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What does COBRA do?
COBRA provides certain former employees, retirees, spouses, former spouses, and dependent children the right to temporary continuation of health coverage at group rates. This coverage, however, is only available when coverage is lost due to certain specific events. Group health coverage for COBRA participants is usually more expensive than health coverage for active employees, since usually the employer pays a part of the premium for active employees while COBRA participants generally pay the entire premium themselves. It is ordinarily less expensive, though, than individual health coverage.

 

 
Frequently Asked Questions
How often can I use my dental, vision or Rx plan?
You can use your plan as often as you like.
How long will it take to receive my card?
CAREINGTON online Orders are usually entered into our system within two business days.  You will be able to use your Dental benefits as soon as you are entered into the network database (usually within 3 business days).  Expect to receive your CAREINGTON dental/vision card within 7-10 days.

UNI-CARE Fulfillment kits will usually arrive approximately 15 days after you place your order.

What do you do with the information I supply with an online order?
The information you supply is used strictly for access to our networks.  Any information that you supply is kept confidential and will not be sold or used for any other reason.  If you don't want to provide your social security number, simply enter the number 123-45-6789.  For more information on your privacy, please read our Privacy Statement.
Why do I need a dental or health savings plan?
You need these plans to help you save money on health-related expenses. Using our plans you can get access to quality services and providers, sometimes at a fraction of the cost. Keep in mind that just because you are getting a discount does not mean you are getting lesser service or quality. Everything remains the same-except a higher price tag.  It's like getting the same price the insurance companies have been getting all along.
Is your plan a health insurance plan?
No. These plans provide discounts and savings for health care expenses such as dental, vision, hearing, chiropractic, and prescription drugs charges through participating providers.
What else will I receive with my membership card?
You will receive a complete package in the mail detailing how you can use your Benefits program, as well as a personalized provider list.
What if I'm not satisfied with the plan coverage?
If you are not satisfied with your dental plan, you may cancel the Careington coverage at any time within the first 45 days or your UNI-CARE plan within the fist 60 days and receive your money back for membership.
How do I renew my dental plan?
If you purchase a monthly dental plan, your plan will be automatically renewed until you choose to cancel.  If you purchase an annual dental plan, the plan will also be renewed automatically.  You will receive a renewal notice (approximately 30-60 days in advance) by U.S. Mail.  If you choose not to renew your plan, simply call the toll free number included with the notice or visit our insurance company directory for contact information.
Can I use your discount plans to supplement my insurance benefits?
If your insurance does not cover the services our plan covers, yes, you may use it to provide discounts on services not covered. However, you may not use this plan with any other discounts you might receive. (For instance, in the event you have a set co-pay, you cannot use this plan to provide a discount in addition to the co-pay.) It is still important to note that our dental/vision plans are NOT AN INSURANCE PLAN, nor is it intended to replace ANY INSURANCE you currently have.
What kind of discounts will I get?
In most cases, you will pay a pre-negotiated fee for services rendered. In other cases, you will receive a discount on items, such as contact lenses or eyeglasses.
Provider Information
How can I check to see if there are any providers in my area?
Once you choose your plan, click on the "provider search"  You can enter your ZIP code in this area and you will be given a list all providers in your area.
How will a provider know if I am enrolled in your plan?
After you are enrolled, you will receive a membership card in the mail that identifies you as a member. When you are paying for a service, simply present your card at the time of service/payment.
If you have other specific questions, please call
Long Term Consumer Care, Inc. at 1-800-544-9505.