Terms of Use

Agreement to these terms

These Terms of Use apply to the website nabams.us and to the coordination, payment and documentation services offered by NABA Management Services LLC, a Texas limited liability company located at 4717 Hondo Pass Dr 1D, El Paso, Texas 79904. By using our website or services, you agree to these terms and to our Privacy Policy.

If you sign a separate patient agreement with NABA, that agreement also applies. If it conflicts with these terms, the patient agreement controls.

What NABA is, and what it is not

NABA is a Management Services Organization (MSO). We provide administrative, logistical and payment coordination services. NABA:

• does not hold a dental or medical license in any jurisdiction;
• is not a dental clinic, hospital or health care provider;
• does not practice dentistry, diagnose, prescribe or change treatment plans;
• is not a dental insurer and does not sell insurance.

Your clinical relationship is directly and only between you and NABA Clínica Dental.

Our services

• Coordination: answering your questions, scheduling your evaluation and treatment at NABA Clínica Dental, and keeping you informed through the process.
• Payment services: NABA acts as merchant of record and as a limited payment agent of the clinic, collecting your payment in U.S. dollars on the clinic’s behalf.
• Documentation: preparing quotes in U.S. dollars and the documentation you need to submit to your dental insurance or your HSA/FSA administrator.
• Insurance claim coordination: when you ask us to, coordinating the documentation and submission of claims to your U.S. dental insurance.

The clinic and your care

NABA Clínica Dental is an independent legal entity in Mexico. Its dentists are licensed in Mexico and are solely responsible for evaluation, diagnosis, treatment, results and patient records. NABA does not supervise their clinical work and cannot guarantee any outcome.

The founder of NABA has an ownership interest in NABA Clínica Dental. You are always free to get a second opinion or an estimate from another dentist. See our Disclosures for details.

Any complaint about clinical care should be raised with the clinic. We will help you communicate with them. Please give your dentist complete and accurate health information.

Quotes and prices

The clinic evaluates you and sets your treatment plan and price. NABA presents that price to you in U.S. dollars, converted at the exchange rate we show you before you pay. NABA does not add a markup to the clinic’s quoted price.

Quotes depend on the clinic’s evaluation. If your treatment plan changes, the clinic may issue a new quote.

Payments

• You pay NABA in U.S. dollars by credit or debit card (including HSA/FSA cards), or by another method that NABA approves in writing. Card payments are processed by our payment provider, Stripe.
• Paying the quoted amount to NABA satisfies your payment obligation to the clinic for that quoted treatment. Additional treatment outside the quote may be billed separately.
• NABA’s fee is paid by the clinic and is not added to your price.
• The clinic starts treatment only after NABA confirms your payment. Funds held for the clinic are kept separate from NABA’s operating funds until the clinic is paid.
• After treatment, or each stage of multi-visit treatment, is confirmed, NABA pays the clinic its net amount.
• Payments in installments are treated as separate transactions.

HSA/FSA and tax documents

For eligible payments, NABA prepares an itemized statement in English showing the patient, the clinic, dates of service, procedure codes and the amount paid, so you can submit your claim. You decide what to submit to your administrator.

Whether an expense is eligible for HSA/FSA reimbursement or a tax deduction depends on your plan, your administrator and IRS rules. NABA does not guarantee reimbursement or tax deductibility, and does not provide tax advice.

Dental insurance

Care at NABA Clínica Dental is typically treated as out-of-network by U.S. dental insurance plans. When you request it, we provide the documentation you need to submit a claim or request reimbursement from your insurer, or we can coordinate the claim with your insurer for you. Some claims may require prior authorization or a deposit.

We do not decide coverage, guarantee that a claim will be approved or paid, or act as your insurer. Coverage for care outside the United States varies by plan, so check with your insurer before treatment.

Refunds, cancellations and disputes

Refunds, cancellations and card disputes are governed by our Refund Policy. In summary:

• Before treatment: you may request a refund. We may deduct costs that cannot be recovered.
• After treatment is confirmed: refunds for the completed portion are generally not available.
• Clinical concerns: these are handled by the clinic. We will pass your concern to the clinic promptly and follow up.
• Card disputes: please contact us first. If you file a dispute with your card issuer, we may pause payment to the clinic until it is resolved.

Send requests to contact@nabams.us. We reply within two business days.

Your responsibilities

• Give us accurate and current information.
• Arrange and pay for your own travel, lodging, travel documents and border crossing. NABA does not provide transportation.
• Attend your appointments, or tell us as soon as possible if you need to cancel or reschedule.
• Confirm with the clinic when your treatment, or each stage of it, is complete.
• Understand that treatment abroad involves different laws, standards and legal remedies than treatment in the United States, as described in our Disclosures.

Use of the website

You may use our website for lawful, personal purposes. Do not misuse it, attempt to gain unauthorized access, or copy or reuse our content or branding without our permission.

Information on this site, including our articles and guides, is general and is not dental, medical, legal or tax advice. It does not replace an evaluation by a dentist.

Disclaimers

To the extent the law allows, our website and services are provided “as is” and “as available.” We do not guarantee that the website will be uninterrupted or error-free, or that any treatment will have a particular result.

Limitation of liability

To the extent the law allows, NABA is not liable for clinical care, for results of treatment, or for indirect, incidental or consequential damages. Our total liability for any claim related to our services will not exceed the amount you paid to NABA for the service that gave rise to the claim. Nothing in these terms limits liability that cannot be limited by law.

Disputes and governing law

Let’s try to resolve any concern informally first by contacting us. If that does not work, we will try mediation before either party starts a lawsuit. These terms are governed by the laws of the State of Texas and, unless the law requires otherwise, disputes will be heard by courts located in El Paso County, Texas.

Emergencies

Our website and coordination services are not for emergencies. If you have a dental or medical emergency, call your local emergency number or go to the nearest emergency facility.

Changes to these terms

We may update these terms from time to time. The date at the top shows when they were last changed. Continued use of our website or services after an update means you accept the new terms.