AmeriCard is built on the premise that some employers would be better off providing their employees with group discounts on dental care than offering them dental insurance. The company's website alleges that insurance members "are assured of losing 30%" of what they spend. However, a Delta Dental official, Jeff Album, counters that, "One should not have to denigrate bona fide dental insurance plans in order to talk up the role and niche that a discount dental plan can play."

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