Log in to your Account

Skip Navigation LinksHome / ADA Members Insurance Plans / Hospital Indemnity

Whoops, we don’t support the browser that you are currently using.

For the best experience, please consider using Firefox Version 28 or newer. We also support Microsoft Internet Explorer Version 11, Microsoft Edge Version 12 or newer, Apple Safari Version 9 or newer, or Google Chrome Version 21 or newer.

You can browse the content of our site using an unsupported browser, but we can’t guarantee the site will work properly. If you want to obtain an online rate quote, calculate your needs online, fill out an application, or access the Account Section, you will need to download a browser that we support. We continually update our website so that it works best with the newer versions of “standard” browsers.

Thank you!


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

Hospital Indemnity Insurance Plan

Insurance Plan

Budgeting for healthcare insurance is challenging enough, let alone the various medical expenses that are not covered by it. Between high deductibles and copays, not to mention the loss of income if you can’t work, even a minor medical emergency could have a significant impact on your financial health.

That's why the NEW ADA Hospital Indemnity Insurance Plan is a valuable addition to the ADA Members Insurance Plans portfolio. As an ADA member, you have exclusive access to this competitively priced insurance plan that can help offset the unexpected medical expenses your healthcare insurance may not cover.

Cash benefits paid directly to you. You can apply for up to $1,000 in cash benefits for each day you’re hospitalized or undergoing qualifying outpatient treatments, including ER visits.

Use the funds as you wish. Pay medical expenses not covered by your insurance, travel expenses for out-of-town medical care or use the funds however you choose.

Competitive ADA member rates. Take advantage of our low ADA member rates to help with unexpected medical expenses.

The ADA Extended Care Rider

Many health conditions require continued care after you’ve been hospitalized. Sometimes health insurance comes up short on coverage for these extended care services, leaving you holding the bill for expenses you may not have planned for.

The optional ADA Extended Care Rider can be added to the ADA Hospital Indemnity Insurance Plan to help with some of these potential expenses for an additional low ADA member premium.

  • Provides benefits for up to 200 days to help address long-term care needs for home healthcare, skilled nursing and nursing home expenses after you’ve been hospitalized
  • Pays a lump sum directly to you

Watch a short video to learn more about the benefits of the Hospital Indemnity Insurance Plan and Extended Care Rider.

Apply for the Hospital Indemnity Insurance and Extended Care Rider.

Rates

When you see how competitive the premiums are for the ADA Hospital Indemnity Insurance Plan and the Extended Care Rider, you’ll realize this is a smart way to supplement your health insurance.

  • Available at low ADA member rates for you and your family
  • Receive a cash benefit for each day you’re hospitalized to help offset high deductibles and other out-of-pocket medical expenses that may result

The ADA Extended Care Rider Premiums

  • Can be added to the Hospital Indemnity Insurance Plan for an additional low member rate
  • Receive a lump sum cash payment to help cover home healthcare, skilled nursing and nursing home expenses after you’ve been hospitalized

To learn more and compare premiums by age and coverage options, download the Hospital Indemnity Insurance Plan Rate Chart. You can also obtain a rate quote online.

Features

The ADA Hospital Indemnity Insurance Plan and Extended Care Rider combine comprehensive coverage with value and convenience to make this insurance plan fit easily into your insurance portfolio — and your life.

  • Coverage levels from $100 to $1,000 per day (in $50 increments) for up to 180 consecutive days1,2
  • Eligible to apply for coverage up to age 653
  • Renewable up to age 903
  • Acceptance is guaranteed4
  • Coverage available for your spouse and eligible dependents5
  • Qualifying pregnancy-related and outpatient treatments, including ER visits, receive 100% of the daily benefit
The Extended Care Rider Features

When you add this rider to the Hospital Indemnity Insurance Plan, you’ll receive additional benefits that may help pay for up to 200 days of home healthcare, skilled nursing facility and nursing home after you’ve been hospitalized.6

  • Under age 70
    • Home healthcare: up to $100 per day
    • Nursing facility and nursing home: up to $250 per day
  • Age 70+
    • Home healthcare: up to $100 per day
    • Skilled nursing facility: up to $250 per day after 20 days
    • Nursing home: up to $250 per day after 90 days
  • Coverage details
    • Available to all eligible ADA members and spouses under the age of 65, and dependents under age 21 (or 27 if a full-time student)
    • The Extended Care Rider requires medical underwriting

1Premiums are effective as of 4/1/16 and include a 45% Premium Credit discount that shares favorable financial results with Plan participants; discount is not guaranteed but reevaluated periodically. The Extended Care Rider provides a daily benefit for up to 200 days.

2At age 70, Hospital Indemnity Insurance plan coverage maximum is $200 per day for all participants.

3Beginning at age 65, benefit amounts can no longer be increased. Hospital Indemnity Insurance Plan Coverage is renewable up to age 90.

4Hospital Indemnity Insurance Plan 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 this insurance and applicable to any insurance increases.

5Members 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 $1.74 per $100 of benefit.

6Benefits for confinement in a Skilled Nursing Facility or Home Healthcare will be payable only if such post-hospital confinement begins within seven days after at least three consecutive days of confinement in a hospital.

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.

Top