Affordable Dental, Vision & RX
for all of your members, both corporate & individuals
CAREINGTON programs will provide your Association with the following benefits:
* A valuable membership benefit that helps attract and retain members
* Provide your Association with an ongoing stream of non-dues revenues
* Special privileges for your members
* A complete turnkey solution for your Association
Mydentalandvision invites you to take care of your members and their employees with a CAREINGTON International discount program ..... while generating an ongoing stream of non-dues revenues for your Association.
Are you & your members employees among the 7 out of 10 Americans with no dental or vision benefits?
CAREINGTON International has now made it possible to access very affordable dental, vision, RX and other programs for monthly membership fees as low as $5.95 per month.
CAREINGTON International provide the #1 Dental and Vision program, offering the best value available, backed up by almost 6,000,000 satisfied current members.
Dental plans are the most asked for plans after health insurance.
Unfortunately, most programs are prohibitively expensive. CAREINGTON makes dental care and vision care affordable.
You can now help your members by making this nationwide low cost dental & vision program available to them at special rates!
CAREINGTON is already providing some of the largest organizations in America with Dental & Vision programs.
View an example of some of Careington's larger Clients
The CAREINGTON plan can be a voluntary or partial voluntary program depending on what your member decides. This program is designed to be as easy and uncomplicated as possible. There are no administration fees or other costs. The only cost that might be associated with the program is the time it takes your members to set up payroll deduction. Even then, if some of your members do not want to provide payroll deduction for their employees, the employees can subscribe as individual members at the same special rate.
CAREINGTON programs also qualify under section 125 of the IRS code, meaning both your business members and their employees can make additional savings at the expense of the IRS.
Special rate prices for the Dental & Vision plan are:
Individual Only only $5.95 monthly
Individual + One only $9.95 monthly
Individual + Household only $12.95 monthly
Prices everyone can afford.
What Role Does a Company like CAREINGTON Play?
CAREINGTON is a “hub” for organizations looking to offer value added programs
CAREINGTON is also known as a Benefit Aggregator or Discount Plan Administrator
CAREINGTON provides a complete turnkey solution for Associations
The CAREINGTON Advantage:
**Unparalleled experience
**Significant market share = Buying Power
**Industry leader
**Innovative / Market driven
**Flexible
**Reliable
**Scalable
CAREINGTON’S Capabilities include:
Product Consultation
**“Best In Class” partnerships with over 40 vendor partners in:
**Healthcare
**Wellness
**Financial Services
**Travel & Leisure
**Family Life
Customer Service
**Seamless Customer Service - “One Stop Shop”
**Dedicated toll-free 800 numbers
**Custom scripting
**Priority queuing
**ACD reporting
**Digital call recording
**20% reps bilingual / AT&T language line
**Warm transfer capability
Administration / Eligibility
**Accommodate incoming and outgoing eligibility file in various formats (FTP, email, etc.)
**Support PGP Encryption for source transmission of eligibility data
**Eligibility processed according to client specified request - same day or within 72 hours of receipt
**Any frequency (daily, weekly, monthly) depending on volume
**Comprehensive membership reporting
Fulfillment Support
**State of the art automated in-house fulfillment service
**Design, production and mailing services of fulfillment materials – member brochures, ID cards, welcome letters, policy issue, etc.
**Produce up to 45,000 fulfillment kits per day
**Multiple branding options (private label, co-branded, etc.)
**Detailed reporting and tracking capabilities
Operations
**Custom Websites - Create and host custom web pages to integrate seamlessly with client sites
**Provider search and nomination tools
**Downloadable brochures / ID cards
**Web pages also available in Spanish
**All CAREINGTON sites available 24/7/365
Vendor Management
**Contracting / Renewals with vendor partners
**Quality assurance
**Issue inquiry tracking (email, phone, fax, written)
**Resolution processing / reporting
**Data transmissions (eligibility / network files)
Compliance
**Co-founding member of Consumer Health Alliance
**50 State regulatory bill tracking
**CAREINGTON provides guidance for clients launching new programs / monitoring existing programs
**Filings, marketing verbiage, website content
Program Support
**Dedicated account management support
**Proactive support of client health fairs / conferences
**Implementation team to ensure smooth launch of program
**Initial and ongoing training (if needed)
Discount Product Portfolio
**Health Care - Dental, Vision, Pharmacy, Medical, Chiropractic, Podiatry, Hearing Aids, 24 Hour Nurse-line, Diabetic Supplies, Durable Medical Supplies
**Wellness - Alternative Health and Medicine, Mental Health and Wellness, Nutritional Supplements & Vitamin Discounts, Smoking Cessation
**Health Coaching- Diet & Weight loss, Healthy Habits Website
**Financial Services - Accident Insurance, Emergency Air Transportation / Air Ambulance, Tax Preparation and Planning, Legal Services, ID Theft Insurance
**Travel & Leisure - Shopping & Consumer Services, Car Rental & Hotel Discounts, Concierge Services, Travel Services
**Family Life - Long Term Care, Child & Elder Care, Funeral Planning, Personal Health Record
Check to make sure CAREINGTON have providers near you
If you would like to learn more about how your Association can participate in one or more of our programs and how much non-dues revenue you could generate please email us
Frequently asked questions by employers
What participation requirements do I need to have in order to qualify as a group?
You need only 3 participating employees to qualify as a group.
This makes it easy to obtain the necessary participation if you offer the program.
Most dental plans require some participation percentage among the employees in order to qualify as a group. This requirement can be hard to meet unless the employer is paying for it.
The CAREINGTON program can be a voluntary or partial voluntary program depending on what you, the employer decides. Some employers provide the CAREINGTON program as a non-contributory benefit; this is perceived to carry great value by the employees but is affordable to many employers.
We strive to make the CAREINGTON Dental Program as easy and uncomplicated as possible for the employer.
Who can be an eligible employee?
An eligible employee can include full or part time employees. CAREINGTON allows you, the employer to define eligibility requirements.
Offering an affordable dental program for all employees can serve as a great attraction and retention tool for potential and current employees.
What does it cost the company to have this program?
Nothing. This is designed as a voluntary program (although many employers do choose to pay for the plan because it is so inexpensive). There are no administration fees, costs or anything else. The only cost that might be associated with the program is the time it takes to set up payroll deduction.
How do I sign up my employees?
Complete the group contract and have your employees complete the applications. Include the first month’s premium with the applications.
How can I see if my employees would be interested in the CAREINGTON Program?
Sometimes employers will survey their employees to check interest.
We have prepared a survey that you can print, copy and circulate among your employees. If you require a copy of the survey please let us know and we will email it to you.
What am I committing to as a company?
There is no company commitment when you offer the CAREINGTON dental program to your employees.
There is a group agreement that does need to be completed and signed. This agreement informs us of eligibility and provides your company with a 12 month rate guarantee. Additionally, there is no processing fee on group applications.
What are my employees committing to?
We do not require your employees to commit to stay on the program for any time period. However, most HR departments require an employee to commit to a 12 month period. This eliminates people “coming in” and “going out” of the program and causing administrative burdens.
Further, if your company utilizes a section 125 and elects to include this plan, federal law requires only annual employee changes.
Do we have to offer this as a payroll deduction program?
No. You can have employees complete individual applications and pay directly…………
But ……… you lose the perceived idea of offering a dental program through your company.
Also, your employees will have to pay a higher monthly membership fee as well as a one time processing fee of $20.00.
Remember, by offering a dental program you are contributing to the value of your benefits package.
Is there any form of guarantee?
Yes. View the CAREINGTON GUARANTEE
How does this program compare with indemnity dental?
See individual frequently asked questions.
What are the limitations to this program?
The only limits of the CAREINGTON dental program are that you must go to a network CAREINGTON provider.
All CAREINGTON providers are carefully screened, credentialed and selected in order to insure that you are given a choice of some of the finest dentists in your area. Everyone wants good quality dental care at an affordable price; CAREINGTON is a great program that can fill that void.
How long has CAREINGTON been in business?
CAREINGTON has been in business for 27 years.
Unlike most dental programs, CAREINGTON is the brainchild of two dentists. Over twenty years ago they realized that many people were not receiving proper dental care, due in large part to financial reasons. Some companies were passing the high cost of dental on to their employees, many of who were choosing to let their families do without. Others were simply eliminating dental from their group packages altogether.
In 1979, the doctors founded a member network that helped both companies and individuals. They amassed a fraternity of dentists who agreed to charge considerably lower fees to their counterpart patient members ….. and it worked!
Their expertise gives CAREINGTON first hand experience when it comes to understanding the care and needs of dental patients. Because of this industry knowledge, CAREINGTON members are offered a dental package that is both comprehensive and current with the latest procedures.
Because CAREINGTON was among the first to offer quality dental services at a discount, they have had years to develop an extensive provider panel, with over 30,000 participating dentists. In fact the CAREINGTON provider panel is one of the strongest in the country.
Not only do CAREINGTON offer an extensive selection of doctors, but the credentialing system guarantees that their dentists have only the finest credentials.
CAREINGTON also provide the healthiest fee reductions – two to three times larger than most other dental companies.
With around six million satisfied members and growing, CAREINGTON has positioned itself to be the innovative dental partner of choice.
Whats the difference between Dental Discount Programs & Traditional Dental Insurance?
Maintaining your oral health is essential to a healthy lifestyle. Most people want to make the commitment to improve their oral health, but have a hard time choosing between traditional dental insurance and a dental discount program.
Therefore it’s important that your members employees understand how the differences between dental insurance and dental discount programs can affect them.
Dental insurance policies can be typically characterized by monthly premiums, deductibles and annual maximums.
As an alternative, dental discount programs are designed to be as accessible as possible; they do not share any of the characteristics of dental insurance.
The monthly premiums for typical dental insurance policies may be as much as $50 a month for individuals and in excess of $100 per month for family plans.
As an alternative, the group dental discount programs provided by CAREINGTON International are far less expensive. Group dental discount programs start at just $5.95 per month for individuals, $9.95 per month for couples and $12.95 per month for families. In addition, the CAREINGTON International program also includes free vision care discounts provided by EyeMed.
Usually, people using dental insurance must meet their deductible before their dental insurance starts to cover their dental care; when making comparisons its therefore important to consider the cost of the deductible as one of the overall costs associated with dental insurance.
Annual deductibles typically vary from $50 to $100 per covered individual; it is impossible to put an actual cost on the deductible because it depends on the specific dental insurance policy owned.
Dental discount programs do not have deductibles. Instead, dental discount program members pay a membership fee that qualifies them to receive discounted rates at participating dentists at the time services are rendered.
Most dental insurance plans cap the amount of reimbursement to an annual maximum that is typically $1,000 to $1,500 per year. The insured person is then responsible for any costs over and above the annual maximum.
Dental discount programs do not have annual maximums. Program members are able to use their discount dental programs as often and as much as they want to. There is absolutely no limit to the amount of money members can save by using their dental discount plan.
People with dental insurance policies often moan about the time-consuming red tape they are forced to face, including the need to provide written claims, exclusions on pre-existing conditions and the excessive waiting periods for major procedures.
As an alternative, the easy to use CAREINGTON dental discount programs found on Mydentalandvision.com are designed to save member’s time as well as money!
Nearly all dental insurance policies require policyholders to go through a tedious and very time consuming written claims process, every time they have a claim! There is no such tedious paperwork and hassles for dental discount cardholders; discount dental program members simply present their program membership card to a participating provider at the time of service to receive their discounts.
Dental insurance plans will often either refuse to cover certain procedures or impose a long waiting period. If you or your members are considering dental insurance you need to be aware that many dental insurance policies have exclusions on pre-existing conditions and may require up to as much as a 18 month waiting period before paying for any major dental treatment.
As an alternative, dental discount programs are free of such limitations and become active almost immediately, allowing program members to join and start saving on their dental care as quickly as possible. Further, CAREINGTON dental discount programs offer significant savings on dental specialties, such as orthodontics and teeth whitening, while most dental insurance policies rarely cover such procedures.
The escalating cost of dental insurance makes dental insurance inaccessible to a large number of individuals and families, unless of course it is provided by their employer. Then the burden is shifted to the business!
The very cost-effective dental discount programs offered by CAREINGTON are accessible to individuals, families and businesses as an alternative to costly traditional dental insurance.
Dental discount programs are also an easy and flexible way for businesses to save time and money on valuable dental care for their employees. The provision of an inexpensive dental discount card to employees is perceived to carry a huge value. You could help your members by informing them of these time and money saving programs while generating a stream of non-dues revenue for your association at the same time. It is certainly well worth exploring!
Despite the differences between traditional dental insurance and dental discount programs, they can even be used together in certain situations to maximize savings.
To summarize, dental discount programs are an affordable and easy to use alternative to traditional dental insurance and offer program members substantial savings on most dental procedures.
We hope that you have found this comparison between traditional dental insurance and dental discount programs useful?
View CAREINGTON group dental discount programs.
