This FAQ applies to Washington, D.C. Dental Insureds only.*
What does ProAd MedGuard
coverage provide?
Can I purchase MedGuard for my
professional organization as well as for myself?
How much does it
cost to purchase ProAd MedGuard coverage?
Why should I purchase MedGuard for my professional organization?
If I don’t purchase MedGuard now, will the option to buy it be
open to me in the
future?
Q: What does ProAd MedGuard
coverage provide?
It pays to defend you against various
disciplinary proceedings. These include:
- Hospital, HMO/PPO Peer Review
- Local and State Society Peer Review
- State Licensure and Disciplinary Boards
- National Practitioner Data Bank
- Professional Review Organization
- OBRA (Omnibus Budget Reconciliation Act)
- Medicare
Washington, D.C.
Dentists can select Annual
Aggregate Limit of Insurance in amounts of $25,000, $50,000 or
$100,000 for these legal
expenses.
top
Q:
Can I
purchase MedGuard for my
professional organization as well as for myself?
YES. In
Washington, D.C., MedGuard is available to
individual dentists and dental hygienists and their
professional organizations. However, the professional
organization may purchase coverage only when all
eligible members also purchase MedGuard.
top
Q: How much does it cost to purchase ProAd MedGuard coverage?
| Individual Rates | |||
|
Occupation |
Defense Coverage | ||
| $25,000 | $50,000 | $100,000 | |
| Dentist | $267 | $300 | $333 |
| Dental Hygienist | $267 | $300 | $333 |
| Oral Surgeon | $267 | $300 | $333 |
| Professional Organization Rates | |||
|
Occupation |
Defense Coverage | ||
| $25,000 | $50,000 | $100,000 | |
| Dentist | $294 | $330 | $366 |
| Dental Hygienist | $294 | $330 | $366 |
| Oral Surgeon | $294 | $330 | $366 |
Q:
Why should I purchase MedGuard for my professional organization?
A professional
organization can face administrative proceedings. An HMO or
PPO that has a contract with a professional organization, for
example, could name that organization in a covered
administrative proceeding.
top
Q: If
I don’t purchase MedGuard now, will the option to buy it be
open to me in the
future?
YES. MedGuard will
be available in the future.
top
*As with any insurance coverage, the
premiums for, and the coverages provided by, Professionals
Advocate, including all terms, conditions and exclusions are
set forth in your policy and related documents. The
descriptions contained in this brochure are intended only as a
general description of how MedGuard coverage works. These
descriptions do not refer to your specific premium and are not
a substitute for reading your bills and any policy provisions
related to your premium. Please check with your local
Professionals Advocate insurance producer or the Professionals
Advocate Customer Service Department if you have any specific
questions about your policy premium.
