Am I obligated to use the most cost-effective facility after shopping with SmartShopper?

No. SmartShopper is completely voluntary. You can receive a reward by choosing any of the options suggested by SmartShopper. If you prefer to go to a facility that is not on the list of options suggested by SmartShopper, you can do that, too; you will not receive a reward, but you will have the benefit of knowing that there are lower cost options available to you if you want them.

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