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Get the answers to our most "frequently asked questions" below, or view FAQs specifically about the Dental Plan and/or Prescription Plan.

If you still have questions that are not answered below, please feel free to contact us.

How do these plans work?
How do I find participating providers?
If my provider does NOT participate, what can I do?
How do these plans differ from insurance?
If I already have insurance, do any of the plans coordinate services with my insurance? If so, how?
Once I join, which family members can also use the plan?
Will dental work started before joining the plan be discounted?
How often can I have my teeth cleaned under the dental plan?
Are implants discounted under the dental plan?
What are the discounts I can receive?
Can I use my prescription card to get discounts on over-the-counter products and non-prescription medications?
What if I lose my plan card or need to order extra cards?
How can I get started?

How do these plans work?

Once you join, you are issued a membership card. At the time of service with a participating provider, just present your card to receive a significant discount, and pay the discounted amount. There are no administrative forms to submit, and you may use the plan as often as you wish.

How do I find participating providers?

You can locate participating providers, convenient to you, using our online search (or call us toll-free). Up to 25 names per category will be displayed, online. Participating providers have met a highly selective credentialing procedure based on education, background, office facilities and other requirements. In order to receive a discount, you MUST use a participating provider. When you call to make an appointment, verify that the provider is currently participating with CAREINGTON International (dental); Eyemed Vision Care (vision); American Whole Health (chiropractic and alternative care); CAREMARK (prescription), HearPO (hearing); PHCS (physicians) and Galaxy (hospitals).

If my provider does NOT participate, what can I do?

Let us know the name of your provider, and we will have him or her contacted about participating. Because providers must meet a selective process, please be aware that the credentialing and qualifying period can take several months, from start to finish. Please click below to submit the name of your provider. In the meantime, visit our online participating provider locator to find participating providers convenient to you.

Submit name of provider

How do these plans differ from insurance?

These plans offer many of the same services as insurance, generally at a much lower cost, and with no limits on use. You can use the plan as often as you wish.

If I already have insurance, do any of the plans coordinate services with my insurance? If so, how?

In general, the dental and prescription plans can coordinate services with indemnity insurance plans. In order to receive discounts, first visit a participating provider. After paying the reduced fee, file a claim with your insurance company for reimbursement. With other providers, you will probably need to choose between either your discount plan or your insurance plan. In any event, we recommend that you contact your insurer for information specific to you and your policy.

Once I join, which family members can also use the plan?

Family members in your household, including your spouse, children, and other relatives living in your home are all included.

Will dental work started before joining the plan be discounted?

Dental work STARTED before signing up for the dental plan is not discounted, even if completed after joining.

How often can I have my teeth cleaned under the dental plan?

As often as you wish. There are no limits on how often you use your dental discounts.

Are implants discounted under the dental plan?

Implants and some whitening procedures are not discounted by all participating CAREINGTON providers. Check with your participating provider for further information.

What are the discounts I can receive?

The amount of the discount will vary depending on where you are located. You can click here for the dental fee schedule specific to your state. The dental schedule applies to services provided by participating General Dentists. Procedures not listed on this schedule are discounted at 20% off the General Dentist’s normal fee. However, lab fees are not discounted. Participating Dental Specialists will give a 20% discount off their normal fees. Click here for a chart showing the Vision schedule of services. Other savings are listed under each specific plan. The price of prescriptions changes daily. Your pharmacist can tell you the preferred price of your medication when you present your card.

Can I use my prescription card to get discounts on over-the-counter products and non-prescription medications?

With the exception of diabetic supplies (e.g., strips, lancets, meters), most over-the-counter products and non-prescription medications are not discounted. However, over-the-counter products are available, at a discount, to our prescription members through Caremark.com. You can also receive discounts of 15% for diabetic supplies and respiratory medications, mailed to your home, at no extra charge, through Liberty Medical.

What if I lose my plan card or need to order extra cards?

No problem. Just contact us to request additional cards.

How can I get started?

Locate a participating provider convenient to you using our online search (or call us toll-free). Up to 25 names per category will be displayed, online.
Apply online, by phone, or fax. Services begin on the first of the month. (You may choose the first of the current month or the next month.) You will receive your ID card within 7-10 days after signing up. Call us if there is an emergency situation needing immediate care, and you do not yet have your ID card.

Note: When joining, you will be asked for your social security number, and it will be used to help identify you as a member. If you do not wish to provide your social security number, just enter all zeros.
In order to receive a discount, you MUST use a participating provider. When you call to make an appointment, verify that the provider is currently participating with CAREINGTON International (dental); Eyemed Vision Care (Vision); American Whole Health (chiropractic and alternative care); Caremark (prescription), HearPO (hearing), PHCS (physicians) and Galaxy Health network Hospital (GHNH) program (hospitals). You are responsible for paying your discounted bill at the time of service.
For the Total-Care Plan, call the Physician Relations Department to verify your doctor's participation in the medical savings plan, then schedule an appointment.
For hospital visits, notify GHNH and receive a referral number within 48 hours of an emergency visit to receive a discount. For pre-planned hospital stays, obtain a pre-certification and referral number before your stay so you receive the negotiated discount.