The Health Depot Association (“HD”) is an Arizona not-for-profit membership association created with the intent to expand access to affordable health and consumer benefits to the people who need these products most. We are also dedicated to empowering our members with valuable resources, information and support to guide them in making their personal and professional lives easier and more fulfilling.
Our administrator and valued business partner, Premier Health Solutions, LLC (“PHS”) is a Texas-based third party administrator (“TPA”) that provides comprehensive benefits administration, management services and TPA services to agents, associations and carriers nationwide. The licensed third-party call center agents who contract with PHS sell various insurance and non-insurance products to consumers (“Members”) throughout the United States. PHS also bills, collects and remits insurance premium on behalf of HD and our carrier partners.
Almost all Member enrollments are conducted telephonically and include either a recorded verification script or an e-sign authorization form, which is required with each enrollment. The purpose of the recorded verification call or e-sign authorization form is to ensure that the Individual understands, among other things, what membership(s), product(s) or plan(s) they are enrolling in, what is included with that membership, product or plan, how much they are paying at the initial time of enrollment, how much they will pay monthly thereafter, and that all subsequent monthly payments will be automatically drafted from the credit or banking account provided by the Individual.
Each Member agrees that they are signing up for benefits or services that include an automatic payment plan. Each Member expressly authorizes PHS to automatically debit their bank account or Credit Card on the payment due date provided to collect any and all fees for their membership. Each Member acknowledges and agrees upon the membership effective date and the initial payment amount (this is comprised of the first month’s membership dues plus a one-time HD membership enrollment processing fee, which may or may not be non-refundable, depending on the membership level selected). Each Member also acknowledges and agrees that their monthly dues will be automatically charged or drafted every month from the credit card, debit card or bank account they provide to us. Further, each Member attests that they are the holder of the credit card, debit card or bank account provided to us for payment of the membership(s) or product(s) purchased.
Each Member may cancel automatic payments at any time by calling Customer Service at (214) 436-8882. Each Member understands that when they cancel their automatic payments, all memberships they are enrolled in will also be cancelled.
If a Member is not satisfied with their membership, they may cancel within ten (10) to thirty (30) days from their membership’s effective date and they may be eligible to receive a full refund on the monthly membership dues collected for that month. Please review your member materials or call Customer Service at (214) 436-8882 to confirm the cancellation notification period required. All cancellations must be directed to Customer Service. Cancellations are processed Monday through Friday from 7 a.m. to 7 p.m. Central Time. If a cancellation request is received on or after the recurring billing date and the payment has been drafted, the membership, product or plan will terminate prior to the next billing date and the Individual will have access to their membership through the next month. Each Member acknowledges and understands that the one-time enrollment fee may be non-refundable. The billing department will aggressively rebut and dispute any cancellation attempts made by Individuals via a “friendly” fraud chargeback, or similar—especially if there is no documentation in the Member’s record of an effort made by the Member to resolve the issue by first contacting Customer Service.
By submitting a claim to the applicable vendor or carrier during the first ten (10) to thirty (30) days (time limit is dependent upon membership[s] and product[s] purchased) under any of the insurance or non-insurance plans included with the HD membership, each Member acknowledges and agrees that such a submission constitutes acceptance of the membership, the products, and their terms, and that submission of such a claim constitutes a waiver of any and all refund rights, including those noted in the foregoing paragraphs.
Each Member acknowledges and agrees that some of the benefits purchased may have pre-existing condition limitations and also may not be considered "minimum essential coverage" under the federal Affordable Care Act. Only certain major medical products are compliant with the Affordable Care Act. It is the Member’s responsibility to read their materials and certificates thoroughly to ensure a comprehensive understanding of the membership(s), product(s) or plan(s) purchased. Call Customer Service at (214) 436-8882 if there are any questions.
Each Member understands and agrees that the insurance agent or broker, if any, who assisted or is assisting the Member with any insurance application, is a representative of the Member. If an application acknowledgment is signed by a representative of the Member, the signatory represents his/her capacity to so act.
If applicable, each Member acknowledges and agrees that if there is any discrepancy between what they thought the selling Agent told them about the membership(s) or product(s) purchased and what the actual member materials or policy states, the member materials and policy terms govern. EACH MEMBER IS STRONGLY ENCOURAGED AND ADVISED TO READ ALL MEMBERSHIP, AND, IF APPLICABLE, POLICY MATERIALS CAREFULLY AND TO GO OVER ANY QUESTIONS OR CONCERNS WITH THEIR AGENT, A FAMILY MEMBER, OR A TRUSTED INDIVIDUAL WHO MAY BETTER UNDERSTAND SUCH MEMBERSHIP AND POLICY MATERIALS.
By enrolling in the HD membership(s), product(s) or plan(s), each Member agrees to receive their materials and policy information via email, in addition to important notifications regarding their membership or plan, as applicable. Individuals also agree that PHS may on occasion send text messages to better communicate important information related to my selected program(s). PHS will not send text messages to solicit additional business and will not share Individuals information with other organizations. Message and data rates may apply depending on each Individual’s mobile service plan. Individuals may opt out of receiving text messages at any time.
Each Member acknowledges and agrees that they will receive a “welcome” email within 24 hours of their membership(s) or product(s) enrollment, which will include the membership or product information purchased. Members may have the ability to download all materials, including ID cards, and depending on the membership(s) or product(s) purchased, may also receive official cards in the mail. It is each Member’s responsibility to thoroughly review all materials furnished, whether it be via email, regular mail or other means. Questions can be directed to Customer Service at (214) 436-8882.
NOTICE OF VOICE CONSENT AND CONSENT TO ELECTRONIC TRANSACTIONS, SIGNATURES AND DOCUMENTS
Each Member consents and agrees that their voice consent shall serve as their signature. Each Member agrees they will be fully responsible for reviewing their application carefully to ensure their full understanding of all provisions of the membership, product or plan coverage, as applicable.
Each Member consents and agrees to the use of electronic signatures of documents (collectively, with the foregoing paragraph, the “Authorization”). I understand and agree that an electronic or typed signature has the same legal effect and can be enforced in the same way as a written or manual signature. I agree that, by using this website and by purchasing any HD membership(s) or product(s), my agreement or consent to do, either by voice or electronic means, shall be legally binding and enforceable.
Each Member agrees that this Authorization may be terminated by the Member or the Company at any time and for any reason by providing written notice of such termination to the nonterminating party and may be terminated by the Company immediately if any debit is not honored by the depository named for any reason. Each Member further understands and agrees that neither HD, nor PHS shall incur no liability if the credit card company or banking institution dishonors any amount charged under this Authorization and may terminate this Authorization immediately if any charges are not paid. Each Member agrees to hold both HD and PHS harmless against any liability pursuant to this Authorization.
For a copy of our Notice of Privacy Practices, click here.