This is your Agreement, as Cardholder, with Health Dental Plus. It is effective on the date of acceptance of Cardholder’s application for enrollment in the Health Dental Plus Plan (“Plan”).

Health Dental Plus shall provide Cardholder with a listing of participation providers. Cardholder shall excuse Health Dental Plus from any liability for errors in such listing. Cardholder is responsible for choice of provider, verification that the provider is a current participant in the Plan, and payment for goods and services.

Savings are based on the provider’s usual and customary fees, or on national or regional fees for the service or product. Your actual savings will vary depending upon your location and the specific products or services purchased. All listed or quoted Health Dental Plus prices or fees are current prices only and are subject to change without notice. From time to time certain providers may offer certain products or services to the general public at prices lower than Health Dental Plus price. In that event, members will always be charged the lower price.
Plan benefits may vary in some states. Health Dental Plus providers are subject to change without notice. The Plan may be discontinued or modified at any time. Health Dental Plus discounts cannot be used in conjunction with any other discount program.

You may cancel your membership because of a modification. Should you choose to do so, the liability of Health Dental Plus shall be limited to a refund of membership fees paid for the period subsequent to the modification.
Health Dental Plus Benefit Plan is a discount program only, and is not insurance. No portion of any provider’s fee will be reimbursed or otherwise paid by Health Dental Plus. Cardholder is solely responsible for payment. Health Dental Plus shall not be responsible for review of any Plan purchase which is solely between Cardholder and participating providers.

Health Dental Plus has negotiated these discounts with the provider to acquire the best possible discount, much the way large companies do for their employees. Although Health Dental Plus screens participating providers to ensure appropriate credentials and qualifications to provide goods and services, Health Dental Plus does not otherwise guarantee nor is responsible for the quality of such service or products purchased by Cardholder.
Health Dental Plus may delegate its responsibilities to administrators it may appoint as it deems reasonably necessary to perform its obligations under the Plan. Any administrators and participating providers are independent contractors: they are not employees, partners, or joint ventures with Health Dental Plus.

Term. This Agreement shall be month to month subject to payment of the cardholder fee.

Entire Agreement. This is the entire agreement between Cardholder and Health Dental Plus. Any representation, warrant, promise, or condition not expressly stated here shall not be binding. This agreement including any schedules or exhibits may be amended only in writing expressing an intent to modify this agreement. The parties agree that they will make no claim at any time or place that this Agreement has been orally altered or modified.

Governing Law. This Agreement and its interpretation and enforcement or void for any reason, it shall be severed from the Agreement, which shall not affect the validity of the remaining provisions.

ERISA. In the event the Employee Retirement Income Security of 1974 (“ERISA”) applies to a Cardholder’s benefits under the Plan, this Agreement is not intended to make Health Dental Plus or its administrators a Plan Administrator or fiduciary within the meaning of ERISA.

Effect of Any Ambiguity. The parties have attempted to draft a clear and unambiguous document. In the event they have been unsuccessful, any ambiguity is to be resolved without resort to the presumption that either party drafted any particular section and that any ambiguities in that specific section should thus be construed against that party.

No Third Party Beneficiaries. There are no persons who are intended by the parties to be third party beneficiaries under this agreement, and no action to enforce the terms of this Agreement may be brought against either party by any person who is not a party hereto.

Arbitration. Any Dispute arising from or related to this Agreement shall be resolved by binding, non-appealable private arbitration conducted in accordance with the Rules of the American Arbitration Association in Chicago, Illinois. This Provision shall survive termination of this Agreement, and its interpretation shall be subject to the Federal Arbitration Act.