June 2016

3657 Okemos Rd., Suite 100Okemos, MI 48864-3927

Copyright ©2016 MDA Insurance & Financial GroupPublished quarterly by MDA Insurance & Financial Group

Get great deals from these

endorsed vendors

MDA Insurance & Financial Group (MDAIFG), the for-profit subsidiary of the MDA, is celebrating

its 30th anniversary this year. Thirty years ago the

Michigan Dental Association Board of Trustees envisioned that one day the MDA would be seeking innovative ways to attract and benefit members, as well as new revenue streams to fund new programs. Unforeseen was just how fruitful this vision would become. Now with 39 MDA-endorsed programs, the inception of the award-winning MDA Health Plan, which serves nearly 4,000 participants, and the MDA Services Glove program, endorsed by 24 dental and medical associations nationwide, MDAIFG continues to give back significantly

each year to the MDA in the form of non-dues revenue. This money is returned through royalties, dividends, shared/reimbursed overhead expenses

and program sponsorships.The MDA membership has

come to understand that to be endorsed by the MDA means discounts for the member and that the business has gone through a rigorous vetting process. Having done due diligence, member dentists save precious time and resources compared to investigating products and

services on their own. You can help us celebrate by taking a moment to familiarize yourself with the many great programs and services available to you as a member, our most valuable of all resources.

For a complete list of MDA-endorsed products and services, visit mdaprograms.com or call 800-860-2272.

From the ChairMDA Insurance & Financial Group celebrates

30 years of delivering value to members

In this issu e:• Register for free health insurance

and Medicare seminars

• Protect your practice with

MDA Insurance

• VSP open enrollment

• New wealth management

endorsement

M D A P R O G R A M S . C O M • Q UA L I T Y P R O G R A M S • G R O U P S AV I N G S • L O W E R D U E S M D A P R O G R A M S . C O M • Q UA L I T Y P R O G R A M S • G R O U P S AV I N G S • L O W E R D U E S

CHECK-UP

The MDA endorses 18 programs to assist members with their business and financial needs. Find a complete list in the MDA Services section of mdaprograms.com. A few are highlighted below:

• CareCredit: Patient financing 800-300-3046

• Comerica: Credit card processing 616-706-1358

• D-MMEX EasyRefine: Precious scrap metal refining 800.860.2272, ext. 465

• Demandforce: Automated patient communications 800-210-0355

Health insurance seminars: ‘Get the big picture on health plans’ for 2017

Selecting the right health care plan is more important than ever. Once you select a plan, it is set for the entire year unless you have a qualifying event. Get the big picture on the best health care plans in Michigan by attending our health plan workshop, presented by MDA Insurance. We have the most popular plans available and are the only source for the MDA Health Plan. This interactive seminar will help you select a health plan for 2017. We will review MDA Health Plan options, Blue Cross Blue Shield of

Michigan (BCBSM) small group plans, BCBSM individual plans, and eligibility for subsidized

Marketplace plans. You won’t find more comprehensive and useful information anywhere. Earn 3 FREE CE credits!

Seminars begin at 9 a.m., unless otherwise noted, and conclude at noon. Register online at smilemichigan.com/pro and choose CE Courses. Then click on MDA Courses and Special Seminars/Events. MDA members and staff are welcome to register. Space is limited so please secure your seats early.

Protect your practice: Coverage begins with

MDA Insurance

Does your professional liability insurance renew this summer? If so, take a moment to speak with MDA Insurance beforehand. Our professional staff can review your policy to ensure you are adequately protected and will also provide you with a quote for the endorsed Professional Protector Plan.

Not only can we assist with meeting all of your commercial coverage needs, we may also be able to save you some money in the process. The Professional Protector Plan offers both claims-made and occurrence professional liability coverage, as well as general liability, practice property and employment practices coverage.

If you haven’t reviewed your policy recently or compared premiums, now is the time. MDA members receive a 10 percent discount and you may also qualify for a number of other credits.

To begin the process, call MDA Insurance at 800-860-2272 and speak with Misty Haigh or Tina Croley. You may also submit a quote form online. Simply visit the property/liability section of our website at mdaprograms.com and choose “get a quote.” You won’t be disappointed.

It is easy to believe that cyber criminals are not a threat to dental practices. However, when choosing between a large corporation, a bank with security teams and firewalls, or a dental office with no security team, a dental practice likely can become a target.

Unfortunately, there are those whose businesses have been hacked — and those who don’t know they’ve been hacked. For maximum protection and peace of mind, consider purchasing cyber liability

insurance, often referred to as data breach insurance. For as little as $450 per year, you can protect yourself and your practice from the threat of a cyber attack or data breach. Get expert support and much more.

Complete the enclosed cyber liability and data breach quote form or call 800-860-2272 to request your free “Cyber Liability Information” kit. For more information visit mdaprograms.com.

Cyber security a necessity for dental practices

By Dale Nester, Chair, MDA Insurance and MDA Services

MDA Insurance Lunch ’n Learns— Sign up now in time for summer

The popular home and auto Lunch ’n Learn program through MDA Insurance continues. We will bring a delicious lunch to your office and present a short informational session to your staff about common mistakes made when purchasing home and auto insurance. Even better, anyone who gets a quote for these coverages will receive a $10 gift card for food or coffee. No purchase is necessary. We’ll also thank anyone who sets up the Lunch ’n Learn with a $20 gift card for their efforts.

Happily, it appears warm weather is finally here to stay. Get your summer toys, home and recreational vehicles ready by making sure they are properly insured. In most cases, you don’t need to purchase individual policies

for your “toys.” You may be able to insure small boats, jet skis, ATVs and other sports vehicles on your homeowner’s policy at less expense. Adding

a summer home, fifth wheel or RV under your homeowner’s policy will likely save you even more. Be sure to schedule these items specifically, however, as coverage usually will not extend automatically to such assets.

Did you know that MDA member discounts on these insurance coverages extend to

your family and employees as well? You can offer them a great employee benefit and can give them

a free lunch!Request a quote online

at mdaprograms.com or schedule your free Lunch ’n Learn with MDA Insurance. For more information call Jeni Drummond at 800-860-2272, ext. 462.

Health Seminar DatesSept. 8 Northern Michigan

University, Marquette, 6–9 p.m.

Sept. 16 Doubletree, Detroit

Sept. 30 Treetops Resort, Gaylord

Oct. 7 Bay Valley Resort, Bay City

Oct. 14 MDA Headquarters, Okemos

Oct. 28 L.V. Eberhard Center: Grand Valley State University, Grand Rapids

Nov. 11 Troy Management Education Center, Troy

•

Q UA L I T Y P R O G R A M S • G R O U P S AV I N G S • L O W E R D U E S Q UA L I T Y P R O G R A M S • G R O U P S AV I N G S • L O W E R D U E S

Dentists who attended the annual MDA Annual Session learned a great deal about HIPAA compliance, especially as it relates to email and other digital records within a dental practice. The rules are complex and the penalties are severe for anyone who fails to secure patient data. AppRiver can assist you with putting strong email safeguards in place to protect your patients and their confidential information.

To learn more, visit mdaprograms.com or call AppRiver at 866-223-4645. Be sure to mention you are an MDA member for special prices. One of the AppRiver experts will be happy to speak with you about any of their security services which all come with a FREE 30-day trial and are backed by 24/7 US-based Phenomenal Care™.

MDA endorses DBS Investment Advisers for wealth management, retirement planning services

AppRiver for seamless

HIPAA compliance

After a rigorous and thorough review process, DBS Investment Advisers (DBSIA) is our new MDA-endorsed provider of investment and retirement planning services.

In response to recognizing a distinct need for dedicated professional services for the dental industry, DBSIA was formed in 2000 to provide the comprehensive wealth management solutions this community deserves.

MDA members receive a discount on DBS Investment Adviser fees, and as your portfolio grows, the fee discount increases. Many of you are already familiar with DBSIA and the great people who work for this Michigan-based firm. They have been published in the MDA Journal extensively.

DBSIA can you assist with all of your wealth management needs including:

• Individual Investment Accounts• Individual Retirement Accounts (IRA) and Roth IRAs• Simplified Employee Pension Plans (SEP)• SIMPLE-IRA• 401(k) Plans• Cash Balance Plans

MDA members will receive personal attention regardless of the size of their portfolios.

To contact DBSIA, go online to mdaprograms.com or call Financial

Adviser Ted Schumann II at 989-686-6222 for a one-on-one appointment.

Enroll now for vision insurance and enjoy deep discounts on hearing aids

Now is the time to enroll in a great Vision Service Plan (VSP) program at special MDA member rates. Two plans are available:• The Basic plan provides an eye exam and lenses annually and new frames every two years. A $140 frame allowance is offered.

• The Premier plan includes all services of the basic plan, but permits new frames every year with a $200 limit, including progressive lenses for a $20 co-payment.

There is a $5 exam co-pay with either plan. An exam-only plan is also offered.

When you have VSP vision coverage, you also have access to deep discounts on hearing aids through TruHearing. Savings of up to $2,400 on digital hearing aids are available.

Enroll at any time. Apply by June 17 for coverage effective July 1. Premiums for VSP are billed by the MDA to subscribers on a quarterly basis. To enroll, please go to mdaprograms.com and click on health insurance. Then click on Vision Insurance to download the enrollment form. See rates below. Call MDA Insurance at 877-906-9924 for more information.

Stay competitive with a mobile-responsive

websiteMobile searches outstripped

desktop searches in 2015, and have continued to increase. This striking growth makes a mobile-ready website equally important as having a website. To continue to compete, your practice needs a website that looks as beautiful on a smartphone or tablet screen as it does on a desktop computer.

As the MDA-endorsed web presence provider, Officite wants to help your practice present its best face to new patients. To learn more, visit mdaprograms.com or call Officite at 877-889-4054. Be sure to mention you are an MDA member to receive discounts on website development and hosting fees.

If you are turning 65 or have recently turned 65, you will not want to miss this opportunity to significantly expand your understanding of Medicare and your Supplemental Coverage Options from our highly trained Medicare advisory team.

Important: The seven-month Medicare Ini-tial Enrollment Period (IEP) consists of the three months before your 65th birthday, the month of your birthday, and up to three months following your 65th birthday. Your enrollment time frame will determine your Medicare effective date.

Based on your birthday, choose an upcoming seminar date: • June 15, 1–3 p.m. • Sept. 21, 1–3 p.m. • Jan. 18, 2017, 1–3 p.m.

Location: MDA Headquarters, 3657 Okemos Road, Okemos, MI 48864

MDA Insurance works with our members through every stage of their professional lives

from student to aging-into-retirement. We strive to protect our members, their families and their employees by helping them maximize their income and protect their assets through our member services, programs and products.

Based on your needs, preferences, and priorities, we objectively present options aimed at maximizing your coverage while minimizing your out-of-pocket costs.

To register or for more information, contact Denise Wyzywany of our Medicare advisory team at 877-906-9924, ext. 450, via email at denise@mdaifg.com or learn more online at mdaprograms.com.

FREE Medicare seminars offered ‘Understand Medicare and Your Supplemental Coverage Options’

Act now—MDA Services Gloves 2nd quarter specials end soon; get mobile app

Vision Service Plan premiums

Plan Employee only 2 or more

Exam only

$1.50/month $3.50/month

Basic $14.00/month $30.00/month

Premier $18.00/month $40.00/month

• Open enrollment for the MDA Health Plan runs Oct. 15–Nov. 15

MDA Health Plan open enrollment for 2017 plans is Oct. 15–Nov. 15. This is when you can change plan designs, eligibility requirements or add employees who have previously waived the plan.

• Qualifying event

If you have an employee/dependent who involuntarily loses health coverage, he or she has 60 days from the date of the event to be added to the MDA Health Plan. Qualifying events include, but may not be limited to, a job loss, marriage, divorce, birth or death.

• New hire waiting period

This is the length of time the plan sponsor has stipulated before a new employee or an employee who has changed to full-time status can be added to the plan. Options include date of hire, 30 days, 60 days or 90 days. The ACA prohibits waiting periods longer than 90 days. If the new employee does not sign up for the plan when he or she is eligible, the employee can only be added to the plan because of a qualifying event or during the fall open enrollment period for benefits effective the following year.

Questions?Please call MDA Insurance at 877-906-9924 or visit mdaprograms.com.

MDA Health Plan: Important guidelines

for when you can make health plan

changes

Download the FREE mobile app

The Association Gloves mobile app is now available on the Apple App Store and Google Play. Use the app to place an order and receive $5 off a purchase of $175 or

more on regularly priced products.

Special offers below are good until June 30 only

• Xceed nitrile: Buy 7 boxes, get 3 boxes free. • Neogard chloroprene: Buy 8 get 2 free. • Ultraform nitrile: Buy 7 get 3 free. • Sensation nitrile: Buy 8 boxes, get 2 boxes free. • Halyard Health Aquasoft: Buy 1 case, get 2 boxes free. • Halyard Health Lavender: Buy 1 case, get 1 box free.

• Cranberry Revo200 Textured Nitrile: Only $5.15 per 100 gloves, or $103 per case.• Cranberry Truly200 Textured Nitrile: Just $5.37 per 100, or $107.50 per case.• EcoBee BeeSure SuperSlim: Reduced to $4.60 per 100, or $138 per case.• BeeSure 2100 series masks, ASTM-rated level 2 ear loop masks: $29 per case of 400. • Halyard Health masks: Buy 1 case, get 2 boxes free.

Many convenient ways to order!To place an order, download our free mobile

app, go online to mdaservicesgloves.com or call 877-484-6149. Free samples of all our gloves and masks are available by calling 877-484-6149. Start saving now!