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What Happens Next

After Enrollment

  • You’ll receive a Certificate of Insurance for each insurance plan. Keep this document with your important papers, and tell your family you have the insurance.
  • Your coverage will renew automatically each academic year, as long as you maintain ADA student membership, through the year you complete dental school or residency.
  • Register to access your insurance account online as soon as you receive your Certificate of Insurance.
  • Download forms to designate your beneficiary for life insurance or update an existing designation when necessary.
  • Update your contact information within your account section to ensure you receive important and timely communications or alerts about your insurance.
  • Review your coverage through your account section to familiarize yourself with your insurance.
  • Reach out to your Insurance Plan Specialist for your insurance needs analysis or with any questions you have about converting insurance after graduation or increasing amounts and adding your spouse/domestic partner or children.

What To Do Before Graduation

  • Update your contact information in your account section as soon as you know the phone number and address where you can be reached after graduation. Please make sure to keep this section updated anytime your contact information changes.
  • Ensure that your personal email address is listed in your account section rather than your school email address which is often terminated after graduation.
  • Ask an Insurance Plan Specialist to provide you with a needs analysis. An Insurance Plan Specialist is an experienced insurance professional who will address your questions and concerns. You'll receive objective information based on your circumstances and needs. We want you to understand your insurance, your options, your vulnerabilities and also how timing and planning can be used to your advantage. An Insurance Plan Specialist can help you determine when it is most appropriate for you to increase your coverage amounts or to consider other insurance plans.
  • Watch for more information and instructions from Great-West Financial in your final semester of dental school, so your ADA-sponsored members insurance portfolio can be aligned with your next career move.

Know that, you, the member, comes first. Access to ADA-sponsored members group insurance is a benefit of membership, and our chief goal is to help you optimize the value of your ADA student membership through participation in the ADA-sponsored members insurance plans.

After You Graduate

  • Your insurance goes with you! All ADA student member coverage can be converted to the paid insurance plans for ADA members who are practicing dentists, so you can stay protected while your career advances. You'll also receive coverage at no cost through December 31 of the year you graduate to help you get settled financially.
  • Your ADA Student Members Term Life Insurance will actually double in value to provide you with enhanced protection. No requalification or paperwork is required for this expanded coverage, but you do have to maintain ADA membership.
  • You’ll have the opportunity to apply for additional insurance, or apply to add optional features to any policy, as your needs evolve. In most cases, medical and/or financial proof of insurability will be requested.

Your career path determines the schedule that applies to these next steps. Different circumstances will exist if you go directly into practice, pursue specialty training or residency, or serve in the military.

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. ©2017 Great-West Life & Annuity Insurance Company. All Rights Reserved. For website issues, contact the Webmaster at ADA_WebMaster@greatwest.com.

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