This Program renews on the anniversary of the contract term unless we provide notice of a change in premiums or Benefits. We will send you a written renewal notice, including any proposed changes in Benefits and/or Premium at least 30 days before your coverage expires. Your coverage will terminate after 12 months unless you renew by paying the applicable Premium on or before the expiration date.

Receipt of the applicable Premium by us after termination of your coverage will reinstate your coverage unless payment is received more than 15 days after termination and we refund such payment within 20 business days. You may request reinstatement of coverage for up to one year following the expiration date. However, reinstated coverage will always be retroactive to the date immediately following the end of the previous term. If a later date is requested, which would result in a gap in coverage, you must complete new enrollment forms and pay the enrollment fee as well as the annual Premium.

All Benefits terminate for any Enrollee as of the date that such person ceases to be eligible under the terms of this Program, or such person's enrollment is cancelled under the terms of this Program. We are not obligated to continue to provide Benefits to any such person in such event, except for completion of single procedures commenced while this Program was in effect.