Plan Notes and Disclosures: 
                          Disclosures:  
                            1. THIS PLAN IS NOT INSURANCE. THIS IS NOT A  MEDICARE PRESCRIPTION DRUG PLAN.*  
2. The plan provides  discounts at certain health care providers for medical services.  
3. The plan does not make  payments directly to the providers of medical services.  
4. Plan members are  obligated to pay for all health care services but will receive a discount from  those health care providers who have contracted with the discount medical plan  organization.  
5. Discount Medical Plan  Organization and administrator: Careington International Corporation, 7400  Gaylord Parkway, Frisco, TX 75034; phone 800-441-0380.  
                          The program and its administrators  have no liability for providing or guaranteeing service by providers or the  quality of service rendered by providers.  
                          *Medicare statement applies  to MD residents when pharmacy discounts are part of program.  
                          This program is not  available in Vermont and Montana.  
                          You are entitled to choose  any participating dentist on the Careington Care 500 Series Program.   Dental offices are located throughout the  United States. The dental provider listings  are provided directly from each dental network or dental  plan, who are responsible for its accuracy and completeness. These listings are  updated on a regular basis, and every effort has been made to ensure that only  participating active providers are listed. Careington can not guarantee the  continued participation of any dentist. If the dentist leaves the plan, you  will need to select another participating Careington provider. Not all types of  dentists may be available in your area. We strongly recommend that you confirm  that a provider is currently participating before you receive any services from  that provider. Please see Member's Agreement for more details. 
                      This plan is based  geographically by ZIP code in terms of provider participating and location. Fee  schedules and savings may vary by ZIP code and by Provider within a ZIP code. 
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