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LAST UPDATED: January 14th, 2024

Careington is a Texas-based company founded in 1979 by two dentists. It specializes in dental discount plans for individuals, families, and businesses. These plans are an alternative to dental insurance. Over the years, it has expanded its dental network to offer plans across the United States.

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The Good

  • Low Monthly Fees
  • Fee Schedule Flexibility
  • High Network Quality
  • Plans Available for Employers and Independent Buyers
  • Additional Offerings

Low Monthly Fees

Careington plans have some of the lowest monthly premiums available for dental insurance. Monthly premiums start between $8.95 and $16.95, depending on the plan chosen. Rates may vary be the number of people covered by the dental plan and by state.

Fee Schedule Flexibility

Careington allows its customers to pay their fees either monthly or yearly. This flexibility allows customers more options for payment, which is nice because Careington also charges a $20 one-time, non-refundable processing fee.

High Network Quality

Careington works to ensure that its network is accessible and includes good dentists. Each participating provider must have renewed NCQA credentials from the National Committee for Quality Assurance (NCQA). The NCQA measures health care quality offered by clinics and care providers. With such high standards, you can be confident when visiting a Careington dentist.

Plans Available for Employers and Individual Buyers

Careington offers plans for employers and individual buyers. Businesses must contact Careington directly for more information. Individuals must input their zip code on the company's website to learn more about the dental savings plan options available in their area.

Plan options vary by area. However, options include Careington 500 Dental Savings Plan and Careington Dental Discount Plan. The differences between the two plans include dental network and costs of dental procedures. These differences allow you to select the plan that offers what matters most to you — more choice when finding a dentist or lower costs for dental care.

The Careington 500 Dental Savings Plan also offers discounts for orthodontics.

You may be able to combine dental savings with vision care and telemedicine. Although these packages have a higher fee, they offer additional value.

As you look at Careington plans, you can do a provider search to see which dentists accept Careington dental plans.

Additional Offerings

In addition to dental discount plans, Careington also offers other products including telemedicine, vision care, hearing care, prescription savings, long-term care, and identity theft protection. If you're looking for more than just dental discount plans, Careington has quite a few products.

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The Bad

  • Plan Limitations
  • Insufficient Customer Insight

Plan Limitations

In some areas, Careington only offers two plans. Additionally, Careington’s plans are primarily discount plans, so there are no deductibles or cost-sharing. Instead, plan members pay the discounted fees for the dental services and procedures they receive from a participating dentist. The discounts are between 5 percent and 60 percent depending on the plan and the dental procedure.

Discount plans can be advantageous because there is more transparency about costs of dental procedures. A Careington discount dental plan can be a good option for people with good dental health and few dental needs. However, if you are more interested in dental insurance plans, you'll need to consider other companies.

Insufficient Customer Insight

Careington does not have many reviews on, so it's hard to gauge customer satisfaction levels. However, Careington's plans seem to offer good discounts and its networks include dentists with NCQA credentials. 


The Bottom Line

Careington is a worth considering if you're seeking affordable dental care on a tight budget and have good oral hygiene. Careington plans are very inexpensive and provide access to excellent discounts on dental work. These plans are great for individuals with good oral health who are looking for something with lower monthly payments than dental insurance.

Discount plan offerings vary depending on location, so use the Careington website to see what is available to you. You may be able to combine your Careington dental plan with a vision care plan and telemedicine plan. 

Check the details of the plan you choose to understand the discounts you'll receive and an estimate of how much you'll have to pay at the time of service for dental care. You should also check to see who the participating providers are in your area to make sure you can find a good dentist before you select a Careington plan.

If you're looking for a dental insurance plan, you'll need to consider other companies. However, if you're looking for a discount plan, a Careington plan is worth looking into.

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Richard Miller

well i have had this policy for second year never used it they signed me up without my consent the second year and my new dentist does not accept it. I asked for a refund and they turned me down

4 months ago


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eddie psotta Greeley, CO

Not an insurance company but a reduced fee plan, which is very reasonable for normal services

4 years ago