When one is searching the Internet trying to find a plan that will help them with their ever increasing dental cost, you will come across many different dental plans and dental insurance. This will be the first of one in many reviews, that you will be able to find on DentalOpinions.com.
I will writing these reviews in hopes that they may help people in deciding what may or may not be the best plan for them. I will not be stating that one plan is better then the other, I will be only giving you some company information and how the plans works as well as pro and cons as I see them.
Careington Discount Dental Plans
The Careington Dental plan is one of the dental discount plans you will come across. Careington Dental plan is not insurance but a popular dental discount plan. First off you may need to know what is a dental discount plan is. A discount plan is not insurance. Nor do you have to be a licensed insurance agent to sell a dental discount plan.
The managing organizations have negotiated with local dental offices to establish a set price for a particular dental procedure and offer deep discounts (some up to 60%) off the regular ADA pricing code. I short think of it sort of like your local Sam Club or Costco. You pay for membership in order to get the reduce or discounted saving they offer. Now that you have some idea of what a discount plan is let talk about Careington.
Careington partners with more than 40 leading companies and provider networks to deliver substantial discounts on a wide array of health care and lifestyle services. The company’s health and wellness discount plans, which include pre-negotiated discounts on dental and vision care, doctor and hospital visits, prescription drugs, legal and tax advice, identity theft protection and more, are used by more than seven million members nationwide. Careington as been in business for over 20 years now. There long standing in the business as made them a top contender in the dental discount plan market.
Careington Dental Marketing
Careington is in Frisco TX however, their plans are available in every state with thousands of agents selling it. Carington member services is top notch. One does not have to stay on hold for very long to get though and most questions and concerns can d be solve over the phone.
Pros about buy a dental discount plan: Dental discount plans have several advantages over traditional dental insurance plans, namely, there are no exclusions for pre-existing conditions. Depending on who is selling the plan they normally will start with in a week or two some times even with in the next business day from ordering. This allows a patient to receive immediate coverage for work without meeting any waiting period or enrollment effective dates. That is great for the person who may have a toothache today.
Careington Dental Plan Advantages
Also a great advantage of a discount plan is that you will get a discount even for the services that some insurance company may not cover for. Such as whiting, cosmetic services, and specialist. There is no claim form hassles. Cons of a dental discount plan. My only real con about the dental discounts plans are with the providers. Sometimes there is confusion in what the discount price is that the provider will charge you for. To help avoid that confusion I suggest that you know the ADA codes the provider is charging your for so that you can compare that to the the plans list.
There is not an outside network, you have to chose a dentist that takes the plan. In some areas you may not have any providers. Or sometime providers stop taking the plan without notify the company. Therefor I always advise to call the listed providers before buying the plan to confirm that they are still in fact accepting the plan. A discount plan is just that. It is not Insurance. Depending on the website sometimes this is hard to tell.
Careington – Is it the Right Choice for You?
Make sure that if you are buying a dental discount plan like Careington, that you know it is not insurance or to be confused with insurance. In the end I feel if you decide that a discount plan is the right choice for you, then Careington is a good plan to take the time to review. Careington’s compliance and licensing department identifies ongoing regulatory requirements for all states to ensure that the company’s discount plans are compliant with the most current legislation.
Compare Careington Dental Plans
Careington has certificates of authority and is registered as a Discount Medical Provider Organization in all states where required. The company has also filed PPO registrations where required to ensure that Careington’s proprietary dental network is in compliance with the most current regulations. For more information about Careington or other dental plans please visit http://www.insurancecompany.com