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Dr. Lina Kulkarni is a customer of ADA Members
Insurance Plans, not a paid actor.

ADA-sponsored members insurance is provided at no cost to eligible ADA student members.

ADA-sponsored Student Members Term Life and Disability insurance gives you fundamental financial protection while you’re in school that can continue long after graduation.

Your ADA student member benefit includes:

Life Insurance: $50,000 of coverage in the ADA-sponsored Student Members Term Life Plan. Life insurance provides debt protection for your student loans and other financial obligations and it can serve as loan collateral when you purchase a practice.

Disability Insurance: $2,000/month of coverage in the ADA-sponsored Student Members Disability Plan plus up to $150,000 in student loan repayment benefits. Disability insurance protects the investment you're making in your dental career by providing a source of monthly income if an illness, injury, or accident prevents you from completing dental school.

Act Today To Prepare For Tomorrow

Dental school is all about preparing for your future. When you have ADA-sponsored members insurance as a student, you have the built-in ability to convert to continue your insurance after school so you’ll have ready-made financial back-up when you start repaying student loans, apply for practice financing, start a family, or pursue other dreams.

An important step to take full advantage of your ADA student membership and begin preparing for tomorrow is to create a login to access your insurance account. You'll be able to view the details of your coverage and also change your contact information to ensure you'll receive your conversion offer after graduation. And, if you're not already insured, you'll also be given the opportunity to request activation of coverage as part of the login process.

Since 1934, practicing dentists have relied on the ADA-sponsored members insurance plans to protect the lives and practices they’ve built. More than 100,000 ADA student members and their families get insurance through the ADA plans; you can join that elite group now even before you are a licensed dentist and benefit from that protection now and long into the future.

Questions? Call us at: 866-607-5338

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ADA-sponsored Insurance Plans


Dentists:This website is not a contract. Benefits 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, and 1107GH-MCP MedCASH(SM)) issued to the American Dental Association, underwritten by Great-West Life & Annuity Insurance Company, and filed in accordance with and governed by Illinois law. The ADA is entitled to receive royalties from the ADA Members Insurance Plans. Coverage is available to all eligible ADA members residing in any U.S. state or territory. Term Life and MedCASH premiums increase annually based on age. Level Term Life premiums are fixed based on the selected duration of 10 or 20 years. Must maintain ADA membership throughout selected term. 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 credits for Annually Renewable Term Life, Term Plus Universal Life, Disability Income Protection, Office Overhead Expense, and MedCASH are not guaranteed but reevaluated periodically. 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 medical condition if you are under 45, but 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 12 months prior to enrollment. Benefits are provided under respective Group Policy Nos. (104TLP Annually Renewable 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 Life & Annuity Insurance Company. 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. Each insurance plan participant will receive a Certificate of Insurance explaining the terms and conditions of the respective policy. Individuals may convert coverage to the plans for practicing dentists after graduation according to policy guidelines by paying ADA member premiums and maintaining ADA membership. See legal information above for the ADA-sponsored insurance plans for practicing dentists.

ADA® is a registered trademark of the American Dental Association.

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