Careington International Corporation has made a significant move this week. The long-running health benefits company, founded in 1979, is now partnering with insurtech firm e123. The goal: make it easier for brokers to offer noninsurance savings plans to their clients, all from one application.
e123 isn’t just another admin system. It’s a tool that lets insurance marketers, FMOs (Field Marketing Organizations), IMOs (Independent Marketing Organizations), brokers, and carriers enroll clients, process billing, and handle commissions in one place. Adding Careington to that system creates new possibilities for agents—and potentially millions of consumers.
The Products Getting Plugged Into the Platform
Three Careington savings plans are now live within e123’s Distribution Management System (DMS). Each one is focused on access and affordability:
Dental Savings Plan
Covers dental services and includes teledentistry support.
Dental and Vision Savings Plan
Combines dental, vision, LASIK, hearing, and teledentistry.
Virtual Primary Care Savings Plan
Offers virtual doctor visits, urgent care, psychiatry and counseling, prescription savings, and even pet health guidance.
Brokers using the platform can offer these as add-ons or standalones—or combine them with insurance products for a mixed package that works for different budgets and client needs.
Automation That Actually Works
One of the biggest challenges in selling noninsurance benefits has always been the paperwork. With this partnership, that friction point drops significantly. Setup, enrollment, reporting, billing, and commissions can all be handled through e123’s platform. That matters—especially for teams selling at scale.
Stewart Sweda, CEO of Careington, said it directly: “We’re proud to deepen the breadth of e123’s competitive nontraditional product offerings.”
Brendan McLoughlin, e123’s President, echoed that: “We’re excited to partner with Careington… providing e123 clients access to a suite of important products and services.”
Data With Teeth
The Careington-e123 connection isn’t just about sales tools. It also adds reporting horsepower. Real-time dashboards now give Careington and its agents clear visibility into plan engagement and performance. That means fewer surprises, more informed decisions, and better resource allocation for teams looking to scale.
Why This Matters
Careington has been serving up health savings products for over four decades. Their reach now spans more than 30 million members across 12 brands. Adding their plans to a platform like e123—which already supports major health plans and national broker networks—doesn’t just simplify things for brokers. It widens the distribution funnel considerably.
Agents can now enroll clients in a dental or vision savings plan without juggling five systems or waiting on back-office delays. For consumers, that means faster access to care and often, lower out-of-pocket costs.
What’s Next
Careington is actively recruiting brokers interested in offering these plans. Those interested can reach out directly at [email protected] or visit careington.com for more information.
This isn’t just another partnership announcement. It’s a calculated move to make noninsurance benefits more accessible and easier to sell—without all the red tape. It connects proven benefit plans with a platform that understands how brokers actually work.
And in a benefits industry still prone to slow-moving systems and unnecessary hoops, that alone is worth paying attention to.