Please note that this is not insurance and payments are not made directly to service providers. It is a discount program, and you are obligated to pay for all care services. You will receive discounts for services at certain providers who have contracted with the plan. The program and its administrators or Scarlet's Insurance Services, Inc. have no liability for providing or guaranteeing service or the quality of service rendered. Note to Utah residents: this contract is not protected by the Utah Life and Health Guaranty Association.