Legal Disclaimer

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 us, sell various insurance and non-insurance products to consumers (“Individuals”) throughout the United States.

Almost all 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 Individual agrees that they are signing up for benefits, products or services that include an automatic payment plan. Each Individual 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(s), product(s) or plan(s). Each Individual acknowledges and agrees upon the membership(s), product(s) or plan(s) effective date and the initial payment amount (this is comprised of the first month’s premiums and, if applicable, the association’s monthly membership dues, plus a one-time, enrollment processing fee (which may or may not be non-refundable, depending on the membership(s), product(s) or plan purchased). Each Individual also acknowledges and agrees that their monthly premiums and, if applicable, the association’s monthly membership dues, will be automatically charged or drafted every month from the credit card, debit card or bank account they provide to us. Further, each Individual attests that they are the holder of the credit card, debit card or bank account provided to us for payment of the membership(s), product(s) or plan(s) purchased.

Each Individual may cancel automatic payments at any time by calling Customer Service at (214) 436-8881. Each Individual understands that when they cancel their automatic payments, all memberships they are enrolled in will also be cancelled.  

If an Individual is not satisfied with their membership(s), product(s) or plan(s), depending on the membership(s), product(s) or plan(s) purchased, 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, product or plan materials or call Customer Service at (214) 436-8881 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, product or plan through the next month. Each Individual acknowledges and understands that the one-time enrollment fee may be non-refundable.  The PHS 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 Individual’s record of an effort made by the Individual 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], product[s] or plan[s] purchased) under any of the membership(s), product(s) or plan(s) purchased, each Individual acknowledges and agrees that such a submission constitutes acceptance of the membership, product or plan, and their terms and submission of such a claim constitutes a waiver of any and all refund rights, including those noted in the foregoing paragraphs.

Each Individual acknowledges and agrees that some of the benefits included in the membership(s), product(s) or plan(s) selected 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 Individual’s responsibility to read their materials and certificates thoroughly to ensure a comprehensive understanding of the membership(s), product(s) or plan(s) purchased.  Individuals may call Customer Service at (214) 436-8881 if there are any questions.

Each Individual understands and agrees that the insurance agent or broker, if any, who assisted or is assisting the Individual with any insurance application, is a representative of the Individual. If an application acknowledgment is signed by a representative of the Individual, the signatory represents his/her capacity to so act.

Each Individual acknowledges and agrees that if there is any discrepancy between what they thought the selling Agent told them about the membership(s), product(s) or plan(s) purchased and what the actual materials or policy states, the materials and policy terms govern. EACH INDIVIDUAL IS STRONGLY ENCOURAGED AND ADVISED TO READ ALL POLICY, AND IF APPLICABLE, MEMBERSHIP 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 POLICY OR MEMBERSHIP MATERIALS.

By enrolling in the membership(s), product(s) or plan(s), each Individual 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 Individual acknowledges and agrees that they will receive a “welcome” email within 24 hours of their membership(s), product(s) or plan(s) enrollment, which will include the membership, product or plan information purchased. Individuals may have the ability to download all materials, including ID card(s) if applicable, and depending on the membership(s), product(s) or plan(s) purchased, may also receive official cards in the mail. It is each Individual’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) 436-8881.

NOTICE OF VOICE CONSENT AND CONSENT TO ELECTRONIC TRANSACTIONS, SIGNATURES AND DOCUMENTS

Each Individual consents and agrees that their voice consent shall serve as their signature.  Each Individual 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 Individual consents and agrees to the use of electronic signatures of documents (collectively, with the foregoing paragraph, the “Authorization”).  Each Individual understands and agrees 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. Each Individual understands and agrees that, by using this website and by purchasing any membership(s), product(s) or plan(s) by or through PHS, their agreement or consent to do, either by voice or electronic means, shall be legally binding and enforceable.

Each Individual agrees that this Authorization may be terminated by the Individual 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 Individual further understands and agrees that 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 Individual agrees to hold PHS harmless against any liability pursuant to this Authorization.