WI 34301
1-920-347-4400
Disclosures: This website is a brief description of the Med-Sense Guaranteed Association discount and lifestyle benefits. There are multiple memberships of the association and not all benefits and services are available to all membership levels. The exact provisions are contained in the Fulfillment Materials that will be issued to the Med-Sense Guaranteed Association members upon enrollment.

These are not insurance benefits. These are association discount and lifestyle benefits and are not affiliated with any of the insurance companies or Accident Medical, Accidental Death & Dismemberment, Accident Disability Income, Critical Illness, Term Life Insurance, Hospital Indemnity, Limited Medical Benefits, Short-Term Medical, and, if selected, Dental Indemnity benefit and/or Insured Prescription Drug program.
MultiPlan PPO

MultiPlan PPO Network Information:
Persons insured under this plan may choose to be treated within, or out of, the MultiPlan PPO Network. MultiPlan consists of hospitals, physicians, and other health care providers who have contracted to provide specific medical care at negotiated prices.
www.multiplan.com

About MultiPlan PPO Network:

Founded in 1980, MultiPlan is the nation's oldest and largest supplier of independent, network-based cost management solutions. MultiPlan has almost 900,000 healthcare providers under contract, an estimated 57 million consumers accessing the network products, and 110 million claims processed through the networks each year, giving them more of the experience and resources healthcare payers and providers need to face today's unprecedented cost and competitive pressures.

In addition to regional PPO networks in Wisconsin and the southwest, MultiPlan is also the only company that can offer access to the leading independent national primary PPO, as well as their complementary network, and negotiation and medical reimbursement services through a single electronic claim submission. MultiPlan has the know-how and creativity to offer more choices and more value for today's healthcare payers and providers.
Legal Disclaimer:*This web site is a brief description of the Med Sense Guaranteed Association discount and lifestyle benefits for members offer by Health Essential. The exact provisions are contained in the Fulfillment Materials that will be issued to the Med Sense Guaranteed Association members upon enrollment.

*These are not insurance benefits. These are association discount and lifestyle benefits.
*The MultiPlan PPO Network is not affiliated with United States Fire Insurance Company.
For Claims questions please contact Co-ordinated Benefit Plans(CBP) by email at Claims@cbpinsure.com or by call toll free at 1-877-755-4835.
For Web Site, plan availability or benefit questions please call 1-877-376-5831.
Rx-Card & Vision

MedCare USA Prescription Discount Card: *
With the rising cost of medication, the MedCare USA prescription discount card program can help you save on your prescription drug medications. The MedCare USA® card prescription discount card is NOT insurance, which makes it easy to use! You will pay 100% of the discounted price at participating pharmacies. Because it is a discount program, there are:
• NO claim forms • NO reimbursement procedures
• NO pre-existing condition exclusions • NO waiting periods
• NO deductibles • NO benefit maximums
• Save an average of 15% off retail price on many brand name prescription drugs
• Save an average of 54% off retail price on many generic prescription drugs
This card is accepted at over 53,000 pharmacies throughout the United States, including most national chains and independent pharmacies. Simply present your membership card to a participating pharmacy and you'll qualify for savings when you pay at the time of service.

Please click here to access information on available drugs and pharmacies
Outlook Vision Discounts
  • OUTLOOK Vision offers significant savings for the entire family on eyeglasses,contact lenses,LASIK surgery and eye exams at select location where approved..
  • OUTLOOK Vision providers are conveniently located throughout all 50 states. Most leading retail optical centers are included in the OUTLOOK Vision network and offer discounts from 10% to 50%.
  • Discounts are given at the point of purchase, no limits, no restrictions and no paper work.
  • Your approved membership I. D. card with the OUTLOOK Vision logo is all you need to start saving on all your eyewear needs.
  • Complete Satisfaction on all eyewear purchases!
outlook vision logo
Visit www.outlookvision.com for full details.
>Disclaimer: *THIS IS NOT BASIC HEALTH INSURANCE OR MAJOR MEDICAL COVERAGE AND IS NOT DESIGNED AS A SUBSTITUTE FOR BASIC HEALTH INSURANCE OR MAJOR MEDICAL COVERAGE. Coverage is not provided for members age 65 or over, coverage will terminate at the end of the monthly billing cycle prior to turning age 65. Members can be enrolled only once. Duplicate or multiple memberships, including Limited Medical Indemnity Insurance underwritten by United States Fire Insurance Company, is not allowed. Changes to coverage underwritten by United States Fire Insurance Company can only be made if the change is the result of a qualifying life event. A qualifying life event means marriage, divorce, the death of your spouse, or the birth or adoption of a child. If coverage is cancelled, persons may not re-enroll in coverage with United States Fire Insurance Company until six-months after their termination date. This web site is a brief description of the Med Sense Guaranteed Association discount and lifestyle benefits for members offered by Platinum Health Essential. The exact provisions are contained in the Fulfillment Materials that will be issued to the Med Sense Guaranteed Association members upon enrollment. These are association discount and lifestyle benefits.

For Billing and Benefit questions please call 1-877-376-5831
For Claims questions please contact Co-ordinated Benefit Plans(CBP) by email at Claims@cbpinsure.com or by call toll free at 1-877-755-4835.
Extra Care Package


Dental Services:
  • A provider network of over 162,000 dental access points
  • Savings of 20%-50% on most dental procedures, including routine oral exams, unlimited cleanings and major work such as dentures, root canals and crowns
  • Savings of 20% on orthodontics for both children and adults
  • Savings of 20% on normal fees for all specialties – including endodontics, oral surgery, orthodontics, pediatric dentistry, periodontics and prosthodontics – where available
The dental care discounts are provided by Careington International Corporation.
CallMD & Medical Information:
  • CallMD members have 24/7 access to connect with a consulting physician or specialist
  • Medical doctors available for consultation and may write a prescription for a non-narcotic or non-controlled medication at anytime day or night. There are 12 free consultations included with the membership. Thereafter there is a $35 charge per consultation.
  • Family Keys: Personal data organizing software that downloads to the members' computer, allows members to record and store financial, health and other vital personal information without compromising privacy
  • FileMD: A full medical history is recorded by a registered nurse which is stored via FileMD, and creates an Electronic Medical Record which gives members the convenience of releasing medical data, updating information, and storing documents.
  • 100% secure and HIPAA compliant
  • This product is not available in MA
The medical information program is provided by CallMD.
Diabetic Supplies:
  • Durable medical equipment – 20% to 30% off retail price
  • Daily living aids – 20% to 25% off retail price
  • Disposable medical supplies – 20% to 40% off retail price
  • Free blood glucose monitor upgrade
  • Nutritional supplements – 20% to 25% off retail price
The diabetic supplies discounts are provided by Better Living Now.
Lab Services:
  • 10% to 80% savings on blood tests
  • Access to over 3,000 certified labs nationwide
  • This product is not available in Hawaii, Maryland, and Massachusetts. North Dakota, South Dakota, and Vermont offer Specialty Lab testing only.
The lab discounts are provided by Direct Labs.
Imaging:
  • 40% to 75% less than the usual cost for MRI, CT scans and PET scans
  • Access to over 3,200 outpatient radiology facilities
  • This product is not available in HI, MA, MT, ND, SD and WV
The imaging discounts are provided by Galaxy Health Network.
24-hour Nurse Line:
  • Access to nurse triage services via a toll-free number, 24 hours a day, seven days a week
  • Access to a pre-recorded health information library consisting of over 1,100 topics
  • HIPAA compliant
  • This product is not available in MA
The nurse line program is provided by CareNet.
 
Services Provided By:
Careington
If you purchase the Extra Care Package, your effective date will be the first of next month.The monthly administration fee of $3 is included in the monthly cost listed.
 
THE EXTRA CARE PACKAGE IS NOT INSURANCE and is not intended to replace health insurance. . This plan does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00. This plan is not a Qualified Health Plan under the Affordable Care Act. THIS IS NOT A MEDICARE PRESCRIPTION DRUG PLAN.* The plan provides discounts at certain health care providers for medical services. The range of discounts will vary depending on the type of provider and service. The plan does not make payments directly to the providers of medical services. Plan members are obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount medical plan organization. You may access a list of participating health care providers at hiiquotecustomers.com. Upon request the plan will make available a written list of participating health care providers. You have the right to cancel within the first 30 days after receipt of membership materials and receive a full refund, less a nominal processing fee (nominal fee for MD residents is $5). Discount Medical Plan Organization and administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone 800-441-0380.

The plan and its administrators have no liability for providing or guaranteeing service by providers or the quality of service rendered by providers. This plan is not available in Montana and Vermont. This plan is not currently available in Washington.

*Medicare statement applies to MD residents when pharmacy discounts are part of plan.
 
 
Terms & Conditions
 
Renewal Conditions: By joining a plan, you are authorizing Health Insurance Innovations to bill your credit card or checking account for the plan you have selected. This charge shall remain in force until you notify Health Insurance Innovations of request to cancel. By joining, you indicate you have read the terms and conditions of the plan. This plan will automatically renew at the end of your membership term on an annual basis, and your credit card or bank account will be automatically charged or drafted for the appropriate amount.
 
Termination Conditions: Health Insurance Innovations and Careington International Corporation (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 the first 30 days after receipt of membership materials and receive a full refund, less the processing fee, if applicable. FL Residents: You have the right to cancel within 30 days after the 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. Health Insurance Innovations 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 Health Insurance Innovations, 218 E. Bearss Ave, Ste 325, Tampa, FL 33613 or fax to: 877-376-5832. You may also submit cancellation by email: support@hiiquote.com. If Health Insurance Innovations is billing you quarterly, semi-annually or annually, Health Insurance Innovations will, in the event of cancellation of the membership by either party, make a pro-rata reimbursement of the periodic charges to the member.
 
Description of Services: Please see the enclosed materials for a specific description of the programs that you have purchased.
 
Limitations, Exclusions & Exceptions: Limitations, Exclusions & Exceptions:This program is a discount membership program offered by Careington. Careington is not a licensed insurer, health maintenance organization, or other underwriter of health care services. No portion of any provider's fees will be reimbursed or otherwise paid by Careington. Careington is not licensed to provide and does not provide medical services or items to individuals. You will receive discounts for medical services at certain health care providers who have contracted with the plan. You are obligated to pay for all health care services at the time of your appointment. 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.Careington 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 Careington 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: Careington International Corporation, P.O. box 2568, Frisco, TX 75034. You have the right to request an appeal if you are dissatisfied with the complaint and/or grievance resolution. After completing the complaint resolution and appeal processes, and you remain dissatisfied, you may contact your state insurance department.
Chiro and Podiatry Plus

Chiro and Podiatry Provider Search:
Find Providers Here

ChooseHealthy:
  • Access to more than 28,000 credentialed complementary health care providers, including massage therapists, acupuncturists, registered dieticians and more than 20,000 chiropractors
  • 25% discount off normal fees for services
  • Discounts on health and wellness products, including vitamins, minerals, herbal supplements, sports nutrition products, and more
This program is provided through ChooseHealthy a registered trademark of American Specialty Health Incorporated.
Podiatry:
  • Top-quality services from America's leading podiatric physicians
  • 50% discount on provider's fees for the initial exam
  • 20% discount on the provider's fee for all other services and products
  • This product is not available in MA
The podiatry program is provided through Healthcare Networks of America (HNA).
Direct Labs:
  • 10% to 80% savings on blood tests
  • Access to over 3,000 certified labs nationwide
These services are provided by DirectLabs.
This product is not available in Hawaii, Maryland, and Massachusetts. North Dakota, South Dakota, and Vermont offer Specialty Lab testing only.
Imaging:
  • 10% to 60% savings on advanced imaging
  • Access to over 2,400 radiology facilities nationwide
These services are provided by US Imaging.
This product is not available in HI, VT and WY.
Vitamins and Supplements:
  • 10% discounts on all products
  • Includes products related to: blood pressure, blood sugar, cholesterol, fitness and energy, stress relief, sleep and much more
  • Online health library with full-length articles, videos and healthy recipes
These discounts are provided by Swanson Health Products.
Pet Meds:
  • 20%-70% savings on retail pet medication prices
  • 30 to 90 day supply of pet medication delivered to your door
These discounts are provided by Health Matters International (HMI).
 
 
Important Notice: Chiro and Podiatry Plus is not insurance, nor it is affiliated with our insurance companies or our insurance products.
 
THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance. This plan does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00. This plan is not a Qualified Health Plan under the Affordable Care Act. THIS IS NOT A MEDICARE PRESCRIPTION DRUG PLAN. *The plan provides discounts at certain health care providers for medical services. The range of discounts will vary depending on the type of provider and service. The plan does not make payments directly to the providers of medical services. Plan members are obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount medical plan organization. You may access a list of participating health care providers at hiiquotecustomers.com. Upon request the plan will make available a written list of participating health care providers. You have the right to cancel within the first 30 days after receipt of membership materials and receive a full refund, less a nominal processing fee (nominal fee for MD residents is $5). Discount Medical Plan Organization and administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone 800-441-0380.

The plan and its administrators have no liability for providing or guaranteeing service by providers or the quality of service rendered by providers. This plan is not available in Montana and Vermont. This plan is not currently available in Washington.

*Medicare statement applies to MD residents when pharmacy discounts are part of plan.
 
 
Terms & Conditions
 
Renewal Conditions: By joining a plan, you are authorizing Health Insurance Innovations, (HII) to bill your credit card or checking account for the plan you have selected. This charge shall remain in force until you notify Health Insurance Innovations of request to cancel. By joining, you indicate you have read the terms and conditions of the plan. This plan will automatically renew at the end of your membership term on an annual basis, and your credit card or bank account will be automatically charged or drafted for the appropriate amount. Termination Conditions: Health Insurance Innovations and Careington International Corporation (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 the first 30 days after receipt of membership materials and receive a full refund, less the processing fee, if applicable. FL Residents: You have the right to cancel within 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. HII 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 Health Insurance Innovations, 218 E. Bearss Ave, Ste 325, Tampa, FL 33613 of fax to: 877-376-5832. You may also submit cancellation by email: support@hiiquote.com.
 
If HII is billing you quarterly, semi-annually or annually, HII will, in the event of cancellation of the membership by either party, make a pro-rata reimbursement of the periodic charges to the member.
 
Description of Services: Please see the enclosed materials for a specific description of the programs that you have purchased.
 
Limitations, Exclusions & Exceptions: This program is a discount membership program offered by Careington. Careington is not a licensed insurer, health maintenance organization, or other underwriter of health care services. No portion of any provider's fees will be reimbursed or otherwise paid by Careington. Careington is not licensed to provide and does not provide medical services or items to individuals. You will receive discounts for medical services at certain health care providers who have contracted with the plan. You are obligated to pay for all health care services at the time of your appointment. 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. Careington 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 Careington 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 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: Careington International Corporation, P.O. box 2568, Frisco, TX 75034. You have the right to request an appeal if you are dissatisfied with the complaint and/or grievance resolution. After completing the complaint resolution and appeal processes, and you remain dissatisfied, you may contact your state insurance department.
FAQ's

Who is eligible to apply for membership?
Health Essential provides both Membership benefits and Insurance benefits available to individuals from age 18 through age 64 with coverage terminating the day you turn 65.
The United States Fire Insurance Company Hospital Indemnity Policy is not available in : AK, CT, GA, KS, MD, ME, MA, MI, MT, NH, NJ, NY, NC, ND, OR, RI, VT or WA. State options and benefits may vary. There are plans available in NJ and NY, but they have different benefits, rates and the sales distribution is restricted.
Are there any waiting periods for insurance benefits?
There are no waiting periods for accidental injuries, however there is a 30 day waiting period for sickness. There are no additional insurance waiting periods.
Are there any waiting periods for non insurance Association benefits?
There are no waiting periods. You can begin saving once your payment is accepted and approved.
When does my coverage begin?
Once your payment is processed and approved your coverage is available 12:01am the next day or your selected date no longer than 30 days from your enrollment date.
Do I have to use a Beech Street PPO Network provider?
Members under this plan may choose to be treated within or outside of the Beech Street Network. Beech Street consists of hospitals, physicians, and other health care providers organized into a network for the purpose of delivering quality health care at affordable rates. As part of your Membership plan, an arrangement has been negotiated with the Beech Street Network to treat insured individuals for a reduced fee over the customer fees of non-Network Providers. Reimbursement rates will vary according to the source of care as described in your Plan Benefits. In order to use the services of a participating provider, you must present the Identification Card that is provided to you upon purchase of your plan and payment of the membership retail cost. To determine which providers are in the Beech Street Network, call 800 432-1776 or go online to www.beechstreet.com.
Certificate of Coverage
If you are applying online, your fulfillment package and ID card is available immediately after you complete your purchase and your payment is approved. If you are applying by paper enrollment form, your membership handbook and identification cards will arrive in the same package via U.S. Mail within 3-5 business days after payment is received and approved.
Disclaimer: *This is limited indemnity insurance coverage. It is not major medical coverage and it is not intended to replace other major medical coverage. This web site is a brief description of the Med Sense Guaranteed Association discount and lifestyle benefits for members offered by Health Essential. The exact provisions are contained in the Fulfillment Materials that will be issued to the Med Sense Guaranteed Association members upon enrollment. These are not insurance benefits. These are association discount and lifestyle benefits.

For Billing and Benefit questions please call 1-877-376-5831
For Claims questions please contact Co-ordinated Benefit Plans(CBP) by email at Claims@cbpinsure.com or by call toll free at 1-877-755-4835.
Limitations & Exclusions

Charges for the following treatments and/or services and/or supplies and/or conditions are excluded from coverage:
PRE-EXISTING CONDITIONS LIMITATION
Benefits are not provided for any loss caused by, or resulting from, a Pre-existing Condition, as defined, unless the loss is incurred at least 12-months after the Effective Date of coverage for a Covered Person.Benefits are not provided for any loss caused by, or resulting from, a Pre-existing Condition, as defined.This provision does not apply to newborn or newly adopted children.
Pre-existing Condition is defined as a conditions existing up to 12 months prior to the effective date of coverage. 
This applies only to hospital semi-private room, Hospital ICU/CCU, Surgery and Anesthesia Benefits
LIMITATIONS AND EXCLUSIONS (May vary by state)
Benefits will not be paid for charges or loss caused by, or resulting from, any of the following:
  1. Suicide or any intentionally self-inflicted Injury;
  2. Any drug, narcotic, gas or fumes, or chemical substance voluntarily taken, administered, absorbed or inhaled unless prescribed by, and taken according to the directions of, a Doctor (accidental ingestion of a poisonous substance is not excluded.);
  3. Commission, or attempt to commit, a felony;
  4. Participation in a riot or insurrection;
  5. Driving under the influence of a controlled substance, unless administered on the advice of a Doctor;
  6. Driving while Intoxicated. "Intoxicated" will have the meaning determined by the laws in the jurisdiction of the geographical area where the loss occurs.
  7. Declared or undeclared war or act of war;
  8. Nuclear reaction or the release of nuclear energy. However, this exclusion will not apply if the loss is sustained within 180-days of the initial incident and:
    1. The loss was caused by fire, heat, explosion or other physical trauma which was a result of the release of nuclear energy; and
    2. The Covered Person was within a 25-mile radius of the site of the release either:
      1. At the time of the release; or
      2. Within 24-hours of the start of the release; or
      3. Occurs while he is in the issue state of this Certificate;
  9. Routine health checkups or immunizations for Covered Person aged 6 and older; expenses for allergies, allergy serum or allergy testing, unless specifically provided for in this Certificate;
  10. Surgery to correct vision or hearing; eyeglasses, contact lenses and hearing aids, braces, appliances, or examinations or prescriptions therefore;
  11. Dental care, x-rays, or treatment other than Injury to sound, natural teeth and gums resulting from an accidental Injury and rendered within 6-months of the Injury;
  12. Spinal manipulations and manual manipulative treatment or therapy;
  13. Weight loss or modification and complications arising therefrom, including surgery and any other form of treatment for the purpose of weight loss or modification;
  14. Rest cures or custodial care, or treatment of sleep disorders;
  15. Treatment, services or supplies received outside of the U.S. except for acute Sickness or Injury sustained during the first 30-days of travel outside the U.S.;
  16. Normal pregnancy or childbirth, except for Complications of Pregnancy;
  17. Any drug, treatment, or procedure that either promotes or prevents conception or childbirth regardless of what the drug, treatment, or procedure was originally prescribed or intended for;
  18. Blood or Blood plasma, except for charges by a Hospital for the processing or administration of blood;
  19. Treatment of temporomandibular joint (TMJ) disorders involving the installation of crowns, pontics, bridges or abutments, or the installation, maintenance or removal of orthodontic or occlusal appliances or equilibration therapy;
  20. Cosmetic surgery. This Exclusion does not apply to reconstructive surgery:
    1. Blood or Blood plasma, except for charges by a Hospital for the processing or administration of blood;
    2. Of a congenital disease or anomaly of a covered dependent newborn or adopted infant; or
    3. On a non-diseased breast to restore and achieve symmetry between two breasts following a covered Mastectomy;
  21. The repair or replacement of existing artificial limbs, orthopedic braces, or orthotic devices; dentures, partial dentures, braces or fixed or removable bridges;
  22. Treatment or removal of warts, moles, boils, skin blemishes or birthmarks, bunions, acne, corns, calluses, the cutting and trimming of toenails, care for flat feet, fallen arches or chronic foot strain;
  23. Personal items such as television, telephone, lotions, shampoos, extra beds, meals for guests, take home items, or other items for comfort and convenience;
  24. Treatment of Mental or Nervous Disorders, or alcohol or substance abuse, unless specifically provided for under this Certificate;AHC-27330 - 15 -
  25. Prescription medicines, unless specifically provided for under this Certificate;
  26. Any Injury that is caused by flight or travel in, or upon:
    1. An aircraft or other, craft designed for navigation above or beyond the earth's atmosphere except as a fare-paying passenger;
    2. An ultra light, hang-gliding, parachuting or bungi-cord jumping
    3. A snowmobile
    4. Any two or three wheeled motor vehicle;
    5. Any off-road motorized vehicle not requiring licensing as a motor vehicle;
    6. Any watercraft or other craft designed for water use above or beneath the water, except as a farepaying passenger;
  27. Any accidental Injury where the Covered Person is the operator of a motor vehicle and does not possess a current and valid motor vehicle operator's license (except in a Driver's Education Program);
  28. Services, treatment or loss:
    1. Rendered in any Veterans Administration or Federal Hospital, except if there is a legal obligation to pay;
    2. Payable by any automobile insurance policy without regard to fault. (Does not apply in any state where prohibited);
    3. Which a Covered Person would not have to pay if he did not have insurance;
    4. Provided by a Doctor, Nurse or any other person who is employed or retained by a Covered Person or who is a member of a Covered Person's Immediate Family;
    5. Covered by state or federal worker's compensation, employers liability, occupational disease law, or similar laws;
    6. Injury or Sickness sustained while on active duty in the armed forces of any country. This does not include Reserve or National Guard duty for training. Upon receipt of proof of service, we will refund,any unearned premium paid on a pro rata basis;
  29. Hemorrhoids, tonsils, adenoids, middle ear disorders, any disease or disorder of the reproductive organsunless the loss is incurred at least 6-months after the Covered Person becomes insured under this Certificate;
  30. Elective treatment or surgery and treatment, procedures, products or services that are experimental or investigative. "Experimental or Investigative" means a drug, device or medical treatment or procedure that:
    1. Cannot lawfully be marketed without approval of the United States Food and Drug Administration and approval for marketing has not been given at the time of being furnished;
    2. Has Reliable Evidence indicating it is the subject of ongoing clinical trials or is under study to determine its maximum tolerated dose, toxicity, safety, efficacy, or its efficacy as compared with the standard means of treatments or diagnosis; or
    3. Has Reliable Evidence indicating that the consensus of opinion among experts is that further studies or clinical trials are necessary to determine its maximum tolerated dose, toxicity, efficacy, or its efficacy as compared with the standard means of treatment or diagnosis.
      "Reliable Evidence" means (i) published reports and articles in authoritative medical and scientific literature; (ii) the written protocol(s) of the treating facility or the protocols of another facility studying substantially the same drug, device, medical treatment or procedure; or (iii) the written informed consent used by the treating facility or by another facility studying substantially the same drug, device, or medical treatment or procedure.
The Platinum Health Essential Plan series is available in all states except: AK, CT, GA, KS, MD, ME, MA, MI, MT, NH, NJ, NY, NC, ND, OR, RI, VT or WA. State options and benefits may vary.
 
Limited Medical Indenmity Benefits Provided By:
United States Fire Insurance Company , Rated "A" by A.M. Best
 
Disclaimer. THIS IS NOT BASIC HEALTH INSURANCE OR MAJOR MEDICAL COVERAGE AND IS NOT DESIGNED AS A SUBSTITUTE FOR BASIC HEALTH INSURANCE OR MAJOR MEDICAL COVERAGE. Coverage is not provided for members age 65 or over, coverage will terminate at the end of the monthly billing cycle prior to turning age 65. Members can be enrolled only once. Duplicate or multiple memberships, including Limited Medical Indemnity Insurance underwritten by United States Fire Insurance Company, is not allowed. Changes to coverage underwritten by United States Fire Insurance Company can only be made if the change is the result of a qualifying life event. A qualifying life event means marriage, divorce, the death of your spouse, or the birth or adoption of a child. If coverage is cancelled, persons may not re-enroll in coverage with United States Fire Insurance Company until six-months after their termination date. This web site is a brief description of the Med Sense Guaranteed Association discount and lifestyle benefits for members offered by Platinum Health Essential. The exact provisions are contained in the Fulfillment Materials that will be issued to the Med Sense Guaranteed Association members upon enrollment. These are association discount and lifestyle benefits.

For Billing and Benefit questions please call 1-877-376-5831
For Claims questions please contact Co-ordinated Benefit Plans(CBP) by email at Claims@cbpinsure.com or by call toll free at 1-877-755-4835.
 
Health Essential Plan Benefit Pricing
"There are multiple insurance products and premiums included as part of membership. The Insurance Premium related to coverage underwritten by United States Fire Insurance Company as part of your membership is as follows: Basic 500 Single = $41.42, Single Plus 1 = $86.64, Family = $113.82; Plus 750 Single = $74.59, Single Plus 1 = $155.78, Family = $200.18; Choice 1000 Single =$100.08, Single Plus 1 = $208.90, Family = $268.35"
 
The above Insurance Premium reflects only the coverage underwritten by United States Fire Insurance Company. It does not include the association's costs for other coverage's, programs and services; including but not limited to member discount and savings related programs and services, administration and maintenance of association information and awareness benefits, web sites, enrollment, fulfillment and any other costs related to administration of association membership.
The United States Fire Insurance Company Hospital Indemnity Policy is not available in : AK, CT, GA, KS, MD, ME, MA, MI, MT, NH, NJ, NY, NC, ND, OR, RI, VT or WA. State options and benefits may vary. There are plans available in NJ and NY, but they have different benefits, rates and the sales distribution is restricted.
 
Limited Medical Indenmity Benefits Provided By:
United States Fire Insurance Company , Rated "A" by A.M. Best
 
Disclaimer.THIS IS NOT BASIC HEALTH INSURANCE OR MAJOR MEDICAL COVERAGE AND IS NOT DESIGNED AS A SUBSTITUTE FOR BASIC HEALTH INSURANCE OR MAJOR MEDICAL COVERAGE. Coverage is not provided for members age 65 or over, coverage will terminate at the end of the monthly billing cycle prior to turning age 65. Members can be enrolled only once. Duplicate or multiple memberships, including Limited Medical Indemnity Insurance underwritten by United States Fire Insurance Company, is not allowed. Changes to coverage underwritten by United States Fire Insurance Company can only be made if the change is the result of a qualifying life event. A qualifying life event means marriage, divorce, the death of your spouse, or the birth or adoption of a child. If coverage is cancelled, persons may not re-enroll in coverage with United States Fire Insurance Company until six-months after their termination date. This web site is a brief description of the Med Sense Guaranteed Association discount and lifestyle benefits for members offered by Health Essential. The exact provisions are contained in the Fulfillment Materials that will be issued to the Med Sense Guaranteed Association members upon enrollment. These are association discount and lifestyle benefits.

For Billing and Benefit questions please call 1-877-376-5831
For Claims questions please contact Co-ordinated Benefit Plans(CBP) by email at Claims@cbpinsure.com or by call toll free at 1-877-755-4835.
Definitions

The terms shown below have the meaning given in this section. Whenever used throughout this Certificate, they will be capitalized. Additional terms may be defined within the provision to which they apply.
Certificateholder (also You, Your, Yours) means the primary insured person who completed the Application for coverage and who is named in the Schedule as the Certificateholder and whose coverage has become effective and has not terminated.
Complications of Pregnancy means:
  1. Conditions requiring Confinement to a Hospital or treatment in an Outpatient Surgery Facility (when the pregnancy is not terminated) whose diagnoses are distinct from pregnancy, but are adversely affected by or caused by pregnancy, including but not limited to: non-elective cesarean section, acute nephritis, nephrosis, cardiac decompensation, hyperemesis gravidarum, pre-eclampsia, missed abortion, and similar medical and surgical conditions of comparable severity; and
  2. Termination of ectopic pregnancy and spontaneous termination of pregnancy occurring during a time that a viable birth is not possible.
"Complications of Pregnancy" does not mean: false labor, occasional spotting, Doctor-prescribed rest during the period of pregnancy, morning sickness, elective Cesarean section, and similar conditions associated with the management of a difficult pregnancy but not constituting a nosologically distinct complication of pregnancy.
Confined/Confinement means the Medically Necessary admission to, and subsequent continued stay in, a Hospital as an overnight bed patient and a charge for room and board is made. If death occurs before a Covered Person completes one overnight stay, that person will be deemed to have been Confined for 1-day.
Covered Expenses means the Medically Necessary charges for services, supplies, care, or treatment covered under this Certificate that are incurred by a Covered Person as a result of Injury or Sickness and for which the Covered Person is legally obligated to pay.
Covered Person means You and any Eligible Dependent for whom proper premium payment has been made and who is, therefore, insured under this Certificate.
Doctor means a licensed practitioner of the healing arts acting within the scope of his or her license.  Doctor does not include:
  1. You or any other Covered Person;
  2. A Covered Person's spouse, Dependent, parent, brother, or sister; or
  3. A person who ordinarily resides with you or a Covered Person.
Eligible Dependent Child who:
  1. is under 26 years of age; and
  2. Is not provided coverage as a named subscriber, insured, enrollee, or coverage under any other group or individual health plan, group health plan, church plan, or health benefits plan, or entitled to benefits under TITLE XVIII of the Social Security Act, Public Law 89-97, 42 U.S.C. section 1395 et seq.; or
  3. A child of any age who is medically certified by a physician as having an intellectual disability or a physical disability is dependent upon the Insured.
Spouse means the lawful Spouse, under age 70 (unless otherwise stated in the Application), of an Insured.
Child can include stepchild, foster child, legally adopted child, a child of adoptive parents pending adoption proceedings, and natural child.
"Hospital" means an institution which is operated pursuant to its license and is primarily and continuously engaged in providing medical care and treatment to sick and injured persons for which a charge is made that the Covered Person is legally obligated to pay.  The institution must:
  1. Maintain a staff of one or more duly licensed Doctors;
  2. Provide 24 hour nursing service by or under the supervision of a graduate registered nurse, (R.N.);
  3. Have medical, diagnostic and treatment facilities, and major surgical facilities to care for persons on an inpatient basis on its premises or available to it on a prearranged basis; and
  4. Keep medical records.
"Hospital" doesnot include:
  1. A clinic or facility for:
    1. Convalescent, custodial, educational or nursing care;
    2. The aged, drug addicts or alcoholics; or
    3. Rehabilitation; or
  2. A military or veterans hospital or a hospital contracted for, or operated by, a national government or its agency unless:
    1. The services are rendered on an emergency basis; and
    2. A legal liability exists for the charges made to the individual for the services given in the absence of insurance.
Immediate Family means a Covered Persons spouse, parent, son, daughter, or siblings.
Injury means bodily harm caused by an accident, directly and independently of Sickness or bodily infirmity, resulting in unforeseen trauma requiring immediate medical attention. The Injury must occur after the Covered Person's Effective Date of coverage and while such person's coverage is in force. All injuries to the same Covered Person sustained in any one accident, including all related conditions and recurring symptoms of the Injuries, will be considered one Injury.
Insured means a Covered Person for whom insurance is in force under this Certificate.
Limiting Age – see Eligible Dependent.
Medically Necessary or Medical Necessity means the service or supply is:
Necessary and appropriate, according to conventional medical practice for the diagnosis or treatment of an Injury or Sickness based on generally accepted current medical practice.
A service or supply will not be considered Medically Necessary if it:
  1. Is provided only as a convenience to the Covered Person;
  2. Is not appropriate treatment for the Covered Person's diagnosis or symptoms;
  3. Exceeds (in scope, duration or intensity) a level of care that is needed to provide safe, adequate and appropriate diagnosis or treatment.
The fact that a Doctor may prescribe, order, recommend or approve a service or supply does not, of itself, make the service or supply Medically Necessary.
Nurse means either a professional, licensed, graduate registered nurse (R.N.) or a professional, licensed practical nurse (L.P.N.).
Participating Organization means the entity that has elected to offer you coverage under the Group Policy that has been issued to the Group Policyholder and who has completed a Participation Agreement that has been accepted by us. The Group Policyholder is shown on the Schedule.
Policy Year means the duration of time this Certificate is in force during which Covered Expenses are subject to the Policy Year Maximum Benefit. It begins on the Certificate Effective Date shown in the Schedule, and ends on the same day and month of the following calendar year provided coverage is not terminated. Thereafter, it means the period beginning on the Certificate Renewal Date and ending on the same month and date 12-months later.
Pre-existing Condition means a medical condition, Injury or Sickness, not excluded by name or specific description, for which:
  1. Medical advice, Consultation, care or treatment was recommended by, or received from, a Doctor within 1-year immediately prior to the Effective Date of coverage for a Covered Person; or
  2. Symptoms existed within 1-year immediately prior to the Effective Date of coverage for a Covered Person that would cause a reasonable person to seek Consultation, care, or treatment from a Doctor.
"Consultation" means evaluation, diagnosis, or medical advice given without the necessity of a personal examination or visit.
Sickness means illness or disease, including Complications of Pregnancy, which begins while coverage is in force under this Certificate for the Covered Person.  All related conditions and recurring symptoms of sickness to the same person will be considered one sickness.
Waiting Period means the consecutive number of days after the Certificate Effective Date for a Covered Person before benefits are payable for Covered Expenses due to Injury or Sickness. The Waiting Period, if any, is shown in the Schedule.
We, us, our means United States Fire Insurance Company.
You, Your, Yours (also, Certificateholder) means the primary insured person who completed the Application for coverage and who is named in the Schedule as the Certificateholder and whose coverage has become effective and has not terminated.
Disclaimer: *THIS IS NOT BASIC HEALTH INSURANCE OR MAJOR MEDICAL COVERAGE AND IS NOT DESIGNED AS A SUBSTITUTE FOR BASIC HEALTH INSURANCE OR MAJOR MEDICAL COVERAGE. Coverage is not provided for members age 65 or over, coverage will terminate at the end of the monthly billing cycle prior to turning age 65. Members can be enrolled only once. Duplicate or multiple memberships, including Limited Medical Indemnity Insurance underwritten by United States Fire Insurance Company, is not allowed. Changes to coverage underwritten by United States Fire Insurance Company can only be made if the change is the result of a qualifying life event. A qualifying life event means marriage, divorce, the death of your spouse, or the birth or adoption of a child. If coverage is cancelled, persons may not re-enroll in coverage with United States Fire Insurance Company until six-months after their termination date. This web site is a brief description of the Med Sense Guaranteed Association discount and lifestyle benefits for members offered by Platinum Health Essential. The exact provisions are contained in the Fulfillment Materials that will be issued to the Med Sense Guaranteed Association members upon enrollment. These are association discount and lifestyle benefits.

For Billing and Benefit questions please call 1-877-376-5831
For Claims questions please contact Co-ordinated Benefit Plans(CBP) by email at Claims@cbpinsure.com or by call toll free at 1-877-755-4835.
Security & Privacy

At HIIquote.com we are strongly committed to protecting your privacy. This privacy policy details how we use and protect your information. For additional details on this site and the information we provide, please review our LEGAL NOTICE and TERMS OF USE.
When you become a HIIquote.com customer, you entrust us with your personal data. We consider your data to be private and confidential, and we hold ourselves to the highest standards of trust and fiduciary duty in their safekeeping and use.
Health Insurance Innovations (HII) and our partners will not release information about you or your application, policy or claims information, unless one or more of the following conditions are met:
  • We receive your prior written consent.
  • We believe the prospective recipient to be you or your authorized representative.
  • We are required by law to release information to the recipient.
Questions about your medical history and physical condition are required by our insurance carrier partners and will be released to the insurer so that they may underwrite your insurance application. HII will not give or sell information about you to any other company, individual, or group without your prior authorization.
HII will only use information about you to help us better serve your insurance needs or to suggest HII services or insurance materials that may be of interest to you.
To further protect your privacy, our web site uses the highest levels of Internet security, including data encryption, user names and passwords, and other security tools.
Occasionally, HII may conduct marketing surveys or research to help us evaluate products, services, and the changing needs of our customers. It is HII's policy to keep this information confidential.
We will not share individual marketing data gathered from our web site with individuals or business entities not affiliated with HII.
We know that the privacy of your personal information is important to you. In order to provide you with insurance products of the highest quality and with the service you deserve, it may be necessary for us from time to time to collect nonpublic personal and financial information about you (the "Information") and, in certain situations, to share that Information with others. The following notice describes our policies and practices with regard to your Information.
HOW WE PROTECT YOUR INFORMATION
We maintain physical, electronic and procedural safeguards to protect the Information against unauthorized access and use. We restrict access to the Information to those employees who need access to provide products and services to you and your dependents. The personnel who have access are trained in the proper handling of the Information. Employees who violate this strict level of confidentiality are subject to our disciplinary process.
CATEGORIES OF INFORMATION THAT WE COLLECT
In the normal course of business we may collect the following types of Information:
  • Information you provide on applications and other forms (including name and address)
  • Data about your transactions with us (such as types of products you have purchased and your account status)
  • Information gathered on our Web sites through online forms, site visit data and online information-collecting devices known as "cookies"
HOW WE USE YOUR INFORMATION
  • We may share your information among the Insurance Companies as permitted by law, including for routine business administration.
  • We may share information with non-affiliated companies as allowed by law, such as firms that perform services on our behalf, including the administration and marketing of our products. We require these companies to meet strict privacy standards.
  • We may disclose information to non-affiliated entities when required by law, such as to respond to a subpoena, to prevent fraud or to comply with an inquiry by a government agency.
ACCURACY OF YOUR INFORMATION
We strive to maintain the accuracy of Information that is in our possession about you. In order to help us maintain accuracy, you have the right to reasonably access your information. If you believe any information in our possession is inaccurate, a request can be made to amend or delete the information that you believe to be erroneous. If we concur with the request, we will amend or delete the information in question. You may write our Privacy Office at the address below to receive our complete policy on accessing and amending the Information.
CHANGES TO THIS NOTICE
We reserve the right to change this Notice. We reserve the right to make the revised Notice effective for the Information we already have about you as well as any Information we receive in the future. If we make any material changes to our policies or practices, we will provide you with a copy of a revised Notice. We will post a copy of the current Notice on our websites. The Notice will contain in the top right-hand corner, the effective date.
You may contact our Privacy Office at:
Health Insurance Innovations
218 East Bearss Ave., Ste. 325, Tampa, FL 33613
Toll Free:  1-877-376-5831
Toll Free Fax: 1-877-376-5832
Privacy Policy
At HIIquote.com, we are strongly committed to protecting your privacy. This privacy policy details how we use and protect your information. For additional details on this site and the information we provide, please review our LEGAL NOTICE and TERMS OF USE.
There are two types of information that we collect: non-personally-identifiable information that is collected in aggregate (website use information) and personal information that you choose to provide to us. 
Information We Collect
When you choose to get a quote for or request more information for health insurance, you may provide information about yourself, including your name, address, age, birthdate, gender, amount of coverage requested, phone number, email address, and other items. This information is shared with relevant third-parties necessary to fulfill your request. We may share this information with insurance agencies, insurance brokers, and insurance companies. We do not share this information with outside parties except to the extent necessary to complete your request such as submitting your application to insurer(s).
When you make an inquiry about an insurance quote and by entering your personal information and clicking on the "Submit" or "Get Quotes" button, you are authorizing the sharing of your inquiry and your personal information with other businesses who provide insurance products or services that match your inquiry. Insurance institutions and other services who subscribe to our system compete for the opportunity to provide insurance products and services that match your inquiry. By submitting your information to us, you are also authorizing these businesses to contact you directly by e-mail and telephone with information about financial products or services they offer that match your inquiry. You expressly consent to receive phone calls whether or not you are on the Do Not Call list (federal or state).
However, you should be aware that we have no control over how other businesses with whom we share your information may use it or whether they will sell or share your information with third parties. Consequently, these businesses, such as the one from whose website you transferred here, may have direct access to your information.
Sharing Information with Third Parties
We may enter into alliances, partnerships or other business arrangements with third parties who may be given access to personal information including your name, address, telephone number and email for the purpose of providing you information regarding products and services that we think will be of interest to you.
In connection with alliances, partnerships or arrangements, we may also provide certain information to third parties if we have determined that the information will be used in a responsible manner by a responsible third party. For example, some of our partners operate stores or provide services on our site, while others power offerings developed by us for your use. We also use third parties to facilitate our business, including, but not limited to, sending email and processing credit card payments. In connection with these offerings and business operations, our partners and other third parties may have access to your personal information for use in connection with business activities.
As we develop our business, we may buy or sell assets or business offerings. Customer, email, and visitor information is generally one of the transferred business assets in these types of transactions. We may also transfer such information in the course of corporate divestitures, mergers, or any dissolution.
How We Use the Information
Our management team uses non-personally identifiable information to improve the user experience for all website visitors. We may analyze site usage statistics to do things such as update our content, alter our navigation, or otherwise customize our site to better serve our visitors.
If you choose to give us personally-identifiable information such as your zip code, email, contact information, etc we may share this information with third parties to help answer your questions or fulfill your request. We reserve the right to use such data provided to us for any legally permissible purpose.
If you choose to send us an email, we will do our best to respond to your request in a timely manner. We may forward your request on to third parties in situations where we cannot answer your question, and may also respond to your email with offers or correspondence which we believe may be relevant to you.
Legal Obligations
We may disclose or report your personal information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities or to resolve consumer disputes.
Links to Third Parties
Our website contains links to other websites. Please note that when you click on a link to one of these sites, you are exiting our website to go to another. Health-Insurance-Carriers is not responsible for the content or privacy practices of these websites. We suggest that you read the privacy policies of these sites, as their practices and policies may differ from ours.
Your Consent
By using our website, you imply consent to the collection and use of this information by Health-Insurance-Carriers as described in this Privacy Policy. In the event that there is a change to our privacy policy, such updates will be immediately reflected on this page.
Contacting Us
This site is owned and operated by SF Insurance Properties. If you have any questions about this privacy policy or the practices of this site, please contact us. If you choose to send us an email, we will do our best to respond to your request. We encourage you to send us email but request that you do not send personal information such as account or social security numbers, as we cannot confirm the safety and security of such details when sent via email.
California Residents Privacy Rights
Companies that collect personally identifiable information ("PII") from California residents and disclose such information to Third Parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt-out of having their information shared with Third Parties. We have elected the second option and you may request that your PII not be shared with Third Parties by sending your request, including your full name, email address and postal address to: SF Insurance Properties, PO Box 77387, San Francisco, California 94107. In accordance with California Civil Code Sec. 1789.3, California resident users are entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to dca@dca.ca.gov.
Disclaimer: This is limited indemnity insurance coverage. It is not major medical coverage and it is not intended to replace other major medical coverage. This web site is a brief description of the Med Sense Guaranteed Association discount and lifestyle benefits for members offered by Health Essential. The exact provisions are contained in the Fulfillment Materials that will be issued to the Med Sense Guaranteed Association members upon enrollment. These are not insurance benefits. These are association discount and lifestyle benefits. For Web Site and Benefit questions please call 1-877-376-5831.