Terms and Conditions

Membership/Discount Plan Summary

This Agreement explains the terms that you agree to, once you enroll in this plan, which is administered by the Discount Medical Plan Organization, Plan Forward, Inc. (“Plan Forward”). By enrolling, you acknowledge that you have read these terms and agree to be bound by them.

The plan is a membership/discount plan and membership entitles you to receive discounts on certain services provided at the dental practice, at prices which are listed in the Savings Summary. These discounts may vary depending on the participating Provider and the services that you receive. These savings, which are calculated as a % off the Provider’s Usual & Customary Rates (UCR) may vary as UCR changes. From time to time, the Savings Summary may be updated, which may affect the discount you receive for applicable services.

Please visit the website at www.planforward.io/legal to view a list of the participating providers who offer this plan.   Plan Forward does not guarantee the continued participation of any Provider. A Provider can terminate their participation in the Plan at any time, without any prior notice. In such cases, members can select a new Provider from the list of participating providers, listed on this website. Or if the member prefers, they may cancel their membership and may be entitled to a refund according to our Cancellation Policy (Section 8).

Members must pay the Provider for dentistry services at the time of service, according to their policies on payment and their fee schedule. Plan Forward will not reimburse the Provider for any portion of the fees owed. Providers are solely responsible for the services and products that members receive. Plan Forward has no liability with respect to the provision of such services and products.

Note that this plan is NOT insurance and may not be used if you are a part of any other discounted health program or have any government or private insurance.

Providers may, at their discretion, offer services or products to the general public at prices lower than the Savings Summary prices available through the Plan Subscription.

Plan Forward is not responsible for the services or products provided with the membership, and is not liable for any misdiagnoses, treatment errors, or other acts or omissions of the Providers. In addition, we cannot guarantee that a Provider will continue to participate in the Plan.

  1. Plan Description

On enrollment, a Member subscribes to a plan for 12 months with auto-renew. Members can opt out of auto-renew at any time by calling or emailing Plan Forward’s Member Support department.

Members are entitled to discounts for certain procedures delivered by participating providers in accordance with the Plan Fee Schedule. Discounts may vary depending on the type of provider and the type of service/procedure received.

To review the benefits provided by the membership, members may visit the Plan website or contact Company’s Member Support department to obtain additional information on the plan’s benefits.

An up-to-date list of participating providers can be found at www.planforward.io/legal or you can contact Member Support at:

Mailing address:

Plan Forward, Inc.
16401 Oak Manor Dr
Westfield, Indiana 46074

Attention: Plan Forward, Inc.

Toll Free telephone:

Member support

Phone: (833) 752-7526

Office Hours: 8am-5pm EST, Monday-Friday

Email: care@planforward.io

Fees and terms may vary depending on the Provider, the services and products provided, and the location of the practice. Members are obligated to pay for all discounted procedures and will receive a discount from Providers that are participating in the plan and have contracted with Plan Forward.

Members are entitled to a 30-day money back guarantee. If a Member cancels the plan, they will receive a full refund up to 30 days after purchase if no services or discounts have been used, less the Processing Fee. Please review the full cancellation policies outlined in Section 8 below.

If Plan Forward cancels your plan for any reason other than nonpayment of charges, then Plan Forward will make a pro-rata reimbursement of all periodic charges made by the Member.

At any time, a Member may add/remove dependents, cancel auto-renew or change their payment method on file.

  1. Complaints Procedure

Complaints regarding a Member’s plan must be submitted in writing to Plan Forward via email at care@planforward.io or by mail to the mailing address listed above. Plan Forward’s Member Support team will review your complaint and contact you regarding a resolution within five (5) business days.

If you are dissatisfied after completing the complaint procedure detailed above, you may contact your state insurance department. Plan Forward will provide contact information for your state insurance department upon request.

  1. Definitions

Agreement: The contract between Plan Forward, Inc. and the Member consists of (i) Member Application, (ii) this Member Terms & Conditions, and (iii) Fee Schedule with savings (Savings Summary).

Effective Date: The date that the Member completes and submits the Member Application and pays Membership Fees in full. As of the Effective Date, the Member is entitled to receive the benefits and discounts included in the Membership Plan, for a 12-month period from the Effective Date.

Savings Summary/Fee Schedule: This is the list of procedure codes and services to be charged to Members, as well as the discounts. This will be included on the website and may be updated from time to time without prior notice. The new version of the Fee Schedule will be included on the website.

Member: Any individual who enrolls in Membership is entitled to the benefits of membership including discounts on certain procedures. Primary Members or Additional Members may enroll in the Plan.

Subscription Fees: These are the annual or monthly Fees payable to Plan Forward upon enrollment in Plan and upon each successive renewal of Plan term. Subscription Fees may change, and you will be notified of any changes. There may also be a 1-time or annual Enrollment Fee in addition to the annual or monthly Subscription Fees.

Processing Fees: These are 1-time fees charged on Enrollment, if applicable.

Account Holder/Responsible Party/Primary Member: The individual who completes the initial enrollment in the Plan and is responsible for the payment of all Fees.

Dependent/Additional Member: An additional individual who has signed up, and whose Fees are paid for by the Account Holder/Responsible Party/Primary Member.

Provider: A licensed dental services provider who has contracted with Plan Forward and will participate in Plan, by offering the services required with the membership at the discounted Fee Schedule.

Patient Notifications: On enrollment, Member agrees to be contacted by Plan Forward via email, text or phone on matters concerning the Plan and enrollment matters for example missed payments, support, price changes, auto-renewal notices and other such information. Member consents to receive electronic communications, and that an electronic signature satisfies any legal requirement that such notices and other communications be in writing.

  1.     Member Responsibilities

Besides the Fees, Members are required to pay Providers directly for all dental services provided, according to the Provider’s payment policies. Member is responsible for ensuring that the Provider is an active participant in the Plan prior to receiving services. The Member is also responsible for ensuring that their contact details are accurate, so that they receive all communications from Plan Forward and from the Provider.

The Member is required to provide current & accurate information on their account, and update the information as it changes, including contact details and billing information (including credit card details and ACH information).

If the Member becomes aware of a security breach, or if their payment method is cancelled or changed, they must notify Plan Forward. Until then, Plan Forward will continue to charge the payment method on file until the member cancels their plan.

  1.     Enrollment    

On enrollment, Members are immediately eligible to receive discounts on dental services in accordance with the applicable Savings Summary from participating Provider(s). Members may obtain an updated list of Providers at any time by visiting the website at www.planforward.io/legal or by contacting Member Support. If a Provider terminates their participation in the Plan, Members can select a new Provider from the list of participating Providers.

Washington residents may be entitled to a full refund of Subscription Fees paid to Plan Forward if the cancellation request is received within the Cancellation Window, less the Processing Fee, regardless of whether any discounted services have been provided to any subscriber(s) under the Plan during the current term. Please contact Member Support for details.

Enrollment in a plan with prophylaxes coverage depends on the diagnosis (or absence) of periodontal disease. If a Participating Provider determines that a Member with periodontal disease is only eligible for the Perio plan, at the Provider’s discretion, the Member will either: 1) remain on the plan with prophylaxis coverage, 2) receive a refund for the prophylaxis plan if they choose to cancel, or 3) pay the additional cost and switch to the periodontal plan (if applicable).

On enrollment, the Member is required to review the Terms & Conditions prior to checkout. Members will receive a confirmation email immediately after enrollment is complete. This email will be addressed to the Account Holder and will include as an attachment an electronic version of the membership card and the Member Terms & Conditions. This email will also include the Periodic Fees associated with the membership.

On enrollment, on the plan website a Member may add or remove dependents to their plan. Immediately after enrollment, the Member will receive a confirmation email with these Terms & Conditions, including information on how to edit their dependents, cancel auto-renew or change their payment method on file. Members should call Member Support at 833-752-7526 or email care@planforward.io for more information.

  1. Payments 

Members may choose to pay Subscription Fees monthly. If Billing fails, the Member is not eligible for discounted services until their billing method is updated, and the payment is reprocessed successfully. After a period of time without updating their payment method, they will no longer be considered Active, and they will no longer be eligible for discounted services. When this Inactive Member updates their billing method and pays back their missed payments, then they will once again be considered Active and eligible for the discounted services offered by the Plan.

If a Member is Inactive, they are no longer eligible for the benefits of membership, and Providers have the option to charge the regular price for procedures completed.

When a Member makes a payment for Subscription Fees, the payment is processed by a third-party payment processor (the “Payment Processor”). Plan Forward is not responsible for any errors of the Payment Processor.

By enrolling/renewing a Plan or by adding a new member to a Plan, Member agrees to pay Plan Forward and have that payment processed by the Payment Processor and Member authorizes Plan Forward, through the Payment Processor, to charge their billing method.

You may change your Payment Method at any time by contacting Member Support.

  1. Contract Term/Renewal

Members select to pay for their membership monthly or annually. When a Member enrolls, they are giving Plan Forward permission to charge the billing method for membership for the initial term and for the renewal term(s). If the Member opts for an annual payment, then you will be billed the annual amount plus an enrollment fee/processing fee/renewal fee, as applicable. If the Member opts for the monthly payment, then you will be billed an enrollment fee/processing fee/renewal fee, as applicable, plus twelve (12) equal monthly payments which will be charged to your billing method on file until you update it.

The initial term will start on the Effective Date and continue for twelve (12) months from that date. The Plan will automatically renew for an additional 1-year term at the end of 12 months, and unless the billing method has been updated, the fees will be automatically charged to the billing method on file. The billing frequency (monthly or annually) will carry over from the initial term; however, the Plan price may change in which case, Members will be alerted 30- and 60- days prior to the renewal. The Plan will remain in effect, and the Member will be Active and eligible for discounts until the Member cancels the plan in accordance with Section 8. Member is responsible for ensuring that their contact details are accurate and up to date. Although the Member may elect an annual or monthly payment frequency, all memberships are annual contracts.

  1. Cancellation Policy          

Plan Forward reserves the right to cancel your Plan membership without prior notice at any time and for any reason, including non-payment of Subscription Fees. Should Plan Forward cancel your Plan membership for any reason other than non-payment of Subscription Fees, then you are entitled to a pro-rata refund of Subscription Fees, including the Enrollment Fee/Renewal Fee, if applicable, paid to Plan Forward. This refund will be paid within thirty (30) calendar days after the effective date of cancellation. In no circumstance is the Processing Fee refunded.

To cancel your Plan membership, please contact Member Support, via email or mail to the address in Section 2 above, or call Member Support at (833) 752-7526. Please be sure to include your full name, the Location in which you enrolled, and your Plan name in your cancellation request.

If a Member has paid for for the annual membership upfront, you will receive a full refund of the Subscription Fees paid and the Enrollment Fee/Renewal Fee paid, if any, as long as: (i) the cancellation request is received within  the  first  thirty  (30)  days  of  the  current  annual  contract  term,  and  (ii) no services have been provided to the Member under the Plan during the current term. Plan Forward reserves the right to contact the relevant Provider(s) to determine whether services have been provided to the Member.

If a Member has elected to pay for the annual membership monthly, they will  receive  a  full refund of the Subscription Fees paid and the Enrollment Fee/Renewal Fee paid, if any, as long as  (i) the cancellation request is received within the first thirty (30) days of the current  annual  contract  term, and (ii) no dentistry services have been provided to the Member  under  the  Plan during the current  term. Thereafter, Plan Forward will no longer charge the Member for any additional monthly fees beginning on the first of the month immediately following cancellation. Plan Forward reserves the right to contact the relevant Provider(s)  to  determine whether services have been provided to the Member.

Washington residents may be entitled to a full refund of Subscription Fees paid to Plan Forward if the cancellation request is received within the Cancellation Window, regardless of whether any discounted services have been provided to any subscriber(s) under the Plan during the current term. Please contact Member Support for details.

  1. Marketing Communication
    By providing your email address and/or mobile number, you consent to receive electronic marketing communications from Plan Forward (e.g., promotions, events, or educational materials about healthcare services). These may be sent via email, text message (SMS), or telephone. You can opt out of marketing communications at any time by responding “STOP” to the received text, emailing
  1. Miscellaneous Terms
  • Warranty Disclaimer. Plan Forward and its partners, affiliates, and any of their respective officers, board members, agents, employees, consultants, contract employees, representatives, or agents, and each of their respective successors and assigns make no representations or warranties concerning the Plan, including but not limited to the quality of services rendered by Providers. The aforementioned parties are not responsible for any claims, actions, requests for damages, or lawsuits which may arise out of, or be caused in any way, by any provider or any other entity in relation to this Plan or your participation in the Plan. The Plan contains no express or implied warranties of any kind and is provided to you on an “as is” basis. Some states do not allow limitations on how long an implied warranty lasts, so the above limitations may not apply to you.
  • Limitation of Liability. TO THE FULLEST EXTENT ALLOWABLE BY APPLICABLE LAW, UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL THEORIES (INCLUDING BUT NOT LIMITED TO ANY TORT, CONTRACT, STRICT LIABILITY, OR OTHER APPLICABLE LAWS) SHALL THE COMPANY OR ANYONE RELATED TO THE COMPANY OR ACTING ON BEHALF OF THE COMPANY BE LIABLE TO YOU OR ANY OTHER PERSON FOR (A) ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES OF ANY KIND, (B) ANY SUBSTITUTE SERVICES, (C) ANY AMOUNT, IN THE AGGREGATE, IN EXCESS OF THE GREATER OF THE AMOUNTS PAID AND/OR PAYABLE BY YOU TO COMPANY IN CONNECTION WITH THE PLAN IN THE TWELVE (12) MONTH PERIOD PRECEDING THE APPLICABLE CLAIM AND/OR (D) ANY MATTER BEYOND COMPANY’S REASONABLE CONTROL. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL OR CERTAIN OTHER DAMAGES, SO THE ABOVE LIMITATION AND EXCLUSIONS MAY NOT APPLY TO YOU.
  • Assignment. You may not assign, delegate or transfer these Terms or your rights or obligations hereunder, or your Plan account without Plan Forward’s prior written consent. Plan Forward may transfer, assign, or delegate these Member Terms and our rights and obligations without consent.
  • Choice of Law. Unless the parties otherwise agree, this agreement is governed by the laws of the State of Delaware, U.S.A., and if for any reason a claim or dispute is not arbitrated, you hereby consent to the exclusive jurisdiction and venue of courts in Delaware for all disputes arising out of or relating to the use of the Plan Forward Services. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Plan Forward as a result of your use of Plan Forward Services. Plan Forward’s performance is subject to existing laws and legal process, and nothing contained in these Terms derogates Plan Forward’s right to comply with governmental, court, and law enforcement requests or requirements relating to your use of Plan Forward Services or information provided to or gathered by Plan Forward with respect to such use.

Arbitration Clause: Any disputes arising out of or relating to these Terms or the use of Plan Forward Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration will take place in Delaware, unless the parties agree otherwise. The arbitration decision will be binding on both parties, and judgment on the arbitration award may be entered in any court having jurisdiction. The arbitrator will have the authority to award legal and equitable relief, including interim or preliminary injunctive relief. This arbitration provision does not restrict either party’s right to seek remedies in small claims court for disputes or claims within the scope of its jurisdiction.

Arbitration Agreement. Please read the following Arbitration Agreement carefully because it requires you to arbitrate certain disputes and claims with Company and limits the ways in which you can attempt to recover relief from the Company under this Plan. Both you and Company acknowledge and agree that for the purposes of any dispute arising out of or relating to the subject matter of this Plan, Company’s officers, directors, employees, independent contractors, or anyone else acting on behalf of the Company, are third- party beneficiaries of these terms, and that upon your acceptance of these terms, these terms may be enforced against you by any third-party beneficiary.

  1. Arbitration Rules; Applicability of Arbitration Agreement. The parties shall attempt to settle any dispute, claim, question, or disagreement arising out of or relating to the subject matter of these Terms directly through good-faith negotiations, which shall be a precondition to either party initiating arbitration. If any dispute is not resolved through such negotiations, it shall be settled by binding arbitration in Kent County, Delaware. The arbitration will proceed in the English language, in accordance with the JAMS Streamlined Arbitration Rules and Procedures (the “Rules”), by one commercial arbitrator with substantial experience in resolving intellectual property and commercial contract disputes. The arbitrator shall be selected from the appropriate list of JAMS arbitrators in accordance with such Rules. Judgment upon the award rendered by such arbitrator may be entered in any court of competent jurisdiction.
  2. Costs of Arbitration. The Rules will govern payment of all arbitration fees. Company will pay all arbitration fees for claims less than seventy-five thousand ($10,000) dollars. Company will not seek its attorneys’ fees and costs in arbitration unless the arbitrator determines that your claim is frivolous.

iii. Waiver of Jury Trial. YOU AND COMPANY WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO GO TO COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR JURY. You and Company are instead choosing to have claims and disputes resolved by arbitration. Arbitration procedures are typically more limited, more efficient, and less costly than rules applicable in court and are subject to very limited review by a court. In any litigation between you and Company over whether to vacate or enforce an arbitration award, YOU AND COMPANY WAIVE ALL RIGHTS TO A JURY TRIAL, and elect instead to have the dispute be resolved by a judge.

  1. Waiver of Class or Consolidated Actions. ALL CLAIMS AND DISPUTES WITHIN THE SCOPE OF THIS ARBITRATION AGREEMENT MUST BE ARBITRATED OR LITIGATED ON AN INDIVIDUAL BASIS AND NOT ON A CLASS BASIS. CLAIMS OF MORE THAN ONE CUSTOMER OR USER CANNOT BE ARBITRATED OR LITIGATED JOINTLY OR CONSOLIDATED WITH THOSE OF ANY OTHER CUSTOMER OR USER. If, however, this waiver of class or consolidated actions is deemed invalid or unenforceable, neither you nor Company is entitled to arbitration; instead, all claims and disputes will be resolved in a court as set forth in (6) below.
  2. Opt-out. You have the right to opt out of the provisions of this Section by sending written notice of your decision to opt out to the address set forth above, postmarked within thirty (30) days of first accepting these Terms. You must include (i) your name and residence address, (ii) the email address and/or telephone number associated with your account, and (iii) a clear statement that you want to opt out of this arbitration agreement.
  3. Exclusive Venue. If you send the opt-out notice in (5), and/or in any circumstances where the foregoing arbitration agreement permits either you or Company to litigate any dispute arising out of or relating to the subject matter of these Terms in court, then the foregoing arbitration agreement will not apply to either party, and both you and Company agree that any judicial proceeding (other than small claims actions) will be brought in the state or federal courts located in, respectively, Kent County, Delaware.

vii. Severability. If the prohibition against class actions and other claims brought on behalf of third parties contained above is found to be unenforceable, then all of the preceding language in this Arbitration Agreement section will be null and void. This arbitration agreement will survive the termination of your relationship with the Company.

Contact Us: If you have any questions or concerns, please email us at care@planforward.io.