Let s Talk IDAi-Brochure-jss.indd 1 4/22/2010 9:23:00 AM
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1 Let s Talk
2 IDA Insurance is a wholly-owned subsidiary of the Indiana Dental Association (IDA). Since 2004, IDA Insurance has operated from within the Association s Central Office in Indianapolis, IN. We are committed to delivering exclusive insurance products and unmatched service. We continue to grow and expand our portfolio of services which currently includes Health, Liability, and Medicare insurance solutions. 2
3 Health Group Individual HSA s Liability Professional Office Worker s Comp Medicare Medicare Supplement Medicare Part D 3
4 Since 2004, IDA Insurance has been operating as a subsidiary of the Indiana Dental Association. This unique insurance agency is governed by IDA Members for the sole purpose of serving member dentists and their dental team. The essence of the IDA Insurance mission statement is to serve the IDA membership. Nothing more. Nothing less. As you flip the pages, there are benefits specifically designed for you. IDA Insurance offers ProAssurance professional liability coverage that is unique by design for IDA members. They offer coverage and discounts that no other carrier or agency can offer. Take the time to evaluate the IDA Group Health Insurance plan that has premiums lower than the market average, while being extremely rich in benefits. The IDA Group Health Insurance premium can only be quoted by our IDA Insurance agents. In addition,there are many other products, services, and professional advice available to you. Regardless of which programs meet your needs, you can be confident in knowing that all of the products and services meet the strictest of standards those of your colleagues. Every endorsed product is peer-reviewed by subcommittees who then recommend approval by the Indiana Dental Association Board of Trustees and the IDA Insurance Services Board of Directors. See how we can serve you, today. James Lipton DDS, Highland Chair, IDA Committee on Insurance Member, IDA Insurance Services Board of Directors 4
5 Thank you again for all of your personalized help. It is so nice to actually talk to a person who wants to help others. Amanda Stoner, Indianapolis Assistant When I called IDA Insurance, I immediately recognized them to be understanding, helpful and extremely knowledgeable. I spoke with Jonathan nearly every day for three months and he was always available and followed through on every task. He became as much a friend and hand holder as he was a technical adviser. He was most helpful during the most frustrating of times. Dr. Michael Olivotto, Valparaiso 26 Year IDA Member Thank you so much for all of your help. We appreciate all your efforts and honesty with us. Your knowledge and helpfulness was exceptional. Dr. James Nicholson and Tammy O Brien Zionsville and Lebanon 5
6 We realize you are busy and sometimes need a quick answer for your question. IDA Insurance is always just a call or click away. We encourage you to personally contact us as often as you would like. Q: Who do you work for? A: Many people ask the IDA Insurance team if we work for Anthem or UnitedHealth, or perhaps ProAssurance. Or some people think we work for an online insurance broker or local agency. Truth is, we are all employees of the Indiana Dental Association. Therefore, our total purpose is to provide sound advice, professional guidance, and be a member benefit. Sure we sell policies, but serving you comes first. 6
7 Q: What is better? Group or Individual health insurance? A: It depends. The better option can depend upon a variety or factors, including past and present health condition, the number of persons to be insured on the policy, and most importantly the deductible, plan benefits, and premium that best meet your needs. There is never a cookie-cutter answer for this question; please call today for your personal evaluation. Q: Is my dental team eligible for health insurance? A: Of course. One of the best ways to serve the member dentist is to serve their employees. Maybe you are the employee, and the answer is yes we can find a health insurance policy for you. Today, we insure more than 1000 dentists and more than 1200 dental team members. Q: What happens when my spouse or I turn 65? A: For 95% of seniors, when you become Medicare eligible (which is the 1st of the month in which you turn 65) you will no longer be eligible for your current under 65 health insurance plan even if you are on the IDA Group plan. Therefore, our Insurance team annually attends conferences and CE courses to keep up with Medicare and be able to advise you on your options. Regardless of age, we exist to serve you. Q: What does endorsed provider mean? A: An endorsed product/provider must meet four specific criteria. We adopted our criteria from the ADA which states, an endorsed provider must be an Industry Leader (fiscally sound and competitive in the marketplace), Hold a Higher Service Standard, Be Peer Reviewed, and Support the Mission Statement of the Association. Q: What Insurance products and services does IDA Insurance provide? A: Thank you for asking this question. Turn this page and you will find the many ways we can serve you. 7
8 Health Review and Quote both the Unique Group plan against competitive Individual plans Group Health Plan offers maternity coverage with no waiting period Group Health Plan is guaranteed issue no one can be denied coverage More than 100 different deductible and benefit options between Anthem and UnitedHealth individual plans HSA s are available through both the Group and Individual Our office provides health insurance to more than 1200 dental practices Medicare Enroll in Medicare Supplement policies Guidance through the Transition Advice for persons not yet 65 and need health insurance Unbiased assistance for selecting the right Medicare Part D plan 8 IDAi-Brochure-jss.indd 8 4/22/2010 9:23:09 AM
9 Health Liability Medicare Professional Liability Work with IDA endorsed provider, ProAssurance Must have Dentist-consent to settle Industry s best record on defending dentists Complies with the Patient Compensation Fund 5% discount for IDA members Free Online Risk Management tools (2 hours of CE) Office Liability Work with ProAssurance and their partner Travelers Office Building, Property/Contents, Workers Comp Bundle your protection and save 15% Online and client specific billing options Employee Benefit Liability and other unique coverage available, including Personal Lines Future Services Life Disability Business Overhead Expense Aflac 9
10 Health insurance is on the top of everyone s mind. There are many different reasons why health care reform, divorce, change in jobs, kids getting older, rising premiums and loosing eligibility for your plan. No matter what your reason is, we have a solution. Health We offer Group and Individual Insurance. We have $10,000 deductible HSA plans and $500 deductible Traditional/PPO plans. We have a plan for you, your family, your office. We even make shopping and comparing health insurance as easy as possible. Simply visit our website and check out Click n Quote. It s an online quoting tool that gives up to the minute carrier-specific premiums based upon the criteria you enter. But best of all, you only need to enter your zip code. Other online quoting sites require a name and/or phone number or address. Then they sell your contact information as a lead to as many as 7-10 other agents. Don t let that happen to you. Trust IDA Insurance. I switched health insurance plans to the IDA Group program with Anthem and saved over $20,000 in annual premium. As a dentist, I want to protect both my family and my employees. IDA Insurance helped me keep a critical employee benefit and even provided better coverage than my Assurant Group plan. Dr. Daniel Fridh, IDA Officer, Treasurer 10
11 Medicare Transitioning to Medicare is not easy. We re not sure what to do, where to go, and what forms to fill out? IDA Insurance has the answers. We help hundreds of dentists, spouses, and dental team members transition to Medicare every year. Let us help you. What do you need to know? What is Medicare Part D? What are Advantage Plans? Call IDA Insurance. We can educate and enroll you in Medicare Supplement policies, advise on the best options for Medicare Part D, and answer questions about Advantage plans. 11
12 Liability insurance is one of those must- haves Every practicing dentist must have Professional Liablity insurance, as well as Worker s Comp and Contents coverage. Professional Liability IDA endorses ProAssurance because of their commitment to dentists. A policy is only as strong as the people that stand behind it. When a claim is brought against you and your reputation is on the line, you want nothing but the best. ProAssurance offers specific discounts to IDA members, but more than cost and savings, we are here when you need us most. 12
13 Office Liability Office Imagine Liability this: You receive a call late in the evening and are told your practice is on fire. Or you arrive early the next morning to find the front door is broken in and the office has been vandalized. What do you do? How insured are you? Ask the questions now, before it s too late. Both situations can and have happened to Indiana dentists. IDA Insurance is able to offer a complete review of your existing policies, offer comparison quotes, and evaluate any areas in which you might be under-insured or have a gap in coverage. And not only does bundling your coverage ensure you are best protected, it keeps your life simple. Going back to the stories: If this were you, a one-minute call to IDA Insurance is all you need to do. You will have enough problems to worry about your insurance coverage shouldn t be one. Remember, it s the people behind the policy that make the difference. 13
14 Technology should enhance our ability to find information and simplify our life. That is what drives us to continue enhancing our website. You are currently able to shop, compare, and apply for health insurance coverage, without the threat of sales people calling you. Our website also provides a convenient way for you to specific team members or request general information. We will continue to update news content and even provide insightful videos from our staff. Be sure to check back frequently as we enhance our website to better serve you. 14
15 Making a difference Making a Difference Your support of IDA Insurance allows us to make a difference in the dental community. Your continued support and referrals will help us achieve an even greater impact. Here are just a few of the ways in which we are writing a positive story: Provide sponsorship dollars for CE speakers and other Local Dental Society events Financially support various IDA programs and advertise in publications reducing IDA expenses Involved at IUSD for ASDA Lunch and Learns and various class-specific events Make contributions to State and Local Dental Education Foundations 15
16 The IDA Insurance team exists to serve you. We are all Indiana licensed insurance professionals. It is our privilege to serve the dozens of people who call and each day, and we are honored to issue more than 2,300 policies each year. Nobody knows dentists, the practice, and the entire dental team like we do. Let us prove it to you. Throughout this guide, every page points towards our commitment to you. And it s not just us saying so, but your peers. We have been characterized as honest, knowledgeable, and responsive. But our favorite is Friend. Jonathan Mayo jonathan@indental.org Director of Insurance Laurie Campbell laurie@indental.org Health Insurance Specialist Ashley Snell ashley@indental.org Multi-Lines Insurance Agent (fax) 401 West Michigan Street Suite 1000 Indianapolis, IN (located on the canal, just a few blocks east of IUSD)
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