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                                         CARExpress Member Terms and Conditions

  1. Member understands that CARExpress is NOT an insurance program. No payments to medical providers or members will be made by CARExpress.
  2. CARExpress provides savings to its members on health services through a number of medical networks.In order to access these networks and the related discounts, member or memberís dependents must be a member in good standing, meaning their current membership status is active and their CARExpress membership payment is current. Payments on all medical bills are due and payable at the time of service.Member is required to pay the entire amount of the discounted rate. The member has no out-of-network benefits and must use a contracted provider in order to receive any savings.The range of discounts for medical or ancillary services provided under the program will vary depending on the type of provider and medical or ancillary service received.
  3. Neither CARExpress nor any of its affiliates, nor any network accessed shall be liable for any payment to a provider accessed under the CARExpress program, or any refusal of participating providers to accept the network rates offered under this program.  CARExpress savings, its affiliates or any network accessed is not an insurer, guarantor or underwriter of the responsibility or liability of Member for Memberís or Memberís dependentís medical care or any other goods or services provided to Member or Memberís dependents.
  4. The providers listed in the CARExpress on-line directory are subject to change without notice.Member may visit us on-line at or call the provider referral line at 1-866-635-9532 for current provider information.
  5. Participating medical providers are independent contractors and, CARExpress and its affiliates and its contracted networks are not responsible for health care provided or the omission of the provision of health care by any provider.CARExpress does not practice medicine or in any manner interfere with or participate in the provider-patient relationship.All health care decisions are between the patient and a provider.The selection of a provider is the obligation and decision of the patient and is not based upon the credentialing or any recommendation by CARExpress, its affiliates or its contracted networks.
  6. Termination:CARExpress reserves the right to terminate any member for failure to pay a medical provider accessed under the CARExpress medical savings program under the terms provided.CARExpress may also terminate any member for failure to pay their monthly or annual membership fee when due and payable.If a member fails to make payment upon the second day after the CARExpress membership fee is due and payable, member can be moved to inactive status until such payment is received and brings their CARExpress membership current.If CARExpress terminates a member for any reason other than non-payment of fees by the member, CARExpress will make a prorated reimbursement of all periodic charges to the member.
  7. Cancellation: Members may cancel their membership within 30 days after joining a CARExpress program and receive a refund of all membership fees paid to CARExpress and money paid as a nominal one-time enrollment fee that exceeds $30.  Members will not receive a refund of any money paid by the member to a provider for health care services or products received. Thereafter, members may cancel their CARExpress program at any time by providing written notice to CARExpress and returning their membership cards, and CARExpress will cease collecting membership fees in a reasonable amount of time, but no later than 30 days after receiving a valid cancellation notice.
  8. Entire Agreement:All provisions under this Agreement constitute the entire Agreement between CARExpress and the Member.If any provision is declared void under the law, that provision is severable and the remainder of this Agreement shall remain in full force and effect.
  9. Membership Card: Member will be provided with a Membership Card.Such card and other forms of identification should be carried by the Member at all times to provide proof of the right to Eligible Services under the Membership Agreement.A new CARExpress membership card and materials will be provided to new members no later than 15 days after enrolling in the program.
  10. Add/Remove Dependents: Members may call the CARExpress customer service
    #1-866-635-9532 in the event they need to add or delete dependent information. It will take up to 72 hours for the membership change to take effect.
  11. Renewal:To insure quality uninterrupted service, your CARExpress membership will be automatically renewed upon expiration each year and the current membership fee will be billed in accordance with your current payment method.If an automatic payment method is not indicated, then a renewal notice will be sent to the member to notify them of the upcoming expiration date and renewal procedure.
  12. Complaint Procedure:Should a member have a question, concern or complaint regarding the CARExpress program, providers or procedures, contact should be made immediately either in writing or by telephone to the CARExpress customer service center.CARExpress will acknowledge each complaint in writing within 5 business days and shall investigate each complaint and provide the complainant with the results of its investigation no later than the 30th calendar day after the date CARExpress received the complaint. In the event that the problem surrounds the services received from a provider, the member must look solely to the provider of the benefit for rectification. CARExpress does not give any warranty for any benefits or services obtained.  West Virginia Residents:  If a member remains dissatisfied after completing the Complaint Procedure, member may contact the Offices of the West Virginia Insurance Commissioner.
  13. Limitations, Exclusions or Exceptions:  Since CARExpress is a discount health savings program and not insurance, there are no applicable limitations, exclusions or exceptions other than that the program requires a member to use a participating provider in order to receive their savings and they must be a member in good standing as detailed above.
  14. Utah Residents: This program is not protected by the Utah Life and Health Guaranty Association.
  15. Maryland Residents: Some discounts under the Physician and Hospital Referral Plan benefit are not applicable in Maryland. Discounts are not available for all In-Patient procedures and certain Out-Patient Procedures under Maryland law. Out patient procedures at network hospitals such as laboratory and diagnostics services are eligible for the discount.
  16. Note to Texas Consumers: Regulated by the Texas Department of Licensing and Regulation, P.O. Box 12157, Austin, Texas 78711; Telephone: (800) 803-9202 or
    (512) 463-6599; Website: .