PHI Cares
General Terms and Conditions

Membership
As used herein, the terms “you,” “your,” and “Member” and “Members” shall mean any members enrolled in the PHI Cares program; the terms “our,” “we,” “us,” and “PHI” shall mean PHI Health, LLC; the term “PHI Cares program” shall mean the PHI Cares membership program operated by PHI; and the term “Terms and Conditions” shall mean the PHI Cares program Terms and Conditions.

PHI Cares is a membership program operated by PHI Health, LLC, which covers the uninsured or otherwise uncovered portion of the flight charges that may be incurred by members who are transported on a PHI medically configured aircraft as set forth herein. Membership benefits are valid five (5) days after your completed application and payment have been received and processed by the PHI Cares Membership Department. The five-day waiting period is waived for unforeseen events occurring during that time.

If your membership lapses, you may renew within ninety (90) days of your renewal date and your coverage is reinstated from the date it was due, with no new waiting period. If you renew more than ninety (90) days after your renewal date, you are treated as a new member and the five-day waiting period applies again.

Memberships are offered at a single price per term, as a monthly membership that renews each month until you cancel, or as a one-year, three-year, five-year or ten-year prepaid term. In California, memberships are limited to a one-year term and the monthly membership. In Indiana, the maximum membership term is five years. A household membership covers all dependents who reside at the same registered legal address and up to three non-family members who reside at the same legal residence of the primary household Member. The primary household Member is the individual who purchases the membership and will be used by the PHI Cares program as the primary contact to communicate with any other household Members.

Fees and Billing

Prepaid terms. Membership fees for one-, three-, five- and ten-year terms are payable in full and in advance at the start of the term. Payments are non-refundable.

Monthly membership. The monthly membership fee is charged, in advance, each month to the payment method you provide, which may be a credit card or an automatic transfer from your checking account, and recurs until you cancel. Payments are non-refundable. By selecting the monthly membership you authorize PHI to charge that payment method the monthly membership fee on a recurring basis until you cancel, and you agree to keep your payment information current. If a charge is declined, PHI may suspend or terminate the membership after notice to you.

A Member who receives a medically necessary transport through the PHI Cares program is relieved from paying any charges related to their PHI medical transport other than amounts paid or reimbursed to the Member by any available healthcare insurance, a third-party payor, or a third-party who may be legally responsible for the charges. In other words, PHI Cares accepts what your insurance or other third-party source of payment pays as “payment-in-full,” relieving you of any other charges for the air medical transport.

PHI will bill your healthcare insurer or other third-party payor (for example, Medicare), or seek recovery from any legally liable third party (for example, a car accident which causes you injury as a result of someone else’s fault or negligence) for the air medical transport. Should you receive payment directly from your healthcare insurer, other third-party payor, or from a legally liable third party for all or any portion of the charges for the air medical transport, you agree to promptly remit such payment to PHI. If any third party or his/her insurer who is legally liable pays for the air transport charges either through settlement of a claim or a judgment from a lawsuit, you agree to promptly remit the amount received by you for air transport charges included in such settlement or judgment.

Members who have no healthcare insurance coverage and no other third-party payor to cover air medical transport charges will be relieved by PHI from any patient transport charges for medically necessary air transport services on a PHI aircraft. PHI Cares Members are responsible for and agree to pay for any charges that are not covered by the PHI Cares program, including but not limited to air transport pick-ups outside of the PHI Cares service area or any ground ambulance transportation services that Members may incur in connection with any PHI air medical transport.

Automatic Renewal and Cancellation

Monthly membership. Your monthly membership continues, and your payment method is charged the then-current monthly fee, each month until you cancel. You may cancel at any time in writing, over the phone or online using the contact details below. Cancellation takes effect at the end of the month for which you have already paid, and coverage continues to the end of that month. No further charges are made after cancellation.

Prepaid terms. A prepaid membership covers the term you purchased. Payments are non-refundable, so there is no notice period and nothing to cancel during the term. If you do not wish to continue, simply do not renew when the term ends. Automatic renewal is optional. Outside California, your membership is set to renew automatically unless you turn it off, and you may turn it off at any time in writing, over the phone or online, with no further charges. For California residents, automatic renewal is off unless you choose it. If you are not on automatic renewal, PHI sends you an invoice by mail ahead of your renewal date. PHI may terminate your membership for failure to pay any amounts due at renewal following ten (10) days written notice. Renewals may include changes in coverage and in these Terms and Conditions.

California residents. Automatic renewal is off unless you affirmatively choose it. Before you are charged, PHI discloses clearly and conspicuously that the membership renews automatically, the recurring amount, how often the charge is made, and how to cancel, and PHI sends you a renewal reminder in advance of any automatic renewal charge. You may cancel at any time, including online, in the same way you signed up.

Paying by Bank Transfer
You may choose to pay by automatic transfer from your checking account. If you enroll online, you authorize the transfers electronically at enrollment. If you enroll over the phone, your authorization is recorded. Either way we will confirm the amount, the date and how often the transfer will be made before the first transfer.

Your authorization continues until you revoke it. You may revoke it at any time in writing, over the phone or online. So that we can stop a transfer before it is sent, please tell us at least three (3) business days before your next scheduled transfer date. If you cancel closer to that date and we are not able to stop the transfer, we will refund it.

If the amount of a scheduled transfer changes, we will notify you at least ten (10) calendar days before the transfer date. If the scheduled date changes, we will notify you at least seven (7) calendar days beforehand. A change caused only by a weekend or a holiday is not a change of date.

Revoking your bank transfer authorization is not the same as cancelling your membership, and cancelling your membership also ends any bank transfer authorization connected to it.

Eligibility and Availability
Medicaid participants are not eligible for membership in the PHI Cares program.

Please note that a PHI aircraft may not be available at the time a flight request is made for reasons such as inclement weather; the PHI aircraft is already in service at the time of the request; the PHI aircraft is undergoing maintenance or repairs; weight limitations of the PHI aircraft; or other reasons that make the PHI aircraft unavailable to respond to a request. Further, if medical or dispatch personnel call another air ambulance provider to respond to your event, your PHI Cares membership will not cover the medical transport provided by another air medical transport provider.

Passenger weights and other operating restrictions may limit our ability to transport a Member. PHI, in consultation with other healthcare providers or dispatch agencies, reserves the right to determine whether air medical transport is medically necessary, safe, and appropriate under the circumstances.

The PHI Cares program is not an insurance product. PHI Cares does not cover and will not pay or reimburse you for services performed by any other air medical transport provider or any ground ambulance service provider. Notwithstanding the foregoing, in addition to covering medically necessary transports on PHI aircraft, your membership will also cover medically necessary transports on PHI’s cooperative service partners’ aircraft if such transports occur within PHI’s service areas. Please visit our website at www.PHICares.com or contact our Membership Department to obtain more information on our current air ambulance membership partners and our current service areas. Any medical transports on a PHI Cares partner aircraft shall be subject to the same Terms and Conditions stated herein.

Service Area
Membership provides household national coverage for medically necessary air transports on PHI medically configured aircraft to the closest appropriate facility within approximately 200 nautical miles for a rotor wing (helicopter) and 600 nautical miles for a fixed wing (airplane). The point of pickup must be within a PHI Cares service area. For a list of service areas, please see the coverage map on the PHI Cares website at www.PHICares.com or contact the Membership Department directly.

Notifying PHI Cares Membership Department of Transport
You should inform the healthcare provider, dispatcher, or emergency personnel of your PHI Cares membership at the time an air medical transport is requested, as these personnel will not be aware of your PHI Cares membership. In addition, it is the responsibility of each Member to contact us if a registered and eligible household dependent has been flown by PHI. Please call the PHI Cares Membership Department at: 1.888.435.9744 (1.888. I Fly PHI), Monday-Friday, 0800 to 1600 Hours MST.

Termination and Modification
PHI may terminate your membership for failure to comply with the Terms and Conditions of the PHI Cares membership program. PHI reserves the right to discontinue its PHI Cares program at any time upon notice to Members. In such event, PHI shall return a pro rata portion of the membership fee. PHI also reserves the right to modify these Terms and Conditions, including but not limited to the membership fee to be charged to Members who join or renew their membership after the effective date of such change. Material changes will be communicated or made available as required by applicable law.

Text Messaging
If you elect to receive text messages from PHI Cares, you authorize PHI Cares and its service providers to send text messages to the mobile telephone number you provide. Depending upon the consent you provide, messages may include membership-related communications, renewal or expiration reminders, billing or payment notifications, service announcements, and marketing or promotional communications. Message frequency may vary. Message and data rates may apply. Consent to receive marketing text messages is not a condition of purchasing or maintaining a PHI Cares membership. You may opt out at any time by replying STOP or through any other reasonable method made available by PHI Cares. For assistance, reply HELP or contact PHI Cares at 1.888.435.9744. Your mobile carrier is not liable for delayed or undelivered messages. You agree to notify PHI Cares if you discontinue use of or change the mobile number provided to PHI Cares.

Your consent. PHI Cares maintains two separate consents, each presented as its own checkbox at enrollment, and neither is checked for you. You may agree to receive service and account messages without agreeing to receive marketing messages. Service and account messages cover membership status, renewal or expiration reminders, billing and payment notifications, and important service-related notices. Marketing messages cover offers, promotions, membership information, and similar communications. Consent to marketing messages is not a condition of purchase or membership, and is not given by accepting these Terms and Conditions.

Existing members. An existing PHI Cares membership is not treated as consent to receive text messages. Members who have not previously provided documented SMS consent will be asked to provide affirmative consent before PHI Cares sends them automated text messages.

Opting out. You may revoke your consent in any reasonable way at any time. PHI Cares recognizes replies of STOP, QUIT, END, REVOKE, OPT OUT, CANCEL and UNSUBSCRIBE, and will process clear opt-out requests as soon as technically feasible. Replying HELP returns the identity of PHI Cares and customer service contact information.

Delivery. Delivery of text messages is subject to effective transmission by your wireless carrier and is not guaranteed. PHI Cares is not responsible for delayed, failed, or undelivered messages resulting from carrier or network availability, technical failures, or other circumstances outside PHI Cares’ reasonable control. You represent that you are the subscriber or customary user of the mobile telephone number you provide, and agree to notify PHI Cares if you change, transfer, discontinue, or are no longer the subscriber or customary user of that number.

Privacy. The mobile number you provide, and how it is used in connection with service and marketing messages, is described in the PHI Cares Privacy Policy, including whether it is disclosed to SMS vendors or other service providers and the choices available to you.

PHI Cares may modify, suspend, or discontinue its text messaging program, or any feature of it, at any time. Material changes will be communicated or made available as required by applicable law.

Dispute Resolution, Arbitration and Class Action Waiver
Except for claims that may be brought in small claims court or other claims that cannot lawfully be subject to arbitration, any dispute, claim, or controversy arising out of or relating to these Terms and Conditions, a PHI Cares membership, or PHI Cares’ communications with you, including text messages, shall be resolved by binding individual arbitration rather than in court. You and PHI Cares agree that any such dispute will be brought solely on an individual basis and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. Nothing in this provision is intended to waive any right or remedy that cannot lawfully be waived.

Limitation of Liability
To the fullest extent permitted by applicable law, PHI Cares will not be liable for indirect, incidental, special, consequential, or punitive damages arising from the operation, availability, or use of the PHI Cares program or its text messaging program. Nothing in this provision limits or excludes liability to the extent such liability cannot lawfully be limited or excluded, and nothing in these Terms is intended to waive any non-waivable rights or remedies available under applicable law.

CA Residents Only: Notices Required by the Department of Managed Health Care

  1. Before You Purchase: If you have existing health insurance or are enrolled in an HMO, the benefits provided by an Ambulance Plan may overlap with your current coverage. Contact your insurance provider directly to inquire about ambulance service benefits.
  2. Warning: The Ambulance Plan is not an insurance program and will not reimburse other ambulance companies in certain circumstances, such as when another company is determined to provide faster service or when the plan is unable to respond promptly due to operational issues.
  3. Complaints: For complaints or questions about the Ambulance Plan, contact PHI Cares at 1.888.IFLYPHI (1.888.435.9744) first. If the issue remains unresolved, you can reach out to the Department of Managed Health Care at 1-888-466-2219 or visit their website at http://www.dmhc.ca.gov for complaint forms and instructions.
  4. Conditional Exemption: The Ambulance Plan operates under a conditional exemption from the Knox-Keene Health Care Service Plan Act of 1975 (Health and Safety Code section 1340 et seq.).

Acknowledgment
You acknowledge that all information included in your completed application is correct to the best of your knowledge, including all health insurance information.

By approving and submitting your application for PHI Cares membership, you agree to all of the Terms and Conditions set forth herein.

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