This discount program is NOT a health insurance policy or a Medicare prescription drug plan and does not make payments directly to medical service providers. Members are obligated to pay for all medical services. Members will receive discounts on health services from participating providers and the discount range will vary depending on provider type and health services received. The program does not constitute minimum creditable coverage under Massachusetts law. Program administered by Avia Dental Plan, Inc., Mull Center, 1025 Main Street, Suite 916, Wheeling, WV 26003, 1-888-431-2273, www.aviadental.com.