MedCASHSM is supplemental medical insurance that pays cash benefits
directly to you with no strings attached.
Who wouldn’t want to get paid when they or a covered family member goes to the hospital or ER? And with this
extremely affordable supplemental medical insurance plan, that’s exactly what happens. MedCASH is not a
replacement for medical coverage.
MedCASH is like two types of coverage in one. You get:
Hospital Coverage Daily Benefit—pays for emergency room visits, outpatient surgery, and days in the hospital
Critical Condition Benefit—pays a lump sum in the event of diagnosis with one of
17 specified critical illnesses.
And unlike with other insurers, you get both types of coverage for one low premium. With your cash benefits, you can
use the money any way you choose--enabling you to cover any incidental medical or personal expenses.
Up to $500 cash for every day of hospitalization, up to 500 consecutive days in most cases
Up to $300 cash for every day of hospitalization, up to 100 consecutive days for mental/nervous disorders
Up to $50,000 cash when first diagnosed with an eligible critical condition
Use your cash benefits any way you want
Coverage for your spouse and eligible dependents
Protect your family
With MedCASH, family members can also get coverage, and that can boost your family's medical protection.
As long as you are under age 60, you can enroll your eligible dependents—including spouse or domestic partner under
age 60 and unmarried dependent children under age 21 (or older if they're full-time students). Hospital Coverage
is renewable to age 90, and Critical Condition Coverage is renewable to age 65. All Covered family members
automatically have the same Daily Benefit amount as that of the ADA member. If the ADA member applies for MedCASH 100,
the spouse can as well. Covered children receive Basic MedCASH coverage.
Supplemental Medical Insurance for ADA Member Dentists.
MedCASHSM Plan Premiums
It's surprisingly affordable to get supplemental medical insurance with the MedCASH Plan. Choose between
two plans - MedCASH and MedCASH 100.
Basic MedCASH provides both Hospital Coverage and
Guaranteed acceptance, no underwriting required.*
Hospital Coverage—Pays a daily benefit for emergency room visits, outpatient surgery, and days in the
hospital. Choose a Daily Hospital Benefit amount of $100, $300, or $500.
Critical Condition Coverage—pays a lump sum benefit in the event of first diagnosis with one of
17 specified critical illnesses. Your Critical Condition Coverage
with Basic MedCASH is up to 10 times the Daily Hospital Benefit you select.
Critical Condition Coverage—MedCASH 100 provides a lump sum of critical condition coverage that is up to
100 times the Daily Hospital Benefit you select with your Basic MedCASH plan. To request this additional Critical Condition
Coverage, your application will require you to answer a few medical questions though no medical exam is required.*
To compare premiums by age and see the difference between Basic MedCASH and MedCASH 100 download the
MedCASH rate chart (pdf). You can also obtain a
MedCASH premium quote online.
* Hospital Coverage claims are not payable for any confinement or treatment resulting from a condition for which the
insured received any medical treatment, care, advice, or medication within 12 consecutive months before the effective date
of the insurance including any insurance increases.
The MedCASH Plan can help protect your savings during a hospital stay or in the event of a critical illness. This
Plan can help fill the gaps of many health insurance plans and gives you the freedom to spend the cash benefits
any way you want.
Basic MedCASH coverage provides a daily hospital benefit of $100, $300, or $500 plus Critical Condition Coverage at
10 times selected Daily Benefit. Guaranteed acceptance, no underwriting required.
MedCASH 100 provides a daily hospital benefit of $100, $300, or $500 plus Critical Condition Coverage at 100 times the selected Daily
Benefit. Simply answer a few medical questions, no medical exam required.
Basic Hospital Coverage Daily Benefits
Choose from $100, $300, or $500 paid per day* of qualifying hospitalization.
Benefits can be payable from your first day in the hospital for up to 500 consecutive days in most cases.
Benefits are paid for emergency room visits, outpatient surgery, colonoscopies, cancer treatment, and other special circumstances.
Your coverage automatically doubles if you are hospitalized in an intensive care unit for up to 500 days or if you and your
covered spouse are hospitalized at the same time due to the same accident.
Critical Condition Coverage
MedCASH coverage includes lump sum benefit up to $5,000 (10 times your daily hospital benefit) payable
upon first diagnosis of an eligible Critical Condition.
MedCASH 100 coverage includes lump sum benefit up to $50,000 (100 times your daily hospital benefit)
payable upon first diagnosis of an eligible Critical Condition.
Qualifying critical conditions** include life-threatening cancer,
heart attack, stroke, AIDS, Multiple Sclerosis, major human organ transplant, motor neuron disease, amputation/loss of limb,
kidney failure, paralysis, severe burns, loss of hearing, loss of sight, loss of speech, coma, Parkinson's Disease, and
major head trauma.
The plan features that you select when you purchase MedCASHSM coverage with ADA-sponsored insurance plans are
in place for the life of your coverage. Read more about
ADA-sponsored insurance plans coverage lock-in.***
* Other coverage amounts available. Contact an Insurance Plan Specialist for further information at 866-607-5338.
** Critical Condition categories are fully defined in the Certificate of Insurance issued to Plan participants.
Benefits are determined by meeting requirements of waiting period, first diagnosis, and survival period. Specific limitations
and exclusions may apply.
*** Mandatory changes because of changing regulatory or legal requirements in the future may
be made as required by Illinois law. Otherwise, coverage features in effect on or after
November 1, 2009 may not be amended by Great-West or the ADA once coverage
commences as long as the participant does not allow coverage to lapse. Locked-in coverage
features that subsequently lapse may not be available upon re-application for coverage.
Premium rates are subject to change. The Coverage Lock-in feature does not apply to the
Universal Life certificate.