The Minimum Essential Coverage Program is not a health insurance policy. By enrolling, you are purchasing a discount minimum essential coverage membership plan offered by Sick N Well. This membership entitles you to receive all pre-selected services provided by participating partners at predetermined rates during regularly scheduled hours of operation, (For specific hours of operation, please visit any of our providers websites.)
Upon enrollment you are entering into a 12-month term. A 30-day termination period will begin at the end of the original 12-month contract period. If the contract is not terminated by the member during the 30-day termination period, the contract will automatically renew for another 12-month term.


  • MONTHLY FEES  – payments for the entire month of coverage are due on or before the day of enrollment for your membership prior to the coverage month. Payments will be auto-deducted from your payment information on file. It is the responsibility of the Sick N Well card holder to keep Sick N Well updated on payment information changes. 
  • ENROLLMENT FEE – $25.00 (1) One time fee due at the time of enrollment into the membership program which covers all initial costs such as: the member’s guide, processing, enrollment and the member’s benefit card.
  • RETURNED CHECK FEE – $25.00.
  • LATE FEE – $15 per month. The late fee will continue to be assessed every month until the account is brought current. 
  • CANCELLATION FEE – equivalent to balance owed for the 12-month period which includes membership fee and months outstanding at program rate. 
  • MEMBER DEMOGRAPHICS – Member is responsible for keeping Sick N Well informed of any change to Member's billing, mailing, and contact information. 


Sick N Well reserves the right to adjust and change any Fees at any time for any reasons with a 2-week notice to its Members via mail, email, or telephone.


If Member's Membership is cancelled for whatever reason, Member may only re-enroll in the program by paying all outstanding balances, and a three (3) month re-enrollment fee based on the plan you have selected. Then, the Member agrees to re-enter into another 12-month term.


A membership will automatically be suspended if the monthly payment is not received by the 1st of the coverage month (late fee will apply) after which time, the Member will lose eligibility to receive services at a discounted rate at any participating locations. Members must pay the coverage month premium and applicable late fees before the membership is reinstated.


A membership will automatically be cancelled if the monthly payment is past due 30 days of the statement due date (Ex: April 1st is 30 days past due for a due date of March 1st for coverage for the month of March), after which time Member will lose eligibility to receive services at a discounted rate at any participating providers. _________(Initials)


Sick N Well reserves the right to cancel anyone’s membership for creating a hostile environment, creating or generating a negative atmosphere or refusing to de-escalate when asked to. Sick N Well nor any of our participating providers will tolerate anything less than a professional environment. Sick N Well reserves the right to decide to either apply or not apply the above Cancellation fees.


Sick N Well and the providers we have contracted with will require that all cash payments be made before the service is performed to ensure the integrity of the program. If any member is unable to provide adequate payment at the time of the service/appointment/consultation, the provider has been instructed to reschedule.


Cancellation Fees will not apply if Cancellation occurs after the 12-month term is completed and notice is provided by Member to Sick N Well of non-renewal or within the 1st month of membership.


After cancellation, Members can continue to receive services at the pre-negotiated discounted rates until the last date of the Membership Period, but not thereafter.


Member is not entitled to a refund of any Non-Refundable Enrollment Fee, Services Fees, or Membership Fees paid for the 12 month term. Members are entitled to a full refund of all Membership Fees paid in advance beyond the contract termination date of the . Sick N Well shall have 30 days from the date of cancellation to refund any Refundable Fees.


Medical services at all participating locations are provided within the scope of training and practice in the area of their trained profession. All participating providers reserve the right to refer ANY patients to other facilities or specialists for further evaluation and treatment as deemed necessary, being in the best interest of the patient and the medical facility. All Members agree to follow our provider’s medical advice. Members may not dictate how our medical Providers should diagnose or treat them. Members may not tell the Provider what labs, tests, x-rays, or referrals to order, or not to order.


This membership program does not include chronic pain management with opioids, alcohol or substance abuse and/or withdrawal treatment, or treatment for chronic conditions, or primary care treatment. The Membership Program does not include services for Workers Compensation injuries or injuries that occur while the patient is at work.


  • Identification. A valid form of ID (driver license, passport, or state ID) is required for enrollment. Members must also present a picture ID and their Sick N Well card at each clinic visit as a patient.
  • Minors. Anyone under the age of 18 may enroll as a member, only if a parent or legal guardian is also registered in the Sick N Well system & financially responsible for the minor. Minors must be accompanied by the parent or legal guardian to be evaluated and treated by our medical providers, or sign a consent upon registration authorizing the minor patient to be evaluated and treated without being accompanied by the parent or legal guardian.
  • Delinquent Payments & Outstanding Balances. All outstanding balances or any collection balances with QCARD must be paid in full before a patient can enroll to become a Member of Sick N Well.
  • Assignment. Membership in the Discount Program is not assignable or transferable in any way.
  • Medicare, Medicaid and Health Insurance. Members who also have Medicare, Medicaid, or Health Insurance plans that Sick N Well is contracted to be a provider for, agree to NOT seek reimbursement of payment from their insurance plans for services received under this Discount Program.
  • Right to Request Identification and Proof of Dependency. The company reserves the right to request identification of any member and / or request proof of dependency by asking members to provide a birth certificate or adoption certificate.
  • Right to Refuse Membership or Treatment. The Company reserves the right to refuse Membership to any person for any reason. Sick N Well medical Providers may refuse treatment to any Member who fails to abide by the Terms and Conditions of this Discount Program or who fails to follow Provider's medical advice, referral, or treatment plan.
  • Limitation of Actions. Any legal action against the Company for a default of its obligations to the Member must be commenced within one (1) year from the date the default was, or should have been, discovered. Disputes. Any disputes arising under or related to Membership in the Discount Program shall be resolved according to the Company's Dispute Resolution Procedures on file with the Florida Department of Insurance.


  • Notices. All information required to be provided to the Company under this Agreement should be made in writing to the following address: Sick N Well, LLC PO Box 2066 Lecanto, FL 34460.
  • Governing Law. This Agreement shall be governed by and construed the laws of the State of Florida.
  • Severability. If any provision of this Agreement or portion thereof is determined by a court of competent jurisdiction, or declared under any law, rule or regulations of unenforceable, then such provision will, to the extent permitted by the court or government not be voided but will instead be construed to give effect to its intent to the maximum extent permissible under applicable law and the remainder of this Agreement will remain in full force and effect according to its terms.
  • Entire Agreement; Modification; Waiver. This Agreement constitutes the entire agreement of the parties concerning its subject matter and supersedes any and all prior or contemporaneous, written or oral negotiations, correspondence, understandings and agreements between the parties respecting the subject matter of this Agreement. No supplement, modification, or amendment to this Agreement shall be binding unless evidenced by a writing signed by the party against whom it is sought to be enforced. No waiver of any of the provisions of this Agreement shall be deemed or shall be binding unless executed in writing by the party making the waiver. Sick N well is not insurance but is licensed and regulated by the Florida Department of Insurance. Sick N Well provides discounted, fixed pricing at all contracted providers. Sick N Well members are responsible to pay for the services that are provided directly to the contracted provider. Sick N Well does NOT pay providers directly for any services rendered. Sick n Well assumes zero liability and /or responsibility for any services by contracted providers. Sick N Well is a licensed DMPO.
  • Sick N Well is here to provide the communities we serve with the best and most affordable minimum Essential Coverage Plan.

    Please accept our warmest welcome to the Sick N Well Membership Program. We look forward to serving you and your family.

    Should you have any questions or issues, please call our Customer Service at 1-877-346-WELL.