This discount card program is NOT insurance, not intended to replace insurance, and does not meet the minimum creditable coverage requirements under the Affordable Care Act or Massachusetts M.G.L. c. 111M and 956 CRM 5.00. It contains a 30 day cancellation period, provides discounts only at the offices of contracted health care providers, and each member is obligated to pay the discounted medical charges in full at the point of service. For a complete list of disclosures, please click here. | Terms and Conditions | Discount Medical Plan Organization: UBenefit. Attn: Compliance Department, PO Box 671309, Dallas, TX 75367-1309. Copyright © 2016 All rights reserved.