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      January 24, 2020

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Dental Insurance vs Careington

Best Dental Insurance Plans

To help you find the Best Dental Insurance Plans, TopConsumerReviews.com provides you with an in-depth comparison of Dental Insurance and Careington.

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Where can you get the best dental insurance? If you're one of the 74 million Americans who aren't covered by an employer or government plan, chances are you've asked yourself that question recently. One big reason people avoid dental insurance is because those plans can be expensive.

The price for dental insurance can vary depending on where you live, but it's not uncommon for a basic cleaning to cost $100 - and that doesn't include the x-rays, the exam, or the cost of any repair work or fillings the dentist discovers during your visit. Fortunately, you can purchase your own coverage.

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Best Reviews

2020

Dental Insurance Reviews

5 stars
Dental Insurance

DENTAL INSURANCE

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Cost:

Plans start at $6.95/month

Benefits:

Plans from at least 9 different providers

Vision plans also available

Plans:

Dental Insurance

Discount Dental Plans

TopConsumerReviews.com Best-In-Class Blue Ribbon Award Dental Insurance is the internet's best resource for both kinds of dental coverage: traditional insurance and discount plans. When using the Dental Insurance site to shop for coverage, you'll have access to a variety of providers.

In our testing, we found plans offered by the following providers:

  • AmeriPlan
  • Ameritas
  • Argus
  • Delta Dental
  • Guardian
  • HumanaOne
  • Nationwide
  • Renaissance
  • Solstice

You start by entering your zip code to find plans in your area. Then, if you know you want a particular provider, you can select from the filters on the left side of the page. These filters also let you sort your options by Plan Type (such as Dental HMO, Dental Prepaid, Discount Card, Indemnity, or PPO) or Monthly Cost.

Naturally, your monthly or annual costs will vary depending on the dental coverage you select, but at the time of our review the lowest-priced plan in our region was the discount card offered by Argus. For $6.95/month for an individual or $14.95 for households of 2+ members, your coverage would include $50 cleanings, $80 fillings, $640 for a crown, and unlimited use of discounts.

The lowest-priced dental insurance plan in our area was also offered by Argus as an HMO. Monthly premiums ranged from $7.95 for an individual to $21.55 for a family of 3 or more, and sample pricing for services included free cleanings, $80 fillings, and no plan maximum or waiting period.

We like how this site spells out very clearly the basic information about each plan, with further details and a dentist provider search just a click away - although we would love to see Dental Insurance add a feature that allows you to search for a dentist and then see which plans are accepted by his or her office. Be sure to pay attention to the first box below each provider name: that's where you can see right away if it's a traditional dental insurance plan or a discount card.

We really appreciate the section that tells you any deadlines for getting coverage. For example, the Argus plan mentioned above required us to apply by the 25th of the month to get coverage on the first day of the following month, while AmeriPlan usually becomes effective within 48 hours of submitting the application.

You can select up to three plans to see a detailed comparison, if you're having trouble narrowing down your choices. We strongly encourage you to verify that there are dentists in your area that accept the plan you choose before making your purchase. For instance, the Argus dental insurance mentioned above was listed as available in our area, but the provider search turned up no participating dentists in our area.

Dental Insurance is operated by Kelsey National Corporation, which has been in business for over 50 years. The company has a stellar "A+" rating with the BBB and zero registered complaints as an accredited business there. This service also has licensed insurance agents available via toll-free number, Monday through Friday from 6am to 6pm Pacific Time, if you need help getting a quote, finding the right plan, or enrolling in the plan you've selected.

There's just no easier way to shop for traditional dental insurance and discount dental plans than the Dental Insurance site. No matter what type of coverage you want, this service will help you get the right plan for you, your significant other, or your whole family. Dental Insurance earns our highest ranking and is our recommended choice when shopping for dental insurance coverage.

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4 stars
Careington

CAREINGTON

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Cost:

Plans start at $8.95/month or $89/year

One-time processing fee of $20

Benefits:

No exclusions - anyone can join

Nationwide provider access (minus Vermont and Washington)

Vision and Telemedicine Add-ons available

Plans:

Discount Dental Plans

Careington wants to give you simple and affordable access to discounts on a range of healthcare services, ranging from dental to vision and including unique add-ons like telemedicine access. At the time of our most recent review, this dental discount plan provider was in good standing with the BBB: an A+ rating and accreditation, after being in business for nearly 30 years. (Note: Careington is not available in Washington State or Vermont.)

The site is very easy to use. Enter your zip code to see what Careington plans are available in your area. In our major metro area, these are the options:

  • Careington 500 Dental Savings Plan: the most popular coverage offered by this provider, this plan has premiums of $8.95/month for an individual, $13.95 for two individuals, or $16.95/month for a family of 3 or more. The payment schedule for this plan has a member pay of $34 to $44 for an adult cleaning and $60 to $74 for a filling. You'll also get a 20% discount on orthodontics for both children and adults.
  • Careington Dental Discount Plan: this coverage has the same premiums as the 500 plan. It also gives you a broader network of dentists to choose from, but the downside is that you'll pay more for the services you receive (like $95 for a filling instead of $74, for example).
  • Careington Dental & Vision Discount Plan: premiums for this coverage are $9.95 for one, $14.95 for two, and $17.95 for a family. In addition to the dental discounts described above, you'll also have access to discounts on eye exams, lenses and frames, and LASIK vision correction. The dental discounts aren't as generous on this plan ($60 for the cleaning, $98 for the filling), but that may be offset by the vision discounts (which are administered through VSP's Vision Savings Pass).
  • Careington Dental, Vision, Plus Telemedicine: for premiums ranging from $12.95 for an individual up to $21.95 for a family, you'll get access to discounts on dental and vision services and products. Additionally, you can also access telemedicine through DialCare for non-emergency medical issues and questions when your primary care doctor is unavailable. No need to go in for a visit when a telemedicine doctor can evaluate you remotely and even prescribe an antibiotic or other needed medication. Prescription discounts are also available through this plan.

Exact costs for services depend on where you live and the plan you select. Be sure to use the provider search to make sure there are dentists in your area. In our location, there was a good selection of dentists to choose from, many of which we knew to be reputable and skilled.

All plans require a one-time processing fee of $20. Your coverage begins immediately; if you need service right away, you can get your ID number through the toll-free number for Member Services.

Careington is a great option if you're looking for dental discount plans, and especially if you'd like some affordable extras like telemedicine or vision discounts. This company has a strong reputation, low premiums, and a good network of dentists and other providers.

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Continued from above

When it comes to Dental Insurance, you have two main options: traditional dental insurance or discount dental plans. With dental insurance, it works as you'd imagine you pay a monthly premium, and you may or may not have an annual deductible.

On the other hand, discount dental plans give you access to savings on dental services and are often valid for use from the day you pay for coverage. Many of these dental savings plans have options for further discounts on vision, hearing, prescriptions, and even telemedicine services.

So, what's the advantage of using one over the other? It really depends on what you're looking for. Many people like the security of a traditional dental insurance policy, because they're already familiar with how they work. However, a growing number of consumers are opting for discount dental plans: even though you have to pay at the time of service, the amount you save compared with paying 100% out of pocket can be significant.

No matter which type of dental coverage you need, what should you consider as you choose the right provider and plan for you or your family? Here are several criteria to keep in mind:

  • Type of Plans Available. If you already know you want a discount dental plan or traditional dental insurance, does the site offer it? How many providers are included? Can you choose from a wide range of plans, premium levels, and options?
  • Pricing. What will you pay for your coverage? Do you have the option to pay monthly or annually as you prefer? Will the dental insurance or discount plan save you enough money to justify the premiums and any enrollment fees?
  • Reputation. What do others have to say about their experience using the service and/or the plans provided? Is the company rated by the Better Business Bureau?
  • Support. Many dental insurance websites have licensed agents available to help you with your decision, assist you in completing the enrollment, and so on. How easy is it to get help if you need it?

TopConsumerReviews.com has reviewed and ranked the best Dental Insurance and discount dental plans available today. We hope this information helps you find the best coverage for a healthy smile at the right price!

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