Today, I am writing this experience as a customer and not as insurance agent.
My mother is here and I have purchased visitor medical insurance as well as Careington Dental plan. We did not have to use medical insurance so far, but I had to use Careington Dental 3 times so far.
My mother had tooth pain, therefore I looked at the provider directory on this website for Careington and found a dentist less than quarter mile from my house. I took an appointment and I was given appointment for next day, which I would consider that it is quite fast.
When we visited dentist office, I simply showed Careington dental plan card and I was told to pay my co pay and rest was covered by Careington. During first visit, only examination was done and we were told that she needs several tooth extracted. He gave appointment for next day and extracted necessary tooth.
Next week, we visited again to extract another tooth as it was necessary.
All 3 times, so far, I paid my co pay and rest was taken care of by Careington. No claim forms, nothing. And in the procedures that I did, I would say I had to pay around one third of the total cost. (Actual cost for you may vary depending upon what you get done.)
Therefore, I believe that this plan has worked out pretty good so far for me personally. (Of course, I have heard from several of my customers that it worked out good for them too.)
When we visited first time, dentist prescribed some pain killer medicines. Those are not covered by Careington. That needs to be covered by visitor medical insurance, of course, subject to deductible and co-insuranace. As the medicine cost was only $9.99, I didn't bother to do any paperwork and simply paid myself at CVS Pharmacy.
I would strongly recommend everyone to get Careington dental also in addition to visitor medical insurance. This plan costs only $11.95/month for a family. And I advise everyone not to wait until the last day to get this coverage when your relative complains of tooth pain, because it takes around 7 to 10 business days before participating dentists can see the insured's name in their computer. And you can't pay all money first, and then file for claim. You have to settle everything at the time of service.