It is a discount medical plan. You are required to pay for services at the time they are rendered and if you do so at a participating provider you will receive a discount. Neither NDS nor the discount medical plan organization can make any payments to the provider on your behalf. If you do not wish to participate in the plan within 30 days of joining you may return the discount ID card with a written request for refund and receive all of your money back.The discount medical plan organization is AccessOne Consumer Health, Inc. 84 Villa Rd. Greenville SC 29615 www.accessonedmpo.com This plan does not constitute coverage under the ACA or Massachusetts health insurance requirements. The plan is not available in AK, CT, MT, RI VT or WA. La. R.S. 22:1260(5)(C) - If the discount medical plan organization cancels a membership for any reason other than nonpayment of charges by the member, the discount medical plan organization shall make a pro rata reimbursement of all periodic charges to the member. La. R.S. 22:1260(7)(D)(1)(k) - Procedures for filing complaints under the discount medical plan organization's complaint system and information that, if the member remains dissatisfied after completing the organization's complaint system, the plan member may contact his state insurance department. After the first thirty (30) days, you may cancel participation at any time and if you have pre-paid any membership fees, the prepayment will be refunded on a pro-rata basis for months you have not used. If you are dissatisfied with the response, you may contact your state insurance department.