Frequently Asked Questions

1. Is this an insurance plan?
2. How does the plan work?
3. What doctors can I go to?
4. How do I sign up?
5. How long will it take me to get into the system after I sign up?
6. How do I change my address if I move?
7. How do I file a claim?
8. Can I go to a provider that is not in the network?
9. There is no provider close to my home. What do I do?
10. If my dentist refers me to a specialist who is not in the network, do I still get a discount?
11. Can I use this plan even if I already have insurance?
12. Can I include family members?
13. What do I do if I feel the provider overcharged me?
14. What do I do if I have a complaint about a provider?

1. Is this an insurance plan?

No. Through your Careington membership, you receive a discount for the health services you
require and pay as you go. There are no administrative forms involved.

2. How does the plan work?

Members who join may visit an in-network provider and receive a discount off the provider's normal fees. The member pays out-of-pocket at the reduced rate.

3. What doctors can I go to?

You can review the list of participating providers in your area by using the provider search on this web site or by calling us toll-free at 1-888-501-0001. Please call to verify participation of doctors before you schedule an appointment.

4. How do I sign up?

It’s easy. Join online or by calling us toll free 1-888-501-0001.

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

Within 48 to 72 hours after you join, your information will be downloaded into our system .

6. How do I change my address if I move?

Call our Member Services Department with your updated information, toll free 888-501-0001.

7. How do I file a claim?

There are no administrative forms to file. This is NOT insurance. You receive discounts from the health services you require. We are NOT a traditional indemnity insurance company.

8. Can I go to a provider that is not in the network?

No. You will only receive a discount by going to a provider in the network.

9. There is no provider close to my home. What do 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. Please call us at 1-888-501-0001 for information on how you can nominate a provider near you.

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

No. There are no out-of-network discounts.


11. Can I use this plan even if I already have insurance?

Yes, as long as your plan isn’t a PPO, HMO, or another discount plan. Just go to a provider on the plan, show your card, pay the discounted fees and ask for a copy of your bill. Then, file the claim with your insurance company to be reimbursed by them. This lessens your out-of-pocket expenses and stretches your dollar so you reach your maximums more slowly.

12. Can I include family members in my plan?

Yes. Select the Family Plan, and everyone currently living in your household will be eligible for discounts with the plan.

13. What do I do if I feel the provider overcharged me?

Contact us right away! Send a copy of your bill and a written letter to:
Careington International Corporation
Attn: Provider Relations
P.O. Box 2568
Frisco, TX 75034.
We will investigate your inquiry, and you will be contacted in a timely manner regarding the findings.


14. What do I do if I have a complaint about a provider?

Contact us right away! Submit all issues in writing including a copy of your itemized bill. The dental office refers to this as a ‘superbill’. You may fax these to 1-972-335-3968, or you may mail them to Careington, Attention: Member Services, 7400 Gaylord Pkwy, Frisco, Texas, 75034. Call Member Services at 1-800-290-0523 for help with any concerns you may have.

Disclosures: THIS PLAN IS NOT INSURANCE. THIS IS NOT A MEDICARE PRESCRIPTION DRUG PLAN.* The plan provides discounts at certain health care providers for medical services. The range of discounts will vary depending on the type of provider and service. The plan does not make payments directly to the providers of medical services. Plan members are obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount medical plan organization. Before purchase, you may access a list of participating health care providers at this website. Upon request the plan will make available a written list of participating health care providers. You have the right to cancel within the first 30 days after receipt of membership materials and receive a full refund, less a nominal processing fee. Discount Medical Plan Organization and administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone 800-441-0380. Note to Texas Consumers: Regulated by the Texas Department of Licensing and Regulation, P.O. Box 12157, Austin, Texas 78711; telephone 1-800-803-9202 or (512)463-6599 website: www.license.state.tx.us/complaints. The program and its administrators have no liability for providing or guaranteeing service by providers or the quality of service rendered by providers. *Medicare statement applies to MD residents when pharmacy discounts are part of program. This program is not available in Vermont.