Why Buy Voluntary Insurance?

In today’s economic climate, it is more important than ever to have several financial safeguards in place. Our voluntary insurance plans allow individuals to receive cash compensation when accidents and critical illnesses occur. These benefits can offset out-of-pocket costs associated with emergency medical treatment.

MDA Insurance brings you Group Voluntary Accident and Critical Illness insurance plans, in part, to give you flexibility to select a health insurance plan with a lower premium and a higher deductible.

Use the form below to submit a claim for the $25 office visit reimbursement. Complete only the first page and sign the form.

Office Visit Claim Form

Accident Claim Form

Critical Illness Claim Form

Accident Beneficiary Change Form

Accident/Critical Illness/Hospital Recovery Insurance

Most health insurance plans today are high-deductible plans. This exposes you to thousands of dollars in out-of-pocket costs before your health insurance pays any benefit. Accident, critical illness and hospital recovery insurance provide dentists and their employees with cash benefits if they sustain an accidental injury or are diagnosed with a critical illness. Plans for groups or individuals are available.

Request a Quote

Accident Insurance

LifeSecure Personal Accident Insurance

LifeSecure Personal Accident Policy allows you to purchase a bank of accident benefits. If you sustain an accidental injury, simply submit your explanation of benefits form and receive reimbursement for up to the full amount of your benefit bank, less any deductible that may apply.

LifeSecure Personal Accident Brochure

LifeSecure Personal Accident Plan-at-a-glance

LifeSecure Personal Accident Rate Sheet

Critical Illness Insurance

Purchasing critical illness insurance can be a form of re-insuring you against high out-of-pocket obligations. If you are diagnosed with a covered critical illness, these insurance policies will pay benefits that then can be used to pay your health plan deductible. The cost for critical illness insurance can be as low as $7 a month.

LifeSecure Critical Illness Individual Plan Brochure

LifeSecure Critical Illness Individual Plan-at-a-glance

Hospital Recovery Insurance

Stay in control and focus on your post-hospital-stay recovery rather than struggling to pay or worrying about unexpected hospital and recovery costs. Hospital Recovery insurance pays you a fixed daily amount for hospital confinement up to the calendar year maximum of 35 days.

LifeSecure’s Hospital Recovery insurance plan even provides a daily benefit for up to 4 days when you are under “Observation” in the hospital rather than an admitted inpatient.

Use the cash that is paid to you after you are discharged as you see fit to cover costs such as lost wages, transportation, meals, child care, housekeeping, etc.

Designed to be customized this plan:

  • Features issue ages from 18 to 85
  • Is guaranteed renewable for life
  • Allows you to choose a daily benefit amount between $100 and $900 in $10 increments
  • Can be purchased by individuals
  • Can be offered as a Group plan in a variety of forms
  • 100% voluntary enrollment by your employees
  • With employer contribution
  • 100% employer paid

Hospital Recovery Plan Brochure – Individual

Hospital Recovery Plan-at-a-Glance – Individual


Allstate Accident Group Insurance

Allstate’s accident group plan is offered at great rates to MDA members and their employees working a minimum of 20 hours per week. Several levels of coverage are available in each plan:

  • $20,000 or $40,000 for Accident Insurance 24-hour protection
  • $10,000 or $20,000 for Critical Illness Insurance
  • $40,000 or $60,000 benefit options for Off-the-Job Accident Insurance

Allstate Benefits Voluntary Group Accident Insurance Brochure and Rate Sheet  (24-hour plan)

Allstate Benefits Off-the-Job Voluntary Group Accident Insurance Brochure and Rate Sheet

Allstate Benefits Voluntary Group Critical Illness Insurance Brochure

Allstate Benefits Voluntary Group Accident and Critical Illness Enrollment Form

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Personal Appointments Available

MDA Insurance provides the option of on-site visits or “Zoom” (a free-downloadable application that allows parties to see one another, converse and share documents using PCs, laptops or mobile phones) meetings to discuss the issues that apply to your particular situation. To request a quote, enroll, or schedule a visit at your convenience, please call 800-860-2272.