Disclosures

This plan is NOT insurance. This plan provides discounts at certain healthcare providers for medical services. This plan does not make payments directly to the providers of medical services. The plan member is obligated to pay for all healthcare services but will receive a discount from those healthcare providers who have contracted with the discount plan organization.

Discount Medical Plan Organization: New Benefits, Ltd. 14240 Proton Rd. Dallas, TX 52444. 1-800-800-7616.

This discount card program contains a 30 day cancellation period. AR and TN Residents: receive a full refund if membership is cancelled within the first 30 days. MD, ND, OK, SC, TX and SD residents: Member shall receive a full refund of membership fees, excluding registration fee, if membership is cancelled within the first 30 days after receipt of membership materials. All other members receive a refund of all fees excluding the $25 Application fee. The discount medical card program makes available, before purchase and upon request, a list of program providers, including the name, city, state, and specialty of each program provider located in the cardholder's service area.

Internet website address to obtain participating providers, www.locateproviders.com. The range of discounts for medical or ancillary services provided under the plan will vary depending on the type of provider and medical or ancillary service received.

Aetna Dental Access® Disclosures

Dental benefit is not available to VT residents.

*Actual costs and savings vary by provider and geographical area.

**According to the Aetna Enterprise Provider Database as of November 1, 2006.