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Dental Care

National General Accident & Health Dental Indemnity plans work differently than other insurance plans.

You don't have any deductible to meet - or coinsurance or copays. Instead, it pays fixed, pre-determined benefits for the services you receive when you visit your dentist. That means we pay a certain amount of cash for a certain dental service, no matter which dentist you choose to visit.

With this plan, dental services are broken up into three categories: Preventive, Basic and Major*** services. If you've gone to a dentist to get your teeth cleaned, then you've received Preventive services before. Here are some examples of each:

    Preventive:
  • Exams
  • X-rays
  • Routine cleanings
    Basic:
  • Fillings
  • Extractions
  • Reline dentures
    Major (services are only covered if you have the Dental Indemnity Plus plan):
  • Inlay; metallic
  • Crown; resin
  • Retreatment of previous root canal therapy
  • Complete denture

Maximum Care Discount Network

Maximum Care PPO

Careington has owned and managed dental networks for 30 years and has recently contracted with DenteMax, another quality dental network provider, to create a "combined" national discount dental network with significant presence. This combined network is known as the Maximum Care Discount Network.

The Maximum Care Discount Network creates one of the largest dental networks nationally with a focus on neighborhood dentists. The network combines the outstanding network management skills of two great organizations and results in discounts of 20% to 50% below the 80th percentile of Reasonable and Customary charges.

Members are able to take advantage of savings offered by leaders in the dental care industry.

DISCLOSURE
THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance.
This plan does not meet the minimum creditable coverage requirements under M.G.L. c.111M and 956 CMR 5.00. This plan is not a Qualified Health Plan under the Affordable Care Act. This is not a Medicare prescription drug plan. The range of discounts will vary depending on the type of provider and service. The plan does not pay providers directly. Plan members must pay for all services but will receive a discount from participating providers. The list of participating providers is on this website. A written list of participating providers is available upon request. You may cancel within the first 30 days after effective date or receipt of membership materials (whichever is later) and receive a full refund, less a nominal processing fee (nominal fee for MD residents is $5, AR and TN residents will be refunded processing fee). Discount Plan Organization and administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone 800-441-0380.

This plan is not available in Vermont or Washington.

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Here's an example of the how your plan works if you have to go in for a filling.

The average price of a Composite filling is $201*. If you use a Careington Network dentist, you can reduce that cost to $90.00**. Once you add the benefit onto the network savings you are responsible to pay the remaining $15.00.

Treatment cost: $201*
Total with Network Discount: $90**
Dental Plan benefit: - $75
Total cost to you: $ 15

In this example, your dental benefits and network discount reduced the cost of your dental care by 93%. Now that's something to smile about.

* Regular cost is based on the national average of the 80th percentile usual and customary rates as detailed in the 2015 FairHealth Report in the Los Angeles, Orlando, Chicago and New York City metropolitan statistical areas.

** These fees represent the average of the assigned Maximum Care (DN14) fees in the Los Angeles, Orlando, Chicago and New York City metropolitan statistical areas.

*** There is a 180-day waiting period on major services in most states. After the waiting period, payments are 50% of the listed benefit for the remainder of the first policy year and 100% thereafter. Major services are not covered under Basic or Intermediate plans.

Example provided for illustration purposes only. Prices are subject to change.

DN11

Vision Care

VSP Logo

VSP Vision Savings Pass is a discount vision program that offers savings on eye care and eyewear. With the best choices in eyewear, VSP makes it easy to find the perfect frame. Members can choose from great brands like Anne Klein, bebe®, Calvin Klein, Flexon®, Lacoste, Nike, Nine West, and more.*

Members receive:

  • Access to discounts through a trusted, private-practice VSP doctor
  • One rate of $50 for eye exams**
  • 15% savings on contact lens exams***
  • Special pricing on complete pairs of glasses and sunglasses
  • Unlimited use on materials throughout the year
  • Exclusive Member Extras and special offers

*Brands subject to change
**This cost is only available with the purchase of a complete pair of prescription glasses; otherwise you'll receive 20% off an eye exam only.
***Applies only to contact lens exam, not materials. You're responsible for 100% of the contact lens material cost.
This plan is not insurance.
Not available in WA.

VSPS - 1/20/17

Vision Care

EyeMed logo
  • Members save 20% to 40% off the retail price of eyewear with the EyeMed Vision Care Access Plan D discount program through the Access network. Members are eligible for discounts on exams, eyeglasses and contact lenses from more than 90,000 providers nationwide including independent optometrists, ophthalmologists, opticians and leading optical retailers such as LensCrafters®, Sears Optical®, Target Optical®, JCPenney® Optical and most Pearle Vision® locations.

EYEM - 11/2/17

DISCLOSURE
THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance.
This plan does not meet the minimum creditable coverage requirements under M.G.L. c.111M and 956 CMR 5.00. This plan is not a Qualified Health Plan under the Affordable Care Act. This is not a Medicare prescription drug plan. The range of discounts will vary depending on the type of provider and service. The plan does not pay providers directly. Plan members must pay for all services but will receive a discount from participating providers. The list of participating providers is on this website. A written list of participating providers is available upon request. You may cancel within the first 30 days after effective date or receipt of membership materials (whichever is later) and receive a full refund, less a nominal processing fee (nominal fee for MD residents is $5, AR and TN residents will be refunded processing fee). Discount Plan Organization and administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone 800-441-0380.

This plan is not available in Vermont or Washington.

Privacy Policy | Terms & Conditions