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

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.

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 residents will be refunded the 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.

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