Membership Terms

Association Membership Terms & Conditions

  1. "Member" is defined as those persons specifically enrolled as association members, and listed in the membership account profile.
  2. Enrollment fee and recurring charges will be drafted automatically against the payment information provided until member initiates cancellation. If auto-draft of payment fails, we may reattempt draft until membership lapses or cancels. We reserve the right to lapse membership at any time for nonpayment.
  3. All payments are non-refundable, including enrollment fees and monthly charges. Cancellations must be received 3 business days prior to bill date to avoid payment from being processed.
  4. Providers are subject to change without notice. Programs may vary in some states. Providers and locations may be removed from network at any time.
  5. Benefits are subject to change without notice. In the case of a material change of benefits, a notice may be posted on the website, and an email may be sent to affected members.
  6. Any insurance benefits offered as part of membership are group insurance products, issued to American Better Health Organization, Inc., by the varying underwriting insurance carriers. Members are extended these insurance benefits as a benefit of membership.
  7. Any insurance benefit featuring death benefits will pay to the deceased member’s estate unless otherwise designated by member. Members can designate a beneficiary by logging on to their member portal.
  8. This website is not an insurance policy, but merely reviews the insurance benefits being offered through insurance policies. It should not be taken as an explicit or definitive review of insurance benefits or exclusions, and members are encouraged to logon to their member portal to review full policy certificates so they can fully understand their insurance benefits.
  9. Any discrepancy between benefits reviewed in this website, and those covered in the actual respective insurance policies, will be honored based on the terms of the insurance policy.
  10. Any insurance benefits offered as part of membership do not meet the minimum credible coverage requirements under the Affordable Care Act.
  11. Insurance coverage extended to Members is based on continued active membership of those respective members in the association. If a member terminates, cancels, or allows membership to lapse, any associated insurance coverage will be cancelled on the date of membership termination.
  12. American Better Health Organization, Inc., and associated companies, shall be held harmless if any complaint, discrepancy, or other issue arises from insurance policies or health care providers.
  13. In the case of any dispute between Member and association, the Court of Common Pleas of Lehigh County, Pennsylvania, or the Federal Court for the Eastern District of Pennsylvania, if applicable, shall have sole jurisdiction over legal proceedings.
  14. Except as otherwise prohibited under applicable law, Member expressly waives any right to assert any claims against American Better Health Organization, Inc. as a representative or member in any class or representative action, whether in arbitration or otherwise.

Complimentary Benefits Limitations, Exclusions and Exceptions

Complimentary benefit members are defined as primary members, spouses, and all legal dependents.

Providers are subject to change without notice. Programs may vary in some states. Providers and locations may be removed from the network at any time.

All complimentary benefits are discounts only. The program may be cancelled or modified at any time. You will receive notice if the plan is cancelled or materially modified.

The discount company will not reimburse or pay any portion of any provider’s fees. These benefits may not be used with any other discount plan or program. Listed or quoted prices are subject to change without notice.

Providers may offer products or services to the public at prices lower than the discounted prices. In such event, members will be charged the lower price.

Savings are based on the provider’s normal fees. Actual savings will vary by location and the services or products purchased.

This discount program is a referral plan, and makes no warranties concerning the quality of care received. Providers are responsible for the professional advice and treatment provided to members.

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