Plan Administrator: Independence Holding Company IHC | AM Best Rating: A-"Excellent" | Underwriter: Madison National Life Insurance Company in all states except Maine, New Hampshire and New York where it is underwritten by Standard Security Life Insurance Company of New York.
Eligibility
IHC Dental is available to applicants age 18 and older, their spouse and dependent children under the age of 26. The primary insured must be a member of Communicating for America, and all family members must be residents of the United States in order to be covered.
Effective date
The plan will be effective the first month of the month following request for coverage, or a future selected effective date not more than 60 days following enrollment.
Covered charges
Expenses must be medically necessary and incurred by a covered person while the plan is inforce. A covered procedure must be performed by a licensed dentist acting within the scope of her or his license, a licensed physician performing dental services within the scope of her or his license, or a licensed dental hygienist acting under the supervision and direction of a dentist.
This brochure provides a brief description of the benefits, exclusions and other provisions of the Master Group Dental Policy MNL ADEN-POL 0905 or SSL ADEN-POL 0905 issued to the Communicating for America, Inc. association, the group policyholder. For complete details, please refer to the Group Dental Insurance Certificate MNL ADEN-CER.001 0905 or SSL ADEN-CER.001 0905.
Group association dental insurance under the IHC Dental plans is underwritten by Madison National Life Insurance Company, Inc. in all states except Maine, New Hampshire and New York where IHC Dental is underwritten by Standard Security Life Insurance Company of New York.
Refer to a separate brochure for residents of Georgia and Texas.
Dental insurance can help cover the cost of exams and procedures, while promoting more frequent visits, ultimately keeping you healthier. IHC Dental offers three great plans for individuals and families.
IHC Dental Partners
IHC Dental is a group association plan available to members of Communicating for America, Inc. (CA). CA is a nonprofit association headquartered in Fergus Falls, Minn., that has been providing members valuable benefits and savings since 1972. Enrollment as a member of CA is completed upon receipt of the association dues, which are billed with the monthly premiums.
Madison National Life Insurance Company, Inc.
Group association dental insurance is underwritten by Madison National Life Insurance Company, Inc., a member of The IHC Group. Madison National is rated A- (Excellent) for financial strength by A.M. Best Company, Inc., a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet their obligations. (An A++ rating from A.M. Best is its highest rating.)
Standard Security Life Insurance Company of New York
In the states of Maine, New Hampshire and New York, group association dental insurance is underwritten by Standard Security Life Insurance Company of New York. Standard Security Life is also a member of The IHC Group and is rated A- (Excellent) for financial strength by A.M. Best Company, Inc.
The IHC Group
For over three decades member companies of The IHC Group have built a reputation of commitment to the markets they serve. With more than one million customers nationwide, The IHC Group’s focus is to be an innovative partner to small businesses, individuals and families.
There is no ownership or affiliation between the underwriting carriers (Madison National Life and Standard Security Life) and Communicating for America, Inc.