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We make it easy to get friendly, personal and independent help with health care reform questions with fast and free online support through OnlineNavigator.orgTM as well as Limited telephone support at (800) 609-0683. OnlineNavigator is an independent adviser service not acting as agent for any qualified health insurance marketplace and is not affiliated with any federal or state program.

Member Services:
P.O. Box 2568
Frisco, Texas 75034
(800) 441-0380
low cost health insurance


The nation's largest and most reputable marketer of PPO discount plans
All discount plans include a 45 day trial period with full money back if not satisfied with the plan benefits.
Dental & Vision plan $108/year 
Multi-care plan $159/year
Premier Total Care plan $269/year

Careington is the nation's premier marketer of dental, medical, health and lifestyle discount plans that help members save money on health care.
low cost health insurance
Who is eligible?
All applicants are eligible for these discount plans.
low cost health insurance
Careington offers preferred provider pricing discount plans that doe not provide any insurance of benefit payment.
Careington PPO discount plans


10/14/2015 - Careington has a new enrollment web portal that includes its popular telemedicine programs. Part od the site - the enrollment page - is available in Spanish. We are working on expanding Spanish language services.
- The employee benefits subsidiary of insurance giant American International Group (AIG) announced today it has chosen Careington as the new provider of all of its dental PPO plans beginning January 1, 2010. In a press release, the company wrote "Careington International Corporation is a licensed Discount Medical Plan Organization. Dedicated to improving the health and well-being of individuals, Careington's health and wellness solutions are designed to complement traditional health insurance and provide substantial savings for under-insured or uninsured individuals". Donna Fahey, senior vice president of Employee Benefit Solutions is quoted as saying that Careington's "new, larger network offers more provider locations than ever before, delivering the comfort of choice, while reducing both client costs and concerns.”

Product Reviews

The difficulties and bad feelings that can result when a dentist charges a missed appointment fee are discussed in this thread at Complaintsboard. Neither Careington nor any other dental plan can help a consumer with this issue; it is solely a business practice decision of the dentist.

The Careington dental network was reviewed in the New York Times in an article titled "Comparison Shopping for discounted dental Care" on June 16, 2011. Unfortunately the article focused primarily on the retailer's Web site and not on the benefits of the discount network itself. Also, the author was apparently not aware that the same type of discount arrangement is already available for doctor and hospital charges through Careington's multi-plan product.

If you wish to submit comments to be incorporated into this review section, please e-mail us. We appreciate your feedback.


This Careington discount network is generally regarded as the largest and best-known of its type in the U.S., especially for dental services. We have never received a negative comment or complaint about the company, its services or its handling of a customer request in more than ten years as a retainer of the Careington network services through


Some people may confuse a discount network service with an insurance plan. While reputable retailers and consumer protection authorities go out of their way to highlight the distinctions, there are still a few unscrupulous sellers and/or inattentive buyers of misrepresented services. Most states have adopted strict rules regarding the marketing of discount services that are designed to minimize the chance of a misunderstanding.

Forms in PDF format for download

All available forms can be found by following the quote and enrollment link above.


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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.