DISCLAIMER

Access to and use of this website is subject to the following terms, conditions and notices.  By using the website, you are agreeing to all of these terms, conditions and notices, without modification.  You may not modify, reformat, copy, display, distribute, transmit, publish, license, create derivative works from transfer or sell any information, products or services obtained from this website, except as permitted by these Terms of Use or under applicable laws.  In no event shall CARExpress or any of its affiliates be liable for any damages whatsoever, including but not limited to any direct, indirect, special, consequential, punitive or incidental damages, or damages for loss of use, profits, data or other intangibles or the cost of procurement of substitute goods and services, arising out of or related to the use, inability to use, unauthorized use, performance or non-performance of this website, even if CARExpress has been advised previously of the possibility of such damages and whether such damages arise in contract, negligence, tort, under statute, in equity at law or otherwise.  All contents of this website are:  Copyright 2005 CARExpress.  All rights reserved.  CARExpress’ logo, trademarks and other marks that appear throughout this website belong to CARExpress and are protected by U.S. and international trademark laws.  You are prohibited from using any of the marks appearing throughout this website without express written consent from the respective trademark owner except as permitted by applicable laws.

CARExpress is a discount membership program.  It is NOT insurance.  Prices and provider availability are subject to change without prior notice.  CARExpress is a service of National Health Partners, Inc.  No portion of any provider’s fees will be reimbursed or otherwise paid by National Health Partners.  Additionally, National Health Partners does not guarantee, nor are they responsible for, the quality of care or products from any provider.  In the event that any benefit is deemed unsatisfactory to the member, the member must look solely to the provider of the benefit for rectification.  National Health Partners does not give any warranty for any benefits or services obtained.  However, it does provide a satisfaction guarantee for the protection of its members.

HIPPA Privacy Disclosure

National Health Partners (dba CARExpress Medical Benefits Network) Privacy Policy

National Health Partners, Inc. recognizes that our customers' privacy is important, and that our customers have the right to know how we treat the information provided to us. If members or group accounts have any questions about privacy that this policy does not answer, please contact This e-mail address is being protected from spambots. You need JavaScript enabled to view it

Information About Members/Customers That CARExpress Gathers Or Tracks And What We Do With It

We do not gather or track any health information about customers unless the customer tells us to. We ask for general contact information (customer's name, address,date of birth, e-mail address, telephone number, dependents name and date of birth) when a member enrolls. We also ask members to send us periodic input on new products and services if they choose to participate in one of our feedback surveys.

Member enrolment information is uploaded to the national provider networks when necessary to allow providers to verify a member's participation in CARExpress.

If you are a provider who wishes to apply to one of our CARExpress networks, we also ask for your specialty and the hospitals where you admit patients. When you contact us with a question regarding a particular service we offer, we might pass your question on to one of our regional representatives for that service, so the representative can contact you on behalf of CARExpress.

When a member participates in one of our feedback surveys, we may keep all or part of the responses in our database for our quality improvement activities. If a member nominates a provider for participation in our network, we ask for the employer's name or the name of our client with whom the member has health coverage; however, this information is voluntary.

If a member nominates a new provider, we might provide information about your nomination to the provider if it might help the provider to participate.

No Personal Health Information Collected

Although CARExpress proveides access to networks throughout the U.S., many of which involve personal health information, CARExpress does not itself collect or store diagnostic, treatment, or any other medical information about patient transactions or claims. Because we do not conduct those services through our company, but instead contract with fully licensed PPO providers to provide professional services to our customers, the strong confidentiality protections we have in place for those services are not reflected in this Privacy Policy. We collect no personal health information through CARExpress.

We Do Not Use "Cookies" To Collect Information About You

We do not contract with any of the Internet marketing or tracking companies that use "cookies" (small text files that can be attached to a member's computer when a member is online), and we do not use cookies ourselves. If another web site that a member visits has attached a cookie to the member's computer before the member visits our site, we cannot prevent that cookie from continuing to track the member's Internet use while the member visits our site.

Sharing of Information

Except as described above, we do not share member or client information with anyone.

Opt-Out Policy

We do not gather information about a member unless a member provides it to us voluntarily. Whenever we ask for information about a member or prospective member, the individual always has the option to withhold that information.

Correction/Updating/Deletion/Deactivation Policy

Any member may view and update or request that we delete or deactivate the member's contact information in our web site database in the following ways:

1. by using the contact us connection to tell us of your requested change;

2. by reviewing and changing your information when we send a survey form or a news release

Third Party Disclaimer

This Privacy Policy does not apply to any other web site you go to from this site, including those to which we have provided links for your convenience. If you are concerned about or interested in the privacy practices or policies of other web sites you visit, you may wish to review their posted privacy statements and/or contact them directly with your questions.

TERMS AND CONDITIONS

CARExpress Member Terms and Conditions

1. Member understands that CARExpress is NOT an insurance program. No payments to medical providers or members will be made by CARExpress.
2. CARExpress provides savings to its members on health services through a number of medical networks.In order to access these networks and the related discounts, member or member’s dependents must be a member in good standing, meaning their current membership status is active and their CARExpress membership payment is current. Payments on all medical bills are due and payable at the time of service.Member is required to pay the entire amount of the discounted rate. The member has no out-of-network benefits and must use a contracted provider in order to receive any savings.The range of discounts for medical or ancillary services provided under the program will vary depending on the type of provider and medical or ancillary service received.
3. Neither CARExpress nor any of its affiliates, nor any network accessed shall be liable for any payment to a provider accessed under the CARExpress program, or any refusal of participating providers to accept the network rates offered under this program.  CARExpress savings, its affiliates or any network accessed is not an insurer, guarantor or underwriter of the responsibility or liability of Member for Member’s or Member’s dependent’s medical care or any other goods or services provided to Member or Member’s dependents.
4. The providers listed in the CARExpress on-line directory are subject to change without notice.Member may visit us on-line at www.carexpresshealth.com or call the provider referral line at 1-866-635-9532 for current provider information.
5. Participating medical providers are independent contractors and, CARExpress and its affiliates and its contracted networks are not responsible for health care provided or the omission of the provision of health care by any provider.CARExpress does not practice medicine or in any manner interfere with or participate in the provider-patient relationship.All health care decisions are between the patient and a provider.The selection of a provider is the obligation and decision of the patient and is not based upon the credentialing or any recommendation by CARExpress, its affiliates or its contracted networks.
6. Termination:CARExpress reserves the right to terminate any member for failure to pay a medical provider accessed under the CARExpress medical savings program under the terms provided.CARExpress may also terminate any member for failure to pay their monthly or annual membership fee when due and payable.If a member fails to make payment upon the second day after the CARExpress membership fee is due and payable, member can be moved to inactive status until such payment is received and brings their CARExpress membership current.If CARExpress terminates a member for any reason other than non-payment of fees by the member, CARExpress will make a prorated reimbursement of all periodic charges to the member.
7. Cancellation: Members may cancel their membership within 30 days after joining a CARExpress program and receive a refund of all membership fees paid to CARExpress and money paid as a nominal one-time enrollment fee that exceeds $30.  Members will not receive a refund of any money paid by the member to a provider for health care services or products received. Thereafter, members may cancel their CARExpress program at any time by providing written notice to CARExpress and returning their membership cards, and CARExpress will cease collecting membership fees in a reasonable amount of time, but no later than 30 days after receiving a valid cancellation notice.
8. Entire Agreement:All provisions under this Agreement constitute the entire Agreement between CARExpress and the Member.If any provision is declared void under the law, that provision is severable and the remainder of this Agreement shall remain in full force and effect.
9. Membership Card: Member will be provided with a Membership Card.Such card and other forms of identification should be carried by the Member at all times to provide proof of the right to Eligible Services under the Membership Agreement.A new CARExpress membership card and materials will be provided to new members no later than 15 days after enrolling in the program.
10. Add/Remove Dependents: Members may call the CARExpress customer service
    
    #1-866-635-9532 in the event they need to add or delete dependent information. It will take up to 72 hours for the membership change to take effect.\
11. Renewal:To insure quality uninterrupted service, your CARExpress membership will be automatically renewed upon expiration each year and the current membership fee will be billed in accordance with your current payment method.If an automatic payment method is not indicated, then a renewal notice will be sent to the member to notify them of the upcoming expiration date and renewal procedure.
12. Complaint Procedure:Should a member have a question, concern or complaint regarding the CARExpress program, providers or procedures, contact should be made immediately either in writing or by telephone to the CARExpress customer service center.CARExpress will acknowledge each complaint in writing within 5 business days and shall investigate each complaint and provide the complainant with the results of its investigation no later than the 30th calendar day after the date CARExpress received the complaint. In the event that the problem surrounds the services received from a provider, the member must look solely to the provider of the benefit for rectification. CARExpress does not give any warranty for any benefits or services obtained.  West Virginia Residents:  If a member remains dissatisfied after completing the Complaint Procedure, member may contact the Offices of the West Virginia Insurance Commissioner.
13. Limitations, Exclusions or Exceptions:  Since CARExpress is a discount health savings program and not insurance, there are no applicable limitations, exclusions or exceptions other than that the program requires a member to use a participating provider in order to receive their savings and they must be a member in good standing as detailed above.
14. Utah Residents: This program is not protected by the Utah Life and Health Guaranty Association.
15. Maryland Residents: Some discounts under the Physician and Hospital Referral Plan benefit are not applicable in Maryland. Discounts are not available for all In-Patient procedures and certain Out-Patient Procedures under Maryland law. Out patient procedures at network hospitals such as laboratory and diagnostics services are eligible for the discount.
16. Note to Texas Consumers: Regulated by the Texas Department of Licensing and Regulation, P.O. Box 12157, Austin, Texas 78711; Telephone: (800) 803-9202 or (512) 463-6599; Website: www.license.state.tx.us/complaints .