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You pay 199/year and it covers delivery and install on everything you buy that year + a warranty. I had a refrigerator delivered and installed and it would have cost me that much for just the delivery and install on this one item. A couple of months later I bought an 86" tv and the delivery and install was free. This works on a lot of stuff that Best Buy offers. For me it was worth it. There is also a 60 day return window I believe. The warranty is only good for two years, after that I will cancel the total tech membership.
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