Bay Dental

Welcome to the IHC Health Solutions Advantage

"To serve our representatives with competitive products and pricing while exceeding customer service expectations." - IHC Health Solutions Mission Statement

Service

Our customer-based service is truly outstanding, with industry leading turn-around times for all aspects of our business. We provide policyholders with timely and accurate billing statements and providers with speedy payments, which results in satisfied customers.

Dental Specialists

IHC Health Solutions has over 27 years experience as a marketer and administrator of dental benefits. We have a proven history of success and are very proud of what we have accomplished. We believe in a process of continuous improvement and constantly seek ways to enhance our suite of products and services.

Accessibility

Our entire staff and management team is always very accessible and eager to answer your questions. Our claims department is open extended hours to serve you as well. You will be able to access a member of our staff in all departments most times during regular business hours or you will receive a returned phone call in a timely manner.

Satisfaction

We have proven that by combining the skill and knowledge of staff members who truly care with expertise of representatives who also care, we can achieve the highest level of customer service and ultimately, customer satisfaction. Our goal is to have 100% of our customers satisfied with their IHC experience.

Dental insurance Underwritten By

Madison National Life Insurance Company, Inc. (MNL) is a wholly owned subsidiary of Independence Holding Company (NYSE: IHC), a Stamford, Connecticut financial holding company with principal interests in life and health insurance. At November 2009, IHC had consolidated assets of more than $1.3 billion. MNL has a "excellent " rating of A- by A.M. Best Company, a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet their obligations to their insureds.

Plans Administered By

IHC Health Solutions, Inc. (IHC Health Solutions) performs all of the dental plan administration and customer service on behalf of MNL. IHC Health Solutions, Inc. is also proud to be a member of the IHC Group.

Standard Security Life Insurance Company of New York Standard Security Life Insurance Company of New York is the insurer for health and life insurance benefits described in this brochure. Standard Security Life Insurance Company of New York, a member of The IHC Group, is rated A- (Excellent) by A.M. Best Company, a widely recognized rating agency that rates the relative financial strength of insurance companies and their ability to meet policyholder obligations.

The IHC Group The IHC Group is an insurance organization composed of Independence Holding Company (NYSE: IHC), its operating subsidiaries and affiliates. With more than $1.3 billion in assets (as of November 2009), The IHC Group serves more than one million customers through its operating companies, which include three A- (Excellent) A.M. Best-rated insurance carriers, third-party administrators, managing general underwriters and marketing organizations. The IHC Group has been providing life, health and stop-loss insurance solutions for more than 25 years.