Info on the $49 Insurance

[Guest guest]

I hope this is the list that someone wrote to,

questioning the $49 insurance. (Actually it's not

insurance and isn't valid in Calif or Wash.)

Coincidentally, tonight I received an email about it.

I checked out the website and here's the " fine print " .

I think it's pretty clear there is no way a DS

procedure is going to be " covered " under this plan:

Full Access Medical

Important Terms and Conditions

This Agreement is between you ( " Member " ) and Full

Access Medical, LLC ( " FAM " ) and shall be effective on

the date ( " enrollment date " ) that FAM receives payment

for all enrollment fees and forwards to you your

Member ID Cards. MEMBER UNDERSTANDS THAT FAM PROVIDES

HEALTH AND MEDICAL SAVINGS BENEFITS AND IS NOT AN

INSURANCE POLICY, PLAN OR PROGRAM. FAM's program makes

available negotiated rate reductions for services and

medical procedures rendered by providers of service

listed in the Program. FAM will NOT make any payments

for services or any other kind of cost to either

Members or providers of service on behalf of Members.

FAM's sole obligation under this Agreement is to

administer Member's enrollment in the Program.

FAM will only provide Members with access to medical

and healthcare PPO Network(s) as listed in the

Program. A limited directory of participating

providers of service is provided to Member upon

enrollment. The providers of service listed in the

directory, FAM's website or available from FAM's

Member Services Center are subject to addition,

deletion or change at any time and without prior

notice to member. It is the Member's responsibility to

contact FAM to verify that a provider of service is a

current participant in the Program. Member may call

FAM's Member Services Center for current provider of

service information.

The actual savings that a Member may receive will vary

and depend upon location and the nature of the

specific procedure or service. Due to the usually

higher expense associated with in-patient hospital

visits, Member is required to contact FAM's Member

Services Center before admission for pre-admission

procedures. Based on the hospital selected by Member

from FAM's list of available facilities and the

hospital's total estimated cost to the member for the

planned procedure, Member may be required to submit a

pre-deposit to the hospital of $1,000.00 for each

estimated scheduled day. If a deposit is required,

Member's deposit to the hospital will be applied to

the Member's total bill (or partially refunded

depending upon the total amount of the final bill) at

the end of the Member's hospitalization. Even though

FAM will use its best efforts to provide savings

benefits for all in-patient hospital visits, FAM can

not guarantee or warrant that products, procedures,

services and facilities are available in every medical

situation and/or geographic location.

Neither FAM nor any of its affiliates nor any PPO

Network(s) shall be liable or responsible to make any

payment to a medical provider or other provider of

service used by a member of the FAM Program. Neither

FAM nor any of its affiliates nor any PPO Network(s)

shall be liable for or held responsible for any

refusal by a participating provider of service's

refusal to accept the network rates offered under this

Program. FAM, its affiliates or any PPO Network(s) is

NOT an insurer, guarantor or underwriter of a Member

and is NOT responsible or liable for a Member's or

Member's dependents' type, quality or cost of medical

care or any other goods or services provided to Member

or Member's dependents under this Program.

Participating medical providers of service are

independent contractors. FAM, its affiliates and any

PPO Network(s) are not liable for or responsible for

the provision or omission of any medical services,

treatments, consultations, diagnoses or advice that

may be given or not given to a Member or a Member's

dependents by a medical provider of service. FAM does

NOT practice medicine and neither interferes with,

participates in or is a part of the medical

provider-patient relationship. The selection of a

medical provider is the obligation of and the sole

decision of the Member and such decision shall not be

based upon the advice, credentialing or recommendation

of FAM, its affiliates or any Provider Network(s).

As part of its service to its Members, FAM may provide

to providers of service under this Program network

rate information. If the disclosed information results

in an underpayment to a medical provider for services

rendered to a Member, Member agrees to pay to the

medical provider the amount of any shortage within ten

(10) days written notice to the affected member of the

underpaid reimbursement. Likewise, if the information

results in an overpayment to a medical provider for

services rendered to a Member, FAM shall use its best

efforts to assist the Member to collect the amount of

such overpayment from the medical provider.

Member's payments for participation in FAM's Program

are due and payable in advance. FAM shall

automatically deduct your payments on a recurring

basis on or about each due date as authorized by you.

Members may cancel their membership in FAM's Program

at any time at least five (5) days before the next

date a payment is due to avoid being charged for the

next payment due and upon the return of the Member's

ID cards. If you decide to cancel your membership in

the Program due to any modification or change in the

Program, including its benefits, services or providers

of services, FAM's liability shall be limited to a

refund of Member's payments paid to FAM for the period

subsequent to the modification or change. If a Member

cancels his/her membership in writing within the first

thirty (30) days of enrollment in the Program, the

Member may be eligible for a full refund if the

Member's ID cards are returned to FAM, less any

savings received by the Member or Member's dependents

under the Program. The $20.00 enrollment fee is

nonrefundable.

FAM reserves the right to terminate any enrollment or

membership of any Member or Member's dependents or

deny eligibility to any person for any reason,

including for a Member's failure or refusal to pay a

participating provider of service listed under the

Program or for nonpayment of a payment to FAM when

due. If FAM receives a returned check, insufficient

funds notice on bank draft or denial of a charge to a

Member's credit card, FAM may terminate the affected

Member's enrollment and membership effective

immediately. If a Member applies for reinstatement of

enrollment/membership that was terminated due to

nonpayment, the member must pay as a condition of

reinstatement a fee of $20.00.

This Agreement constitutes the entire agreement

between Member and FAM. THERE ARE NO WARRANTIES

EXPRESS OR IMPLIED OTHER THAN EXPRESSLY STATED HEREIN.

This Agreement may only be amended, changed or

modified in writing. The laws of the State of

Tennessee shall govern the interpretation,

construction and enforcement of this Agreement. Any

dispute arising from, out of, or relating to this

Agreement shall be resolved by binding, non-appealable

private arbitration, conducted in accordance with the

rules of the American Arbitration Association. The

appropriate offices of the American Arbitration

Association located in either son or on

County, Tennessee, shall have exclusive jurisdiction

and venue over all matters concerning this Agreement

and will be the proper forums for adjudication of

these matters. These provisions shall survive

termination of this Agreement and Member's enrollment

or membership in the Program.

__________________________________________________