Dental Resource Guide

Montana Dental Association

MDA Group Benefits Trust

If you already are a member with user name and password, click here.

The Montana Dental Association provides a wide range of member services, one of the more valued is the group medical plan.

The medical plan is called the Montana Dental Association Group Benefits Trust. The trust is self-insured, managed by six trustees. The claims administrator is Employee Benefit Management Services, Inc. located in Billings, Montana.

As of January 1, 2012, the trust provides group medical insurance to over 150 dental offices and to over 250 dentists and employees; the Trust offers four different benefit options - each uniquely designed to provide coverage and benefits that the membership has indicated best meets the needs of the dental profession. There are two high deductible health plans which are health savings account (HSA) eligible. The Trust has a reserve fund that helps keep the annual premium increases much lower than other options. A second tool used by the Trust is catastrophic claims reinsurance. This limits the claims losses charged to the plan, also functioning as a premium leveling mechanism.

All of the benefit designs provide "first dollar" preventive benefits which means 100% coverage for well-child care, mammograms, colonoscopies, immunizations and yearly exams to name a few. All plans also provide a 100% paid annual eye exam, through VSP. You can get complete information and request a quote by calling our insurance consultant, Mountain West Benefit Solutions at-1-877-343-1060 or email dara@askmwb.com.

To review the medical plans that are available to you and your firm, click on the following link and choose "Association Benefits"

Dara Anderson | Director, Account Sales Service & Support | Mountain West Benefits
3390 Colton Drive, Ste A | Helena, MT, 59602
406-441-4713 | 406-442-1913 | dara@askmwb.com | www.mountainwestbenefits.com

Montana Dental Association
Professional Liability & Dental Practice Package Insurance

Payne Financial Group / Hoiness LaBar Insurance
& Cincinnati Insurance Company 

1 (800) 877-0115 or (406) 238-1910

Professional Liability and Dental Practice Protection:

The MDA endorses Hoiness LaBar Insurance, a member of The Payne Financial Group and their trusted partner carrier The Cincinnati Insurance Company.  It is through this endorsement which MDA members can purchase both Professional Liability and comprehensive Practice coverage. Hoiness LaBar Insurance has been the endorsed agent for the MDA for over 30 years.  Over 300 practicing dentists in Montana are currently insured with Cincinnati Insurance through PFG. We have both local agents and local adjusters to provide the best service possible to the MDA members.

Cincinnati Insurance and Occurrence vs. Claims-Made coverage:

Cincinnati Insurance Company has an AM Best Rating of A+ VX, and was recently recognized by Forbes magazine as The Most Trustworthy Company for large-cap, publicly traded companies in the US.  Forbes evaluated over 8,000 companies in all industries, not just insurance companies, and they chose Cincinnati as the most Trustworthy.

Cincinnati Insurance has been insuring dentists for over 50 years and they are one of the largest writers of dentists in the country.   They have always used the Occurrence form.  When the professional liability crises hit, all carriers writing professional liability either switched to the more limited Claims-Made form, or quit writing professional liability all together.  Not Cincinnati, they continued to offer the broader Occurrence form to their clients. They always have, and always will, provide their clients the broadest coverage possible. 

For more on how PFG’s services fit your needs, talk to your Payne Financial Group Advisor:

Nate Allie, AAI, CIC
Payne Financial Group / Hoiness LaBar
Toll Free: (800) 877-0115
Direct: (406) 238-1910
Fax: (406) 245-9887
nallie@pfg-insurance.com
www.PFG-Insurance.com

CGI Communications, Inc.

Company Contact Information:
Christopher A. Sokal
VP CGI Communications
130 East Main Street
Rochester, New York 14604
1.800.398.3029 ext. 241
csokal@cgicommunications.com
http://www.cgicommunications.com
Fax 585.427.0075

Summary of Company History

CGI Communications, Inc., formed in 1988, is built on delivering high-impact marketing and promotion products to Associations across the country and the members they represent.

Today, CGI has over 80,000 satisfied customers. As a result, we've created specific programs and products that will help create lifelong clients, build referrals, and strengthen your online presence and much more.

We know an educated and informed client is a business owner’s best type of client, “A life time client.” Therefore, we’ve produced over 45 minutes of relevant video content that can be used to educate and inform your current clients while providing you a means to reach future ones. Learn how this educational content combined with our state-of-the-art technology is growing businesses across the country.

Even if you don’t currently have a website, our system can be integrated. With our patented OneClick™ technology and many other groundbreaking options, we will help increase your client base by building an internet presence that will heighten the image and prestige of your business.

By being a member of your Association, you have the opportunity to be introduced to this exciting program. We believe you'll find the programs to be extremely valuable. Your association has worked out very favorable rates for its members, and members only, to take advantage of. It will cost you nothing to learn about this exciting opportunity. Please be aware you'll be receiving a call from CGI to set up an appointment or feel free to contact them yourself.

If you have any questions, please contact Chris Sokal at 1-800-398-3029 x241 or email csokal@cgicommunications.com

877.739.3952

www.bestcardteam.com

1,400+ dental practices save an annual average of 23% or $1,066 over their prior processor by switching to Best Card!

MDA members receive great rates and features including:

• $0 per transaction fees
• a low $5 monthly statement/customer service fee
• no monthly minimums
• a low $25 annual PCI compliance fee.
• You can usually keep your same equipment and if you close your batch by 4:00 PM, you will receive your deposit the next day.
• With Best Card, you will receive one deposit daily for all cards accepted (MC/Visa/Discover/AMEX/etc.) and one monthly statement. This saves time when reconciling the bank statement from those processors who have separate deposits/statements for MC/Visa, AMEX and Discover!

Are you paying too much with your current credit card processor? A simple calculation is to divide your monthly processing fees charged by the dollar volume of credit cards processed. If greater than 2.1%, you are probably paying too much.

Example: Fees ($289) divided by total credit card volume processed ($9765) = 2.96% (effective rate charged). You will almost certainly save $$$ with Best Card!

Fax your statement to Best Card for a complimentary cost comparison and receive a $5 Gift Card.

Please fax your current credit card processing statement to 866.717.7247 and they will fax you back a confidential and complimentary cost comparison showing the savings your office will receive. Call for more information:

Ph: 877.739.3952
Fax: 866-717-7247
www.bestcardteam.com

Send high shipping costs packing. Save up to 27% with FedEx.

Move your existing FedEx account into the ADA program and watch the savings add up! Save up to 27%* on select FedEx Express® shipments. Trim 12% on the cost of select FedEx Ground® shipments thanks to ADA member preferred shipping. And that's only the beginning!

ADA members are also eligible to save between 10% and 20% on select copy and print services at more than 1,800 FedEx Office locations nationwide.** Have your office manager take five minutes to call and set up your account today.

1800members.com/ada

800.636.2377

Help patients get the care they want with a variety of payment options.

Offering CareCredit helps patients proceed with care now, instead of putting off care or opting out of elective procedures. CareCredit offers a variety of payment options, allowing patients to spread payments out over time, up to 60 months.

Applying for CareCredit is quick and easy. Patients complete the application right in your office, and submit via Internet, phone, smart phone, or iPad. A decision is provided within seconds, so they can immediately schedule care.

carecredit.com/dental

sign up 800.800.5110

customer service 800.859.9975

Cut down on missed appointments and save nearly $1,000 in the process.

In today's busy world, patients often need to be reminded of their appointments. An automated system from InTouch makes it easy, and works with all PC-based practice management software. To add a personal touch, phone messages are recorded in your voice. All formats—phone, text, and email—allow for patients to confirm they will attend. Flexible options include hardware purchase or monthly call plans.

Sign up today and save nearly $1,000 with ADA member preferred pricing on an InTouch appointment reminder system.

intouchdental.com/ada
877.493.9003

Turn on-hold time into profitable time. InTouch makes it easy.

Why waste valuable time when you put patients on hold? Why not offer a personalized message instead? InTouch Practice Communications’ skilled writers really understand dentistry—and dental patients. They know how to create educational and promotional messages that resonate with patients and support your practice’s professional image.

Receive a free custom demo and save over 20% on the cost of your InTouch system. Purchase includes unlimited message changes, unlimited short program creation, and a full replacement warranty.

intouchdental.com/ada
877.493.9003

VIP treatment, VIP prices on the appliance brands you know and trust.

Whether you're buying for your office or your home, Whirlpool invites you to enjoy substantial savings on a wide selection of appliances—microwaves, dishwashers, washers and dryers, refrigerators, and more—from industry-leading brands such as Whirlpool®, KitchenAid®, Maytag®, Amana®, Gladiator®, and Jenn-Air®.

As an ADA member, you will receive savings of up to 50% on all of them through the VIPLINK™ Program by Whirlpool Corporation. You can also count on VIP treatment all around, including professional delivery and installation options.

partners.whirlpool.com
866.808.9274 
Reference group code ADA5A2775
Only ADA members are eligible.

Apparel for Staff

You want a professional image for your practice. Lands' End makes it easy! We'll help you choose pieces, coordinate colors, or even help you select a logo. Better yet, as an American Dental Association member, you always receive 10% off products and another 10% off embroidery fees. No minimums - ever!

Shop online: ada.landsend.com or call: 800.990.5407

The Dental Record offers Paper and Paperless systems.

DentForms by MedicTalk is software that links to practice management systems and allows digital signing of customizable questionnaires and forms. Patients may complete forms online. This is the final step to become truly paperless.

Patient eForms also allows patients to complete forms online and the office pays per form. Sign up at www.patienteforms.com.

For 25 years The Dental Record offered the best paper products including over forty patient and clinical forms.

Additional information for all products available at www.dentalrecord.com or call us at 800-243-4675.

Online Payroll

SurePayroll – SurePayroll is passionate about dental practices and your payroll. They’re simple, friendly, and affordable!  Just go online at any time, enter your employee hours, and SurePayroll handles the rest, including all taxes, direct deposits, payroll reports and more.

FREE set-up and enrollment ($149 value).
FREE W-2s for the first year.
FREE payroll processing for the first 30 days.
FREE payroll tax filing and reporting.
Risk-free 6-month money-back guarantee.

1-866-535-3592

 www.surepayroll.com/welcome/ada

	Practice Solutions
For more than 20 years, Bank of America Practice Solutions has served the needs of dentists by offering financial products and services to the dental community. Whether you own a practice or are just getting started, we can provide customized financial solutions for your short-term needs and long-term aspirations:
Purchase and Start-Up:	Growth & Restructuring:
• Practice Sales & Purchases • New Practice Start-ups • Commercial Real Estate Products	• Improvement and Expansion Financing • Equipment Financing • Practice Equity Loan Program

In addition to these products, Bank of America Practice Solutions brings you added value with dedicated specialists who are experts in this field and who can provide you with customized solutions for your business. We offer some of the most flexible and competitive terms and benefits in the industry today, backed with the dedicated focus on customer satisfaction for which Bank of America is known worldwide.  If you are interested in learning more about how Bank of America can assist you with the management and growth of your practice, please call us toll free at 1.800.497.6076  Monday through Thursday, 8 a.m. to 8 p.m., and Friday, 8 a.m. to 7 p.m. Eastern and mention code INA0107A or schedule a phone consultation through our secure website.

Quick turnaround. Personal attention. Real solutions.  Click to Apply  

* All programs are subject to credit approval and loan amounts are subject to credit worthiness. Some restrictions may apply.

Bank of America Practice Solutions is a Bank of America Company.
(c) 2012 Bank of America Corporation

Bank of America Practice Solutions Quick Facts          
Phone: 1.800.497.6076
Website: www.bankofamerica.com/practicesolutions