Usage Agreement

Initial notice

Thank you for visiting our Website. This site is owned and operated by Please read carefully the following legal agreement before using this Web site. By using this Web site, you signify your assent to these terms of use. If you do not agree to these terms of use, please disconnect from and do not use this Web site. reserves the right to change this agreement at any time by revising the terms and conditions herein. User is responsible for regularly reviewing these terms and conditions. Continued use of this Web site following any such changes shall constitute the User's acceptance of such changes.

Permitted Use

You ("you" or the "User") have a nonexclusive, nontransferable, limited and revocable right to use the Web site solely for your personal educational and informational use, subject to the terms and restrictions herein contained. User will not use the Web Site for any other purpose, including any commercial purpose, without the Company's express prior written consent. User agrees to cooperate with in causing any unauthorized use to immediately cease.

List of Restrictions

Neither the web site nor any element thereof, including, without limitation, text, graphics, images or other materials, may be copied, repurposed, uploaded, posted, transmitted or redistributed. However, you may download one copy of such materials to your individual computer solely for your personal, non-commercial use only, provided that all copyright and other proprietary notices appearing on such materials are strictly preserved without any alteration, modification or obfuscation. You may not modify or prepare derivative works based upon the Web site, or any element thereof, and you may not redistribute, sell, decompile, reverse engineer, disassemble or otherwise attempt to access the source code to any software downloaded from the Web site. It is a condition of your use of this Web site that you do not restrict or inhibit any other user from using this Website.

Reservation of Rights

All rights, titles and interests in and to this Web site are owned by All trademarks, service marks and trade names are also proprietary to None of the items mentioned herein may be used without the express written consent of All rights are reserved by

Warranty Disclaimer

The web site and all elements thereof are provided on an "as is" basis without warranty of any kind, express or implied. makes no warranties or representations as to the accuracy of the content contained on the web site. does not warrant that the web site will operate or perform in a manner that is uninterrupted or error-free, or that the web site or host server will be maintained free of viruses or other harmful code. makes no warranties that the information presented on the web site is current, up-to-date or accurate. some states and jurisdictions do not allow limitations on implied warranties, so the above limitation may not apply to you. The foregoing shall be enforceable to the maximum extent permitted by applicable law.

Liability Limitation

Under no circumstances and regardless of legal theory, whether in tort, contract or otherwise, will or any of its related or affiliated companies be liable to you or any other party for any direct, indirect, special, incidental, reliance, punitive or consequential damages, however caused, and regardless of character, including, without limitation, any damages relating to lost data, computer failure or malfunctioning, or otherwise. You specifically acknowledge and agree that is not liable for any defamatory, offensive or illegal conduct of user. The foregoing shall be enforceable to the maximum extent permitted by applicable law. You agree to this allocation of risk in relation to your use of the web site. If you disagree with any of the terms and conditions of this web site usage agreement, your sole and exclusive remedy is to discontinue using this site.

Links to Third Party Web Sites may have provided links and pointers to Internet sites maintained by third parties ("third party sites") and may from time to time provide third party materials on this site. These sites are independently owned and operated by third parties, who have their own privacy practices. The third party materials in this site and the third party sites are provided "as is" and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable law, disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness. does not warrant or make any representations regarding the use or the results of the use of the third party materials in the third party sites in terms of their correctness, accuracy, timeliness, reliability or otherwise.

Children's Information

Although parents are free to use this Web site on behalf of their children, does not direct this site to children or knowingly collect personal information from children.

Contact Us

We are sincerely committed to protecting your personal privacy. While information is the cornerstone of our ability to provide superior service, our most important asset is our members' trust. Keeping member information secure is a top priority for

Usage Agreement Changes

This Usage Agreement is effective July 15, 2014. may change this Usage Agreement at any time without notice. If makes revisions or changes to the Agreement, the changes will be contained in the Usage Agreement and the effective date will be noted, so please check this Agreement periodically.


Except as described otherwise, all materials in the site are made available only to provide information about operates this site from its headquarters in the United States of America and makes no representation that these materials are appropriate or available for use in other locations. If you use this site from other locations, you are responsible for compliance with applicable local laws.

General Terms and Conditions

This Agreement shall be deemed to include all other notices, policies, disclaimers and other terms contained in this Web site; provided, however, that in the event of a conflict between such other terms and the terms of this Agreement, the terms of this Agreement shall control.

This Agreement shall be deemed to have been made in the U.S.A. and shall be interpreted, and the rights and liabilities of the parties hereto determined in accordance with the laws of the U.S.A. without regard to conflicts of law principles. The parties consent to the exclusive jurisdiction of the state and federal courts for the U.S.A. for the determination of any claim or controversy between the parties and arising out of or relating to this Agreement. Both parties hereby consent to the jurisdiction of the United States courts and waive any objections as to personal jurisdiction or as to the laying of venue in such courts due to inconvenient forum or any other basis.'s performance of this Agreement is subject to existing laws and legal process and nothing contained in this Agreement is in derogation of's right to comply with law enforcement requests or requirements relating to the User's use of this Website or information provided to or gathered by with respect to such use.

If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law, including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall continue in effect.

This Agreement constitutes the entire agreement between the User and with respect to this Web site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the User and with respect to this Website. A printed version of this Agreement and of any notice given in electronic form will be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.


As a condition of use of this Website, the User agrees to indemnify, its affiliates, and the directors and employees of any of them against and from and against any and all claims, demands, judgments, costs, liabilities, expenses (including attorneys' fees) and damages arising out of legal claims resulting from User's use of this Website, including, without limitation, any claims alleging facts that if true would constitute a breach by User of these terms and conditions.

Fraud and Abuse

Health care fraud and abuse is a national problem that affects all of us either directly or indirectly. National estimates project that billions of dollars are lost to health care fraud and abuse on an annual basis. These losses lead to increased health care costs and potential increased costs for coverage.

While believes that most providers, members, groups, and brokers are honest, there are a small number of people who try to take advantage of and our members by engaging in health care fraud and abuse. There are numerous unofficial drug card programs and websites. is a legitimate administrator for drug cards and value added benefit programs and reports any imposters.