Your membership is activated 30 days from enrollment unless you paid the immediate to be reimbursed 24hr’s after enrollment. We will reimburse 65% of your Auto Deductible up to $650 (Vehicle must be in your name and 30 days start from the loss date and not the repair date. Police Report maybe requested.) This service (Auto Deductible) can only be used 1 time per 18 months, If an Auto Deductible was filed after 30 days claim will be denied. 65% off of Traffic Violations up to $100, & 55% off court fees up to $60, (After 30 days for court fee's claim will be reimbursed at 25% up 90 days) 65% off of Toll Way Violations, Cell Phone & Tablet Deductible, Medical, Dental & Vision Co-Pay meaning doctor/office visits only other co-payments beyond the actual visit does not qualify. 25% reimbursement on non-insured office visits MRI, Physical Therapy, Chiropractor, Cardiologist, Psychiatrist, Dermatology up to $25. ( No Surgeries) (No Quest Diagnostics, or any form of Diagnostics) If a claim is not an actual Co-Pay and it's sent in after 30 days it will be denied. 55% off Cell Phone Accessories up to $100 (Cellphone Accessories must be from your current provider, not an authorized dealer), 50% of your Prescription Co-Pay up to $50, any Prescription Co-Pay sent in after 30 days will be denied. 65% off of Pet Co-Pay, 20% Reimbursement on Pet Deductibles, 65% off Parking Violations, 65% off of Home/Renters Deductible up to $487.50, remember it has to be home damage or vandalism. Anything else filed on your home insurance will not be accepted. If a Home/Renters Deductible was filed after 30 days claim will be denied. Your membership has to be up to date and current on the day of the incident. Keep in mind that for some of your services to be reimbursed you have to have some type of insurance. You will be called for a membership consultation to explain the value of your membership, if you do not answer you will be left a voicemail and if your voicemail is full then you will receive a text. (As a side note for your member's comp plan if an injury occurs you have to go to either the Urgent Care or Emergency room within 24hrs of the incident. You will receive $25 for the first initial visit and $20 per day that you are admitted upto 5 days. Also here are the things that are considered an injury: ACL Injuries, Ankle Injury, Concussions, Dislocated Shoulder, Golfer's Elbow, Groin Pull, Hamstring Injuries, Head Injury, Muscle Strain, Posterior Cruciate Ligament Injury, Rotator Cuff Tear, Running Injuries, Shin Splints, Skier's Thumb, Tailbone Injuries, Tendon Injuries, Tennis Elbow, Turf Toe, Workout Injuries, Achilles Tendon Injury. Things that are not considered injuries: Abrasion, Laceration, Puncture, Cuts, Preexisting Open Wounds, Bruises, Gashes, Scratch, Graze, Contusion, Lesion, Avulsion, Repetitive Motion Injuries, Soreness After Exercise, Tommy John Surgery). You have 30 days from the incident to file your claim for you to receive your full reimbursement percentage. After 30 days we will reimburse only 25% up to 120 days. Any claim over $200 will be broken up into 3 installments. Any claim over $400 will be broken up into 6 installments. At this membership level, you will receive 1 grams of Gold and $72 that will be issued to you every 18 months. Your CAP for this membership is $1,000 and increases $100 per annual year that maxes out to $2,000. Once you reach your CAP you will be reimbursed at 25% up to $75 for all services. Unless the upto amount is lesser on particular services then you would get the max. Your CAP resets every 18 months.