The 1st Choice program is committed to providing members with Quality, Value and Convenience. Remember that a health savings card is not a substitute for your current health or dental insurance. It is a supplement that may save you substantial money each year by utilizing the services of the many reasonably priced, conveniently located, quality providers. Since there has been some confusion between traditional insurance and simple member discount cards, we recommend that you look at some websites that may answer any question you might have. Remember an informed consumer is our best member.