No. Careington is a discount network, not insurance, so there is no deductible, no coinsurance, no claims, and no annual maximum. You pay two things: the membership fee ($129/year individual, plus a $20 one-time processing fee) and the discounted member price at each visit, like about $50 for a cleaning or $95-$145 for a filling.
A deductible is an insurance mechanic: the amount you pay out of pocket each year before the plan starts paying. Careington never pays anything on your behalf, so there is nothing for a deductible to trigger. The concept does not apply.
| Cost item | Amount |
|---|---|
| Membership (individual) | $129/year ($12.95/mo) |
| Couple / family tiers | $169/year / $189/year |
| One-time processing fee | $20 on new memberships |
| Then at the dentist | Discounted member price per visit |
Member-price examples from our Careington fee schedule answer: routine cleaning about $50, composite filling $95-$145, porcelain crown $600-$900.
| Feature | Careington 500 | Typical dental insurance |
|---|---|---|
| Deductible | None | $50-$150 individual is common |
| Annual maximum | None | Often ~$1,000-$1,500 |
| Waiting period | About 3 business days to activate | 6-12 months for major work |
| Claims | None, pay the dentist directly | Claims and EOBs |
The trade is straightforward: insurance pays part of your bill after deductibles and caps; Careington shrinks the bill itself with no ceiling. If you want the full comparison: savings plan vs dental insurance.
No. There is no deductible, coinsurance, or claim process. You pay the discounted price at the visit.
The known costs are the membership fee and the $20 one-time processing fee on new memberships. Lab or OSHA fees that a dentist bills separately are outside the discount, which the network discloses.
No. None of the major national savings plans we track use deductibles, because none of them are insurance. It is a category-wide feature, not a Careington perk.