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* THE FLEXEFITS HEALTH BENEFITS PLAN IS NOT INSURANCE. THE PLAN PROVIDES DISCOUNTS AT CERTAIN PROVIDERS FOR HEALTHCARE SERVICES. MEMBERS MUST PAY FOR ALL HEALTH CARE SERVICES AT THE TIME OF SERVICE, BUT WILL RECEIVE A DISCOUNT FROM THOSE PROVIDERS WHO HAVE CONTRACTED WITH THE PROGRAM OPERATOR. PROVIDERS MAY NOT BE AVAILABLE IN ALL LOCATIONS. OFFERS ARE SUBJECT TO CHANGE WITHOUT NOTICE.