Careington Dental Insurance Review

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Contributor, Benzinga
February 18, 2020
Careington Dental
Overall Rating:
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Careington Dental Insurance isn’t technically insurance — it’s a dental savings plan. Enrolling in a Careington plan allows you access to dental care from participating providers at a reduced cost. You’ll find a large network of participating dentists, immediate coverage and no age limits.

Best For
  • Affordable coverage
  • No annual maximums
  • Large network of participating dentists
  • Immediate coverage
  • Some dentists don’t participate
  • Fee schedule can be confusing

Did you know most health insurance plans don't include dental coverage? If you want coverage for preventive care or dental procedures, you’ll need to look into a standalone dental insurance plan. Check out Benzinga’s review of discount dental provider Careington as an option for coverage.

Who’s Careington Dental Insurance for?

Purchasing a dental savings plan from Careington can help you get affordable dental care, even if you have a history of dental problems. Other traditional insurance plans may deny you for preexisting conditions.

If you’re looking for affordable dental insurance, chances are you need it now. Some dental insurance companies won’t cover procedures such as fillings and tooth extractions until months after your coverage begins. Careington offers savings immediately — no waiting periods to get the dental care you need.

Careington Dental Insurance Products

Take a look at a few products you’ll find through Careington.

500 Dental Savings Plan

This plan offers an average of 20% to 60% off of standard fees for most dental procedures, including routine exams, teeth cleaning for both adults and children and root canals. The 500 Dental Savings Plan also offers 20% off of orthodontics such as braces. You’ll also receive unlimited access to eDocAmerica, a free email service to ask dentists questions.

Careington Dental Discount Plan 

The Careington Dental Discount Plan combines with another provider named DenteMax to offer the largest network of participating dentists. This Maximum Care Discount Plus Network offers 5% to 60% off most dental procedures from a participating dentist or specialist. This plan also offers access to eDocAmerica. 

Dental and Vision Discount Plan

Careington’s Dental and Vision Discount Plan also works with the Maximum Care Discount Plus Network to offer a wide range of participating providers. You receive dental discounts from 5% to 60% and access to eDocAmerica service, butthis plan also offers the VSP Vision Savings Pass. This discount vision plan includes $50 eye exams, retinal screenings at $39 or less and 15% savings on contact lens exams. 

You’ll also receive 25% savings when you purchase prescription glasses. Lenses cost a fixed amount, starting with single vision lenses for $40. Discounts of 20% to 25% are offered for lens enhancements, including progressive lenses, scratch-resistant coating and anti-reflective coating. You can even save 20% on non-prescription sunglasses as long as you purchase them from your in-network optometrist.

If you’re done with glasses, this plan offers savings on LASIK vision correction. You can receive 40% to 50% off the national average cost of traditional LASIK when your procedure is done at a QualSight location. There are more than 1,000 QualSight locations in the U.S. for you to choose from. You may also be able to receive savings on newer LASIK procedures, such as Custom Bladeless LASIK. 

Dental, Vision Plus Telemedicine Plan

This combo savings plan offers access to providers in the Maximum Care Discount Plus Network. You save 5% to 60% on dental procedures and are also enrolled in the VSP Vision Savings Pass. 

Annual vision exams with participating providers are $50 with the purchase of a pair of prescription glasses or 20% off without the purchase of prescription glasses. Retinal screenings are guaranteed not to exceed $39, and you receive 15% off contact lens exams. Buy a pair of frames for prescription glasses at 25% off and lenses for as little as $40. You’ll also receive savings on lens enhancements like progressive lenses and anti-glare coating. 

Members save 40% to 50% off of traditional LASIK surgery from QualSight. Newer procedures such as Custom Bladeless LASIKmay also be eligible for savings. 

On top of all this, you’ll receive DialCare, a telemedicine service to contact licensed doctors via phone or video consultations. You can receive treatment and advice 24/7 for non-emergency illnesses such as the common cold and mild rashes. Available medical professionals include general physicians, psychologists, pharmacists, dentists, dieticians, fitness trainers and more. DialCare doctors may also be able to prescribe prescription medications for pick up at your local pharmacy. 

Prescription drug savings is included at 15% to 60% off generics and 10% to 25% off brand names. Participating pharmacies include CVS, Walgreens, Rite Aid and Target. Online access lets you find the closest participating pharmacy, as well as how much your prescription costs at pick up.

Standard Careington Dental Insurance Coverages

All Careington savings plans are available to anyone — no exclusions. Discounts are always available at the time of service, and Careington savings begin as soon as you purchase your plan. There are no limits on use, and no claims forms to file. 

Every Careington plan offers free access to quick, personalized answers from medical professionals. The only catch is you must always receive services and products within your plan’s network.

Available Discounts and Tips on Getting the Best Rates

Savings plans start at $89 annually. The rates are competitive no matter your choice, so you need to evaluate your coverage needs first.  

Common Careington Dental Insurance Coverage Selections

If you’re looking for the best dental insurance, check out the most common Careington plan — the 500 Dental Savings Plan. This plan includes:

  • 20% to 60% savings on routine dental procedures.
  • 20% off orthodontics such as braces.
  • Access to eDocAmerica, a free unlimited service where you can ask and receive answers from dentists.

Customer Service

Careington offers a customer service line at 800-290-0523 weekdays from 7 a.m. to 7 p.m. CST.

Claims and Customer Support

No need! Careington offers discount plans, and there is no claims process. To use your discount plan, simply search for a participating provider and show your membership card at your appointment. 

You can search for a participating provider, find information about your discounts and more on the Careington website.

If you have questions about your plan, contact customer service at 800-290-0523 Monday to Friday from 7 a.m. to 7 p.m. CST.

Pricing and Value

Careington plans start at:

Member: $89/yr

Member plus 1: $139/yr

Member plus family: $169/yr

Is Careington Right for Me?

Traditional dental insurance has its place, but Careington offers significant dental savings at an affordable price. No annual limits, no exclusions for preexisting conditions, nationwide access to providers and discounts at the time of service — Careington’s savings plans provide immediate value to your healthcare plan.  

Frequently Asked Questions


Q: How does dental insurance work?


A dental insurance plan charges a premium in exchange for covered benefits. Unlike health insurance plans, dental insurance plans usually have a cap on benefits, which means your plan may stop providing coverage once you reach the annual cap, often between 1k and 3K. Like other types of healthcare insurance, dental insurance focuses coverage on essential services, like cleanings, fillings, etc. Many plans don’t cover braces or elective cosmetic procedures. Get the cheapest premium here.


Q: Is dental coverage part of health insurance?


Some health insurance plans bundle dental coverage as well but, in many cases, dental insurance is a separate plan. Healthcare plans that are ACA-compliant are required to offer dental coverage to children but there is no requirement that adults have dental insurance coverage. Choosing a separate dental insurance plan can be a cost-saving step and helps make dental health costs more predictable. Check out our best providers for the cheapest rate.


Q: What kinds of dental insurance are available?


Your choices for dental insurance plans are similar to health insurance choices. You can choose from a dental HMO, which helps to keep premium costs low by keeping services within controlled network. Dental PPOs give more freedom to choose your dentist and care but cost more than HMO plans. A third option is called a dental indemnity plan, which pays a fixed amount or percentage for covered services. Compare quotes from our top providers for the best price.

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Dental Insurance Methodology

To determine the best dental insurance providers, we pored through all United States carriers. We winnowed the list by only including companies that have a wide coverage area and product offering. To further break down the list to the true best dental insurance providers, we gave weight to carriers that offer discounts, are available in all states and have multiple payment plan options.

Dental Plans Promo

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