Association Benefits Group

Q Is this an insurance plan?

No, this is not an insurance plan. Our savings plans provide you with discounted prices on a wide range of health care services and products; you will pay for services at the discounted price at the time services are received.


Q How does a savings plan work?

First, you can find participating providers by using the "Provider Search" page on this website or by calling 1-888-655-2393. After confirming the provider's continued participation when making an appointment, members just show their membership card at the time of service. Members are responsible for paying all fees directly to the provider.


Q Can I include dependents on my plan?

Yes, one of the wonderful features of our savings plans is that your entire household can receive the discounts, even children living at college!


Q Can I use my membership when I travel away from home?

Yes, your membership can be used at any participating provider in the United States.


Q What doctors can I go to?

You can find participating providers for the savings plan by visiting the "Provider Search" web page on this website or calling 1-888-655-2393 and pressing option 1, then option 1 again.


Q How long will it take me to get into the system after I sign up?

After you have successfully become a member (either by joining on the website or calling 1-888-655-2393), you will receive your membership materials and membership cards in about 7-10 days.


Q How do I get additional membership cards?

If you need additional cards for your household, or have lost your card, please call Member Services at 1-888-655-2393. We will be happy to send additional cards to you.


Q Can I go to a provider that does not participate?

You may go to the provider of your choice. However, you will only receive a discount by going to a participating provider.


Q There is not a provider close to my home. What can I do?

While some ZIP code areas may have a limited number of providers, there are usually providers within a 50-mile radius of your ZIP code. You can refer a provider for participation in the network by visiting and selecting "Refer a Provider." The program administrator will contact the provider with information on how to apply to participate in the program. Because of the application and credentialing process, it may take 6-12 weeks before a provider is added to the network. Not all providers will agree to accept the discounted fees required by the program.


Q If my doctor or dentist refers me to a specialist who is not in the network, do I still get a discount?

You will only receive a discount by going to a participating provider. You might try printing out a list of participating providers to share with your doctor or dentist to see if he/she could recommend any of the participating specialist locations.


Q What if I feel the provider overcharged me?

You can send a copy of your bill and a written letter to the administrator of the plan, Careington International Corporation, Attn: Provider Relations, P.O. Box 2568, Frisco, TX 75034. They will investigate your inquiry, and you will be contacted regarding the findings.


Q What if I have a complaint about a provider?

Please submit all issues in writing, including a copy of your bill. You may fax them to (972) 335-3968, or you may mail them to Careington, Attention: Member Services, 7400 Gaylord Pkwy, Frisco, Texas, 75034. Call Member Services at 1-888-655-2393 for assistance.


Q Once I select a provider, am I assigned to that provider? How often can I change providers?

Another great feature of the savings plan is your ability to select any provider from the network. You can change providers at any time, and household members can select their own providers. Call Member Services at 1-888-655-2393 for help finding participating providers or visit the "Provider Search" web page (www.careington.com).


Q What should I say when I call a provider to make sure they participate?

The providers will recognize the name of the network with which they participate, so when you call, it is important to use the name of the correct network.


Q How do I cancel my membership?

Verbal cancellations are accepted over the phone. If you cancel within the first 30 days of joining, you'll receive a 100% refund less any nominal processing fees, no questions asked.

Mailing Address:

Association Benefits Group
PO Box 496
Elfers, FL 34680

Phone Numbers:

Phone: 1-888-655-2393

Fax: 1-888-411-8533 or 727-816-9057

Telemedicine Overview

Telemedicine gives you 24/7 access to doctors in your state, even on holidays or while you're traveling.

You can consult with these doctors for common ailments such as a cold and even more severe ailments such as a rash or the flu without ever having to step foot in a doctor's office.

When medically appropriate, telemedicine doctors can also prescribe short-term, non-DEA controlled medications and have them sent to the pharmacy of your choice for added convenience. Telemedicine fits your schedule and makes getting back to your normal routine easy.


How to Access

  1. Go online or call the toll-free number to create and register your account.
  2. Fill out your medical history. Any dependents over 18 will have their own medical profile and be required to fill out their own medical history. Your medical history is required before you can consult with a doctor.
  3. Request a video or telephonic consult either online, over the phone or through the mobile app.

Q When should I use telemedicine?

While telemedicine can be used for a myriad of non-emergency ailments such as allergies, cold and flu, pink eye and urinary tract infections, telemedicine is not to be used for emergency situations. Should an emergency situation arise, call 911.


Q How much do telemedicine consultations cost?

Check with your specific plan for details on the amount of consultations you're allowed per month.


Q Can I use telemedicine while I'm on the go?

Absolutely! Since traveling can wreak havoc on your immune system, telemedicine is available while you're traveling within the United States.


Q Are prescriptions guaranteed?

No, prescriptions are not guaranteed. While DialCare doctors can write prescriptions and send them to the pharmacy of your choice, prescriptions are written at the discretion of your doctor. Also, keep in mind that doctors do not write prescriptions for DEA-controlled substances or other classes of medication such as mood-altering drugs, including antidepressants, antianxiety or lifestyle medications.