This website is an outline only and not a contract. Benefits for individual Plans are provided under group policies issued to the American Dental Association and underwritten and administered by Great-West Life & Annuity Insurance Company. These group policies are filed in the state of Illinois, and all eligible ADA members residing in any U.S. state or territory may apply for coverage. All policies are subject to, governed by, and shall be construed in accordance with Illinois law. Each approved Plan participant will receive a Certificate of Insurance explaining the terms and conditions of the appropriate policy.
All ADA-sponsored policies are subject to underwriting and are not guaranteed issue unless specifically stated otherwise. Coverage that is subject to underwriting is not effective until the date the application is approved by Great-West. Coverage that is guaranteed issue is not effective until the date the application is received by Great-West.
Great-West respects your privacy and treats your personal information (including medical records) with complete confidentiality. We do not share your name, account history, or coverage status with anyone unless we receive your prior written request.
When we communicate with you via fax, we make every effort to indicate the nature of our correspondence on the cover page so you can protect your privacy. However, if you request materials to be faxed to your office, we cannot guarantee confidentiality for the transmission on your end. We will honor your preferences for fax, e-mail, phone, or mail communication to the extent possible.
Your rights to privacy under the Health Insurance Portability and Accountability Act of 1996 (HIPAA) affect our administration of the ADA MedCASHSM Plan. Our HIPAA compliance measures ensure that your personal health information (PHI) is protected at all times. Click here for our Notice of Privacy Practices.
Your ADA membership information is provided to Great-West by the ADA so that we can inform you directly about the group insurance available to you as a benefit of ADA membership. Mailings include notices of product changes and enhancements, the availability of new or additional coverage, and notices of upcoming events (such as our activities at the ADA Annual Session). If you wish to be removed from our mailing list, contact us at 800-568-2001 or ada@gwl.com. We will honor your request without question.
When you purchase insurance coverage through the ADA Insurance Plans, your satisfaction is guaranteed. You may discontinue your coverage at any time within the first 30 days and receive a full refund of all premiums paid.
Each approved Plan participant will receive a Certificate of Insurance explaining the terms and conditions of the appropriate policy. Should you have any questions about any provision at any time, you can contact us at 800-568-2001 or ada@gwl.com.
As an applicant or customer, you have the right to courteous and professional service, personal attention, and quality insurance protection. We appreciate your business and are grateful for the opportunity to serve you.
When you apply for coverage or submit a claim, it is your responsibility to provide us, as requested, with thorough and accurate information about your medical history, financial status, and any other condition that may affect your insurability or eligibility for benefits. Your cooperation will help expedite our administrative processes and provide you with a faster decision.
You have the right to appeal certain claims decisions according to guidelines established jointly by the ADA and Great-West. The appeals process is outlined in the Certificate of Insurance provided to each approved Plan participant. Click here for more information on our underwriting or claims procedures.
As a Plan participant, you also have the right to renew your coverage, subject to the terms of your Plan, without further medical or financial underwriting. By paying your renewal premium, you are attesting that you meet the eligibility requirements to continue your insurance under that Plan. Your coverage is subject to the terms and conditions of the Plan, as outlined in your Certificate of Insurance, at all times.
Our philosophy is to help you obtain and maintain adequate and appropriate insurance protection. When considering your insurance options, it may not be wise to replace an existing insurance policy — especially if your health has deteriorated or if you cannot secure comparable coverage. In such cases, ADA-sponsored insurance may be an excellent choice to supplement, rather than replace, existing coverage.
If you do decide to replace your current coverage, we strongly recommend you wait for written approval of the replacement policy before canceling or reducing coverage under any existing policy. In addition, we encourage you to carefully compare policy provisions before making any decisions.
A Certificate of Insurance is mailed to every approved participant after the first premium is paid. Your individual Certificate will be customized depending on the optional features or coverage elected and the terms of underwriting approval. This Certificate should be kept in a safe place with your other important documents.
You are strongly encouraged to thoroughly review your Certificate to become familiar with the terms and provisions of your coverage under the group policy. If you are not completely satisfied, you can take advantage of our money-back guarantee.
Please note: The ADA reserves the right to make changes to any sponsored insurance Plan without notice, which would be fully described in a revised Certificate sent to all participants.
All ADA members who are under age 60 can apply for coverage under any of the ADA Insurance Plans (age 65 for Term Life). For some Plans, you must also be actively working full-time to be eligible for coverage. In addition, your spouse or Domestic Partner under age 60 (or 65 for Term Life) and your dependent children under age 21 (or age 27 for full-time students) may apply for life insurance and/or MedCASH coverage as long as you apply for (or have already purchased) the same type of ADA coverage. Note: If you apply for Domestic Partner coverage, you must also submit an affidavit of Domestic Partnership signed by both parties. Upon termination of any Domestic Partnership, you will be asked to complete a termination of Domestic Partnership in order to terminate the respective Domestic Partner and/or dependent child coverage.
Coverage is continuously renewable, as allowable by Plan, as long as you pay premiums when due, remain an ADA member in good standing, and satisfy all eligibility requirements. (Under some Plans, for instance, you are required to be Actively Working Full Time to continue your coverage.) By paying your renewal premium, you are attesting that you meet all Plan-specific eligibility requirements to continue your insurance under the Plan.
Unless otherwise noted, proof of insurability is required when you apply for coverage under the ADA Insurance Plans. Required medical and financial underwriting can begin as soon as your application and supporting documentation is received by Great-West. To help expedite the underwriting process, your cooperation and assistance is appreciated. Click here for more information about our underwriting procedures and requirements.
Great-West, the underwriter and administrator, cannot terminate any of the ADA Insurance Plans master policies. In the unlikely event that the ADA terminates a policy and does not offer a replacement plan, Great-West will continue the same coverage amount(s) you held under the ADA group contract(s) with rates based on your age group, or in the case of Term Life, allow conversion to an individual policy.
Thank you for taking the time to read through these important messages. For further information or clarification, please contact us at 800-568-2001 or ada@gwl.com.