Careington Extended Dental Plans

We have something new and we believe innovative for the dental insurance market!!! Wouldn’t it be nice to be able to offer a dental plan that is different and not just the same as everybody else? This dental product answers every question with yes.

Check out these sales features:

  • Significantly Lower Monthly Premiums when compared to Indemnity or PPO Plans
  • PPO negotiated fees continue after insured benefits have been exhausted
  • Group Plans have no takeover but also have no waiting periods for new business or takeover.
  • Plan 1 and 2 allow group sizes from 2-99 and Plan 3 allows group sizes from 6-99 employees.
  • Insured PPO plan and Extended negotiated fee plan use the same dental network
  • PPO negotiated fees available for many services not covered by other insured dental plans (adult ortho, cosmetic treatments, bonding, and veneers)
  • Insured policy underwritten by A.M. Best (A) Excellent Rated Carrier
  • One of the most recognized professional dental networks in the country (Over 62,000 providers nationwide)

3 plans to choose from

  • All plans are available voluntary or employer paid
  • No Waiting periods for New Business or Takeover Groups
  • No Annual Maximum for Plans X1 and X2. $2000 Insured Annual Maximum for Plan X3.
  • After annual maximum for insurance stops and for treatments not covered by the insurance policy, the plan continues to provide services with no maximum for plan X3 only.
  • Lower negotiated Fees ranging from 20% to 50% are available (adult ortho, cosmetic treatments, bonding and veneers) with no waiting period.
  • The CAREINGTON Dental Network is one of the nation’s largest provider panels, with over 54,000 participating providers nationwide.

Non-network dentists will not honor the PPO discount given by Careington network providers.
If you go out-of-network, you may have to pay the full amount charged by the Non-network dentist.

Plan Designs

 
Plan X1
Plan X2
Plan X3
Benefits
PPO/PPO
PPO/PPO
PPO/PPO
Diagnostic & Preventative
100%
100%
100%
Basic (fillings & simple extractions)
PPO Discount
80/20
80/20
Endodontics
PPO Discount
PPO Discount
50/50
Periodontics
PPO Discount
PPO Discount
50/50
Oral Surgery
PPO Discount
PPO Discount
50/50
Major
PPO Discount
PPO Discount
50/50
Orthodontia
PPO Discount
PPO Discount
PPO Discount
Deductible*
None
$50/$150
$50/$150
Insured Annual Maximum
No Max
No Max
$2,000

 

Underwriting Guidelines

X1 & X2 Plans for groups two and up shelf rates apply
X3 Plan for groups with 6-99 shelf rates, groups of 100 employees and over need to be experience rated

Rates

Click here to download the brochure with rates (PDF format)...