Disclosures:
• This is not an insurance plan. • You get savings through discounts only at our contracted provider for services as described in this brochure. No other services are offered or provided. • The Co-Health Group Collegiate Plan does not make any payment directly to a provider or member for benefits described herein. • The plan member is obligated to pay for all health care services received. The member will receive a discount at time of purchase or service only from those providers who have contracted through the plan. • If, for any reason, within thirty (30) days of inception of membership, you are not completely satisfied with Plan Benefits you may request cancellation and receive a refund of monies paid. (Subject to a $25 processing fee.) • Since the Co-Health Collegiate Plan is not Insurance it does not contain any health restrictions.You can use benefits immediately when you receive your ID Card. • Florida Discount Medical Plan Organization: NewBN, Inc. D/B/A New Benefits LTD. 14240 Proton Road Dallas, TX 75244

Welcome Students, We are pleased to welcome you to the Co-Health Group Collegiate Plan. This Plan has been specifically designed to meet the needs of today’s College and University students (international or domestic) attending school in the United States. The Co-Health Plan provides you with the savings, through discounts, in certain Health Care. In the Collegiate Plan we are offering these savings on the Vision, Dental and Pharmacy Programs. They are the three Health Care areas where you are most likely to incur unexpected expenses during the school year. Now you can get substantial savings to help you offset these expenses. And you can use the Collegiate Plan benefits where you go to school, at home or if you are traveling anywhere in the United States. This is not an Insurance Plan. It is a Health Care Discount Plan where , as a member of the Co-Health Group Collegiate Plan, you can go to any of the Professional Providers within each of the Provider Networks (Vision, Dental and Pharmacy) who have agreed to provide their products and services on a Specially negotiated discount basis. To locate these providers, go to www.dentalvisionrxdiscount.com and you will find our providers throughout the United States listed by zip code. You can join all three Plans, and save even more, or you may select any one or two. You simply go to one of our providers, show your ID Card and the rest is easy. You get your savings on the spot and there is no paperwork to complete or payment to wait for. If at any time you need assistance please go to www.dentalvisionrxdiscount.com and you can complete the application. Sincerely,

Dental Plan
The Co-Health Dental Plan is the newest concept in Discount Dental. Here is how it works. Every procedure a Dentist performs has a specific fee for it called the Usual and Customary fee (U&C). This fee varies slightly by geographic region in the country and is usually set by a Dental Board.* The Co-Health Dental Plan has a fee schedule that is discounted off the U & C schedule. The discounts range from 15% - 50%, saving you important dollars. Virtually all dental procedures are included in the Co-Health Dental Plan. All dental specialties are available, including Orthodontics. There are over 66,000** participating dentists throughout the United States. As a member, through the Co-Health Group Collegiate Plan, you will have access to, what we believe is, the finest Discount Dental Plan available in the United States. * Anticipated national average dental charges for the
2006 calendar year based on the comparison of providers negotiated fees to national average dental charges. Actual costs and savings vary by provider and geographical area.

Vision Plan
Co-Health and Coast to Coast Vision have combined to bring you a Vision Plan that is probably the finest Discount Vision Plan in the United States.

• You save 20% - 60% on Lenses and Frames • You save 10% - 30% on Eye Exams • You save 10% - 40% on Prescription Contact
Lenses and Disposable Contact Lenses. (Mail Order Contact Benefits are not available in New Jersey) You get your savings at one of our provider locations. Over 10 million Americans are enjoying similar benefits through over 12,000 provider locations nationwide. You can select from any item in the store plus any add-on (tinting, scratch resistant, etc.) and you can go to the top retail vision outlets (Lenscrafters, Pearle Vision, Nu-Vision, Sears, etc.), plus thousands of independents. All of the above plus our two great guarantees: 1. Low Price – We guarantee the price you pay for prescription eyeglasses is the lowest price anywhere in the US. If, within 30 days, you can find the identical eyeglasses at a lower cost we will refund the difference. Satisfaction – If, during the first 30 for any reason, you are not completely satisfied, return the glasses for a new pair or a 100% REFUND.

2.

You get great prices, unlimited selections, no limits on usage or quantities, PLUS…

** According to the Aetna Enterprise Provider Database as of March 1, 2006.

Ophthalmic Benefits
This is a Network of Opthalmologists who provide medical care for the eyes, including Lasik Surgery, at a discount 10% - 30%. This is an additional benefit of this Vision Plan.

• Pharmacy discounts are not Insurance and are not intended as a substitute for Insurance.

Terese M. Harkins President

Application for Co-Health Group Collegiate Plan Discount Card
Last Name Date of Birth Home Address City School Name State First Name Home Phone Apt. # Zip School ID MI

Pharmacy
Co-Health and SAV-RX (our Pharmacy Benefit Management Company – PBM) bring you the Co-Health Pharmacy Plan. The Pharmacy Plan has two components:

Highlights
• You can use benefits near school, home or anywhere in the United States. • No Age restrictions. • Over 100,000 providers across the United States who offer their products and services. • To locate providers (you’ll receive a list after joining) visit our website www.dentalvisionrxdiscount.com where they are listed by zip code across the United States, call the appropriate 800 number on the back of your ID Card, or call Associated Insurance Plans International, Inc. at 800-452-5772.

Dependents (Names and Date of Birth):

Retail Pharmacy Outlets There are over 58,000 participating pharmacies in the United States (95% of all pharmacies in the country). This includes all national and regional chains plus thousands of independent pharmacies.
You save up to 35% on brand name drugs and up to 70% on generics. In addition, you get a low price guarantee. Occasionally, a pharmacy may buy a large quantity of a given drug and then sell it for a very low price. You are guaranteed to pay either our contracted price or the price the pharmacy is selling it for, whichever is lower.

Dental,Vision, and Pharmacy Discount Card

Student Only ____ Dental/Vision/Pharmacy ____ Dental & Vision ____ Dental & Pharmacy ____ Vision & Pharmacy ____ Dental Only ____ Vision Only ____ Pharmacy Only Family ____ Dental/Vision/Pharmacy ____ Dental & Vision ____ Dental & Pharmacy ____ Vision & Pharmacy ____ Dental Only ____ Vision Only ____ Pharmacy Only

Annual Cost Online Check or Credit By Mail $72.00 $62.00 $62.00 $52.00 $62.00 $52.00 $40.00 $30.00 $50.00 $40.00 $25.00 $15.00 $25.00 $15.00 Online or Credit $88.00 $79.00 $79.00 $50.00 $70.00 $30.00 $30.00 Check By Mail $78.00 $69.00 $69.00 $40.00 $60.00 $20.00 $20.00

Mail Order Pharmacy For those taking maintenance medications, our Mail Order Pharmacy can provide additional savings over a retail price. You simply call SAV-RX, at their toll free 800 number, send your prescription to them and your medications are delivered to your home. Re-orders, based on refills available, are done with a single phone call.
Certain brand name drugs are available from Canada, through our Mail Order Pharmacy. The service representative will automatically advise you if your medication is available from Canada. If you wish to check the mail order cost of a specific medication you can go to our website, where they are listed by name, strength, dosage and cost. The prices shown are only guaranteed for ten (10) days. SAV-RX also makes many over the counter items available at great discounts. Simply ask them to send you a catalog (no cost to you). 800-373-0881

For assistance please call: Associated Insurance Plans International, Inc. Post Office Box 189 Libertyville, IL 60048-9758 Phone: 800-452-5772 Fax: 847-281-8813 www.AIPStudentInsurance.com email: office@AIPStudentInsurance.com

• No claim forms to fill out • No pre-existing conditions excluded • Does not conflict with any existing insurance • No age restrictions • No waiting periods • No deductibles or maximum • Over 100,000 participating providers nationwide

Paid By: __Check __Credit Card: __Visa __MC __Amex __Discover Credit Card # ___________________ Exp Date:_______ Signature:_______________________ Date:__________ Please see Disclosures on the opposite side of this application To enroll online: www.dentalvisionrxdiscount.com Return Application to: Associated Insurance Plans International, Inc. Post Office Box 189 Libertyville, IL 60048-9758 Or fax it to 847-281-8813

Direct all inquiries regarding enrollment to:

Post Office Box 189, Libertyville, Illinois 60048-9758 800.452.5772 847.281.8813 fax www.AIPStudentInsurance.com