Yes, one of the wonderful features of your Flexible Choice Dental, Vision, & Hearing Plan is that your entire household can enroll in this policy. The Affordable Care Act allows dependent children to be covered up to the age of 26.
Yes. Your Flexible Choice Dental, Vision & Hearing policy can be used when you travel. You may go to the provider of your choice anywhere in the United States. However, you will only receive the negotiated rates by going to a participating provider. You can find a list of participating providers by visiting Find a Provider section on our website.
You can visit a dental provider for care prior to receiving your ID cards in the mail. You can provide the dental provider your policy number and they can verify your coverage. If you do not know your policy number, please call Customer Service at (866) 459-4272 Monday – Friday, 8 a.m. – 8 p.m. ET.
My ID card only lists the primary member. Can I request additional ID cards for dependents on the policy?
Yes. You may request additional ID cards for the dependents on your policy. However, please note the card will still say the primary member's name. The policy number can be given to the provider to verify coverage for dependents.
If you need additional cards for your household, or have lost your insurance or discount ID card, please call Customer Service at (866) 459-4272 Monday – Friday, 8 a.m. – 8 p.m. EST. You will receive your membership materials and membership cards by mail in about 7 – 10 business days.
If you need an ID card, please call Customer Service at (866) 459-4272 Monday – Friday, 8 a.m. – 8 p.m. EST.
You may go to the provider of your choice. However, you will only receive the negotiated rates by going to a participating provider. Reimbursement will only be up to the negotiated rate. You can find a list of participating providers by visiting Find a Provider section on our website.
You may go to the provider of your choice. However, if you use an in-network provider, certain treatments and services may be provided at a discounted rate that may help your benefits last longer. You can find a list of participating providers by visiting Find a Provider section on our website.
While some ZIP code areas may have a limited number of providers, there are usually providers within a 50-mile radius of your ZIP code. You can refer a provider for participation in the network by visiting and selecting "NOMINATE A PROVIDER." The program administrator will contact the provider with information on how to apply to participate in the program. Because of the application and credentialing process, it may take 60 – 90 days before a provider is added to the network. Not all providers will agree to accept the discounted fees required by the program.
If my doctor or dentist refers me to a specialist who is not in the network, do I still get a discount?
You will only receive a discount by going to a participating provider. You might try printing out a list of participating providers to share with your doctor or dentist to see if he/she could recommend any of the participating specialist locations.
You can send a copy of your bill and a written letter to the administrator of the plan: Careington International Corporation, Attn: Provider Relations, P.O. Box 2568, Frisco, TX 75034. They will investigate your inquiry, and you will be contacted regarding the findings.
Please submit all issues in writing, including a copy of your bill.
Careington International Corporation
Attention: Member Services
7400 Gaylord Parkway
Frisco, TX 75034
Phone: (866) 459-4272
Fax: (866) 884-4825
Hours: Monday – Friday, 8 a.m. – 8 p.m. ET
Another great feature of the plan is your ability to select any provider from the network. You can change providers at any time, and household members can select their own providers. Call (866) 459-4272 Monday – Friday, 8 a.m. – 8 p.m. EST for help finding participating providers or visit the "FIND A PROVIDER" page.
I thought I bought a Cigna Dental, Vision & Hearing plan. Who are Careington and Loyal American Life Insurance Company?
You have purchased a Cigna Dental, Vision & Hearing plan. Loyal American Life Insurance Company is a subsidiary of the Cigna Corporation and is the legal entity and insuring company for your dental, vision and hearing policy. On occasion, Cigna will partner with other companies to create better experiences for our members. In this case, Careington is our network partner. Careington provides access to the network of dental, vision and hearing providers that you can visit to receive the negotiated rates as part of your policy.