Your medical lifeline for quick, high quality, non-emergency healthcare.

Have You Ever... Needed a doctor in the evenings or on the weekends? Needed a prescription called in to your pharmacy? Needed to talk to a doctor about a non-emergency illness?

CallMD is the solution!

Unnecessary and costly Emergency Room or Urgent Care visits can be avoided simply by contacting CallMD! CallMD is a nationwide network of medical physicians who provide medical advice and issue non-narcotic prescriptions (when sufficient medical history is available) to expedite hassle-free treatment. CallMD staffed with licensed, registered nurses to speak to members regarding their medical needs and to arrange consultations with CallMD Doctors 365 days a year / 24 hours per day / 7 days per week.

Non-emergency medical care from the comfort of your home. Accessible 24 hours a day / 7 days a week. Receive up to 12 consultations per year (6 per member only or 12 per family) at no additional charge. Save time & money: no need to take time off to see a doctor. A CallMD Doctor can write a prescription for you when necessary. [No DEA Controlled Substances or Narcotics Allowed] Discount Savings Card included with plan: Dental Savings up to 25% - 40% Vision & LASIK Savings of 10% - 50% Lab Test Savings 10% - 70% Rx Prescription Average Savings of 20% Hearing Savings of 35% - 65% Diabetic Supplies Savings of 15% - 48% X-Rays / Imaging Savings of 10% - 80% Chiropractic Savings of 10% - 60%

BENEFITS DETAILS

Feel Better Today. Stay Healthy for Tomorrow.

CallMD is a nationwide network of medical physicians who provide medical advice and issue non-narcotic prescriptions (when sufficient medical history is available) to expedite hassle-free treatment. CallMD staffed with licensed, registered nurses to speak to members regarding their medical needs and to arrange consultations with CallMD Doctors 365 days a year / 24 hours per day / 7 days per week.

How does the CallMD Program Work?

Call the Toll Free number. A registered nurse verifies your membership in the CallMD program. A registered nurse documents information about your medical history. A registered nurse documents your current medical concern. Medical information is sent to a licensed doctor in your state of residence. A CallMD Doctor and the nurse who took your medical information will call you back within 3 hours to complete your doctor consultation. A CallMD Doctor can write a prescription when necessary. [No DEA Controlled Substances or Narcotics Allowed] A CallMD Doctor will complete a diagnosis form that will be stored in your Electronic Medical Record for future use.

Some of the most common health conditions treated by CallMD Doctors:

Fever/cough/sore throat/ nasal congestion Diabetes / weight control Ear ache / Bronchitis Allergies

VBA TERMS

VBA TERMS AND CONDITIONS

1. Member understands that VBA is not an insurance company or program. 2. VBA provides savings to its members on services through a number of sources. The current list of benefits may be modified through additions or deletions. A quarterly newsletter, posted on our website or sent via e-mail, will keep members up to date on benefits and other pertinent information. 3. Payments for the VBA Program are due in advance. Payments will be drafted on or about 15 days before the due date. If you choose to cancel your program, it is your responsibility to make sure that your membership card and a written request for cancellation are sent to VBA at least 15 days prior to the anniversary of your effective date in order for your account not to be charged for additional fees. 4. Member hereby appoints, Value Benefits of America Association (VBA) President, or failing this person, a VBA Director, as proxy holder for and on behalf of the member with the power of substitution to attend, act and vote for and on behalf of the member in respect of all matters that may properly come before the meeting of the members of VBA and at every adjournment thereof, to the same extent and with the same powers as if the undersigned member were present at the said meeting, or any adjournment thereof. Annual meetings are to be held in Arizona the second Tuesday of August. 5. VBA reserves the right to terminate any enrollment or deny eligibility in the program for lack of payment to VBA. Returned checks, insufficient notices on bank drafts or denial by the member's credit card company for payment of the membership fee is deemed to be evidence of non-payment by a member. There will be a $10.00 charge to be reinstated in the program after such denial. If reinstatement for non-payment happens more than once, a $20.00 reinstatement will apply. 6. In the event of any dispute, member agrees to resolve said dispute solely by binding arbitration that shall be governed by the laws of the state of Arizona and enforceable at Scottsdale, Maricopa County. 7. Membership cancelled within the first 30 days of the enrollment date may be eligible for refund if the membership card and written cancellation request are sent to VBA. The administrative fee is not refundable. Approved refunds will be processed approximately 30 days after cancellation. 8. Membership is effective on the 1st of the month following enrollment acceptance by VBA. Member Agreement: By signing your enrollment form, member expresses desire to become a member of Value Benefits of America. Member acknowledges that the discount plans ARE NOT INSURANCE. Membership benefits are not a replacement for health insurance coverage nor are they intended as a substitute for health insurance coverage. Membership fees may change for all members, but not individually, with notification. Billing: Billing will be processed on approximately the 16th of each month. You may see the transaction on your account from that day to a week later due to electronic processing. Initial billings, second drafts or in the case of a banking error we may bill on days other then the 16th. Cancellation Request: Refer to number 7 of VBA Terms & Conditions.

SECURITY & PRIVACY STATEMENT

When you become a GACquote.com customer, you entrust us with your personal data. We consider your data to be private and confidential, and we hold ourselves to the highest standards of trust and fiduciary duty in their safekeeping and use. General Agent Center (GAC) and our partners will not release information about you or your application, policy or claims information, unless one or more of the following conditions are met: We receive your prior written consent. We believe the prospective recipient to be you or your authorized representative. We are required by law to release information to the recipient. Questions about your medical history and physical condition are required by our insurance carrier partners and will be released to the insurer so that they may underwrite your insurance application. GAC will not give or sell information about you to any other company, individual, or group without your prior authorization. GAC will only use information about you to help us better serve your insurance needs or to suggest GAC services or insurance materials that may be of interest to you. To further protect your privacy, our web site uses the highest levels of Internet security, including data encryption, user names and passwords, and other security tools. Occasionally, GAC may conduct marketing surveys or research to help us evaluate products, services, and the changing needs of our customers. It is GAC's policy to keep this information confidential. We will not share individual marketing data gathered from our web site with individuals or business entities not affiliated with GAC. We know that the privacy of your personal information is important to you. In order to provide you with insurance products of the highest quality and with the service you deserve, it may be necessary for us from time to time to collect nonpublic personal and financial information about you (the "Information") and, in certain situations, to share that Information with others. The following notice describes our policies and practices with regard to your Information.

HOW WE PROTECT YOUR INFORMATION

We maintain physical, electronic and procedural safeguards to protect the Information against unauthorized access and use. We restrict access to the Information to those employees who need access to provide products and services to you and your dependents. The personnel who have access are trained in the proper handling of the Information. Employees who violate this strict level of confidentiality are subject to our disciplinary process.

CATEGORIES OF INFORMATION THAT WE COLLECT

In the normal course of business we may collect the following types of Information: Information you provide on applications and other forms (including name and address) Data about your transactions with us (such as types of products you have purchased and your account status) Information gathered on our Web sites through online forms, site visit data and online information-collecting devices known as "cookies"

HOW WE USE YOUR INFORMATION

We may share your information among the Insurance Companies as permitted by law, including for routine business administration. We may share information with non-affiliated companies as allowed by law, such as firms that perform services on our behalf, including the administration and marketing of our products. We require these companies to meet strict privacy standards. We may disclose information to non-affiliated entities when required by law, such as to respond to a subpoena, to prevent fraud or to comply with an inquiry by a government agency.

ACCURACY OF YOUR INFORMATION

We strive to maintain the accuracy of Information that is in our possession about you. In order to help us maintain accuracy, you have the right to reasonably access your information. If you believe any information in our possession is inaccurate, a request can be made to amend or delete the information that you believe to be erroneous. If we concur with the request, we will amend or delete the information in question. You may write our Privacy Office at the address below to receive our complete policy on accessing and amending the Information.

CHANGES TO THIS NOTICE

We reserve the right to change this Notice. We reserve the right to make the revised Notice effective for the Information we already have about you as well as any Information we receive in the future. If we make any material changes to our policies or practices, we will provide you with a copy of a revised Notice. We will post a copy of the current Notice on our websites. The Notice will contain in the top right-hand corner, the effective date.

You may contact our Privacy Office at:

General Agent Center 15575 North 79th Place, Suite 100 Scottsdale, AZ 85260