Is this an insurance plan?
No, this is not an insurance plan. Our discount plans provide you with discounted prices on a wide range of health care services
and products; you will pay for services at the discounted price at the time services are received. 

How does a discount plan work?
Saving money on health care expenses is easy. First, you can find participating providers by using the "Provider Search" page
on this Web site or by calling (800) 290-0523. After confirming the provider's continued participation when
making an appointment, members just show their membership card at the time of service. Members are responsible for paying
all fees directly to the provider. 

Can I include dependents on my plan?
Yes, one of the wonderful features of our discount plans is that your entire household can receive the discounts, even children
living at college!

Can I use my membership when I travel away from home?
Yes, your membership can be used at any participating provider in the United States.

How do I get additional membership cards?
If you need additional cards for your household, or have lost your card, please call Member Services at (800) 290-0523 and
press option 1, then press option 1 again. They will be happy to send additional cards to you. 

Can I go to a provider that does not participate?
You may go to the provider of your choice; however, you will only receive a discount by going to a participating provider.

If my doctor or dentist refers me to a specialist who is not in the network, do I still get a discount? 
You will only receive a discount by going to a participating provider. You might try printing out a list of participating providers
to share with your doctor or dentist to see if he/she could recommend any of the participating specialist locations.

What do I do if I feel the provider overcharged me?
You can send a copy of your bill and a written letter to the administrator of the plan, Careington International Corporation,
Attn: Provider Relations, P.O. Box 2568, Frisco, TX 75034. They will investigate your inquiry, and you will be contacted regarding
the findings. 

Once I select a provider, am I assigned to that provider? How often can I change providers?
Another great feature of the discount plan is your ability to select any provider from the network. You can change providers
at any time, and household members can select their own providers. Call Member Services at (800) 290-0523 for help finding
participating providers or visit the “Provider Search” on this site.

What should I say when I call a provider to make sure they participate?
The providers will recognize the name of the network with which they participate, so when you call, it is important to use the
name of the correct network.

How do I cancel my membership?
Verbal cancellations are accepted over the phone. If you cancel within the first 30 days of enrollment, you'll receive a 100%
refund less any nominal processing fees, if applicable. For cancellations after the first 30 days, Members who are billed
monthly will stop receiving monthly charges and Members who paid the annual amount will receive a pro-rated refund.

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