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FAQ for Dental Vision Plan from CAREINGTON
Q:
How much does it cost?
A:
It costs $11.95/month per family (single, couple or couple and minor children)
and there is a one time non-refundable application fee of $20.
Q:
When can the plan be effective?
A:
It can either be effective from the first of this month or the first of next month.
Q:
Can I buy it for 4 months up front?
A:
No. You can either choose the monthly or annual option. If you have chosen the monthly option, after you purchase the plan, your credit card will automatically be charged $11.95 per month.
If you no longer require the plan later, cancel it, as described in the next FAQ.
Q:
Instead of the combined dental/vision plan, can I just get the dental plan or the vision plan?
A:
No.
Q:
As the price for this plan is the same for the whole family, can I include my elderly parents and my family
(myself, my wife and my 2 children) into one plan?
A:
No. The definition of family in United States, at least for this purpose, is a person, his/her legally wedded spouse and their minor children under the age of 18.
Q:
The price for this plan is for the whole family. If I want to enroll just one person, can I get it
for a cheaper price?
A:
No.
Q:
What are the eligibility requirements to purchase this plan? Who can purchase this plan?
A:
Anyone that would like to utilize the services of the plan in the U.S. can purchase it. The person can be a U.S. citizen,
permanent resident (greencard holder), temporary visa holder such as H1/H4 visa, L1/L2 visa, student visa, tourist visa or any other visa.
Q:
What area of the U.S. is the plan valid? Can I use the plan if I am traveling to different states?
A:
As long as you find the dentists in the network, you can use the plan anywhere in the U.S., except in Montana and Vermont. However, please note that the amount that you have to pay for services varies based on the state you use the services in.
Q:
Is this an insurance plan or discount plan? Isn't insurance better? Why should I buy a discount plan?
A:
This is not an insurance plan, but a discount plan. If you are willing to go for the treatment within the
provider network, this plan generally works out much better than a typical insurance plan. Insurance plan premiums
are much higher, but don't necessarily provide better or higher coverage, and most insurance plans usually have a long waiting period (sometimes 1 year, 2 years or 3 years) before you can get any major treatment done. Even if the insurance plan does not have any waiting period, if they cover 10% in the first year, 20% in the second year and so
on, that kind of coverage is very limited help if you need the treatment urgently.
It is true that there are many discount plans out there. However, CAREINGTON is an excellent discount plan that
has been tried and tested several times by ourselves and it works very effectively.
You may want to consider buying a dental insurance if you would absolutely like to go to the dentist that is not
in the network or if there are no providers (or not enough providers) in the area you live.
Q:
When can I use the benefits of the plan?
A:
After you enroll into the plan, it takes around 7 to 10 business days for you to get the cards in the mail and for the company to set you up in their system so that dentists can see your name in their database to provide you appropriate benefits.
Q:
Before I get the cards in the mail, can I print the cards online?
A:
No, you can only receive them by regular mail.
Q:
Can you expedite mailing me the cards if I pay extra money for a courier?
A:
No, you can only receive them by regular mail.
Q:
Before the cards come in the mail, can I pay for the treatment myself and then file for a claim for reimbursement?
A:
No. The card must be used at the time of service in order to get any benefits. There are no claim forms
and there is no concept of reimbursement. This is not insurance, but a discount plan.
Q:
Can I go to any dentist? I would like to go to my favorite dentist I have been using for years.
A:
In order to get any benefits through this plan, you must visit the providers in the network.
Please look at the network
to find the providers in the network. If you go to the providers outside the network, there are no benefits.
Q:
How much is the coverage?
A:
Dental:
For dental benefits, please look at the schedule of benefits.
After you select your state, you will see a schedule with 3 columns. For all the procedures listed in the middle column, next to that on the right side column is the amount you must pay for that procedure. You don't have to pay any amount beyond that or have to worry about any claims or reimbursement.
Please note that during the same visit, there may be multiple services performed by the provider and therefore, multiple amounts may apply. Also note that only the
provider can tell you what procedures are required for the particular treatment and can give the estimate for your portion.
Vision:
For vision benefits, please look at the schedule of benefits.
For all the procedures listed in the first column, next to that on the right side column is the amount you must pay for that procedure.
Q:
Is there any pre-existing conditions clause?
A:
No. You can utilize all the services listed in the schedule of benefits as soon as you get your cards in the mail.
Q:
Is there any policy maximum or annual maximum?
A:
No. You can utilize all the services listed in the schedule of benefits as much as you like as soon as you get your cards in the mail.
Q:
Is there any waiting period?
A:
No. You can utilize all the services listed in the schedule of benefits as soon as you get your cards in the mail.
Q:
My portion of the cost for some of the procedures are quite high. E.g. I have to pay around $300 to $400 for route canal. Do you have any
other plan where I have to pay less money? How much is the plan covering anyway?
A:
If the cost of the particular treatment is around $1,000 to $1,200 and you have to pay only $300 to $400, that is very good coverage considering the amount of money you are paying for the plan ($11.95/month) and considering the fact that there are no waiting period to use the plan.
Q:
How do I cancel the membership?
A:
Please send an email to our
and indicate the name of the member(s) and state that you would like to cancel the Careington plan. Please note that cancellation can not be effective retroactively.
Q:
I am buying this dental plan in addition to the medical insurance. I am buying for my visiting parents for 3 months.
I am charged up front for all 3 months for medical insurance. Why can't you charge for 3 months up front for the dental plan also?
If not, why don't you automatically cancel my dental plan after 3 months as you already know that I need it only for
3 months and not for a longer duration?
A:
We are insurance brokers and work with several different companies to provide you with the products that suit your need.
Each company is different and each product from a given company is independent of anything else that you purchase
from us with another company.
Careington dental/vision plan is not meant just for short term visitors to the United States. It is meant for everyone in the
United States and most people keep it for a long time, for many years. Therefore, Careington automatically
charges either monthly or yearly,
depending upon the option you choose.
We are not authorized to automatically cancel your dental/vision plan.
We need your written authorization (preferably via email)
when you would like to get your plan cancelled.
Q:
I was not aware that I would be charged automatically on a monthly basis and my parents have already left the U.S.
2 months ago. Is it possible for me to get the refund retroactively?
A:
If you intended to keep the dental/vision plan for more than 1 month, lets say for 3 months,
you would know right away (and also by looking at your credit card charges) that you were not charged up front for
3 months. That would give you enough indication for monthly recurring charge, even if you didn't read all the information
while purchasing the plan or we didn't discuss this particular aspect (even though we try our best to educate
our callers in detail). In this case, you would see a charge on your credit card in the second and the third month.
That gives you enough information that if you don't need it any longer, you need to get it cancelled.
Unfortunately, under any circumstances, you can not get a refund retroactively. You will not be charged further after
you send us an email to cancel the plan.
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