Refund Policy, Cancellation Policy, True Dental Care, American Health Advantage

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Cancellations and Grievances:

You have 30 days after the effective date to use the plan risk-free. If for some reason
within 30 days after the effective date you are dissatisfied with the plan and wish to
cancel and obtain a refund of any membership fees paid, please send a cancellation
letter and a request for a refund with your name and member number to Member
Services, American Health Advantage at 1025 Greenwood Boulevard, Suite 121, Lake
Mary, FL 32746. If American Health Advantage charges for a time period in excess of
one month, American Health Advantage will, in the event of cancellation of the
membership by either party, make a pro-rata reimbursement of the periodic charges to
the member.

Careington International Corporation reserves the right to terminate plan
members from its plan for any reason, including nonpayment. If you would like to file a
complaint or grievance regarding your plan membership, you must submit your
grievance in writing to: Member Services, Careington International Corporation at 7400
Gaylord Parkway, Frisco, TX 75034. To add a family member to your plan, please call
1-800-290-0523. For assistance using your plan, please call Member Services at 1-800-
290-0523.

THIS PLAN IS NOT INSURANCE. THIS IS NOT A MEDICARE PRESCRIPTION DRUG PLAN.*
This plan does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00. 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 this website. 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 program and its administrators have no liability for providing or guaranteeing service by providers or the quality of service rendered by providers. This program is not available in Montana and Vermont. *Medicare statement applies to MD residents when pharmacy discounts are part of program.