HGAR 22.5 Hour Virtual Education Card—Buy a Virtual Education Card and Save $50 on 22.5 Hours of CE. Purchase the card for $175 to save and attend CE classes throughout the year at all 3 HGAR locations. In-person HGAR CE classes are eligible with the Virtual Education Card. Online courses, designation courses, certification courses WILL NOT be included in the purchase of the Virtual Education Card. EXPIRES one year from purchase date. After expiration date has passed, any unused portion will no longer be valid and is not refundable. Card is non-refundable and non-transferable.