| What the offer says | What you need in writing |
|---|---|
| Discount on insurance | Which premium receives the discount, who qualifies and how long it lasts. |
| Member-exclusive benefit | The required membership and exact policy or enrollment route. |
| Prescription saving | Participating pharmacy, eligible drugs, quantities and exclusions. |
| Wellness benefit | Whether it is insurance, a scheduled reimbursement package or a separate membership. |
Keep the promotion terms beside the policy, not instead of it. If both an insurer and a retailer appear on the page, find which organization answers benefit questions and which handles claims. A large retailer’s name is not itself an insurance guarantee.