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Critical Illness Insurance Plan from ADA-Sponsored Insurance Plans | Supplemental Medical Coverage for Dentists

Critical Illness Insurance Plan

Critical Illness Insurance Plan

Insurance Plan

If you or a family member are diagnosed with a critical illness, the last thing you want to spend time worrying about is how much the treatment will cost and whether or not your health insurance will cover it. That’s when having the NEW ADA Critical Illness Insurance Plan can make a big difference.

The NEW ADA Critical Illness Insurance Plan is a smart way to help ensure you have the crucial financial support you need, when you need it most. The insurance plan will pay cash directly to you in the event that you or a covered family member is diagnosed with one of the covered critical illnesses.

Up to $50,000 in a lump sum payment. Payment is made upon first diagnosis of one of the covered critical illnesses for you or a covered family member.

Use the funds any way you want. Pay off medical debt, expensive prescriptions not covered by your health insurance or travel expenses for out-of-town treatments.

Covers 17 critical illnesses. See the complete list of 17 covered illnesses.

Watch a short video to learn more about the benefits of the Critical Illness Plan.

Apply for the Critical Illness Insurance Plan.

Rates

The new ADA Critical Illness Insurance Plan is designed to give ADA members a way to offset some of the expenses of critical illness treatment that may not be covered by health insurance.

  • Low ADA member rates for insurance coverage
  • Available for you, your spouse and eligible dependents1
  • Benefit is payable upon first diagnosis after coverage2

To learn more and compare premiums by age, download the Critical Illness Rate Chart. You can also obtain a rate quote online.

1Members who are under age 65 with unmarried children under age 21 (27 if they are full-time students) can apply for dependent children coverage The monthly cost for each dependent child is $1.32 per $5,000 of benefit.

2Critical Illness Insurance Plan coverage issued on a guaranteed acceptance basis is subject to a pre-existing conditions limitation, which means no benefits will be payable for a condition for which the insured received medical treatment, care, advice, or medication within the 12 consecutive month period before the effective date of guaranteed acceptance coverage.

Features

The ADA Critical Illness Insurance Plan was developed with the idea of reducing some of the financial stress when you or a covered family member is diagnosed with a critical illness. By helping to alleviate some of your potential financial burdens, this insurance plan can help you focus on what’s most important: you or your loved one’s recovery.

Life-threatening cancer
Major human organ transplant
Motor neuron disease
Paralysis
Loss of sight
Parkinson’s disease
Heart attack
Multiple sclerosis
Amputation/loss of limb
Severe burns
Loss of speech
Major head trauma
Stroke
AIDS
Kidney failure
Loss of hearing
Coma

Coverage details:

  • Low ADA member rates for you and your family
  • Get a lump sum cash payment up to $50,000 if you are diagnosed with an eligible critical condition1
    – $5,000 is guaranteed acceptance2
    – $10,000 or more requires underwriting ($5,000 minimum incremental increases)
  • A payout to use any way you wish
  • Benefit is payable on the first diagnosis after coverage is effective regardless of a prior diagnosis1
  • Coverage available for your spouse and eligible children3
  • Eligible to apply for coverage up to age 654

1 Critical Illness Insurance Plan coverage issued on a guaranteed acceptance basis is subject to a pre-existing conditions limitation, which means no benefits will be payable for a condition for which the insured received medical treatment, care, advice, or medication within the 12 consecutive month period before the effective date of guaranteed acceptance coverage.

2Critical Illness Insurance Plan is guaranteed issue for coverage at $5,000 and less, meaning approval is guaranteed without any medical or financial underwriting. Benefits from $10,000 to the maximum of $50,000 ($5,000 minimum incremental increase) are subject to underwriting approval.

3Members who are under age 65 with unmarried children under age 21 (27 if they are full-time students) can apply for dependent children coverage. The monthly cost for each dependent child is $1.32 per $5,000 of benefit.

4Beginning at age 65, benefit amounts can no longer be increased. Critical Condition Coverage is renewable up to age 70.

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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