AgentFAQ

1. IS THIS AN INSURANCE PLAN?

No, we are not a traditional indemnity insurance company, so there are no claims to file. Your Clients will pay a discounted rate on health services at the time they receive them.

2. HOW DOES Careington BILL MY CLIENTS?

Your Clients have several choices when submitting payment. Careington accepts all major credit and debit cards, bank drafts and checks/money orders. Checks and Money Orders are accepted for annual amounts only. When submitting an application from the customer, make sure the total on the application matches the amount of funds submitted. Funds should be made payable to Careington International.

3. WHAT IF A CLIENT WANTS TO USE A PROVIDER NOT IN YOUR NETWORK?

The Provider Relations department will attempt to contact the dentist within 72 hours of receiving the referral. Please supply the dentist's contact information (name, address, city, state, zip, phone, name of office manager) and that of the person referring the dentist. The referrals can be sent to Careington via fax at 800-247-4450, Attention: Network Development or via email at provider@careington.com.

4. HOW DO I SUBMIT BUSINESS?

Applications with membership payment may be submitted via fax or mail. They will be processed immediately and in our system 24-hours later if all appropriate data, including customer and agent information, has been provided on the application. Correct payment must accompany the application for the customer to be fulfilled. Please note that all business submitted by an outside agent to Careington International for customer fulfillment MUST include your agent code.

• Please make special note of the effective date on the application.
• Applications submitted through the middle of each month will have a retroactive effective date of the first of each month.
• Applications submitted after the middle of month are effective the following month, unless instructed otherwise.
• The effective date is ALWAYS on the first of each month.

5. HOW DOES YOUR COMMISSION STRUCTURE WORK?

All Agents start at a 25% level commission. You will receive 25% on your Clients’ membership fees for as long as they remain in the plan. In addition, you can raise your commission by enrolling large numbers of members.

• Base commission level is 25% up to 499 active members.
• With 500 – 999 active members, your commission increases to 30%.
• With 1,000+ active members, your commission increases to 35%.

You also retain 50% or $10.00 of the $20.00 Enrollment Fee. Even if the customer cancels his/her membership, YOU STILL KEEP THIS FEE.

6. WHAT IF A CLIENT HAS A COMPLAINT ABOUT A PROVIDER?

Please submit all issues in writing including a copy of the member’s superbill. You may fax them to (972) 335-3968, or you may mail them to Careington, Attention: Member Services, 7400 Gaylord Pkwy, Frisco, Texas, 75034. Have members call Member Services at 1-800-290-0523 for help with any concerns they may have.

7. CAN I MARKET Careington ON MY WEBSITE?

We encourage our Agents to have a strong presence on the web. We will create specific links that allow your Clients to apply securely on your site and to search for Providers in their area. Remember! All websites must be reviewed and approved for compliance in all states before going live.

8. WHICH PRODUCTS CAN I SELL?

You may sell Dental, Dental/Vision, Multi-Care and Total-Care. Please download the appropriate brochures from this website for details on each plan.

9. WHAT DO I TELL A CLIENT WHO WANTS TO CANCEL?

Cancellations must be in writing and can be sent via regular mail, email, or fax. Phone requests cannot be honored. A full refund of the membership dues will be given if received within the first 45 days of acceptance. The processing fee is non-refundable.

10. HOW LONG WILL IT TAKE MY CLIENTS TO GET INTO THE SYSTEM AFTER THEY SIGN UP?

Your Clients’ information will be downloaded into our system within 48-72 hours after they enroll. A customer can be immediately effective and can see a dentist the same or the next day as long as the effective date is backdated to the first of the month when written. Fax the application to (877) 335-7811. The dentist may call (800) 290-0523 for verification.

11. CAN MY CLIENTS INCLUDE THEIR FAMILY MEMBERS IN THE PLAN?

Yes, Household Plans include everyone currently living in the household. All family members are eligible for discounts with the plan at no additional cost.

12. HOW DO I SIGN UP GROUPS?

Businesses or groups with at least five households may be put on a monthly LIST BILL. Please collect at least the first month's payment and processing fee for each member. Have the authorizing officer or manager sign the two-page form for group participation. Submit that information with a completed application for each employee/member along with the premium. Careington will send a monthly list bill direct to the company/group as an invoice. Since the plan is completely portable, any employee/member may take the plan with him/her if he/she discontinues with the employer/group.