This is NOT INSURANCE and this program is not being sold to replace insurance. This plan attempts to provide health care at a more affordable price. This plan makes payments directly to the provider of the medical services. All members are obligated to pay for a membership health care plan and will receive a discount from those health care services not covered by the main plan. This plan is a month to month plan, medical benefits will last until member cancels plan and the month of cancelation finishes. Members will be covered for the month they paid for. For more information please read our refund policy and other important documents.