11/07/2019

Happening now: Open enrollment for health coverage through TDIC Insurance Solutions


CDA members might already know that The Dentists Insurance Company offers dentists-focused coverage for the dental practice, but they might not be aware that TDIC Insurance Solutions offers health coverage, including individual and family plans, small-group plans and Medicare options from trusted carriers.

Open enrollment allows everybody to sign up for health care coverage taking effect Jan. 1, 2020. Enrollment for individual and family plans and Medicare plans has already begun. Special enrollment for small-group plans begins Nov. 15. Read on for a description and the enrollment period for each plan option and where to find more information.

Individual and family plans

Open enrollment: Nov. 1-Dec. 15
Effective date: Jan. 1, 2020
Individual and family plans are designed to cover you and your family. HMO, PPO and HSA-compatible plans are available, including prescription drug coverage, vision plans though VSP and supplemental plans through Aflac.

TDIC Insurance Solutions offers individual and family health plans from the following carriers: Anthem Blue Cross, Blue Shield, Health Net, Kaiser, Sharp, Sutter Health Plus and Western Health Advantage.

Individuals who do not sign up for coverage during the open enrollment period will not be able to purchase coverage for 2020 unless they qualify for a “special enrollment period.” Qualifying events include marriage, divorce, court order, involuntary loss of coverage and having a baby.

Small-group plans

Special enrollment: Nov. 15-Dec. 13
Effective date: Jan. 1, 2020
Small-group plans cover practice owners and their employees, whether they have an office of two or 49. The benefits of small-group plans include availability of larger provider networks, more carrier and plan options and competitive premiums.

Health plans from the following carriers are available: Aetna, Athem Blue Cross, Blue Shield, California Choice, Health Net, Kaiser, Oscar, Sharp, Sutter Health Plus, United Healthcare and Western Health Advantage.

Additionally, the following supplemental plans are offered through Aflac: accident, hospital indemnity, critical illness, cancer/specified disease and short-term disability.

Small-group plans can be established at any time throughout the year and coverage is always effective on the first day of the month after purchase. Minimum participation and employer contribution are required except during the special enrollment period, which allows for purchase of group coverage without meeting the employee participation requirement.

Medicare

Open enrollment: Oct. 15-Dec. 7
Effective date: Jan. 1, 2020
If you are currently eligible for Medicare or will be converting to Medicare soon, you can benefit from TDIC Insurance Solutions’ supplemental policy, which works like health insurance to fill any gaps left by Medicare Parts A and B.

Also, for those who already have supplemental coverage, it may be helpful to know that new Medicare health plans and Part D prescription drug coverage choices are available each year. A health account representative can review your current health plan and prescription-drug coverage to help you find a plan that best fits your needs.

Plans from the following carriers are available: Anthem Blue Cross, Blue Shield, Health Net and Humana.

To explore your options, email or call a health account representative at 800.733.0633, or learn more online.

TDIC was started by dentists in 1980. The company’s reputation is reflected in the “A” rating it has earned from AM Best for 25 consecutive years.

Coverages written by The Dentists Insurance Company include Professional Liability, Employment Practices Liability, Commercial Property and Cyber Suite Liability. In California, TDIC also underwrites Workers' Compensation. All other insurance products are placed through TDIC Insurance Solutions with outside carriers. CA Lic. #0652783



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The responsibilities of dental practice owners extend far beyond patient care. As an employer, you also have an obligation to ensure you are following workers’ compensation laws. Workers’ compensation insurance provides state-mandated benefits to employees who suffer an injury or illness that arose out of or occurred in the course and scope of employment.

The Dentists Insurance Company has earned endorsements from four dental organizations: Washington State Dental Association, Oregon Dental Association, Idaho State Dental Association and Seattle-King County Dental Society. The renewed endorsements from organized dentistry validate the strength of TDIC and the trust that the profession has in an insurance company that protects only dentists.

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