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This product is not considered to be Minimal Essential Coverage as defined by the
Patient Protection and Affordable Care Act (ACA). Enrolling in and maintaining an
Independence Dental plan will not exempt you from the Shared Responsibility
Payment (tax) that may apply if you do not have a plan with ACA-compliant coverage.
Certain Independence Dental plan selections are only available with an existing
major medical ACA-compliant plan. An attestation may be required indicating all
family members applying for the Independence Dental plan have ACA coverage.
Not all plans or combinations of benefits are available in all states.
This brochure provides a very brief description of the important features of Independence Dental. This brochure is not a certificate
of coverage or policy and only the actual certificate or policy provisions will control. The certificate or policy itself sets forth in detail
the rights and obligations of both the certificate holder or policy holder and the insurance company. It is, therefore, important that
you READ THE CERTIFICATE OR POLICY CAREFULLY. For complete details, refer to the Individual Dental Policy, Policy form number (IAIC
IDEN POL 0414).
About Independence American Insurance Company
Independence American Insurance Company is domiciled in Delaware and licensed to write property and casualty insurance in all
50 states and the District of Columbia. Its products include short-term medical, employer medical stop-loss, hospital indemnity,
fixed indemnity limited benefit, group and individual dental, pet insurance, and non-subscriber occupational accident insurance in
Texas. Independence American is rated A- (Excellent) for financial strength by A.M. Best, a widely recognized rating agency that rates
insurance companies on their relative financial strength and ability to meet policyholder obligations (an A++ rating from A.M. Best is
its highest rating).
About The Loomis Company
The Loomis Company (Loomis), founded in 1955, has been a leading Third Party Administrator (TPA) since 1978. Loomis has
strategically invested in industry leading ERP platforms, and partnered with well-respected companies to enhance and grow product
offerings. Loomis supports a wide spectrum of clients from self-funded municipalities, school districts and employer groups, to
large fully insured health plans who operate on and off state and federal marketplaces. Through innovation and a progressive
business model, Loomis is able to fully support and interface with its clients and carriers to drive maximum efficiencies required in
the ever evolving healthcare environment.
About The IHC Group
Independence Holding Company (NYSE: IHC), formed in 1980, is a holding company that is principally engaged in underwriting,
administering and/or distributing group and individual specialty benefit products, including disability, supplemental health, pet,
and group life insurance through its subsidiaries (Independence Holding Company and its subsidiaries collectively referred to
as “The IHC Group”). The IHC Group includes three insurance companies (Standard Security Life Insurance Company of New York,
Madison National Life Insurance Company, Inc. and Independence American Insurance Company), and IHC Specialty Benefits, Inc.,
a technology-driven full-service marketing and distribution company that focuses on small employer and individual consumer
products through general agents, telebrokerage, call centers, advisors, private label arrangements, independent agents, and through
the following brands: www.HealtheDeals.com; Health eDeals Advisors; Aspira A Mas; www.PetPartners.com; and www.PetPlace.com.
Brochure Independence Dental Indemnity 0918 5
Patient Protection and Affordable Care Act (ACA). Enrolling in and maintaining an
Independence Dental plan will not exempt you from the Shared Responsibility
Payment (tax) that may apply if you do not have a plan with ACA-compliant coverage.
Certain Independence Dental plan selections are only available with an existing
major medical ACA-compliant plan. An attestation may be required indicating all
family members applying for the Independence Dental plan have ACA coverage.
Not all plans or combinations of benefits are available in all states.
This brochure provides a very brief description of the important features of Independence Dental. This brochure is not a certificate
of coverage or policy and only the actual certificate or policy provisions will control. The certificate or policy itself sets forth in detail
the rights and obligations of both the certificate holder or policy holder and the insurance company. It is, therefore, important that
you READ THE CERTIFICATE OR POLICY CAREFULLY. For complete details, refer to the Individual Dental Policy, Policy form number (IAIC
IDEN POL 0414).
About Independence American Insurance Company
Independence American Insurance Company is domiciled in Delaware and licensed to write property and casualty insurance in all
50 states and the District of Columbia. Its products include short-term medical, employer medical stop-loss, hospital indemnity,
fixed indemnity limited benefit, group and individual dental, pet insurance, and non-subscriber occupational accident insurance in
Texas. Independence American is rated A- (Excellent) for financial strength by A.M. Best, a widely recognized rating agency that rates
insurance companies on their relative financial strength and ability to meet policyholder obligations (an A++ rating from A.M. Best is
its highest rating).
About The Loomis Company
The Loomis Company (Loomis), founded in 1955, has been a leading Third Party Administrator (TPA) since 1978. Loomis has
strategically invested in industry leading ERP platforms, and partnered with well-respected companies to enhance and grow product
offerings. Loomis supports a wide spectrum of clients from self-funded municipalities, school districts and employer groups, to
large fully insured health plans who operate on and off state and federal marketplaces. Through innovation and a progressive
business model, Loomis is able to fully support and interface with its clients and carriers to drive maximum efficiencies required in
the ever evolving healthcare environment.
About The IHC Group
Independence Holding Company (NYSE: IHC), formed in 1980, is a holding company that is principally engaged in underwriting,
administering and/or distributing group and individual specialty benefit products, including disability, supplemental health, pet,
and group life insurance through its subsidiaries (Independence Holding Company and its subsidiaries collectively referred to
as “The IHC Group”). The IHC Group includes three insurance companies (Standard Security Life Insurance Company of New York,
Madison National Life Insurance Company, Inc. and Independence American Insurance Company), and IHC Specialty Benefits, Inc.,
a technology-driven full-service marketing and distribution company that focuses on small employer and individual consumer
products through general agents, telebrokerage, call centers, advisors, private label arrangements, independent agents, and through
the following brands: www.HealtheDeals.com; Health eDeals Advisors; Aspira A Mas; www.PetPartners.com; and www.PetPlace.com.
Brochure Independence Dental Indemnity 0918 5
