Individual Plan Terms

In addition to the monthly or annual fees listed on this site, there is a one-time $10 application fee. Any payments returned for insufficient funds will result in an additional $10 administrative fee.

If your enrollment and first fee payment are received on or before the twentieth day of the month, your participation in the program will be effective on the first day of the following month. If your payment is received after the twentieth, your participation in the program will be effective on the first day of the next month. For example, if your enrollment is received on January 21,your participation becomes effective on March 1.

Upon acceptance of your enrollment, you will receive an insurance or discount card, depending on the plan you select. Just present that card to providers who have contracted with the program when receiving services. You can locate contracted providers by visiting our Provider Search

You may cancel your participation at any time by giving EMI Health thirty days written notice. Upon proper notice of cancellation, prepaid fees for periods in which no program participation took place will be refunded by a credit to the account from which the fee was paid.

RxBlitz Discount Plans Only. The RxBlitz Prescription Discount Card programs are operated by Educators Health Care. Prescriptions are filled through Medco Health. The discount programs are not insurance policies, but provide discounts when using certain providers. The program holder is obligated to pay for all services, but will receive a discount from those providers who have contracted with the program.

Should you have a dispute with the program, you may send a written request for review to the EMI Health Review Committee. The Review Committee will inform you in writing of its decision.

If you do not agree with the findings of the Review Committee, the subject dispute shall be submitted for resolution through binding arbitration. Such arbitration is mandatory and shall be the exclusive method of resolving any such dispute. You may initiate arbitration by giving written notice to EMI Health within 30 days after the delivery in writing of the final decision of the Review Committee.