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Our Policies

Learn more about HealthSaver's Membership Agreement and Terms and Privacy Policy. Visit the areas below for specific information.

Membership Terms & Conditions
Privacy Policy

Membership Terms & Conditions

Shown below are the current HealthSaver Terms and Conditions. Please refer to your membership kit for specific terms and conditions applicable to your membership.

AGREEMENT ("Agreement" or "Terms") made between Trilegiant Corporation ("Trilegiant"), a Delaware corporation with offices at 6 High Ridge Park, Stamford, Connecticut 06905, providing a service called HealthSaver ("HS"), and the person specified on the accompanying HealthSaver membership card ("you"). By enrolling in HS, you agree to be bound by these Terms.


1. SERVICE - (a) During your HS membership, Trilegiant will secure discounts for you from participating providers for certain health-related products and services, including dental care (not available in Alaska, South Dakota and Wyoming), vision and hearing care, and prescription drugs. A more detailed description of the products and services available to you as a HS member, including the discounts provided on such products and services, is contained in your Membership Handbook. Members will have access to such products and services without any waiting or notification periods other than for hospital discounts, if included in your HS program. (b) To use the HS program, you should (i) visit to find a participating provider near you; (ii) print out your discount confirmation; and (iii) at the time of payment, show your discount confirmation and member card to receive your discount. HS will make available to you at all times during your membership through a toll free number, on-line, or in writing upon request the name, specialty, location and telephone number of all participating providers. You can contact our Customer Care Center (Monday-Friday, 9 a.m. to 8 p.m., Eastern) at 1-800-7-HEALTH (743-2584) toll-free, visit us online at, or write to us at HealthSaver, P.O. Box 41276, Nashville, TN 37204. (c) For each service listed on the HS Web site, you will receive savings at least equal to the minimum discount percentage advertised as long as you follow the discount confirmation procedure outlined on the HS Web site or provided by our Customer Care Center. If you follow the discount confirmation procedure and do not receive at least the minimum discount to which you are entitled, contact Customer Care at 1-800-7-HEALTH (743-2584) toll-free. You will receive a refund equal to the difference between what you paid and what you should have paid had the minimum discount been applied. Typical savings examples shown in the Membership Handbook and HS Web site are examples only. Fees for services vary by region, provider and service rendered. Prices and fees are subject to change without notice. The minimum discount guarantee described above does not apply to pharmacy discounts, long-term care, behavioral health facilities, or hospital visits, if included in your HS program. (d) Trilegiant reserves the right to change or modify the terms and conditions of this Agreement at any time and without notice, and you agree to comply with such changes or modifications. Trilegiant may cancel this Agreement upon written notice and refund to you the current term's membership fee unless the reason for such cancellation is your failure to pay or your misuse of the HS service. (e) You agree that Trilegiant shall not be deemed a merchant, vendor, or supplier of any product or service provided to you by participating providers in the HS program.

2. WHO MAY USE - (a) You and your immediate family, which includes your spouse and your dependent children (if living at your home or away at an educational institution), are entitled to use the HS program. (b) To add additional family members who are eligible for the HS program, call Customer Care. (c) You will be responsible for all use of your membership number and must notify HS immediately of any unauthorized use of your membership number, or the theft or misplacement of your membership card.

3. LIABILITY - (a) Trilegiant is not engaged in the practice of medicine. Participating health care professionals are solely responsible for all services provided to consumers, and the traditional relationship between practitioner and patient shall in no way be affected or interfered with by Trilegiant or any terms of this Agreement. Trilegiant does not endorse, recommend or guarantee the health care professionals listed on the HS Web site and makes no representations or warranties about the type of services, quality of care, source of payment or billing practices of such practitioners. Information available through the HS program is not intended to constitute offers to sell or solicitations in connection with any health care professional or product. Information presented is general in nature and is not meant to replace the advice of health care professionals. You agree that you assume all risk associated with the use of the HS program and that any decisions made about a health care professional or obtaining care are exclusively your responsibility. Although Trilegiant makes due efforts to confirm that HS participating health care professionals are credentialed, Trilegiant cannot guarantee the credentials of any participating health care professional. We strongly recommend that you confirm that a provider is currently participating in the HS program before you receive any services from that provider. Members must pay the provider directly at the time of service unless otherwise agreed upon between provider and member. (b) TRILEGIANT AND ITS AFFILIATES SHALL HAVE NO LIABILITY TO YOU, INCLUDING, WITHOUT LIMITATION, ANY LIABILITY FOR THOSE SERVICES SUPPLIED BY PARTICIPATING PROVIDERS, MERCHANTS, VENDORS, OR SUPPLIERS AND/OR THEIR PARTICIPATION IN THE HS PROGRAM. TRILEGIANT MAKES NO WARRANTY, EXPRESS OR IMPLIED, WITH RESPECT TO ANY PRODUCTS OR SERVICES SOLD OR INFORMATION DELIVERED OR PROVIDED TO YOU, INCLUDING ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, AND TRILEGIANT AND ITS AFFILIATES SHALL, UNDER NO CIRCUMSTANCES, BE LIABLE FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES. TRILEGIANT AND ITS AFFILIATES' AGGREGATE LIABILITY TO YOU SHALL IN NO EVENT EXCEED THE AMOUNT OF YOUR HS MEMBERSHIP FEE. (c) Trilegiant reserves the right to eliminate providers, merchants, vendors, and suppliers from the HS program and to provide notification to you of these deletions through the Customer Service toll-free number set forth herein or via the HS web site at In the event such goods or services are not available to you, Trilegiant is not responsible for any refund to you due to provider, merchant, vendor, or supplier closure, discontinuance with the HS program, or restrictions. (d) The terms of this Section 3 shall survive any termination, cancellation, or expiration of this Agreement.

4. GOVERNING LAW - This Agreement, and the respective rights and obligations of the parties hereunder, shall be governed by, and construed in accordance with, the laws of the State of Connecticut. The terms of this Section shall survive any termination, cancellation or expiration of this Agreement.

5. ARBITRATION - You and Trilegiant agree that any claim or dispute ("Claim") between us shall, at the election of either of us, be resolved by binding arbitration administered by the American Arbitration Association under its rules for consumer arbitrations. It is the parties' intent that this arbitration provision be construed broadly, including that this arbitration agreement include any Claims against Trilegiant as well as its corporate affiliates. You agree that, by entering into this Agreement, you and Trilegiant are each waiving the right to a trial by jury or to participate in a class action. At your request, we will pay the first $125 of your arbitration fees. You will be solely responsible for your arbitration fees and costs in excess of $125. The arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual Claim. YOU AND TRILEGIANT AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and Trilegiant agree otherwise, the arbitrator may not consolidate more than one person's Claims, and may not otherwise preside over any form of a representative or class proceeding. If the specific provision in the preceding sentence is found to be unenforceable, then the entirety of this arbitration provision in this Section 5 shall be null and void. Notwithstanding any of the foregoing provisions, either party may bring an individual action in small claims court. The parties to this Agreement acknowledge that this arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. 1 et seq. ("FAA"). Judgment upon any arbitration award may be entered in any court having jurisdiction. The arbitrator shall follow substantive law to the extent consistent with the FAA and shall honor any claims or privileges recognized by law. The terms of this section shall survive any termination, cancellation or expiration of this Agreement.

6. MEMBERSHIP FEE - Your membership begins on the date you receive your membership materials. For your convenience, at the end of your 30-day trial period the current membership fee will be automatically billed to your designated billing source, selected at the time of enrollment, unless you call to cancel during your trial. You may not change your designated billing source without Trilegiant's prior consent. All requests to change billing sources shall be made by calling 1-800-7-HEALTH.

7. RENEWALS - Unless you notify Trilegiant that you do not wish to renew your membership, Trilegiant will automatically renew your HS membership at the end of each month and bill the then-current renewal fee to your designated billing source. You will be notified of any price increase and may cancel your membership if You do not want to continue to be billed at the new price.

8. RIGHT TO CANCEL MEMBERSHIP - (a) You have the right to cancel this Agreement at any time. You may cancel this Agreement by calling 1-800-7-HEALTH or by writing to HealthSaver, P.O. Box 41276, Nashville, TN 37204, Attention: Membership Department. Cancel this Agreement during your 30-day trial, and you will owe nothing; at anytime thereafter, you will owe nothing further. The trial fee, if applicable, is not refundable except in Arkansas, Colorado, and Tennessee. If you cancel this Agreement during your 30-day trial, you will owe nothing. If you cancel on the 31st day or later after delivery of your membership materials, you will not receive a refund; however, you will be able to use the HS Program until the end of the month for which you have paid. You are not obligated to make any further payments nor entitled to receive benefits after the last month for which payment has been made. If Trilegiant determines it is unable to bill the membership fee due hereunder to your designated billing source, Trilegiant shall have the right to terminate this Agreement in which event you will no longer have access to any of the HS Program benefits. In addition to Trilegiant's termination rights set forth above, Trilegiant may elect in its sole discretion to keep this Agreement in effect, but suspend your access to all of the HS Program benefits until such time (if any) as Trilegiant is able to bill the membership fee due hereunder to your designated billing source.

9. COMPLAINTS - Members may file complaints about the availability of discounts or services, or other matters relating to HS. HS will acknowledge a complaint in writing within 5 business days, will investigate the claim and will provide you with the results of our investigation no later than the 30th calendar day after HS receives the complaint. Complaints should be directed as follows: in writing to HealthSaver, P.O. Box 41276, Nashville, TN 37204; by phone to 1-800-7-HEALTH; and by e-mail at If the member remains dissatisfied after completing our complaint process, such member may contact the insurance department of such member's state.

10. ELECTRONIC COMMUNICATIONS -Trilegiant, at its option, may communicate with you regarding the HS Program by mail, by telephone or by electronic communications. Trilegiant may communicate with you electronically by means of electronic mail to the e-mail address you provide when you sign up for the HS program and/or postings to the HS program's website. Trilegiant may communicate electronically to you the following types of communications: Membership Terms and Conditions (including any amendments thereto), notices or disclosures regarding the HS program, payment and billing authorizations, and other matters relating to your use of the HS Program.

You may contact Trilegiant at the telephone number and address listed above to request another electronic copy of an electronic communication without a fee. You may also request a paper copy of the terms of the payment authorization without a fee. You may contact Trilegiant at the same telephone number or e-mail address listed above to update your contact information or to withdraw your consent to receive electronic communications. Trilegiant reserves the right to terminate your use of the HS program if you decline or withdraw your consent to receive electronic communications from Trilegian


You will need the following software and hardware to access electronic communications sent to you by Trilegiant as part of your HS membership: IBM or MAC compatible computer, Internet access, a working e-mail address, and Internet Browser (Internet Explorer version 5.2 or a later version). To retain copies of electronic communications, you must print a copy using a printer attached to your computer, or save an electronic copy to your computer's disk or other storage device.

The HealthSaver program is provided by Trilegiant Corporation, a discount medical plan organization located at 6 High Ridge Park, Stamford, CT 06905. The HS program is NOT insurance and does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00. HS provides discounts at certain providers for medical services, prescription drugs, pharmaceutical supplies and medical equipment. HS does not make payments directly to the providers of medical services, prescription drugs, pharmaceutical supplies and medical equipment. The program member is obligated to pay for all medical services, prescription drugs, pharmaceutical supplies and medical equipment at the time of service, but will receive a discount from those providers who have contracted with the discount medical plan organization. The discounts are available only at participating providers. Discount varies based on services and/or providers. The program and its administrators have no liability for providing or guaranteeing service or the quality of service rendered. HS is not a Medicare prescription drug plan.

Note to California residents: Dependent children includes all unmarried children from birth through 20 years of age, or through age 22 if the dependent child is attending an educational institution, or a child of 21 years of age or over who is both (a) incapable of self-sustaining employment by reason of mental retardation or physical handicap and (b) chiefly dependent upon the member for support and maintenance.

Note to South Carolina residents: As a HS member, you have 30 days after receiving your membership materials to cancel the service and receive a full refund. (b) If Trilegiant determines it is unable to bill the membership fee due hereunder to your designated billing source, Trilegiant shall have the right to terminate this Agreement in which event you will no longer have access to the HS program. In addition to Trilegiant's termination rights set forth above, Trilegiant may elect in its sole discretion to keep this Agreement in effect, but suspend your access to the HS program until such time (if any) as Trilegiant is able to bill the membership fee due hereunder to your designated billing source.

Note to Utah residents: This contract is not protected by the Utah Life and Health Guaranty Association.

Pharmacy discount is available only at participating pharmacies. Discounts not available where prohibited by law.

HealthSaver is a service provided by Trilegiant Corporation, which may modify or improve any part of the service at any time and without prior notice. HealthSaver is a registered service mark of Affinion Publishing, LLC.

© 2012, Trilegiant Corporation


Privacy Policy

Trilegiant Corporation ("Trilegiant") has created this privacy policy statement in order to demonstrate our firm commitment to our visitors' and customers' privacy. The following discloses our information gathering, use and dissemination practices for our HealthSaver membership program ("HealthSaver") and, the program's Web site. Effective Date: This privacy policy was last updated on January 1, 2014 and is subject to change at any time.

Who We Are
Trilegiant Corporation,
Address: 6 High Ridge Park
Stamford, CT 06905
Telephone: 1-800-743-2584
Customer Service e-mail:

Collection of Personal and Non-Personal Information
When visiting the HealthSaver Web site, in order to join, make a purchase, register to use certain services, enter a sweepstakes, respond to a survey or update your information you may be asked to provide certain personally identifiable information ("Personal Information") about yourself, such as your name, e-mail address, physical address, telephone number, date of birth or mother's maiden name. For enrollment and purchases, we require a name, physical address, telephone number, credit or debit card or related checking account number and card expiration date. You may review and revise any Personal Information we have about you by sending a request to or calling 1-800-743-2584.

We may also request non-personally identifiable information ("Demographic Information"), such as annual income, buying preferences, or your age. This information is maintained anonymously, so we have information about everyone as a group who answered the questions, rather than information about a single individual's responses. Providing this Demographic Information is optional.

Information Usage
We use Personal Information to perform business functions, such as serving our members and other customers, developing new products and services, fulfilling orders and contacting you when necessary, such as when a delivery may be delayed or when an ordered product is out of stock. We may also use this information to notify you about new products or services and special promotions offered by Trilegiant or any of its affiliates.

We may use Demographic Information to improve and enhance your experience on the Web site. For example, we may use certain preferences you provide to tailor your experience at our site, such as showing you content and sending you notices concerning merchandise and services that may interest you.

Information Disclosure
We may share Personal Information with unaffiliated third parties, including marketing partners, printers, billing agents, insurance companies, administrators, and service providers that assist us in performing our business functions and marketing our products, and as otherwise permitted or required by law. These parties have access to Personal Information needed to perform their functions, but may not use it for other purposes.

We may share information relating to your transactions with us or our experience with you, with our affiliates (including those existing currently or in the future). We will not share any Personal Information with our affiliates for purposes of marketing their products and services unless we are otherwise permitted to do so by law.

From time to time, unless we are restricted by applicable contract, we may also share your information relating to your transactions with us or our experience with you with trustworthy unaffiliated third parties, who offer products or services that we feel may be of interest to you.

We may also share Demographic Information with unaffiliated third parties, such as advertisers interested in advertising on the Web site, in an aggregate, anonymous form, which means that the shared information will not contain nor be linked to any personally identifiable information about you or any other person.

Opting Out of Sharing of Personal Information; Choice With Respect to Receiving Marketing Emails
Any information that you enter on an enrollment or other form on our Web Site may be collected and retained by Trilegiant Corporation even if you decide not to enroll, may be used by Trilegiant to send you future promotional information, and will be subject to the terms and conditions of this Privacy Policy. If you do not want to receive future promotional information from HealthSaver in the future, you may let us know by going to and entering your email address. Please allow up to 10 days for your email to be removed. For offline unsubscribe assistance, please contact us at 1-800-743-2584.

For offline unsubscribe assistance, please contact us at: Trilegiant, Address: Trilegiant, 6 High Ridge Park Stamford, CT 06905.

Your California Privacy Rights
Under California law, California residents have the right to request in writing from businesses with whom they have an established business relationship, (1) a list of the categories of personal information, such as name, address, e-mail address, and the type of services provided to the customer, that a business has disclosed to third parties (including affiliates that are separate legal entities) during the immediately preceding calendar year for the third parties' direct marketing purposes, and (2) the names and addresses of all such third parties. To request the above information, please e-mail us at or write us at: Attn: Dept. Membership Department, Trilegiant Corporation, P.O. Box 41248, Nashville, TN, 37204, with a reference to California Disclosure Information.

We will respond to such written requests within 30 days following receipt at the e-mail or mailing address stated above. If we receive your request at a different e-mail or mailing address, we will respond within a reasonable period of time, but not to exceed 150 days from the date received. Please note that we are only required to respond to each customer once per calendar year.

"Cookies" are pieces of information that may be placed on your computer by a Web site for the purpose of facilitating and enhancing your communication and interaction with that Web site. Almost all Web sites use cookies for these purposes.

We may use cookies (a) to customize your visit to the site, (b) to deliver content consistent with your stated interests and the manner in which you browse and/or buy on our site, (c) to save your password (if you have registered with us) so you don't have to re-enter it each time you visit our site, and (d) for other purposes to make your visit more convenient.

At times, some of our third party advertisers or their ad serving and tracking providers may place cookies on your computer system when you select their ad banner and some of our content providers or partners may also place cookies on your computer system when you visit those portions of our site over which they have control. We reserve the right to supplement the cookie data which we collect from you with information collected by cookies set by third parties on our behalf in order to understand how you use the Internet and what products are of interest to you.

You may stop or restrict the placement of cookies on your computer or flush them from your browser by adjusting your web browser preferences, in which case you may still use our site, but it may interfere with some of its functionality. We do not use cookies to retrieve information from your computer for any purpose other than as set forth in this privacy policy.

Our systems do not respond to "do not track" signals. Further, other parties may collect certain personally identifiable information about your online activities over time and across different Web sites when you use the HealthSaver Web site or service.

Internet Protocol (IP) Address
We may use your IP address to help diagnose problems with our server and to administer our Web site. Your IP address may also be used to help identify you and to gather demographic information. In addition, your IP address may be linked to your personally identifiable information while you are in the process of making a purchase and be retained by us with other information we collect and retain about you in connection with your HealthSaver membership.

As you use the Internet, a trail of electronic information is left at each Web site you visit. This information, which is sometimes referred to as "clickstream data", can be collected and stored by a Web site's server. Clickstream data can tell us the type of computer and browsing software you use, the address of the Web site from which you linked to the Web site, and, in some instances, your e-mail address. We may use clickstream data to anonymously determine how much time visitors spend on each page of our site, how visitors navigate throughout the site and how we may tailor our Web pages to better meet the needs of visitors. This information will only be used to improve our Web sites.

Consent To Processing
By providing any Personal Information to this site, you fully understand and unambiguously consent to the collection, usage and processing of such information in the United States.

Links To Other Sites
Our sites may contain links to other sites. Other sites may also reference or link to our sites. We are not responsible for the privacy practices or the content of such other sites.

Maintaining the Security of Your Information
We have implemented security procedures which use reasonable measures to ensure the security, confidentiality and integrity of Personal Information and Demographic Information in our possession and guard against unauthorized access or use. However, due to the inherent open nature of the Internet, we cannot guarantee that communications between you and Trilegiant will be free from unauthorized access by third parties, such as hackers. We also identify data that is to be protected, provide a reasonable level of protection for that data and grant access to protected data only to those individuals who need to use it in performing their job-related duties. Employees who violate our security procedures will be subject to disciplinary action, which may include termination.

HealthSaver utilizes Standard SSL encryption on pages where secure information is transmitted over the Internet. We also use VeriSign as our Certificate of Authority.

Treatment of Information of Former Members and Customers
We will continue to follow our privacy policy for your Personal Information even when you are no longer a member or other customer of our business.

Your Acceptance of this Policy
By using this site or the HealthSaver product, you signify your assent to our privacy policy. If you do not agree with the terms of this privacy policy, please do not use our site or the HealthSaver product. This privacy policy supersedes all privacy policies and other similar standards previously issued by us. This privacy policy is subject to updates and other changes from time to time. In the event of any such changes, we will notify all of our members and other customers of such changes in the manner and to the extent required by law. Your continued use of our site or the HealthSaver product following the posting of changes to this privacy policy means you accept these changes.

HealthSaver is a service provided by Trilegiant Corporation, which may modify or improve any part of the service at any time and without prior notice. HealthSaver is a registered service mark of Trilegiant Corporation.