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"Frequently Asked Questions" (FAQ's)
Q: How do these programs work?
A: Once you join, you are issued a membership card. At the time of service with a participating provider, just present your card to receive your discount, and pay the discounted amount. You may use the program as often as you wish.
Q: How do I find participating providers?
A: You can locate participating providers, convenient to you, using our online search. Up to 25 names per category will be displayed, online. Participating providers have met a highly selective credentialing procedure based on education, background, office facilities and other requirements. In order to receive a discount, you MUST use a participating provider. When you call to make an appointment, verify that the provider is currently participating with CAREINGTON International (dental); Cole Managed Vision (vision); American Whole Health (chiropractic and alternative care); Advance PCS (prescription), HearPO (hearing) PHCS (physician) and Galaxy (hospital).
Q: If my provider does NOT participate, what can I do?
A: Let us know the name of your provider, and we will have him or her contacted about participating. Because providers must meet a selective process, please be aware that the credentialing and qualifying period can take several months, from start to finish. Please click below to submit the name of your provider. In the meantime, visit our online participating provider locator to find participating providers convenient to you.
Q: How do these Programs differ from insurance?
A: These Programs offer many of the same Advantages as insurance, generally at a much lower cost, and with fewer limitations than traditional insurance. You can use the Program as often as you wish.
Q: If I already have insurance, do any of the Programs coordinate Advantages with my insurance? If so, how?
A: In general, the dental and prescription Programs can coordinate Advantages with indemnity insurance Programs (not PPO and HMO Programs). In order to receive Advantages, first visit a participating provider. After paying the reduced fee, file a claim with your insurance company for reimbursement. With other providers, you will probably need to choose between either your discount Program or your insurance Program. In any event, we recommend that you contact your insurer for information specific to you and your policy.
Q: Once I join, which family members can also use the Program?
A: Family members in your household, including your spouse, children, and financially dependent relatives living in your home are all entitled to use the program.
Q: Is dental work started before joining discounted?
A: Dental work STARTED before signing up for the dental Program is not discounted, even if completed after joining. However, pre-existing conditions ARE allowable, when work is started after joining.
Q: How often can I have my teeth cleaned under the dental Program?
A: As often as you wish. There are no limits on how often you use your dental Advantages.
Q: Are implants discounted under the dental Program?
A: Implants and some whitening procedures are not discounted by all participating CAREINGTON providers. Check with your participating provider for further information.
Q: What are the discounts I can receive?
A: The amount of the discount will vary depending on where you are located. You can click here for the dental fee schedule specific to your state. The dental schedule applies to services provided by participating General Dentists. Procedures not listed on this schedule are discounted at 20% off the General Dentist's normal fee. However, lab fees are not discounted. Participating Dental Specialists will give a 20% discount off their normal fees. Click here for a chart showing the Vision schedule of Advantages. Other savings are listed under each specific Program. The price of prescriptions changes daily. Your pharmacist can tell you the preferred price of your medication when you present your card.
Q: Can I use my prescription card to get discounts on over-the-counter products and non-prescription medications?
A: With the exception of diabetic supplies (e.g., strips, lancets, meters), most over-the-counter products and non-prescription medications are not allowed at the pharmacy. However, over-the-counter products are available, at a discount, to our prescription members through AdvanceRX.com. You can also receive discounts of 15% for diabetic supplies, mailed to your home, at no extra charge, through Liberty Medical.
Q: What if I lose my Program card or need to order extra cards?
A: No problem. Just contact us to request additional cards.
Q: How can I get started?
A: Locate a participating provider convenient to you using our online search (or call us toll-free). Up to 25 names per category will be displayed, online.
Join by secure online application, phone, or fax. Advantages begin on the first of the month. (You may choose the first of the current month or the next month.) You will receive your ID card within 7-10 days after joining. (Please note that there is a 30-day waiting period from the original date of joining for non-emergency in-patient hospital services through the Total-Care Program.)
Note: When joining, you will be asked for your social security number, and it will be used to help identify you as a member.
In order to receive a discount, you MUST use a participating provider. When you call to make an appointment, verify that the provider is currently participating with CAREINGTON International (dental); Cole Managed Vision (Vision); American Whole Health (chiropractic and alternative care); Advance PCS (prescription), HearPo (hearing) (or Miracle Ear for the Total-Care Program); or ppoNext (physicians/hospitals). You are responsible for paying your discounted bill at the time of service.
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