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ADA-Sponsored Insurance Plans – FAQ | Great-West Financial Insurance plans for Dentists
FAQs From Dental Students
FAQs From Dental Students

General Enrollment

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

Just sign up at insurance.ada.org. Even though there's no cost to you, separate enrollment is required in order to activate each policy.

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 enroll?

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

Do I need a medical exam?

No. If you’re under age 40, that requirement is waived so enrollment results in automatic coverage. You can still get the no-cost insurance if you’re 40 or older, but must first provide acceptable proof of good health. Student Term Life Application , Student Disability Application

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

Yes. New students can even sign up before the ASDA membership year begins on January 1.

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 ASDA and 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 a medical exam, 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 the ADA-Sponsored 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 free?

ADA premiums are based on your age each year and all available discounts. Here’s what the full ADA package* will cost most new dentists:

Life Insurance
$20/year

Disability Insurance
$225/year

*Approximate 2012 premiums for $100,000 of Term Life, $2,000/month of Income Protection, and $2,000/month of Overhead Expense

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 ada@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?

Go to 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 ada@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 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. Great-West Financial will contact you before graduation so your insurance can be managed according to your plans.

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 ada@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 coverage is automatically scheduled to convert at the end of the year you complete your studies. Your coverage stays free to you through December 31 of that year, then converts on January 1 to the ADA member plans for practicing dentists. There are no forms to complete or conversion fees to pay—only a convenient and comprehensive insurance package that better provides what you need as a practicing dentist.

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 ada@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 coverage 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.

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Benefits are provided under respective Group Policy Nos. (104TLP Term Life and 1108GDH-SDP Student Disability, 1105GDH-IPP Disability Income Protection, 1106GDH-OEP Office Overhead Expense Disability, 1107GH-MCP MedCASH, and 104GUL Universal Life) issued to the American Dental Association, insured by Great-West Life & Annuity Insurance Company, and filed in accordance with and governed by Illinois law. Coverage is available to all eligible ASDA/ADA members residing in any U.S. state or territory, with premiums paid by the ADA-sponsored Insurance Plans through the calendar year of dental school graduation or residency completion, whichever is later. Coverage is issued automatically regardless of your medical condition if you are under 40, but benefits are not payable, as defined by the respective policy, for death or disability that occurs if it involves a sickness, disorder, physical condition, or symptom that existed or was treated prior to enrollment. If you are 40 or older, you can qualify for the no-cost coverage and all student program features after you provide proof of good health. Coverage renews automatically each academic year; individuals who previously enrolled do not need to sign up again. Each Plan participant will receive a Certificate of Insurance explaining the terms and conditions of the policy. Premiums increase with age—every year for Term Life, every 5 years for Income Protection, every 10 years for Overhead Expense, Annual Universal Life premiums may fluctuate or remain level depending upon the amount maintained in the Policy Value Account. Premium Credit discount not guaranteed but reevaluated semi-annually—and include all available member discounts. A Premium Credit discount shares favorable financial results with Plan participants; the discount is not guaranteed but reevaluated semi-annually.



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ADA-sponsored Insurance Plans This website is an outline only and not a contract. Benefits provided under respective Group Policy Nos. (104TLP Term Life, 1105GDH-IPP Income Protection, 1106GDH-OEP Office Overhead Expense, 104GUL Universal Life, and 1107GH-MCP MedCASHSM) issued to the American Dental Association; underwritten by Great-West Life & Annuity Insurance Company and filed in accordance with and governed by Illinois law. Coverage available to all eligible ADA members residing in any U.S. state or territory. Term Life and MedCASH premiums increase annually, Income Protection increases every 5 years and Office Overhead Expense every 10 years. Annual Universal Life premiums may fluctuate or remain level depending upon the amount maintained in the Policy Value Account. Premium Credit discount not guaranteed but reevaluated semi-annually.
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