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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

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Comparison of Careington dental plan

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: Some dental plans publish comparisons of their benefits with other competitive plans. Careington sounds like a good plan, but I was unable to find a comparison of Careington with other dental plans.

A: There are two reasons for this. First, Careington is a conservatively managed company that accepts the position taken by some state insurance departments that: a) discount dental plans fall under the jurisdiction of the insurance department and b) that side-by-side comparisons of products for marketing purposes is unethical and illegal. (More on both of these issues will follow in future issues of OnlineAdviser). Another reason for the lack of published information is the proprietary fee schedule for dental benefits. This is the core advantage of Careington's dental plans. Unlike most dental discount plans that offer a percentage discount on services, Careington gives the actual dollar amount of your payment for most dental services. This fee schedule is available only to members, not to the public and not to prospective members. Dentist agree to the discounts because Careington directs new patients to their office. Obviously the dentists would not agree to the discounts if the schedule were made available to the public. The best way to check out the details of this product is to enroll for a one month trial. If for any reason you are not satisfied with the discount schedule or any other aspect of the plan, just let them know in the first 30 days for full refund. Careington is a reputable company that will honor your request without a hassle.


More resources:

Careington Discount Dental Plans