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ADA-Sponsored Insurance Plans – FAQ | Great-West Financial Insurance plans for Dentists

FAQs From Dental Students

General Enrollment

How do I get the insurance that comes with my ADA membership?

Create a login to access your insurance account at insurance.ada.org/RegisterNow. You will be given the opportunity to request activation of insurance at the end of the login process.

Why does a student need insurance?

Insurance can reduce the risk of your debt (including student loans) becoming a burden to you or your loved ones if you die or become disabled during dental school. Life and disability insurance are usually required for a practice loan, and it’s smart to get both lined up in advance.

Can every dental student obtain the insurance?

No. It's a benefit of ADA student membership, available only to ADA student members who are full-time predoctoral students.

Do I need a medical exam?

Student members age 45 or older must provide proof of good health. Students 45 or older will need to fill out an application for both the ADA-sponsored Student Members Term Life and Disability Insurance. Student Term Life Application and Student Disability Application.

Can I enroll if I don’t have a member ID yet?

You'll need your ADA Member ID before you can request activation of coverage.

Can I sign up for ADA disability insurance if I have another policy?

Yes—especially because the ADA policy may offer better provisions and/or greater flexibility after you graduate. The ADA-sponsored policy allows you to have up to $3,000/month from all sources before coordinating with other insurance; if you possess coverage through multiple policies, check each one for restrictions regarding the benefits you could claim.

Do I need to re-enroll each year?

No. Your coverage renews automatically each year through dental school or residency, whichever is later, as long as you remain an ADA student member.

What’s the hurry? Why should I enroll now?

Although students are generally healthy, your health status could change anytime and jeopardize your future insurability. Whenever you have the chance to get insurance without providing proof of good health, it’s wise to take advantage of the opportunity as early as possible.

Now is also the time you are preparing for your future life as a dentist, and getting personal insurance is one more thing you can do during dental school. Qualifying for a practice loan and/or covering your debt is easier once you have insurance in place.

Dollars and Sense

Why is there no cost to students for ADA life and disability insurance?

Premiums are paid by ADA Members Insurance Plans specifically to give you this head start toward financial security. It’s a tangible way the ADA invests in YOU as the future of organized dentistry.

How much will my ADA-sponsored insurance cost when it stops being no-cost?

ADA premiums are based on your age each year and all available discounts. Use the rate quote calculators to check current premiums.

Why does the ADA offer insurance anyway?

The ADA sponsors a group insurance program so member dentists can benefit from group pricing and standards set by their peers for quality and service. Even student members can get basic protection while their careers get launched.

Insurance in Action

How can my ADA-sponsored insurance help me out professionally?

ADA life and disability insurance provide instant collateral for practice financing and buy-sell agreements. When you’re ready, contact us at 866-607-5338 or planspecialist@greatwest.com so we can explain the process and assist you with the paperwork.

What happens if I get disabled during school?

If you experience a disabling illness or injury that lasts more than 90 days, your ADA plan can provide a monthly disability check as soon as your claim is processed (call 800-568-2001 or click here to get a claim form). Monthly benefits are payable up to 2 years if you cannot perform the duties of a dental student, and up to 5 more years if you cannot perform any occupation. In addition, you could receive up to $150,000 to repay student loans if you can’t return to dental school.

How do I change my life insurance beneficiary?

Click here for a beneficiary change form. Because it is legally binding, your written request must include your signature. Call 800-568-2001 with questions.

How much personal insurance do I need?

It depends on your individual circumstances, such as whether you have a spouse and children, how much debt is in your name, how close you are to graduation and/or practice ownership, etc. Contact us at 866-607-5338 or planspecialist@greatwest.com for help crafting a short- or long-term insurance strategy.

Can I get extra insurance?

Yes. You can apply for up to $500,000 in ADA Annually Renewable Term Life coverage at any time, and up to $3 million during your graduation year (many new dentists need $1 million or more to finance a practice loan). Upon approval, you’ll pay low ADA-member rates that are based on your age. You can also apply for ADA life insurance for your spouse and/or children.

Options After Graduation

Can I keep no-cost ADA-sponsored insurance during residency?

Yes. As long as you share your residency plans with Great-West Financial, your coverage can continue at no cost while you complete your education.

What happens to my insurance after dental school?

Your coverage continues automatically beyond graduation and provides protection while you transition to the next phase of your career. The following January, you’ll have the chance to renew your insurance by paying affordable ADA-member premiums. Note: If you let your coverage lapse (by not paying the premium due) and you change your mind later, you will be required to submit an application and take a medical exam, and your coverage will not be guaranteed. So if there’s any chance you will want/need the protection in the future, it’s best to keep it.

What if I’m unsure about what’s right for me?

Since your coverage will continue beyond graduation and stay free to you for the next several months, you have time to map out next steps before making any purchasing decisions. We can offer assistance and guidance during this time of transition— 866-607-5338 or planspecialist@greatwest.com. As you consider your options, remember you are never locked into any long-term commitment with ADA-sponsored insurance—and can always adjust your coverage as your needs and priorities evolve.

What do I have to do to convert my ADA-sponsored insurance after graduation?

Nothing! All ADA insurance you had as a student stays no-cost to you through December 31 of the year you graduate. You have the option to convert coverage on January 1 to the ADA member plans for practicing dentists. Just pay the premium when due, and your coverage will convert.

Conversion is completed upon receipt of your new insurance premiums. Note: You CAN convert your coverage before the scheduled date if desired; just contact us at planspecialist@greatwest.com. Conversion is required if you wish to apply for additional disability insurance.

Why does ADA-sponsored insurance coverage “double” after graduation?

By the time you complete four years of dental school, your obligations and financial responsibilities have grown. To recognize this, the ADA program includes built-in term life insurance increases to provide you with greater protection. You do not need to take a medical exam or qualify in any other way for this extra insurance, but you do need to remain an active ADA member to continue your participation in the ADA-sponsored plans.

All ADA-sponsored insurance can be renewed beyond conversion and/or increased further as your needs grow throughout your career; proof of good health and/or income will be required for additional coverage increases.

What should I do with my insurance if I’m going into military service?

Even though you will receive some insurance protection through the U.S. government, you should evaluate your long-term insurance needs and consider maintaining separate coverage of your own. That way, you’ll have insurance in place when you re-enter civilian life, without having to re-apply and/or start over.

For ADA life insurance, your coverage stays in force while you’re on active duty, and you pay premiums when due; for ADA disability insurance, your coverage is suspended until your service ends, at which time you can resume premium payments and pick up where you left off. Contact us at 866-607-5338 or ada@greatwest.com for further assistance.

Will canceled insurance affect my credit score?

No. Your credit will not be affected by lapsed insurance premiums because insurance is cancelable at will. There is no ongoing obligation on your part, so no ongoing debt.

How long can I keep my ADA-sponsored insurance?

Each policy can be renewed every six months until the policy expires (age 81 for life insurance, age 70 for disability insurance), as long as you satisfy all eligibility requirements and pay renewal premiums when due. The coverage you got during dental school will never be subject to a medical exam, and cannot be canceled based on your health.

We have many more FAQs available here in our member services area.
And, of course, you can contact us too.

How do Premium Credits work?

The ADA sponsors the program and the favorable claims experience is shared with the participants in the form of a Premium Credit discount. The Premium Credit is a Plan-specific discount that reduces billed premium for all Plan participants, regardless of coverage amount. Premium Credit discounts are not guaranteed and may not be available on all Plans.

As financial experience varies over time, the Premium Credit for any Plan fluctuates accordingly. It is awarded in advance, meaning rates are discounted at the time each premium is due, even for new participants. Once you are approved for coverage, you are eligible to receive a Premium Credit — regardless of your age, how much insurance you purchase, or how long you have been covered.

Recently declared Premium Credit discounts for each Plan:

Plan Premium Credit Discount Effective Date
Annually Renewable Term Life 51% 01/01/2018
Term Plus® Universal Life 51% 01/01/2018
Disability Income Protection 35% 11/01/2017
Office Overhead Expense 45% 02/01/2018
Hospital Indemnity Plan 45% 10/01/2017
Critical Illness Plan 45% 10/01/2017

Dentists:This website is not a contract. Benefits are provided under respective Group Policy Nos. (104TLP Annually Renewable Term Life, 1105GDH-IPP Disability Income Protection, 1106GDH-OEP Office Overhead Expense Disability, 104GUL Universal Life, 104LTLP Level Term Life, 1117GH-HIP Hospital Indemnity, 1127GH-CIP Critical Illness, and 1107GH-MCP MedCASHSM) filed in the State of Illinois in accordance with and governed by Illinois law, issued to the American Dental Association, and underwritten by Great-West Financial®. All ADA-sponsored coverage is subject to underwriting and is not guaranteed issue unless specifically stated otherwise. Coverage that is guaranteed issue is subject to a pre-existing condition limitation. The ADA is entitled to receive royalties from the ADA Members Insurance Plans. Coverage is available to all eligible ADA members and student members in all fifty states and U.S. territories under the aforementioned group policy. Level Term Life premiums are fixed based on the selected duration of 10 or 20 years. Must maintain membership throughout selected term. Annually Renewable Term Life, Hospital Indemnity, Critical Illness, and MedCASH premiums increase annually based on age. Recommended premiums under the Term Plus® Universal Life plan consist of the cost of insurance (which may vary based on the member’s age and coverage amount), the amount chosen by the member for deposit into his/her Policy Value Account and a service charge. Premium deposits may fluctuate or remain level depending upon the amount maintained in the Policy Value Account. Disability Income Protection premiums increase every 5 years and Office Overhead Expense every 10 years based on age. Premium credit for Annually Renewable Term Life and Term Plus Universal Life is not guaranteed but reevaluated annually. Premium credit for Disability Income Protection, Office Overhead Expense, Hospital Indemnity, Critical Illness, and MedCASH is not guaranteed but reevaluated semi-annually. Each Plan participant will receive a Certificate of Insurance explaining the terms and conditions of the policy.

Dental Students: This website is not a contract. Student coverage is issued regardless of your condition if you are under 45. If you are 45 or older, you can apply for the no-cost coverage and all student program features by providing proof of good health. Coverage renews automatically each academic year. Individuals may convert coverage to the plans for practicing dentists after graduation by paying ADA member premiums and maintaining ADA membership. Benefits are provided through a group policy Nos. (104TLP Term Life and 1108GDH-SDP Student Disability) filed in the State of Illinois in accordance with and governed by Illinois law, issued to the American Dental Association, and underwritten by Great-West Financial®. All ADA-sponsored coverage is subject to underwriting and is not guaranteed issue unless specifically stated otherwise. Coverage that is guaranteed issue is subject to a pre-existing condition limitation. Coverage is available to eligible ADA members and student members in all fifty states and US territories under the aforementioned group policy. Each insured will receive a certificate of insurance explaining the terms and conditions of the policy.

ADA® is a registered trademark of the American Dental Association and Great-West Financial® is a registered trademark of GWL&A.

Great-West Financial® refers to products and services provided by Great-West Life & Annuity Insurance Company, Greenwood Village, CO, its subsidiaries and affiliates. GWL&A is not licensed in New York, but eligible members residing in New York may request and ultimately receive coverage under the aforementioned group policy. The trademarks, logos, service marks, and design elements used are owned by Great-West Life & Annuity Insurance Company. ©2018 Great-West Life & Annuity Insurance Company. All Rights Reserved. For website issues, contact the Webmaster at ADA_WebMaster@greatwest.com.