Read your contract carefully. On the last page is a sentence to the effect that RA renews automatically to the credit card used for the original purchase
A quote for the on-line benefits brochure, "Membership is continuous and will be automatically renewed to your credit card or invoiced to your address at the then current rate in effect."
The RA will renew about 4 months prior to your expiration with the new term added to the end of the previous term. You have time to cancel or modify the plan before the actual renewal.
