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Frequently Asked Questions

Questions about starting your group plan:

	What participation requirements do I need to qualify as a group?
	Who may be included in the program?
	What does it cost the company to have this program?
	How do I sign up my employees?
	How can I see if my employees would be interested?
	What am I committing to as a company?
	How long has CAREINGTON been in business?
	Do we have to offer this as a payroll deduction program?
	What are the plan restrictions?

Questions about how members use the plan:

 

	How do my employees use the plan?
	What if I want to change dentists?
	What qualifications determine if a dentist is able to join our Provider Panel?
	An employee's dentist isn't currently on the Provider Panel. What can I do?
	What type of emergency service is available through CAREINGTON?
	Can the CAREINGTON Plan work with other insurance plans?
	Who may be included as a member?
	How do I to add or drop members after the annual processing date.

_____________________________________________________________________ Answers on how the group plan works:

What participation requirements do I need to qualify as a group?

Only 3 employees (minimum) are required for a group plan. There are no other "participation requirements" as there are with most other group dental plans.   [ Top ]

Who may be included in the program?

This plan may be offered to all full-time employees and their families. You may also include part-time employees and their families, if so desired.   [ Top ]

What does it cost the company to have this program?

If the plan is offered on a "voluntary" basis (employee paid), this plan costs the employer nothing! There are no employer-paid administrative fees whatsoever.    [ Top ]

How do I sign up my employees?

Just Four Simple Steps: Step 1: Print the Group Dental Plan Agreement (*.pdf) and complete. (Opens in a new window.) Step 2: Print the Employee Application (*.pdf), copy and distribute to your employees. (Opens in a new window.) For employee reference, please print a List of Area Dentists and a Schedule of Discounts. Step 3: Check payable to "CAREINGTON International." You may select either monthly or quarterly. (Employee - $5.95/mo, Employee+ 1  - $9.95/mo, Full Family - $12.95/mo.) Step 4: Mail these three items. 1. Group Dental Plan Agreement (from Step 1 above). 2. All completed Employee Applications (from Step 2 above). 3, Check for first payment (from step 3 above). Mail To: Liberty Insurance Brokerage, Inc. P.O. Box 540448 Orlando, FL 32854-0448 Start Date: Your group dental plan will start on the 1st of next month. However, if you would like to start ASAP, we can back-date your group's start-date to the 1st of this current month. Simply include a written note requesting the earlier date. Group Change Form (*.pdf) - You may add / remove members each month. 45 Day Money-Back Guarantee Would you like "live" assistance? 1-888-227-9449 or E-mail * Forms are in Adobe Acrobat® PDF format. If you do not have a copy of the Adobe Acrobat® Reader please click the picture below and download the program for free.   [ Top ]

How can I see if my employees would be interested?

Sometimes employers will survey their employees to assess interest. Here are two pages you can print, copy, and distribute to your employees. (Often we find that employers are not fully aware of the high perceived value of this low-cost dental option.) 1. Employee Survey (Opens in a new window.) 2. Plan Highlights & Application Form (Opens in a new window.) Forms are in Adobe Acrobat® PDF format. If you do not have a copy of the Adobe Acrobat® Reader please click the picture below and download the program for free.   [ Top ]

What am I committing to as a company?

There is no long-term commitment when you offer this Plan to your employees. There is a Group Agreement which does need to be completed and signed. This form establishes your Group's membership guidelines and provides a 12 month rate guarantee. Note also, there are no employer fees, such as set-up fees or monthly service fees.   [ Top ]

How long has CAREINGTON been in business?

Founded by a group of dentists in 1979, CAREINGTON is one of the oldest and largest dental plans in the U.S.A. Because CAREINGTON was among the first to offer a quality discount dental program, they have had years to develop an extensive provider panel, with over 30,000 participating dentists today. In fact, the provider panel is one of the strongest in the country. Not only do they offer an extensive selection of doctors, but the credentialing system guarantees that CAREINGTON dentists have only the finest credentials. Also give the healthiest fee reductions - larger than many dental service companies. With over 5 million satisfied members and growing, CAREINGTON has positioned itself to be the most innovative dental partner in the country! [ Top ]

Do we have to offer this as a payroll deduction program?

No, you do not. You can have employees complete individual applications and pay directly but . . . . .   You lose the tax advantage of offering a dental plan through your company. You make it harder for employees to obtain dental. Payroll deduction is easy for employees . The employees will have a higher monthly fee as well as a one time processing fee. Offering a dental program contributes to an attractive incentive program. [ Top ]

What are the plan restrictions?

Your employees must go to a participating CAREINGTON Plan dentist on the list. The CAREINGTON dentists are carefully screened, credentialed, and selected in order to ensure that your employees are given a choice of some of the finest dentists in your area. For employees and their families, here is quality dental care at an affordable price. Most dental plans are very expensive. Having an expensive dental plan for your employees is fine if the employer is paying all. Unfortunately employers are unable to add dental, mainly because of cost issues.

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Answers on how to use the plan:

How do my employees use the plan?

When the plan begins, employees may contact a provider on the provider list and make an appointment. They should take either their permanent ID card or temporary ID card that will be e-mailed to the employer. If no ID card is available, the employee simply needs some form of picture ID along with their social security number. The dentist office will call CAREINGTON to verify the employee's membership. (In fact, employees do not need a card to receive services, only the group member number or the employee's social security number, plus some form of identification. The plan is very easy to use.) Employees will then only pay according to the Schedule of Discounts, which are listed by ADA code (American Dental Association). The average annual savings is $1200 per family on dental work.

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What if I want to change dentists?

You are free to seek care from any participating dentist in the network. If you wish to change dentists, simply call the new dental office for an appointment and let them know that you are a current CAREINGTON plan member.  Note: ordinarily, you should complete procedures in progress (if any) by your current dentist, because most dental offices do not want to take over another dentist's unfinished work.

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What qualifications determine if a dentist is able to join our Provider Panel?

Dentists must meet CAREINGTON's highly selective credentialing process which is based on education, background, location, office facilities, and other requirements. [ Top ]

An employee's dentist isn't currently on the Provider Panel. What can I do?

Have the dentist call CAREINGTON at 800-290-0523 and ask for a new provider packet from the Network Development Department. While they do not guarantee that a provider will join the plan, we have found that when a provider initiates the process, then the chances of success is much greater. Please be aware that the credentialing and qualifying period can take time, sometimes as long as six months, depending on the speed of response from the dentist. [ Top ]

What type of emergency service is available through CAREINGTON?

In case of an emergency, a Member should contact their usual network dentist. If he/she is unavailable, contact Member Services and they will assist you in locating another provider. Members may use a participating dentist anywhere in the U.S.A. [ Top ]

Can the CAREINGTON Plan work with dental insurance plans?

Yes, CAREINGTON can work (or "coordinate") with dental insurance plans. Here's how: 1. First, the member receives dental services through a CAREINGTON participating Dentist at substantially discounted fees (20% - 60%).  2. Next, after paying the reduced fees, the member files a claim with their dental insurance plan for fee reimbursement. If you are having major dental work, where the cost will exceed the annual dollar-limit of your dental insurance plan, then CAREINGTON may in effect extend your insurance benefits by first decreasing the total dollar-cost of your dental work. Note: CAREINGTON will not work (or coordinate) with another "discount dental plan," only with "dental insurance" as described above.   [ Top ]

Who may be included as a member?

Full-time employees. You may also include part-time employees, if so desired. Employee's spouse or common law partner Employee's child to age 19, or to age 23 if a full time student A disabled child who relies on the employee for support If your employee has an older child or parent that they wish to include, they can select to include them as an individual on their own individual application. See www.SmartDentalPlan.com. [ Top ]

How to add or drop members after the annual processing date?

Your employee needs to include family members now. They can add/drop family members if they have a change in family status like marriage, divorce, birth of a child, responsibility for a child because of divorce decree, adoption, etc.. A Group Change Form (.pdf) should be completed and sent to CAREINGTON.