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MedCASH from ADA-Sponsored Insurance Plans | Supplemental Medical Coverage for Dentists

MedCASHSM Plan

Insurance Plan

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.

Coverage includes:

  • 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. Apply for Supplemental Medical Insurance for ADA Member Dentists.


Rates

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

Basic MedCASH provides both Hospital Coverage and Critical Condition Coverage with 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.

MedCASH 100

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.


Features

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.

MedCASH

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

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.

Coverage Lock-In

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.

Dentists: The information on this website is not a contract. Benefits are provided through a Group Policy Nos. (104TLP 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 by Great-West Financial®. The ADA is entitled to receive royalties from the ADA Members Insurance Plans. Coverage is available to all eligible ADA members in all fifty states and U.S. territories under the aforementioned group policy. Each Plan participant will receive a Certificate of Insurance explaining the terms and conditions of the policy. Level Term Life premiums are fixed based on the selected duration of 10 or 20 years. An insured must maintain ADA membership throughout selected term to remain eligible for insurance. 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.


Dental Students: The information on 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 not payable, as defined by the respective policy, for death or disability resulting from a sickness, disorder, physical condition, or symptom that existed or was treated within 12 months prior to enrollment. 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 by Great-West Financial®. Coverage is available to eligible ADA 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.


Effective June 1, 2019, Protective Life Insurance Company (for policies issued outside New York) and Protective Life and Annuity Insurance Company (for policies issued in New York) assumed administrative responsibilities for ADA Members Insurance Plans issued by Great-West Life & Annuity Insurance Company.


Great-West Financial® is a marketing name of Great-West Life & Annuity Insurance Company, Corporate Headquarters: Greenwood Village, CO; Great-West Life & Annuity Insurance Company of New York, Home Office: NY, NY, and their subsidiaries and affiliates. GWL&A is not licensed in New York, but eligible members residing in New York may apply for coverage under the aforementioned group policy. The trademarks, logos, service marks, and design elements used are owned by Great-West Life & Annuity Insurance Company. ©2019 Great-West Life & Annuity Insurance Company. All Rights Reserved. For website issues, contact the Webmaster at ADA_WebMaster@greatwest.com

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