This is NOT INSURANCE and this program is not being sold to replace insurance. This plan provides discounts at certain health care providers for medical services. This plan does not make payments directly to the providers of medical services. All members are obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with medblue, LLC. This discount card program contains a 30-day cancellation period. Members shall receive a full refund of membership fees, excluding enrollment fee if membership is canceled 30 days from the EFFECTIVE DATE.