Group Dental Plan from Careington, Small Group Dental Insurance Alternative.

- A Low-Cost Dental Insurance Alternative -

After medical, dental is the second most requested workplace benefit. Here, your business can offer one of America's top group dental plans totally risk-free.

Group Dental Rates...

Low-cost small group dental insurance alternative

Only 3 employees required for a group
(full or part-time).

single employee ......... $6.95 month
employee plus 1 ....... $10.95 month
full family (3+) ......... $14.95 month

No Cost to the Employer...

No fees or cost required from the employer. Cancel anytime without penalty.

100% Risk-Free...

All enrolling employees enjoy an unconditional 45 day money-back guarantee.

An Industry Leader...

CAREINGTON is one of America's oldest (since 1979) and largest (over 8,000,000 members) dental plan organizations. CAREINGTON partners with some of America's largest companies and employers.

Award-winning member service makes this one of the easiest workplace benefits a company can possibly offer.

Save 20% to 60% on nearly all dental care.

No waiting period for services.

Existing conditions are accepted immediately (except work actually in progress).

For additional details, please see How the Group Dental Plan Works.

Group Dental Plan vs. Group Dental Insurance:

Here's a quick comparison of group dental plans and group dental insurance for small business.

Compare Key Features
Feature	Group Dental Plan	Group Dental Insurance
Monthly Rates	$6.95/mo. - $14.95/mo. (CAREINGTON)	About $30/mo. - to over $100/mo. for an employee & family.
No. of employees needed for group	3 employees minimum. May include part-time employees.	Typically, 10 or more employees, full-time only.
Must business pay a portion of the premium?	No. Employees can pay 100%.	Usually, the business is required to pay 50% of employee premium.
Waiting Period for dental benefits?	No waits! Existing conditions accepted immediately (except dental work actually in progress).	Often, a 12-month waiting period for major services (crowns, dentures). Few exceptions for small groups.
Feature	Group Dental Plan	Group Dental Insurance
Dentists	Members must use participating plan dentists for all benefits. (Look-Up Dentists)	Typically, may use any dentist (except orthodontics).
Benefits	No limit on annual savings. Save 20% to 60% on nearly all dental procedures. (View Discounts)	Annual limit on benefits, typically $1000 to $1500 per year, per person subject to deductible, coinsurance, and maximum allowable charges.
Deductible	No. Full discounts apply immediately.	Annual deductible ($50 to $100) must be paid before benefits start.
Are claim forms required?	No.	Yes.
Eligible ages	All ages accepted.	Typically, to age 65.

Summary...

Group Dental Insurance - the primary advantage is (normally) you can go to any dentist for covered dental services. The disadvantages are - higher cost, often long waiting periods for services (except preventative), claims paperwork, deductibles, re-imbursements based on "maximum allowable charges," and an annual limit on insurance benefits.

Group Dental Plan - the disadvantage is that members must use participating plan dentists for benefits. The advantages are that members may begin immediately, no waiting periods for services, existing conditions are accepted immediately, low cost, no paperwork, no deductibles, no annual limits.

The key to value is a suitable selection of participating plan dentists in the area where your employees live and work. Look-Up Dentists (opens in a new Window).

Interested? Please Contact Us.

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Small Group Dental Plan from CAREINGTON - Dental Insurance Alternative