Broker Booklet - 2021

BROKER HANDBOOK
Your Guide to Selling Careington

WELCOME
We are excited about your decision to grow your business with
Careington® International Corporation. As one of the largest
discount health plan providers nationwide, we work with the Becoming a
most respected providers and networks to offer members
significant discounts on health, wellness, lifestyle and financial Careington Broker
products and services. provides many
We hope this handbook provides you with the tools you need
advantages:
to best serve your clients' needs and to take your sales to the
next level. We’ve included information about our products and
services as well as details about product administration, rates,
commissions and more. As you review the handbook, keep in To best serve your clients
mind that we can also create custom plans for your clients
based on specific product and provider network preferences.
Innovative, money-saving
We are committed to ensuring the success of our brokers.
If there is anything we can do to further support your sales products and services
process, please let us know.
Sincerely,
Ongoing training and
Careington International Corporation online resources
No-cost, personalized
product website
Easy administration with

superior customer support
2 Copyright © 2021 Careington International Corporation :: All Rights Reserved

CONTENTS
4 Introduction
5 Careington's Discount Health Plans
6 Discount Plan Packages
8 Discount Plan Rates
9 Commissions
10 Application Process
11 Product Administration
12 Marketing Careington
13 Marketing Services
14 Compliance
15 Broker Portal
16 Frequently Asked Questions
Copyright © 2021 Careington International Corporation :: All Rights Reserved 3

INTRODUCTION
Who is Careington?
Careington International Corporation is a responsive, solutions-driven company
motivated by the people we serve and structured to design, develop and deliver
industry-best products and services characterized by affordability, integrity,
simplicity and value. We provide businesses, organizations and consumers with
innovative solutions that improve the affordability and accessibility of quality
health care.
In fact, our values embody the way Careington improves access to solutions
and savings in the discount health care space.
Careington’s discount plans create valuable plan options that provide

AFFORDABILITY
access to affordable care, complete with convenient monthly rates.
Our provider networks are available nationwide to improve access to care,

ACCESSIBILITY which means increased member enrollments and enhanced member
experiences.
Careington offers a variety of plans to fit diverse needs with parameters

AVAILABILITY that are easy to understand and use. There are no limits on savings.
Careington prides itself on the ease of use and flexibility of our discount
SIMPLICITY plans, which include access to our responsive customer care team.
The complete fee transparency our plans provide help to make our plans
TRANSPARENCY easy to understand and use, and they deliver visible value.
Receive details or sign up by visiting careington.com/brokers

LEARN MORE
or by calling (866) 442-2780.

CAREINGTON’S DISCOUNT HEALTH PLANS
How do members save money with Careington? Why choose a discount plan?
Saving money on health, wellness, lifestyle and Discount plans provide savings and fee transparency to give
financial services is easy with Careington’s plans, members more control of their health, wellness and lifestyle
products and services. A member simply selects a spending in a consumer-driven, budget-conscious economy.
participating provider location, shows their card at
the time of service and then pays the discounted rate Careington’s plans, products and services provide an
directly to the provider. entirely new and creative way for assisting your clients and
customers as they continue to face the ever-increasing cost
of health care.
What is a discount plan?
By offering programs that include prenegotiated discounts
Discount health care plans are not insurance plans. on dental and vision care, prescriptions and many other
However, they can enhance and complement most health and lifestyle services, our plans can bring significant
insurance plans. value and savings to your clients.
Discount plans provide access to discounts on a

variety of services and products. With a discount Keys to Selling to Businesses and Employers
program, members pay a small monthly fee for
• High-value products help retain employees
access to participating providers who have agreed
to give products or services at discounted rates. • Product and service aggregation
• Flexible administrative and product options
• Easy implementation
• Excellent client and customer support
Features of a Discount Plan
• Everyone is accepted – no exclusions. • There are no residency requirements.

• Most plans provide broad, nationwide access to • Plans can be blended with insurance products.
providers. • Plans are compatible with HSAs, FSAs and HRAs.
• Plans offer flexible administrative options. • They can be offered on a voluntary basis or as a
• Plans are easy to use, and savings are visible. value-add for current benefits.
• Discounts are available at the time of service. • Plans give immediate value to consumers.
• There are no limits on use.
• There are no administrative forms to file.
• The rates are affordable.

DISCOUNT PLAN PACKAGES
Our Premier Dental
Savings Plan
The Careington Dental Savings Plan offers

significant savings on dental care, including
cleanings, checkups, fillings and more.
DISCOUNTS & RESOURCES

• Dental Exams, Cleanings and Major
Dental Work
• Online Dental Information
Dental & Vision Telemedicine
Good dental and vision care is an important No one plans on getting sick or having a medical issue,
part of one's health, but it doesn’t have to be but when they do, a telemedicine plan could be just what
expensive. Our Dental & Vision Savings Plan the doctor ordered. This plan offers 24-hour phone access
offers discounts on dental care, including cleanings, to physician consultations and to registered nurses for
checkups, fillings and more, as well as vision care, symptom assessments, advice and recommendations.
including eye exams, frames and lenses. Physicians are even able to write prescriptions for non-DEA
medications, when appropriate.

• Dental Exams, Cleanings and Major Dental Work DISCOUNTS & RESOURCES
• Teledentistry • Telemedicine
• Eye Exams, Eyeglasses and Contact Lenses • Online Medical Information
• Vision Correction Surgery • Brand-Name and Generic Prescription Medicine
• 24-Hour Nurse Line
• Travel & Medical Assistance

Telehealth Plan with Health Care Assistance Total Health
Telehealth with Health Care Assistance offers Get the whole package with the Careington Total
telemedicine, prescriptions and 24-hour access to Health Savings Plan. This plan offers dental discounts,
licensed physicians and nurse phone lines for simple vision discounts, telemedicine services and discounts
consultations at home. on diabetes care supplies, chiropractic and alternative
medicine, prescriptions and more.

• Telemedicine DISCOUNTS & RESOURCES
• Teledentistry • Telemedicine
• Health Care Assistance • Teledentistry
• Brand-Name and Generic Prescription Medicine • Brand-Name and Generic Prescription Medicine
• 24-Hour Nurse Line • Dental Exams, Cleanings and Major Dental Work
• 24-Hour Nurse Line
• Eye Exams, Eyeglasses and Contact Lenses
• Vision Correction Surgery
• Lab Services
• Hearing Exams and Hearing Aids
• Diabetes Care Supplies
• Alternative Health Care
• Shopping Network
Dental, Vision Plus Telemedicine
Careington's Dental, Vision Plus Telemedicine Plan

Additional Plan Offerings
offers discounts on high-quality dental and vision
care and offers 24-hour access to licensed physician
Below is a listing of additional plans that are
and nurse phone lines for simple consultations
available in our discount plan series:
at home.

Care Shield (CICS14) - Identity Protection
DISCOUNTS & RESOURCES Dental & Vision Plus (CIDVP14) - Includes Prescription
• Dental Exams, Cleanings and Major Dental Work Spree (CISPREE14) - Shopping & Dining
• Brand-Name and Generic Prescription Medicine Vision (CIVO14) - Vision Only
• Vision Correction Surgery
• Eye Exams, Eyeglasses and Contact Lenses
• Telemedicine
• Teledentistry
• Alternative Health Care For additional information and pricing on these
other plans, please contact your Careington
broker representative.
LEARN MORE
Receive details or sign up by visiting
careington.com/brokers or by calling
(866) 442-2780.

DISCOUNT PLAN RATES
Individual Rates Careington Direct
• Member, Member plus one and Family rates available for Careington Direct provides non-insured,
most plans affordable solutions for full-time, part-time,
• Family memberships can be used by the entire household contractual, seasonal and retirees. The three
• Includes a one-time, non-refundable $20.00 processing fee plans offered with Careington Direct are:
Dental & Vision Discount Plan
Plan starts at $8.95
Group Rates
Dental, Vision Plus Telemedicine Plan
• For associations, organizations and companies that have Plan starts at $12.95
more than five participating households
Telehealth Savings Plan with HealthCare
• Discounted tiered rates for Member, Member plus one and
Assistance
Families
Plan starts at $14.95
• $20.00 processing fee can be waived for groups
Careington Direct provides administer group-
bill or client-bill scenarios for both small
Wholesale Pricing Available and large groups. Our group billing platform
If you have an employer-paid group of 10,000 members or more, (Group Portal) is beneficial to clients who
your group is eligible for wholesale rates. Please call your sales offer employer-sponsored products and
representative for more information. services, either paid for by the employer or
deducted from employees’ paychecks.
GROUP RATE:
DISCOUNT PLAN INDIVIDUAL RATE*
MEMBER
Member Only: $8.95/month or $89.00/year

Dental Member + One: $13.95/month or $139.00/year $7.95
Member + Family: $16.95/month or $169.00/year
Member Only: $9.95/month or $99.00/year

Dental Vision Member + One: $14.95/month or $149.00/year $8.95
Dental Vision Plus Member Only : $14.95/month or $149.00/year

Member + One: $19.95/month or $199.00/year $12.95
Telemedicine Member + Family: $24.95/month or $249.00/year
Total Health $29.95/month or $269.00/year $24.95
Member Only : $19.95/month or $199.00/year

Telehealth Plus
Member + One: $24.95/month or $249.00/year $14.95
Health Care Assistance
*Annual payments offer significant savings off individual rates.

COMMISSIONS
All brokers start at a 25% level commission.

“Level” means that you will receive 25% of your clients’ membership
fees for as long as they stay on the plan. In addition, you can raise your
commission by enrolling large numbers of members. Once you have
5,000 active members in Careington, your commission will rise to 30%
on all business going forward. Your commission will continue to rise as
your number of active members increases.
You are also compensated on the $20 processing fee – you are paid
50%, or $10, on every fee that is submitted under your agent code. Even
if the customer cancels his/her membership, you still keep the non-
refundable fee. You also get a 5% override for brokers you recruit.
ACTIVE MEMBERS
COMMISSION RATE
ENROLLED BY BROKER
Under 5,000 25%

5,000 - 10,000 30%
10,000 - 25,000 35%
25,000+ 40%
Payment Schedule
Our system for paying commissions has a 45-day lead time. For example, applications with an effective date of May
1 will be paid to agents on June 15. The effective date is always on the first of the month, and commissions are paid
on the 15th of the following month. Therefore, any business submitted after the 20th of each month will be paid on
the 15th of the second month. For example, if a customer’s application was submitted on May 23 for a
June 1 effective date, commissions would be paid on July 15.

APPLICATION PROCESS
Submitting applications to Careington is easy. Simply fill
out the Membership Application for individuals and groups
or if you want to send a list bill directly to a group, fill out the
Group List Bill Application.
Checklist for
Membership Application
Fill out contact information: name, address, phone number,
date of birth and any dependents’ names/dates of birth
• Select monthly or annual payment

• Select member payment options: credit card, debit card,
bank draft, check or money orders (bank drafts and money
orders only applicable for annual payment amounts)
• Include the effective date
• Include your agent code (paper applications only)
Checklist for Group

Sponsor Agreements
1 Select a plan.
2 Choose employer-paid or voluntary.
Complete Employer Sponsor

3 Agreement and Eligibility Spreadsheet.
For general questions about

commission reports or membership
reports please contact our broker
support team at:
brokersupport@careington.com

PRODUCT ADMINISTRATION
Careington strives to deliver a superior broker, client and customer experience, and we are
a proven product and benefit innovator. Our level of client and customer support, industry
expertise and inherent flexibility make us the best solution.
Simplified Administration Process Custom Fulfillment Services

• Traditional group plan setup and management • State-of-the-art, in-house fulfillment center
• Enrollment processing, including data entry, • Can produce up to 45,000 fulfillment pieces per 8-hour shift
batch and online • Can support private-label, co-branded or generic fulfillment
• Billing processing, including individual and list bills of membership booklets and ID cards
• Payment processing • Membership booklets customized with client-specific
• Comprehensive membership reporting product combinations and branding
• One point of contact for all provider networks • Fulfillment within 72 hours of processed member files
• Online fulfillment kits available
Information Technology Capabilities Exceptional Customer Service

• Online applications, with multiple payment • 80% of calls are answered in less than 30 seconds with less
options and source tracking than a 3% abandonment rate
• Online provider search capabilities • 24/7 Interactive Voice Recognition system for
• Custom websites that integrate seamlessly member verification
with client sites • Translation support for more than 250 languages
• Secure transmission of all electronic eligibility files • Online portals for members and brokers
• Supports incoming and outgoing electronic
eligibility files in various formats

MARKETING CAREINGTON
Affordable product and service solutions that bring value are in high demand. Therefore,
the market for Careington’s discount products continues to grow as health care costs
increase. Modern-day discount products cover a lot of territory and we do, too. Our
portfolio of discount products and services is largely available on a national basis, with
only a few exclusions to maximize consumer savings opportunities.
Here are some things to keep in mind when marketing Careington’s discount products:
• Affordable options that create access to care at greatly • Simple to use plans with no complicated forms or
reduced prices, complete with low monthly rates limits on access to care
• Available to anyone, with plan parameters that are easy • Transparent and published fee schedules to make
to understand and use, and with no limits on the number our plans easy to understand and use, and they
of uses or savings deliver visible value
• Accessible network of participating dentists and other • Great option for seniors, since dental and vision
providers while at home or traveling are not covered by Medicare
• Compatible with FSAs, HSAs and HRAs

MARKETING SERVICES
All Careington brokers are eligible to receive a free, personalized website allowing online sign-ups, provider
searches and detailed plan information.
Careington’s custom website design services are also available for an additional fee. We’ll create a custom
website that includes your corporate branding and is personalized based on your content and design preferences.
Plus, we’ll host and maintain the website to ensure that your site is always up-to-date with the latest state
regulations, discount plan information and vendor changes.
• Online web applications

• Provider search tools
• Pre-formatted landing pages
Typical Careington Members

• Single parent families
• Senior citizens
• Retirees, self-employed or part-time workers
• Small- to medium-sized businesses
• Average education: high school graduate with some college education
• Average income: under $65,000
• Average dental discount plan member stays on a plan for two years

COMPLIANCE
Working with Compliance Disclosures
All custom marketing materials and websites need to be Nationwide DPO Disclosure
reviewed by our Compliance Department to ensure that we
are compliant with the most recent legislative changes.
Disclosures:
THIS PLAN IS NOT INSURANCE and is not intended to
Whether you are putting together marketing materials, replace health insurance. This plan does not meet the mini-
creating content for your website or talking to a mum creditable coverage requirements under M.G.L. c.111M and
prospective client, the materials you use must be 956 CMR 5.00. This plan is not a Qualified Health Plan under the
reviewed and approved by Careington. Affordable Care Act. This is not a Medicare prescription drug
plan. The range of discounts will vary depending on the type of
provider and service. The plan does not pay providers directly.
Plan members must pay for all services but will receive a discount
from participating providers. The list of participating providers is
at [applicable website]. A written list of participating providers is
available upon request. You may cancel within the first 30 days
after effective date or receipt of membership materials (which-
ever is later) and receive a full refund, less a nominal processing
fee (nominal fee for MD residents is $5, AR and TN residents
will be refunded processing fee). Discount Plan Organization
and administrator: Careington International Corporation, 7400
Gaylord Parkway, Frisco, TX 75034; phone 800-441-0380.
This plan is not available in Vermont or Washington.
Updates on Disclosure
The above disclosure must be printed in 12 pt. font
on the first meaningful page of text, exactly how it
is written. The first sentence must be in bold. The
empty line is required after the Careington phone
number. Please check all your marketing materials
to make sure you are using the most recent
disclosure language.
We want to make sure we can continue selling

Careington products in all states, so please take the
proper steps to remain compliant. Visit the broker
portal at careington.com to keep up-to-date with
the most recent state legislative changes.

BROKER PORTAL
Using our online broker portal, you will find a wealth of sales and marketing information to help you become a
better advisor to your clients and customers and to have the right knowledge available with Careington.
Simply visit the broker portal at careington.com/brokers to view and download:

• Corporate overview brochure
• Forms for agents
• Marketing information
• Educational resources
• Compliance information
Register online to receive your username and password for the portal. To start receiving the agent newsletter
or to be notified of upcoming webinars, email agent@careington.com.
On the broker portal, enjoy access to these additional features.

Forms
Free Broker Website
• Your latest commission statements
• Sub-agent additions Get your own broker website when you register for the new
• Careington seller agreement broker portal. Your website can be personalized with your
• Compliance guide business name, phone number, plans you sell and hours
• W-9 form of operation. Having your own website with Careington
makes it easy for customers to see and purchase the
discount plans you have to offer.
Marketing Materials
• Broker handbook
• Corporate identity manual How to get your website:
• Corporate and product brochures
• Archived web seminars
1 Sign up to be a Careington broker.
• Archived newsletters
On the enrollment form, fill out relevant information

Compliance Information under “Your Broker Website,” including your phone
• Compliance regulations by state
2 number. If applicable, please also include your logo,
• Disclosures hours of operation and your time zone.
• Words and phrases to avoid
• And more! 3 Register for the Careington portal at
careington.com/brokers.
4 Locate your website inside of your portal under

“Agent Landing Page.”
Check out the broker portal today
and set up your profile! Complete the form, and your website will be created as
part of the enrollment process.
careington.com/brokers
Your agent website will be built for you, compliance-
approved and made easy for customers to see and
purchase the discount plans you have to offer.

FREQUENTLY ASKED QUESTIONS
Is this an insurance plan?
No, we are not an insurance company, so there are no claims to file. Your clients will pay a discounted rate on
health care services at the time they receive the services from participating providers.
Can I sell to groups?

Yes, you can call the Careington Broker Department at (866) 442-2780 for special group pricing. A Careington
representative will provide you with the agreement and spreadsheet once pricing is given.
How do I submit business?

Applications with membership payment may be submitted online through the free agent portal, fax, regular
mail or personal delivery to our corporate office. Please note that all business submitted by an outside broker
to Careington for customer fulfillment MUST include your broker code. Clear, complete copies are necessary
for correct data entry of member information. For more information about submitting Careington membership
applications, please contact our Careington Broker Department at (866) 442-2780.
How long will it take my clients to get into the system after they sign up?
Your clients' information will be downloaded into our system within 48-72 hours after they enroll. A customer can
be immediately enrolled and can see a dentist the same or next day as long as the effective date is backdated to
the first of the month when enrolled. Fax the application to (877) 335-7811, and the dentist can call (800) 290-
0523 for verification.
Can my clients include their dependents on the plan?

Yes, you can offer Careington access plans that have a member plus one or a family membership option. A plan
with a member-only option can be upgraded in order to add dependents to a plan.
How does Careington bill my clients?

Your clients have several choices when submitting payment. Careington accepts all major credit and debit cards,
bank drafts and checks/money orders. Our online applications also accept PayPal, and checks and money
orders are accepted for annual amounts only. When submitting an application from the customer, make sure the
total on the application matches the amount of funds submitted. Funds should be made payable to Careington.
Businesses or groups with at least five households may be put on a monthly list bill.
For groups, please collect at least the first month's fee and processing fee for each member. Have the authorizing
officer or manager sign our Employer Sponsor Agreement, and submit that information with a completed
application for each employee/member, along with the fee. Careington will send a monthly list bill directly to the
company/group as a payment notice. Since the plan is completely portable, any employees or members may
take the plan with them if they discontinue with the employer or group.
Can I market Careington on my website?

Yes, we encourage our agents to have a strong presence on the web. We recommend linking your website to your
Careington website available through our broker portal. Please keep in mind that all custom websites must be
reviewed and approved by our Compliance Department before going live.

How do I get additional membership cards?
If your clients need additional cards for their household, or they have lost their card please call Member Services at
(800) 290-0523.
If you find yourself locked out of your broker portal, it is often because an incorrect password has been entered
while attempting to log in. To fix this, use the "Forgot My Password" link to receive a temporary password and gain
access back into your portal.
What if one of my clients wants to use a provider not in your network?

You or your client can refer a provider for participation in the network by visiting and selecting "Nominate a
Provider." The Provider Relations Department will attempt to contact the dentist within 72 hours of receiving the
referral. Please supply the dentist's contact info (name, address, city, state, zip, phone and name of office manager)
and person referring the dentist.
The referrals can be sent to Careington via fax at (800) 247-4450 (Attention: Network Development) or via email at
provider@careington.com.
What do I do if one of my clients has a complaint about a provider?

Please submit all issues in writing, including a copy of your superbill. You may fax them to (972) 335-3968, or you
may mail them to Careington International Corporation, Attention: Member Services, 7400 Gaylord Parkway, Frisco,
Texas, 75034.
Call Member Services at (800) 290-0523 for help with any concerns you may have.
What do I tell a client who wants to cancel?

Cancellations are accepted via regular mail, email, phone or fax. A full refund of the premium (not the processing
fee) will be given if received within the first 30 days of acceptance. Customers being drafted monthly will usually
not be billed after the notice if the cancellation is received prior to draft processing. The notice must be received
prior to the 20th of the month to be effectively canceled for the following month.
Have the customer contact Careington directly about canceling a plan.
Mailing Address:
Careington International Corporation: Member Services
7400 Gaylord Parkway, Frisco, TX 75034
Phone: (800) 290-0523

Fax: (888) 335-7330
Email: memberservices@careington.com
In many cases, we may be able to salvage the sale and keep the member. A member who stays with Careington will
continue to generate ongoing commissions through their payments.

CONTACT US TODAY!
Contact us to set up a personalized discussion of our
capabilities and to learn how we can help you enter
and compete in the single-source solutions space.
Careington International Corporation

7400 Gaylord Parkway
Frisco, TX 75034
www.careington.com
(800) 441-0380

CAREINGTON INTERNATIONAL CORPORATION
7400 Gaylord Parkway, Frisco, TX 75034
(800) 441-0380 | careington.com

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BROKER HANDBOOK

Your Guide to Selling Careington

Easy administration with

2 Copyright © 2021 Careington International Corporation :: All Rights Reserved

5 Careington's Discount Health Plans

6 Discount Plan Packages

8 Discount Plan Rates

16 Frequently Asked Questions

Copyright © 2021 Careington International Corporation :: All Rights Reserved 3

Careington’s discount plans create valuable plan options that provide

Our provider networks are available nationwide to improve access to care,

Careington offers a variety of plans to fit diverse needs with parameters

Receive details or sign up by visiting careington.com/brokers

4 Copyright © 2021 Careington International Corporation :: All Rights Reserved

Discount plans provide access to discounts on a

Features of a Discount Plan

• Everyone is accepted – no exclusions. • There are no residency requirements.

Copyright © 2021 Careington International Corporation :: All Rights Reserved 5

Our Premier Dental

The Careington Dental Savings Plan offers

DISCOUNTS & RESOURCES

Dental & Vision Telemedicine

DISCOUNTS & RESOURCES

6 Copyright © 2021 Careington International Corporation :: All Rights Reserved

DISCOUNTS & RESOURCES

Dental, Vision Plus Telemedicine

Careington's Dental, Vision Plus Telemedicine Plan

Copyright © 2021 Careington International Corporation :: All Rights Reserved 7

Member Only: $8.95/month or $89.00/year

Member Only: $9.95/month or $99.00/year

Dental Vision Plus Member Only : $14.95/month or $149.00/year

Total Health $29.95/month or $269.00/year $24.95

Member Only : $19.95/month or $199.00/year

*Annual payments offer significant savings off individual rates.

8 Copyright © 2021 Careington International Corporation :: All Rights Reserved

All brokers start at a 25% level commission.

Under 5,000 25%

Copyright © 2021 Careington International Corporation :: All Rights Reserved 9

• Select monthly or annual payment

Checklist for Group

2 Choose employer-paid or voluntary.

Complete Employer Sponsor

For general questions about

10 Copyright © 2021 Careington International Corporation :: All Rights Reserved

Simplified Administration Process Custom Fulfillment Services

Information Technology Capabilities Exceptional Customer Service

Copyright © 2021 Careington International Corporation :: All Rights Reserved 11

• Compatible with FSAs, HSAs and HRAs

12 Copyright © 2021 Careington International Corporation :: All Rights Reserved

• Online web applications

Typical Careington Members

Copyright © 2021 Careington International Corporation :: All Rights Reserved 13

We want to make sure we can continue selling

14 Copyright © 2021 Careington International Corporation :: All Rights Reserved

Simply visit the broker portal at careington.com/brokers to view and download:

On the broker portal, enjoy access to these additional features.

On the enrollment form, fill out relevant information

4 Locate your website inside of your portal under

Copyright © 2021 Careington International Corporation :: All Rights Reserved 15

Can I sell to groups?

How do I submit business?

Can my clients include their dependents on the plan?

How does Careington bill my clients?