F12L24
TERMS & CONDITIONS
Renewal Conditions: By joining a plan, you are authorizing American
Sterling Dental Plans DBA DentaCard to bill your credit card or checking
account for the plan you have selected. This charge shall renew until
you notify American Sterling Dental Plans DBA DentaCard in writing of
its cancellation. By joining you indicate you have read the terms and
conditions of the plan. This plan will automatically terminate at the
end of your membership term for the plan you have selected.
Termination Conditions: American Sterling Dental Plans DBA DentaCard
and Careington International Corporation (Careington) reserve the right
to terminate plan members from its plan for any reason, including
non-payment. If American Sterling Dental Plans DBA DentaCard terminates
the plan or your membership for a reason other than non-payment, you
will receive a pro-rata refund of your membership fees.
Cancellation Conditions: You have the right to cancel within the
first 30 days after effective date or receipt of membership materials
(whichever is later) and receive a full refund, less the processing fee,
if applicable. If for any reason during this time period you are
dissatisfied with the plan and wish to cancel and obtain a refund, you
must submit a written cancellation request. American Sterling Dental
Plans DBA DentaCard will accept cancellation requests at any time and
will stop collecting membership fees in a reasonable amount of time, but
no later than 30 days after receiving a cancellation notice. Please
send a cancellation letter and a request for refund with your name and
member ID to American Sterling Dental Plans DBA DentaCard, DentaCard at
781 Beta Drive Suite I, Mayfield, OH 44143 or fax to 1-888-339-5418. You
may also submit cancellation requests by email: contact@dentacard.com.
When you cancel, you will continue to have access to the plan for the
remainder of the period for which you have paid; your membership will
terminate at the end of that period. The preceding sentence does not
apply to quarterly, semi-annual or annual memberships in FL, ND and OK,
where you will receive a pro-rata refund whenever you cancel.
Description of Services: Please see the enclosed materials for a specific description of the programs included in your plan.
Limitations, Exclusions & Exceptions: This plan is a discount
membership program offered by Careington. Careington is not a licensed
insurer, health maintenance organization or other underwriter of health
care services. No portion of any provider’s fees will be reimbursed or
otherwise paid by Careington. Careington is not licensed to provide and
does not provide health care services or items to individuals. You will
receive discounts for services at certain health care providers who have
contracted with the plan. You are obligated to pay for all health care
services at the time of service. Savings are based upon the provider’s
normal fees. Actual savings will vary depending upon location and
specific services or products purchased. Please verify such services
with each individual provider. The plan’s discounts may not be used in
conjunction with any other discount plan or program. All listed or
quoted prices are current prices by participating providers and subject
to change without notice. Any procedures performed by a
non-participating provider are not discounted. From time to time,
certain providers may offer products or services to the general public
at prices lower than the discounted prices available through this plan.
In such event, members will be charged the lowest price. Discounts on
professional services are not available where prohibited by law. This
plan does not discount all procedures. Providers are subject to change
without notice and services may vary in some states. It is the member’s
responsibility to verify that the provider participates in the plan. At
any time Careington may substitute a provider network at its sole
discretion. Careington cannot guarantee the continued participation of
any provider. If the provider leaves the plan, you will need to select
another provider. Providers contracted by Careington are solely
responsible for the professional advice and treatment rendered to
members and Careington disclaims any liability with respect to such
matters.
Complaint Procedure: If you would like to file a complaint regarding
your plan membership, you must submit your complaint in writing to:
Careington International Corporation, P.O. Box 2568, Frisco, TX 75034.
You have the right to request an appeal if you are dissatisfied with the
complaint resolution. After completing the complaint resolution
process, if you remain dissatisfied you may contact your state insurance
department.
Automated Reminders: We use the information you provide about
yourself or someone else to contact you when your plan is expiring. By
submitting your information, you agree we may email or call you using an
automated system regarding the renewal of your plan. You may opt out
at any time by emailing us at contact@dentacard.com or calling us toll free 1-877-333-6822.
THIS PLAN IS NOT INSURANCE and is not intended to replace health
insurance. This plan does not meet the minimum creditable coverage
requirements under M.G.L. c.111M and 956 CMR 5.00. This plan is not a
Qualified Health Plan under the Affordable Care Act. The range of
discounts will vary depending on the type of provider and service. The
plan does not pay providers directly. Plan members must pay for all
services but will receive a discount from participating providers. The
list of participating providers is at [applicable website]. A written
list of participating providers is available upon request. You may
cancel within the first 30 days after effective date or receipt of
membership materials (whichever is later) and receive a full refund,
less a nominal processing fee (nominal fee for MD residents is $5, AR
and TN residents will be refunded processing fee). Discount Plan
Organization and administrator: Careington International Corporation,
7400 Gaylord Parkway, Frisco, TX 75034; phone 800-441-0380. This plan is
not available in Utah, Vermont or Washington.
