Terms & Conditions

Thank you for becoming a VIP Medical Plan Member. This document sets forth the understanding between you and terms of the Agreement with VIP Medical Plans; if you do not understand any of the terms of this Agreement, please contact VIP Medical Plans and we will be happy to answer any questions you may have.

This Membership Terms of Service Agreement(“Agreement”) is made between VIP Medical Plans, LLC (“VIP Medical Plans, “Company”, “we,” “our,” or “us”) and you (“Member,” “you,” or “your”). By enrolling in and using VIP Medical Plans membership, you agree to these terms.

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1. Definitions

• “Discount Medical Plan Organization” (DMPO):A licensed entity that provides access to medical and health-related service sat discounted rates through participating providers.
• “Discount plan” means a business arrangement or contract in which a person, in exchange for fees, dues, charges, or other consideration, provides access for plan members to providers of medical services and the right to receive medical services from those providers at a discount. The term does not include any product regulated under chapter 627 (insurance), chapter 641 (Health Maintenance Organization), or any other medical plan or any medical services provided through a telecommunications medium that does not offer a discount to the plan member for those medical services; or any plan that does not charge a fee to plan members.
• “Member.” An individual enrolled in VIP Medical Plans to receive discount medical services from health care providers contracted with VIP Medical Plans to provide health care services at discounted rates. Members are bound by this Agreement.
• “Participating Provider” Any healthcare professional, facility, pharmacy, or other health care provider contracted with VIP Medical Plans to offer discounted services to active Members.
• Membership Fees: Recurring monthly payments required to maintain active membership.
• Application Fee: A one-time, non-refundable fee charged at enrollment.

2. Nature of Services

VIP Medical Plans, LLC is a licensed DMPO in Florida providing access to discounted rates from Participating Providers. VIP Medical Plans is not insurance and does not reimburse or pay providers on behalf of Members. Members are solely responsible for payment of all services received, less applicable discounts.

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3.Membership Eligibility

Membership is available to individuals age 18 and older. By enrolling, you represent and warrant that all information provided is true, complete, and current. Membership is subject to eligibility verification and compliance with this Agreement.

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4.Membership Fees and Cancellation Policy

Application Fee: A one-time, non-refundable processing fee of $30.00 is charged upon enrollment in the plan.

Monthly Membership Fee: Membership fees are billed automatically each month on the same calendar date as the original enrollment date. All fees must be paid in U.S. dollars by a valid payment method approved by VIP Medical Plans.

VIP Medical Plans only accepts Application Fees and Monthly Membership Fees. Under no circumstances will VIP Medical Plans accept, collect, adjust or in any way be responsible for any Network Provider medical service payments.

a) Payment Authorization and Collection

• Automatic Payment Authorization. Member hereby authorizes VIP Medical Plans to charge Member's designated payment method on file for all monthly recurring fees and charges due under this Agreement. Member's payment authorization includes, but is not limited to:
  • ACH Authorization: Member authorizes Company to initiate electronic funds transfers (ACH debits) from Member's designated bank account for payment of monthly fees and any other charges due under this Agreement.
  • Credit Card Authorization: Member authorizes Company to charge Member's designated credit card, debit card, or other payment card on file for payment of monthly fees and any other charges due under this Agreement.
  • Payment Method Updates: Member authorizes VIP Medical Plans to update payment method information (including card expiration dates and account numbers) as provided by Member's financial institution or payment processor to ensure uninterrupted service.
• Payment Schedule. Monthly payments shall be automatically collected between the first and fifth day of each month as the initial payment date, or the next business day if such date falls on a weekend or holiday.
• Payment Method Requirements. Member agrees to maintain valid and current payment method information on file with VIP Medical Plans at all times during the term of this Agreement. Member shall promptly notify VIP Medical Plans of any changes to payment method information, including but not limited to account closures, card cancellations, or changes in billing address.
• Failed Payments. In the event an automatic payment is declined, rejected, or otherwise fails to process, Member remains liable for all outstanding amounts plus any applicable fees. VIP Medical Plans may attempt to reprocess failed payments and may suspend services until payment is received.
• Revocation of Authorization. Member may revoke this payment authorization at any time by providing thirty (30) days' written notice to VIP Medical Plans; provided, however, that revocation of payment authorization does not relieve Member of payment obligations under this Agreement and may result in service suspension or termination.
• Member Rights. Member has the right to stop payment of any automatic payment by contacting their financial institution at least three (3) business days before the scheduled payment date. Member may also contact VIP Medical Plans to dispute any unauthorized or incorrect charges within sixty (60) days of the charge date. Stopping payment on a one payment source does not relieve Member of the payment obligations under this Agreements.
• Scope of Authorization. Member authorizes VIP Medical Plans to automatically charge:
  • Regular monthly membership fees
  • Late fees and other charges as outlined in this Agreement
  • Any other amounts due under this Agreement

b) Cancellation and Refund Policy

1. Cancellation Within the First 30 Days

If a member cancels their membership within the first 30days of the effective date of enrollment, they shall receive full reimbursement of all periodic charges (i.e., monthly membership fees).

The $30 application fee is non-refundable, unless any portion exceeds the statutory limit of $30 per year.

2. Cancellation After 30 Days
If a member cancels their membership after the first 30 days, VIP Medical Plans will:

• Cancel the membership within 30 days of receiving the cancellation request.
• Cease all charges as of the effective cancellation date.
• Provide a pro rata reimbursement of monthly membership fees paid for any period after the cancellation date.
• No further fees will be charged after the effective date of cancellation.

3. Cancellation During an Open Enrollment Period
If a member cancels their membership during an employer or association-sponsored open enrollment period, they are entitled to a pro rata reimbursement of all periodic charges upon return of the discount card.

4. Cancellation by VIP Medical Plans
If VIP Medical Plans cancels a member’s plan for any reason other than non-payment, the member shall receive a pro rata reimbursement of all periodic charges for any remaining unused portion of the membership.

c) Auto-Renewal

• Membership automatically renews monthly until canceled by the Member. By enrolling, you authorize recurring monthly charges to your chosen payment method until cancellation.
• You may cancel membership at any time by providing notice to VIP Medical Plans by email at support@vipmedicalplans.com,via Member Portal, or by certified mail. Membership remains active through the current billing cycle after cancellation notice is received, then will be set to non-renew. No refunds are provided for the month in which cancellation occurs or for the non-refundable Application Fee.

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5. Active Membership Requirement

Only active, current Members are eligible for discounted rates from Participating Providers. Providers are not obligated to honor discounts for lapsed, in active, or canceled memberships. Participating Providers are prohibited from offering to provide service at a discounted rate to any patient other than a plan Member in active good standing.

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6. Provider Network and Member Obligations

• Members must present a valid VIP Medical Plans Membership ID Card via their mobile application when visiting participating providers.
• Members must verify provider participation via their mobile application before seeking services.
• Members agree to pay Participating Providers directly at the time of service, minus the applicable discount.
• Members should consult with VIP Medical Plans representatives or with the Participating Provider Registry on the VIP Medical Plans website/app before enrolling to determine the location and credentials of Participating Providers participating in your local area. VIP Medical Plans makes no guarantee regarding the availability of services or providers in any particular geographic area. Members are welcome to suggest or recommend care providers to VIP Medical Plans.

7. Member Responsibilities

• Members agree to pay all applicable fees promptly and maintain payment sources in the Member Portal.
• Members agree to provide accurate contact and billing information, updating it as necessary.
• Members agree to abide by this Agreement and applicable laws.
• Failure to comply may result in membership suspension or termination.

8. Grievance Procedures

VIP Medical Plans will attempt to resolve any complaint or grievance by Members. Members may submit grievances by email to support@vipmedicalplans.com, orby certified mail to the business address listed in this Agreement or a Member may initiate a grievance support ticket via their mobile application.

• Grievance should include the Member’s name, contact information, description of the issue, and relevant documentation.
• Any dispute between a Member and Participating Provider is solely between Member and Participating Provider. If a Member believes they have been improperly charged by any Participating Provider, Member may utilize the VIP Medical Plans grievance process to register a complaint which will be reviewed by VIP Medical Plans and acted upon in VIP Medical Plans’ sole discretion. However, VIP Medical Plans cannot collect, adjust or distribute any payments and any such resolution or payment shall remain solely between Member and Participating Provider.
• VIP Medical Plans will acknowledge grievances within five business days of notification and attempt to provide a written response within thirty calendar days. The schedule of any response is subject to administrative processes and investigation time and the dates may be adjusted on any grievance based upon an individual grievance.
• VIP Medical Plans provides no guarantee of a satisfactory conclusion of any grievance and no aspect including but not limited to any investigation, conclusion or documentation related to any grievance or the grievance process shall provide any grounds for a claim or cause of action.

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9. Privacy and Data Protection

VIP Medical Plans collects and protects personal data in compliance with applicable privacy laws and our Privacy Policy. Data may be shared with providers or vendors solely as necessary to administer the functions of the Discount Plan. VIP Medical Plans is not a covered entity under HIPAA or the rules under 45 CFR Parts 160 and 164 and/ or Florida Statutes and is therefore not subject to those rules and regulations. VIP Medical Plans is not a medical or financial records custodian with respect to any healthcare records or health care payments. Any and all questions or requests regarding health care records or payments are solely available from individual Participating Providers.

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10.Disclaimers

VIP Medical Plans is not a health care provider and is not an insurance company or plan. VIP Medical Plans has no relationship with any Participating Provider apart from contracting with those Participating Providers to provide services to Members at discounted rates. VIP Medical Plans is not responsible for credentialling or rating any Participating Provider nor does VIP Medical Plans maintain any data on health care outcomes. Members are solely responsible to research and choose their Participating Provider, continue or discontinue services or to consent to any treatment with a Participating Provider. Under Florida law, physicians are not required to carry malpractice insurance by complying otherwise with applicable law. VIP Medical Plans has no knowledge or information regarding any Participating Provider’s malpractice coverage or whether a Participating Provider carries malpractice coverage. VIP Medical Plans does not guarantee the quality of services provided by participating providers or the scheduling or cancellation policies of those providers.

Discounts and provider availability may change without notice. VIP Medical Plans shall not be liable for injuries, losses, or damages resulting from the acts or omissions of Participating Providers.

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11.Limitation of Liability

VIP Medical Plans’ liability under this Agreement shall not exceed the amount of Membership Fees paid by the Member during the preceding twelve months. VIP Medical Plans shall not be liable for indirect, consequential, punitive, or incidental damages.

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12. Dispute Resolution

VIP Medical Plans and Members shall first attempt to resolve disputes through good-faith negotiation. If unresolved, disputes shall be submitted to binding arbitration under the American Arbitration Association’s rules. Arbitration shall occur in Florida unless otherwise agreed. This Agreement waives class actions; disputes must be brought individually. Any arbitration decision shall be binding upon the Parties. If the member is unsatisfied with the resolution, they may request an internal appeal. Appeals are reviewed by a designated appeals committee, and a final decision is rendered within fifteen (15) calendar days of the appeal request. Florida residents should contact the Florida Department of Financial Services Division of Consumer Services if they are not satisfied with our resolution of their complaint. Their contact us webpage is athttps://www.myfloridacfo.com/Division/Consumers/contactus.htm.

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13.Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles.

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14.Assignment

VIP Medical Plans may assign this Agreement without notice or consent. Members may not assign rights or obligations under this Agreement without prior written consent.

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15.Severability

If any provision of this Agreement is deemed unlawful or unenforceable, that provision shall be severed, and the remaining terms shall remain in full force.

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16.Amendments

VIP Medical Plans reserves the right to amend this Agreement at any time. Material changes will be communicated via email or the Member Portal. Continued use of membership benefits after notice constitutes acceptance.

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17. Entire Agreement

This Agreement represents the entire understanding between the parties regarding membership and supersedes any prior oral or written agreements.

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18. SMS/Text Messaging Consent and Communication

By providing your mobile phone number and opting in, you consent to receive SMS/text messages from VIP Medical Plans, LLC related to your membership and health plan. These messages may include appointment reminders, benefit updates, renewal notices, customer support follow-ups, and other service-related communications.

Message and data rates may apply. Message frequency may vary depending on your interactions and plan activity.

You can opt out at any time by replying STOP to any text message. After opting out, you will no longer receive SMS messages unless youre-subscribe. You can reply HELP at any time for assistance or more information.

Consent to receive text messages is not required as a condition of membership or service. Your choice to opt in or out will not affect your access to care or benefits.

All SMS communications are governed by our Privacy Policy and Terms & Conditions.

For additional questions or support regarding SMS communications, contact us at (786) 530-7677 or email support@vipmedicalplans.com.

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19. Contact Information

VIP Medical Plans, LLC

Email: support@vipmedicalplans.com

2001 NW 107^TH AVE STE 450/403 Doral, FL 33172

(786) 530-7677

www.vipmedicalplans.com

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