Patient Terms of Agreement

1. As  a  member  of  Preferred  Chiropractic  Doctor,  Inc.  (PCD),  you  are  a  participant  in  a  Discount  Medical  Program  referred  hereafter  as  the  (DMP)  provided  by  Access  One  Consumer  Health,  Inc.  Below  are  the  terms and conditions of your membership in the DMP.
2. This  Member  Participation Agreement  is  effective  as  of  the  date  you  receive  your  identification  card  and  shall  continue  for  one  year  as stated in your online enrollment, or until the DMP has been notified of your  cancellation. After  your  enrollment  is  completed  online,  you  will  receive an email with your membership ID information.
3. The  annual  charge  and  mode  of  payment  for  participation  in  the  DMP  is  chosen  during  your  online  enrollment.  If  you  need  to  change  your  payment  mode,  please  contact  the  member  services  number  on  your  identification card. All payments will be processed online. If a payment is mailed in, it will be processed online through the website’s admin portal and the paper form destroyed.
4. DISCLOSURES: a) This plan is a discount plan NOT a health insurance  policy. b) This  plan  provides  discounts  at  certain  health  care  providers  for  medical  services. c) This  plan  does not make payments directly to the providers of medical services. d) The plan member is 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. e) The  DMPO  does  make  available  an  up-to-date  list  of  all  program  providers,  which  includes  their  name,  city,  state,  and  medical  specialty  prior  to  purchase,  upon  request. f) That  the  range  of  discounts  for  medical  services provided under the plan will vary depending on the type  of  provider  and  the  medical  services  received. g) The  corporate  name  and  the  location  of  the  licensed  discount  medical plan organization is: Access One Consumer Health, Inc.,  84  Villa  Road,  Greenville,  SC  29615;  (800)  896-1962;  www.accessonedmpo.com.
5. You  may  find  a  list  of  participating  providers  at  www.BeWell2.com,  or you  may  call  PCD  at  (800)  239-3552.  You  will  be  able  to  access  DMP  discounts at participating providers of each participating network.
6. This DMP includes discounts for chiropractic care. The included Benefit Description(s) for chiropractic discounts: a) Participants receive a minimum reduction of 25% on services including exams,  adjustments,  x-rays,  and  therapies  rendered  by  participating  providers.  Providers  may  elect  to  offer  reduction  for  other  services  and  supplies such as nutritional items and orthopedic devices. b) Unless there is an agreement between you and your provider, discounts are only available when payment is made when services are rendered. c)  Discounts  are  not  applicable  in  conjunction  with  any  third-party  payment  entity,  or  any  federal  or  state  health  insurance  programs  including Workers’ Compensation. The Benefit Description(s) becomes part of this Member Participation Agreement.
7. You will be billed at the time of service by the participating provider who will apply the applicable discounts to that bill. In no instance can the DMP make payments directly to the provider on your behalf.
8. Your  participation  in  the  DMP  will  continue  annually  as  stated  in  your  enrollment  upon  payment  of  your  annual  fee  and  shall  cease  upon  (a)  your  failure  to  make  the  annual  payment;  or  (b)  notification  in  writing (USPS, email, or facsimile) of your desire to cancel.
9. You have the right to cancel participation in the program at any time. If you do so within the first 30 days of receipt of your membership materials, you will receive a full refund of all fees paid to participate in the DMP. After 30 days, no refunds will be given. In the event your provider drops the PCD plan but remains in practice in or near the current location, your provider will  continue  to  honor  your  PCD  membership  until  your  plan  expiration  date. However, if your provider ceases to do business in your area, PCD can  furnish  you  with  the  name  of  the  nearest  active  PCD  provider;  or  you  may  choose  to  use  the  Doctor  Locator  on  PCD’s  website  to  select  another PCD provider of your choice.
10. The  DMP  may  terminate  your  participation  in  the  program  if  you  fail  to  make your membership payment when due.
11. You  may  contact  PCD  for  notice  of  change  in  name  or  address  on  our  website  at  www.BeWell2.com  and  personally  update  your  membership information online, email pcd@BeWell2.com, or call (800) 239-3552.
12. This  program  includes  all  members  of  your  household  (i.e.,  you,  your  spouse, and legal dependents up to age 26). You may add dependents or  additional  members  of  your  household  by  updating  your  online  PCD  membership information or by calling (800) 239-3552.  
13. If  you  have  a  complaint  regarding  the  DMP,  you  may  go  to  www.accessonedmpo.com  or  call  (800)  896-1962.  You  may  also  write  to  Access  One  Consumer Health, Inc., 84 Villa Road, Greenville, SC 29615. The complaint will be addressed, and you will receive a response within 15 days. If you are dissatisfied with the result, you may contact your state insurance department.
14. This  Member  Participation  Agreement  includes  an  arbitration  provision,  a  waiver  of  jury  trial,  and  a  prohibition  on  participation  in  class  actions.  These  provisions  can  be  found  in  the Addendum  on  our  website  at  www.accessonedmpo.com/member-agreement-addendum/ and are incorporated herein by reference and made a part of this Member Participation Agreement to the same extent and with the same force as if fully set forth herein.
15. This Agreement  and  its  Benefit  Descriptions  along  with  the Addendum represent the entire agreement between you and the DMP and supersede all other prior representations, statements, or written agreements between  you  and  the  DMP.  The  DMP  has  no  liability  for  providing  nor  guaranteeing service or any liability for the quality of services rendered.

Individual State Disclaimers:

Arkansas  Residents You  may  cancel  your  membership  with  the  discount  medical  plan  organization  within  the  first  thirty  (30)  days  from  receipt  of  your  ID  card  and receive  a  full  refund  of  all  fees  or  dues  paid.  Illinois  Residents  If  you  are  not  satisfied with your resolution of your complaint, you may contact Illinois Department of  Insurance.  Louisiana  Residents  If  after  receiving  our  response  and  you  are  not satisfied with the resolution, you may write or call the Louisiana Department of Insurance. You have the right to cancel participation in the program at any time. If a member  cancels  his  membership  in  the  discount  medical  plan  organization  within the  first  thirty  days  after  the  date  of  receipt  of  the  written  document  for  a  discount medical plan, the member shall receive a reimbursement of all periodic charges and the amount of any one-time processing fee that exceeds thirty dollars upon return of the discount medical plan card to the discount medical plan organization. Maryland Residents  “Discounts  for  hospital  services,  if  any,  are  not  applicable  in  Maryland.”  Massachusetts Residents The plan is not insurance coverage and does not meet the  minimum  creditable  coverage  requirements  under  the  Affordable  Care  Act  or  Massachusetts M.G.L. c. 111M and 956 CMR 5.00. Nebraska Residents If you have cancelled  at  any  time  after  the  thirty  (30)  day  period,  and  you  have  pre-paid  any  membership  fees,  the  prepayment  will  be  refunded  on  a  pro-rata  basis  for  months  you  have  not  used.  South  Carolina  Residents You  may  cancel  your  membership  with the discount medical plan organization within the first thirty (30) days from receipt of your ID card and receive a full refund on any fees or dues paid, less the one-time processing  fee.  Tennessee  Residents  You  may  cancel  your  membership  with  the  discount  medical  plan  organization  within  the  first  thirty  (30)  days  from  receipt  of your  ID  card  and  receive  a  full  refund  of  all  fees  or  dues  paid.  Texas  Residents The  DMP  will  cease  collecting  membership  fees  in  a  reasonable  amount  of  time,  but no later than (30) days after receiving a valid cancellation notice. If you are not satisfied with your resolution of your complaint, you may contact your state insurance department.  Utah  Residents These  programs  are  not  covered  by  the  Utah  Health  Insurance Guarantee Act. West Virginia Residents If after receiving our response and you are not satisfied with the resolution, you may write or call the West Virginia Insurance Commissioner.

This DMP is not available in the following states: MT, RI, and WA