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ADA Members Supplemental Insurance Plans
Underwritten by Protective®

Supplemental health insurance doesn't take the place of major medical. It's additional protection that can help you pay for costs health insurance may not cover.

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ADA Members Supplemental Insurance Plans Underwritten by Protective®
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Introduction Picture

Supplemental health insurance doesn't take the place of major medical. It's additional protection that can help you pay for costs health insurance may not cover.

Two options at affordable ADA member rates that pay cash benefits directly to you.

A critical illness or a hospital stay due to an accident, injury, or illness can result in financial implications not just for you, but also for your family and your practice.

These insurance plans were designed to help ease your burden by providing assistance with paying for costs health insurance might not cover, such as out-of-network specialists, prescription medications, other out-of-pocket costs, and more. This is especially helpful if you have a high-deductible major medical plan.

The buying power of generations of ADA Members and their families is leveraged to give you this high-quality coverage at advantageous group rates — rates you may not be able to get on your own.

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ADA Hospital Indemnity Insurance Plan with the optional Extended Care Rider
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ADA Critical Illness Insurance Plan
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ADA Hospital Indemnity Insurance Plan with the optional Extended Care Rider

This supplemental medical insurance plan pays up to $1,000 for each day of hospitalization.* You can also apply for the Extended Care Rider to help address extended care needs. It provides benefits for up to 200 days to cover skilled nursing, nursing home, or home healthcare after hospitalization.

The ADA Critical Illness Insurance Plan

This coverage pays a cash benefit if you or a covered family member is diagnosed with one of the insurance plan's 17 covered critical illnesses or injuries, which include heart attack, stroke, cancer, kidney disease, and more.

*Apply for up to $1,000 in cash benefits, up to 180 consecutive days. Benefits may vary by state. Certain restrictions may apply. Please review your certificate for details.

Ready to get started?

Questions? Talk with an Insurance Plan Specialist at 866-607-5338 for assistance (weekdays from 8:30 a.m. to 6 p.m. Central Time) or Email ADAPlanSpecialist@protective.com.

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The information on this website is not a contract. Protective refers to Protective Life Insurance Company (PLICO) and its affiliates, including Protective Life and Annuity Company (PLAIC). PLICO, founded in 1907, is located in Omaha, NE and is licensed in all states excluding New York. PLAIC is located in Birmingham, AL, and is licensed in New York.

Protective® is a registered trademark of PLICO. The Protective trademarks, logos and service marks are property of PLICO and are protected by copyright, trademark, and/or other proprietary rights and laws. ADA® is a registered trademark of the American Dental Association (ADA). ADA Members Insurance Plans® is a registered service mark of the ADA. The ADA trademarks, logos, and service marks are the property of the ADA and used by Protective with permission. In some states, the ADA is entitled to receive royalties from the ADA Members Insurance Plans.

ADA Members Insurance Plans refers to the group life, disability, and supplemental medical policies issued by PLICO and PLAIC to the ADA.

Policies issued by PLICO in all states except New York: Term Life Insurance1 (TL-P 1-21), Student Term Life Insurance (TL-ST-P 2-21), Universal Life Insurance1 (TP-P 11-20), Level Term Insurance2 (LT-P 1-21), Disability Income Protection Insurance3 (IP-P 7-20), Office Overhead Expense Disability Insurance4 (OE-P 9-20), Student Disability Income Insurance3 (ST-P 8-20), Hospital Indemnity Insurance (HI-P 11-20) not available in New Mexico, and Critical Illness Insurance (CI-P 7-20).

In New York, policies issued by PLAIC: Term Life Insurance1 (TL-P-NY 1-21), Student Term Life Insurance (TL-ST-P-NY 2-21), Universal Life Insurance1 (TP-P-NY 2-21), Level Term Life Insurance2 (LT-P-NY 2-21), Disability Income Protection Insurance3 (IP-P-NY 12-20), Office Overhead Expense Disability Insurance4 (OE-P-NY 01-21), Student Disability Income Insurance1 (ST-P-NY 1-21), Hospital Indemnity Insurance (HI-P-NY 1-21), and Critical Illness Insurance (CI-P-NY).

Consult the policy for benefits, riders, limitations, and exclusions. Benefits adjusted for misstatements of age or sex. Benefits are provided under a group policy issued to the ADA. Each Plan participant will receive a Certificate of Insurance explaining the terms and conditions of the policy. An insured must maintain continuous ADA membership to remain eligible for insurance.

1For term life insurance and universal life insurance, premiums increase annually based on age. The Premium Credit is not guaranteed but reevaluated periodically. Universal life recommended premiums consist of the costs of insurance (which vary based on the member’s age and coverage amount), the amount a member places into the Policy Value Account and service charge. Premium deposits may fluctuate or remain level.

2For level term life insurance, premiums are fixed based on the member’s age, gender and coverage amount at issue.

3Premiums increase every five years based on age for disability income protection. Premium Credit is not guaranteed but reevaluated periodically.

4Premiums increase every 10 years based on age to age 60 and every 5 years thereafter to age 75 for office overhead expense disability. Premium credit is not guaranteed but reevaluated periodically.

Coverage for dental student members is issued regardless of condition if under age 60. Coverage automatically renews each academic year. Individuals may convert coverage to the plans for practicing dentists after graduation by paying member premiums and maintaining continuous ADA membership.

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