Medical Sales Advocates Member Terms & Conditions


  1. Member understands that Medical Sales Advocates is not an insurance company or program. Insurance Payments are made by the administrator for the insurance company issuing the coverage to eligible Members.
  2. Medical Sales Advocates provides savings to its members on services through a number of sources. The current list of benefits may be modified through additions or deletions. A letter, posted on our website or sent via email, will keep members up to date on benefits and other pertinent information.
  3. Member agrees that Medical Sales Advocates membership fee may change from time to time due to cost of benefits and services offered.  Medical Sales Advocates will notify membership of increased membership fees by mail and/or email.
  4. Payments for Medical Sales Advocates membership are due in advance.  Your initial pro-rated payment will be automatically drafted on your enrollment date. The master policy's anniversary date is October 1.Membership renewal payments for the full cost of annual membership will be automatically charged to the credit/debit card on file, on or around September 10th of each year following your initial pro-rated membership term, unless otherwise notified. If you choose to cancel your membership, it is your responsibility to make sure your membership card and written request for cancellation are sent to Medical Sales Advocates at least 15 days prior to your payment date in order for your account not to be charged additional fees. An email notification counts as written confirmation.
  5. Members hereby understand and agree that it is their responsibility to contact the Medical Sales Advocates office to renew or update credit cards or bank cards that have expired. Medical Sales Advocates will not be responsible for lapses in membership due to declined payments.
  6. Member hereby appoints, Medical Sales Advocates President, or failing this a person, a Medical Sales Advocates Director, as proxy holder for and on behalf of the member with the power of substitution to attend, act and vote for and on behalf of the member in respect of all matters that may properly come before the meeting of the members of Medical Sales Advocates and at every adjournment thereof, to the same extent and with the same powers as if the undersigned member were present at the same meeting, or any adjournment thereof. Annual meetings are to be held in Oklahoma. The meeting date and location will be set in an announcement on this website at least 28 days in advance.
  7. Medical Sales Advocates reserves the right to terminate any enrollment or deny eligibility in enrollment for lack of payment to Medical Sales Advocates. Returned checks, insufficient notices on bank drafts, denial by the member's credit/debit card company/bank for payment of the membership fee is deemed to be evidence of non-payment by a member. There will be a $20.00 charge to have your membership reinstated after such denial. If reinstatement of non-payment happens more than once, a $50.00 reinstatement fee will apply.
  8. In the event of a dispute, member agrees to resolve such dispute solely by binding arbitration which shall be governed by the laws of the state of Oklahoma and enforceable at Oklahoma City, Oklahoma County. Please note: This does not apply to the PL/GL policy which has its own provisions.
  9. Membership canceled within the first 30 days of enrollment may be eligible for a refund if the membership card and written cancellation requests are mailed to Medical Sales Advocates. Approved refunds will be processed within approximately 30 days after cancellation.  PLEASE NOTE: following the initial 30 day period, MSA membership fees, inlcluding the insurance premiums, are fully earned and non-refundable.
  10. Membership is effective on the date of enrollment acceptance by Medical Sales Advocates.