Insurance solutions for AAO member orthodontists in all career paths
Unsure of the coverage you need?
Explore your options.
The field of orthodontics has several potential pathways an orthodontist’s career might take. You may work for a practice, own your own practice, join a group practice, join a OSO or DSO or find that you’ve worked in a combination of these paths by the end of your career.
The AAO-Endorsed Insurance Program can help support your insurance needs through the evolution of your career—whatever path you take.
Insurance for OSO or DSO-employed orthodontists
OSOs and DSOs can offer stability, support and even benefits like health, life and disability insurance. As with all employer-sponsored insurance coverage, it is important to determine if the offered coverage fully meets your insurance needs.
You may want to supplement your employer-sponsored insurance if:
• You want consistent coverage regardless of your carrier path status
• Your employer’s offerings have reduced monthly options
• Your employer’s offerings have requirements that could reduce your benefits
The AAO-Endorsed Insurance Program can help supplement your employer-sponsored policies with:
• Group Disability Income insurance*—Receive enhanced benefits like own-occupation definition of disability, cost of living adjustment benefits, future purchase options and more.
• Group Term Life insurance*—Select the best option for you, whether it be 10- or 20-year Group Level Term Life insurance or Group Term Life insurance. We offer multiple coverage options, accelerated death benefits, spouse and dependent coverage
Insurance for practice owners
As a practice owner, you have many responsibilities to your business, your employees and your patients. Luckily, there is insurance to help support you.
For your practice
To protect your brick and mortar and general practice operations, you need additional coverage as a business owner. For incidents like cyber attacks, slips and falls, equipment malfunction, harassment claims and more, the AAO-Endorsed Insurance Program offers policies to address the risks your practice faces.
• Business Owner’s Policy—Suggested for all practice owners.
• Workers’ Compensation—Suggested for practices with employees.
• Cyber Liability—Suggested for all practice owners.
• Business Overhead Expense*—Suggested for small group and private practices.
• Employment Practices Liability— Suggested for practices with employees.
For yourself
As a business owner and orthodontist, you and your loved ones likely rely heavily upon the success of your business and career. The right insurance can help you secure a loan to purchase your practice and help protect your financial stability and that of your loved ones.
• Group Disability Income insurance*—for all practice owners.
• Group Level Term Life insurance*—for all practice owners.
Insurance for private practice associates
With all employer-sponsored insurance coverage, it is important to determine if the offered coverage fully meets your insurance needs.
You may want to supplement your employer-sponsored insurance if:
• You want consistent coverage regardless of your career path
• Your employer’s offerings have reduced monthly options
• Your employer’s offerings have requirements that could reduce your benefits
The AAO-Endorsed Insurance Program can help supplement your employer-sponsored policies with:
• Group Disability Income insurance*—Receive enhanced benefits like own-occupation definition of disability, cost of living adjustment benefits, future purchase options and more.
• Group Term Life insurance*—Select the best option for you, whether it be 10- or 20-year Group Level Term Life insurance or Group Term Life insurance. We offer multiple coverage options, accelerated death benefits, spouse and dependent coverage
Contact us
If you have any questions about obtaining or servicing your insurance, please complete this form or call us at (844) 893-9888.
Phones are answered Monday through Friday, 7 AM to 5:30 PM (CST).
