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For some, ADA insurance is No. 1 reason to renew membership

April 23, 2012

By Karen Fox, ADA News staff

Dr. Carmella Fanelle graduated from Temple University School of Dental Medicine in 1987, completed a general practice residency at Veterans Administration Hospital in Philadelphia then moved her practice to Barrington, N.J., where she’s practiced for the past 20 years.


Dr. Fanelle

In addition to growing her practice, hiring staff and making equipment purchases, she also married and had three children. In more recent and challenging times, she’s faced domestic violence, divorce and a diagnosis of melanoma.

Dr. Fanelle is an ADA member who chooses to carry all five of the ADA Insurance Plans administered and underwritten by Great-West Life & Annuity Insurance Co., and says she can’t imagine where she’d be without them.

“The ADA plans really offer the best value for your hard-earned dollars,” said Dr. Fanelle. “Great-West offers premium credits, or reductions in the premiums you pay. It’s a very attractive feature.”

In her many years of experience with Great-West, Dr. Fanelle has found the paperwork “hassle-free” and perhaps most importantly, unrivaled customer service.

“I was diagnosed with melanoma and had surgery in 2009,” said Dr. Fanelle. “My ADA Insurance Plans specialist was the one who called me to suggest that I utilize my MedCASH benefit and submit a claim. How many agents do you know that are that up front and honest?”

MedCASH is supplemental medical insurance that pays cash benefits. Dr. Fanelle thinks it’s one of the best-kept secrets about ADA Insurance Plans.

“You can pick your level of coverage: $500 a day for hospitalization, $250 for an emergency room visit. It’s cash that helps you cover expenses when you need it the most. It also covers all of your family regardless of the number of children in your family.”

She points out that despite having a life-threatening condition, her coverage continued. “They have helped me navigate through some of the more rough waters of my life.

“These were some tough times for me. The service I’ve received is always honest and always pleasant,” she said. “The Great-West team has a long history of working with the ADA and the products are customized for dentists. It is without hesitation that I endorse all these products.”

Are insurance products her main reason for renewing membership? “Probably; I think it is,” she said. “The ADA Insurance Plans are the best bang for your buck, and I can’t say enough good things about Great-West. I think if you have a long-standing relationship with an organization like this, they’re listening to you and listening to your members.”