Terms Of Use
1. Terms
By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.
2. Use License
a. Permission is granted to temporarily download one copy of the materials (information or software) on FCL Dental's web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
i.modify or copy the materials;
ii.use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
iii.attempt to decompile or reverse engineer any software contained on FCL Dental's web site;
iv.remove any copyright or other proprietary notations from the materials; or
v.transfer the materials to another person or "mirror" the materials on any other server.
b.This license shall automatically terminate if you violate any of these restrictions and may be terminated by FCL Dental at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
3. Disclaimer
a. The materials on FCL Dental's web site are provided "as is". FCL Dental makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, FCL Dental does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.
4. Limitations
In no event shall FCL Dental or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on FCL Dental's Internet site, even if FCL Dental or a FCL Dental authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
5. Revisions and Errata
The materials appearing on FCL Dental's web site could include technical, typographical, or photographic errors. FCL Dental does not warrant that any of the materials on its web site are accurate, complete, or current. FCL Dental may make changes to the materials contained on its web site at any time without notice. FCL Dental does not, however, make any commitment to update the materials.
6. Links
FCL Dental has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by FCL Dental of the site. Use of any such linked web site is at the user's own risk.
7. Site Terms of Use Modifications
FCL Dental may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.
8. Governing Law
Any claim relating to FCL Dental's web site shall be governed by the laws of the State of TX without regard to its conflict of law provisions.
General Terms and Conditions applicable to Use of a Web Site
9. Cancellation, Refund, and Termination Policy
Cancellation during
first 10 days: During a period of 10
days after the date the policyholder receives the policy, the policyholder may
cancel the policy and receive from the insurer a prompt refund of any premium
paid for the policy, including a policy fee or other charge as
applicable, by mailing or otherwise surrendering the policy to the insurer
together with a written request for cancellation. If a policyholder or
purchaser pursuant to such notice returns the policy or contract to the company
or association at its home or branch office or to the agent through whom it was
purchased, it shall be void from the beginning and the parties shall be in the
same position as if no policy or contract had been issued.
Cancellation after 10
days: A policyholder may cancel the policy after the first 10 days
following receipt of the policy by giving written notice to the insurer
effective upon receipt or on a later date as may be specified in the notice. In
the event of cancellation, the insurer shall promptly refund
to the policyholder the excess of paid premium above the pro rata premium for
the expired time determined on a monthly basis or increment. Any
enrollment fee or administration fee paid at the time of enrollment SHALL
NOT be refunded.
Refund: All
premium refund requests must be submitted in writing via U S mail, facsimile or
email. Once received, the request will
be reviewed and processed according to the Company refund policy. If the policyholder is eligible for a refund
upon cancellation or termination of the policy, the Company will return to the policyholder
the pro rata portion of the premium for any unexpired period for which payment
has been received, not to exceed 9 months of premium refund. Any Enrollment or
Activation Fee Paid will not be refunded. All refunds will be issued within 30
days of receipt of the notice of cancellation.
No refund will be allowed for any expired period if the Company was not
notified of such termination. Termination of
Benefits: In accordance with the policy, an eligible policyholder or
eligible dependent's enrollment under this policy may be cancelled or renewal
of enrollment refused. The Company may cancel or terminate the agreement in the
following scenarios:
·
- Loss of eligibility as described in the Evidence
of Coverage
i) Cancellation is effective immediately upon
receiving written notice regarding the loss of eligibility
ii) Policyholder is eligible for a refund in
accordance with the refund policy
iii) Coverage for the policyholder and his/her
dependents shall cease effective the last day of the month in which the
termination occurred
i) Cancellation is effective immediately upon
receiving written notice regarding the loss of eligibility
ii) Policyholder is eligible for a refund in
accordance with the refund policy
iii) Coverage for the policyholder and his/her
dependents shall cease effective the last day of the month in which the
termination occurred
- Policyholder engages in conduct detrimental to
safe operations and the delivery of services while in a network dentists’
facility
i) Cancellation is effective upon 15 days written
notice from the Company to the policyholder
ii) Policyholder is eligible for a refund in
accordance with the refund policy
ii) Coverage for the policyholder and his/her
dependents shall cease effective the last day of the month in
which the termination occurred
i) Cancellation is effective upon 15 days written
notice from the Company to the policyholder
ii) Policyholder is not eligible for a refund
iii) Policyholder may continue to receive benefits
during the 15-day period and may be reinstated during the term of policy upon
payment of any unpaid premium
- Policyholder knowingly commits or permits
another person to commit fraud or deception in obtaining benefits under the Company
dental insurance program
i) Cancellation is effective upon 15 days written
notice from the Company to the policyholder
ii) Policyholder is not eligible for a refund
iii) Coverage for the policyholder and his/her
dependents shall cease effective the last day of the 15 day period
- A policyholder may cancel the agreement and
receive a refund in accordance with the refund policy under the following
scenarios:
i) No in-network dentist is available to the
policyholder
ii) The policyholder has moved out of the Company's
service area
iii) The policyholder changes to a coverage under a
group program
Cancellation notices from the policyholder must be sent 30
days in advance in writing via email, mail or fax, and received by the Company at:
Email:
[email protected]
Mail: OraQuest
Dental Plans
Attn:
Eligibility Department
101
Parklane Blvd., Suite 301, Sugar Land, Texas 77478
FAX: OraQuest
Dental Plans
Attn:
Eligibility Department
(832)
415-0131