MEDBLUE CANCELLATION, REFUND, BILLING AUTHORIZATION & DISPUTE RESOLUTION POLICY

Effective Date: January 1, 2024

Last Updated: March 15, 2025
Company: MedBlue, LLC
Business Classification: Discount Medical Plan Organization (DPO)
Jurisdiction: State of Florida

ARTICLE I

CORPORATE STATUS, REGULATORY FRAMEWORK, AND DISCLOSURES

1.1 Corporate Identity and Legal Status

MedBlue, LLC ("MedBlue," "Company," "we," "us," or "our") is a limited liability company duly organized and operating as a Discount Medical Plan Organization ("DPO") in accordance with Florida Statutes Chapter 636, as amended from time to time, and any other applicable federal, state, or local laws and regulations.

MedBlue is not an insurance company, does not issue insurance policies, does not underwrite or assume insurance risk, does not pay claims, and does not reimburse members for medical services. MedBlue does not replace health insurance and does not guarantee coverage, payment, or reimbursement for any medical service.

1.2 Nature of Services Provided

MedBlue provides access to a network of participating healthcare providers who have agreed, pursuant to independent contractual arrangements, to offer medical, dental, vision, prescription, diagnostic, and related healthcare services to MedBlue members at discounted rates. Members are solely responsible for payment to providers for services rendered, subject to the negotiated discounts.

1.3 Governing Nature of This Policy

This Cancellation, Refund, Billing Authorization & Dispute Resolution Policy (the "Policy") constitutes a binding contractual agreement between MedBlue and each enrolled member ("Member"). This Policy governs all matters relating to:

Billing and automatic payment

Cancellation rights

Refund eligibility and limitations

Dispute handling and chargebacks

Member acknowledgments and waivers

Enrollment in a MedBlue membership constitutes affirmative acceptance of this Policy.

ARTICLE II

MEMBERSHIP ACTIVATION AND IMMEDIATE ACCESS

2.1 Activation Upon Enrollment

Upon successful enrollment and receipt of initial payment, a MedBlue membership is activated immediately. Activation includes, without limitation:

Eligibility to receive discounted services

Activation of telehealth and virtual care services (where applicable)

Access to administrative support and hospital bill negotiation services

2.2 Administrative and Operational Costs

The Member acknowledges that MedBlue incurs non-recoverable administrative, operational, compliance, licensing, technology, and third-party costs at the time of enrollment, regardless of whether the Member subsequently uses the benefits.

Accordingly, membership fees are not held in escrow and are not contingent upon utilization.

ARTICLE III

BILLING STRUCTURE AND AUTOMATIC PAYMENT AUTHORIZATION

3.1 Authorization to Charge

By enrolling in a MedBlue membership, the Member expressly authorizes MedBlue to initiate charges to the payment method provided at enrollment, including but not limited to:

Debit card

ACH bank account

Any other approved electronic payment method

This authorization applies to initial, recurring, renewal, and applicable administrative charges, and remains in effect until the membership is properly canceled pursuant to this Policy.

3.2 Recurring Billing Consent

The Member acknowledges and agrees that MedBlue memberships are billed on a recurring basis, either monthly or annually depending on the plan selected, and that:

MedBlue is not required to provide advance billing reminders

The burden of cancellation rests solely with the Member

3.3 Accuracy of Payment Information

The Member represents and warrants that all payment information provided is accurate and authorized for use. MedBlue is not responsible for declined transactions resulting from insufficient funds, expired credentials, or banking restrictions.

ARTICLE IV

THIRD-PARTY ENROLLMENT AND AGENCY AUTHORIZATION

4.1 Enrollment by Authorized Representative

In certain circumstances, enrollment may be completed by a licensed insurance agent, broker, enrollment specialist, employer representative, or other authorized third party ("Authorized Representative") acting on behalf of the Member.

4.2 Member Authorization

By permitting enrollment through an Authorized Representative, the Member:

Authorizes the representative to provide consent on the Member's behalf

Acknowledges that enrollment completed by the representative is binding

4.3 Reliance by MedBlue

MedBlue is entitled to rely, without independent verification, on the representations, authorizations, and confirmations provided by the Authorized Representative. Any dispute between the Member and the representative does not invalidate enrollment or billing.

ARTICLE V

CANCELLATION RIGHTS AND PROCEDURES

5.1 Right to Cancel

The Member may cancel their MedBlue membership at any time by submitting a cancellation request through MedBlue's designated channels.

5.2 Effective Date of Cancellation

Cancellation becomes effective at the conclusion of the current billing period. Access to benefits remains available through the end of the paid term.

5.3 No Retroactive Cancellations

MedBlue does not permit retroactive cancellations. Failure to cancel prior to a billing date does not relieve the Member of responsibility for charges incurred.

ARTICLE VI

REFUND POLICY - GENERAL PRINCIPLES

6.1 Limited and Conditional Nature of Refunds

Refunds are not guaranteed and are offered only under limited circumstances consistent with Florida DPO regulations and this Policy. The issuance of a refund is a discretionary administrative determination by MedBlue.

6.2 Thirty-Day Initial Period

Subject to compliance with all requirements herein, a Member may request a refund within thirty (30) days of initial enrollment.

ARTICLE VII

MANDATORY WRITTEN REFUND REQUEST REQUIREMENT

7.1 Exclusive Method of Request

Refund requests will only be considered if submitted in writing via email.

7.2 Email Authentication Requirement

The refund request must be sent from the Member's MedBlue email address on file.

7.3 Designated Email Address

Refund requests must be sent exclusively to:

Requests sent to any other address, platform, or individual are deemed invalid.

7.4 Required Contents

The request must clearly include:

Account email address

Enrollment date

Explicit request for refund

Reason for request

7.5 Confirmation of Receipt

A refund request is not deemed received unless MedBlue issues written acknowledgment.

ARTICLE VIII

NON-REFUNDABLE CIRCUMSTANCES

Refunds shall not be issued for, including but not limited to:

Failure to comply with Article VII

Partial billing cycles

Utilization or access of benefits

Provider dissatisfaction

Misunderstanding of plan terms

Claims that MedBlue functions as insurance

All fees are deemed earned upon billing.

ARTICLE IX

DISPUTE RESOLUTION AND CHARGEBACKS

9.1 Agreement to Direct Resolution

The Member agrees to first contact MedBlue directly regarding billing concerns and to follow this Policy prior to initiating any dispute with a financial institution.

9.2 Chargebacks

If a Member initiates a chargeback:

Refund eligibility may be forfeited

MedBlue may submit this Policy and supporting records as evidence

9.3 Waiver of Disputes (To the Fullest Extent Permitted by Law)

The Member agrees, to the maximum extent permitted by law, to refrain from initiating chargebacks in lieu of the procedures outlined herein.

ARTICLE X

LIMITATION OF LIABILITY

To the fullest extent permitted by law, MedBlue shall not be liable for:

Medical outcomes

Pricing variations

Network availability

ARTICLE XI

GOVERNING LAW AND SEVERABILITY

This Policy shall be governed by the laws of the State of Florida. If any provision is deemed unenforceable, the remaining provisions shall remain in full force and effect.

ARTICLE XII

ACKNOWLEDGMENT AND ACCEPTANCE

By enrolling, the Member affirms that they:

Authorize automatic billing

Accept limited refund rights

Agree to written-only refund requests

Accept this Policy as binding