Membership details, disclosures, and policies.
This plan is not insurance. This is your agreement as Cardholder with Gallagher Affinity Insurance Services, Inc. (a “discount plan organization,” “DPO”). It is effective on the date of acceptance of Cardholder’s application for enrollment in the American Dental Discounts Program (“Program”) and for the period of your plan.
DPO shall provide Cardholder with a listing of participating providers. Cardholder shall excuse DPO from any liability for errors in such listings. Providers are subject to change without notice. Cardholder is responsible for choice of provider, verification that the provider is a current participant and for payment for goods and services. No portion of any provider’s fee will be reimbursed or otherwise paid by DPO. Cardholder is solely responsible for payment. Savings are based on the provider’s usual fees or on national or regional fees for the service or product. Actual savings will vary depending upon Your location and the specific products or services purchased. Providers may offer certain products or services to the general public at prices lower than the Program price. In that event, members will always be charged the lower price. This is a discount program and not insurance. Program discounts cannot be used in conjunction with any other network based program.
Participating providers are solely responsible for the quality of service or product purchased by Cardholder and DPO disclaims any liability with respect to such matters. DPO reserves the right to modify any benefits, including provider networks, included in Your Program. If your state requires that we notify you of changes to your benefits, DPO will do so.
Payment of membership fee is made by the billing source authorized by You in accordance with the payment terms to which You agreed. DPO reserves the right to increase or decrease the membership fee for each renewal membership term effective upon renewal of Your membership. To change your method of payment, call the customer service number on your membership I.D. card. Membership is not transferable. For individual memberships, only you may use the membership. If you have an individual plus one membership, only you plus one other individual may use the membership. For family memberships, only you and anyone living in your household may use the membership. Should a single member wish to add family members on a family plan, call the customer service number shown on the membership I.D. Card.
General Complaint Procedure: Complaints of any nature may be filed with Gallagher Affinity Insurance Services, Inc. the discount plan organization at 2850 W. Golf Road, Rolling Meadows, IL 60008. Complaints will be acknowledged in writing within 5 business days and will be resolved in writing to you within 30 calendar days. Should you remain dissatisfied with the results from your complaint with the discount plan organization, you may contact the Commissioner of Insurance, Division of Insurance, the insurance department, or other agency which regulates this product in your state. Contact us at 888-868-6199 to obtain state complaint contact information.
Termination and Cancellation: You may terminate Your membership at any time by logging in to www.americandentaldiscounts.com and submitting a cancellation request on the Contact Us page, calling us at the toll free number 1-805-000-0000, emailing us to "help@americandentaldiscounts.com (preferred for faster processing), or You may notify us in writing at Member Services, American Dental Discounts, Miami, Florida, 33179. Your cancellation will be effective promptly upon the receipt of Your cancellation notice and You will no longer be billed for Your membership. DPO reserves the right to terminate your membership at any time for any reason.
All Members: You have the right to cancel this plan within 30 days after the effective date for a full refund of fees paid.
Annual Members Only: After the first 30 days, if a membership is cancelled by You or DPO for any reason other than non-payment of fees, You are eligible for a pro-rata refund of membership fees.
Governing Law and Arbitration: Your membership is governed and controlled by the laws of the State of Illinois. Any dispute arising from or related to Your membership shall be resolved by binding, non-appealable private arbitration conducted in accordance with the Rules of American Arbitration Association in Chicago, Illinois, unless required by a member’s individual state laws to resolve in a different location. This provision shall survive the termination of Your membership and shall be subject to the Federal Arbitration Act.
Governing Law and Arbitration for Montana and Oklahoma Residents: Your membership is governed and controlled by the laws of your state. Any dispute arising from or related to Your membership shall be resolved by a voluntary private arbitration conducted in accordance with the Rules of the American Arbitration Association in your state. This provision shall survive the termination of Your membership and shall be subject to the Federal Arbitration Act.
South Dakota Residents: If you cancel the program you are not obligated to make further payments for the program, nor are you entitled to any program benefits for any period of time after the last month for which payment has been made.
Disclosure. This plan is NOT insurance. This plan is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. Discounts on hospital services are not available in Maryland. The plan provides discounts at certain health care providers of medical services. The plan does not make payments directly to the providers of medical services. The plan member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount plan organization. The range of discounts will vary depending on the provider type and services provided. The discount plan organization is Gallagher Affinity Insurance Services, Inc., at 2850 Golf Rd, Rolling Meadows, IL 60008 888-868-6199. To view a list of participating providers visit www.americandentaldiscounts.com. You have the right to cancel this plan within 30 days of the effective date for a full refund of fees paid. Such refunds are issued within 30 days of cancellation.
Refund Timing. Eligible refunds are issued to the original source and/or form of payment within 10 business days after cancellation is processed (or the shortest period required by applicable law).
Privacy; Communications. Our collection and use of personal information is described in the American Dental Discounts Privacy Policy webpage section on this website. Your communication preferences and any marketing consents can be managed at any time by Calling our Customer Service i.e. 1-805-000-0000 or by emailing us to help@americandentaldiscounts.com.
Program Administrator. American Dental Discounts is a dental discount savings program. American Dental Discounts manages member enrollment, billing, and customer support for this program. This is not insurance; members pay participating providers directly for discounted services.
Provider Directory Updates. Networks are subject to change. We attempt to promptly correct verified inaccuracies and, upon request, may assist members in locating participating providers in their area. For any such requests, members can call our Customer Service Number i.e. 1-805-000-0000 or email us to help@americandentaldiscounts.com.
Telephone Enrollment Procedures. American Dental Discounts memberships are available exclusively through phone enrollment. During the enrollment call, all program details including plan costs, billing frequency, refund and cancellation terms, and the fact that this is not insurance are clearly explained before any payment is processed. Calls may be recorded for quality and compliance purposes. Members receive a Welcome Letter by mail, or email, that confirms the details of their plan and explains how to contact us or cancel at any time.
Pricing & Billing Summary. Pricing, billing frequency, any enrollment or processing fees, monthly, quarterly, half-yearly, or annual fees and renewal terms for your specific offer plan selection are disclosed clearly read out and explained to you prior to your consent and payment during your phone-based offer plan enrollment procedure. The Welcome Letter we send you via physical mail and/or email and/or SMS text repeats these terms and how to cancel at any time.