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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 first of this month or first of next month.
Q:
Can I buy it for 4 months up front?
A:
No. You can either choose 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:
How do I cancel the membership?
A:
Please send an email to our
and indicate the name of the member(s). Please note that cancellation can not be effective retroactively.
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 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 US can purchase it. The person can be a US 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 US 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 US, 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 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 by regular mail.
Q:
Can you expedite mailing me the cards if I pay extra money for courier?
A:
No, you can only receive by regular mail.
Q:
Before the cards come in the mail, can I pay for the treatment myself and then file for 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 schedule of benefits as soon as you get your cards in mail.
Q:
Is there any policy maximum or annual maximum?
A:
No. You can utilize all the services listed in schedule of benefits as much as you like as soon as you get your cards in mail.
Q:
Is there any waiting period?
A:
No. You can utilize all the services listed in schedule of benefits as soon as you get your cards in 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.
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