Insurance Coordinators of Montana, Inc.
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Business Partners

Insurance Coordinatorssponsors insuranceproducts from several of the most recognized and stable insurancecompanies in America. All of the companies we have partnerships withmust fall within rigid guidelines regarding company strength, financialstability and reserve.

AmericanHealth Value
Assurity
CJET Consulting
Delta Dental
Dental Network of America
Employee Benefit Resources
Fort Dearborn Life Insurance
HealthServe
International Medical Group
Mountain Vision
SIA Marketing
Symetra
The Benefit Group
United Heritage
Unum
USAble Life
VSP

American Health Value

Formed in 1995,AmericanHealth Value, LLC has set the pace in the Medical and Health SavingsAccount (HSA) marketplace. They were the first independent HSAadministrator as well as the first authorized HSA Trust nationwide.Their HSA services include many convenient tools enabling consumers toeffectively manage their accounts.

AM Best Rating
NotApplicable
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Insurance Coordinators began sponsoring American HealthValue’sHSA program in early 2005 in conjunction with the introduction of theBlueCross BlueShield High Deductible Health Plans (HDHP).

CustomerService
American Health Value
671 E Riverpark Lane, Suite 100
Boise, ID 83706
800-914-3248
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Assurity Life Insurance Company

In 1997, theAssurityLife Insurance Company was formed as a subsidiary of Woodmen Accidentand Life. In 2000 the two companies were united with the century-oldLincoln Direct Life Insurance Company, comprising the Lincoln InsuranceGroup. The union resulted in assets exceeding $1 billion and the sharedtraditions of integrity, financial accountability and service topolicyholders that had characterized each individual company. Excellentservice, favorable investment returns and low net costs to policyowners ensure that Assurity Life Insurance Company will continue tohelp provide financial security to you, your family or your business.

AM Best Rating
A-(Excellent)
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Insurance Coordinators sponsors Assurity at Work’s AccidentandHospital Indemnity products. These products are designed to be sold ona voluntary basis to supplement comprehensive medical plans or toprovide affordable Accident and Hospital coverage for individuals orgroups.

CustomerService
Billing
Claims
Assurity at Work
PO Box 80926
Lincoln, NE 68501-0926
866-289-7337
Assurityat Work
PO Box 80926
Lincoln, NE 68501-0926
866-289-7337
Assurity at Work
PO Box 80926
Lincoln, NE 68501-0926
866-289-7337
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CJET Consulting/K&K Consulting

CJET GlobalConsultingand K&K Consulting are Insurance Coordinators’general agentfor travel insurance. Their focus is serving the needs of theinternational traveler with products that will meet their unique needs.The area of greatest risk and concern to most international travelersis emergency assistance, evacuation and repatriation. BETA is theproduct of choice for the most basic set of travel insuranceneeds…24 hours per day, 7 days per week emergency medicalandlegal assistance, evacuation, and repatriation protection.

AM Best Rating
NotApplicable
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Insurance Coordinators signed a strategic partnership mid-2005 withCJET Global Consulting and K&K Consulting for providing a widerange of high quality and affordable travel insurance products to meetthe unique needs of our clients. With this partnership, InsuranceCoordinators is now able to offer choices to our customers and be awelcomed provider of travel insurance protection.
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Delta Dental Insurance Company

Delta DentalInsuranceCompany and its marketing affiliates provide dental insurance to morethan 1 million enrollees in 10 states. Since 1970, the privateinsurance company has offered innovative programs designed to controlcosts and ensure quality care. With its main offices in Alpharetta,Georgia, Delta Dental Insurance Company currently employs more than 200people and has field offices in Alabama, Florida, Louisiana,Mississippi, Nevada, Texas and Utah. Delta Dental Insurance Company isa member of the national Delta Dental Plans Association, which coversmore than 132,000 dental offices.

AM Best Rating
A-(Excellent)
 
Standard& Poor’s
Rating

A+ (Very strong)
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Group Dental: Insurance Coordinators has partnered with Delta Dental Insurance Company and developed an R&C group dental product with pooled rates for groups of 5 to 250. Benefits for groups larger than 250 can also be quoted out of the Delta Dental home office. A provider network is available but out-of-network services are covered at levels similar to in-network services.


Customer Service
Billing/Premiums
Claims/Eligibility
1000Mansell Exchange West
Building 100, Suite 100
Alpharetta, GA 30022
800-521-2651
Membership Services, M/S 12B
PO Box 7564
San Francisco, CA 94120-7564
800-632-8555
ClaimsDepartment
PO Box 1809
Alpharetta, GA 30023-1809
800-510-9915

Individual Dental: New in 2008, Insurance Coordinators, in partnership with Delta Dental Insurance Company, has developed an individual dental product ideal for individuals, small employers, and senior citizens. This product is available exclusively through on-line enrollment. Two provider networks are available but out-of-network services are covered at levels similar to in-network services.

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Customer Service
Billing/Premiums
Claims/Eligibility

MWG Benefits
Wendy Thomas
5722 I-55 N Frontage Rd
Jackson, MS 93211
800-800-1397, ext. 104

MWG Benefits
Jane Williams
5722 I-55 N Frontage Rd
Jackson, MS 93211
800-800-1397, ext. 158
Delta Dental Insurance Company
Claims Department
PO Box 1809
Alpharetta, GA 30023-1809
800-510-9915
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Dental Network of America (DNOA)

Since its inceptionover20 years ago, DNoA has delivered high quality dental administration toits customers. It presently employs more than 200 people at threedifferent locations. DNoA's goal is to be the premier dentaladministrator. The company is authorized to do business in 49 states.Its sole focus on dental administration permits DNoA to deliver topquality service. By partnering with DNoA, an insurance company cancapitalize on its marketing and distribution system and enjoy majorsuccess in its dental business.

AM Best Rating
A(Excellent)
 
Standard& Poor’s
Rating

A (Strong)
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DNOA’svoluntary dentalproduct is Insurance Coordinators’ top selling dental programtodate, making Montana one of DNOA’s top producers. TheScheduledBenefit product is available for groups of 2 or more while theR&Cproduct is available for groups of 30 or more. DNOA has no providernetwork so there are no restrictions on which dentist you see. DNOA isunderwritten by Fort Dearborn Life Insurance Company.

Customer Service
Billing
Claims
DNOA
2 Transam Plaza Drive,
Suite 500
Oakbrook Terrace, IL 60181
800-820-9994
Fort Dearborn Life c/o DNOA
75 Remittance Drive,
Suite 1652
Chicago, IL 60675-1652
800-820-9994
DNOA
PO Box 23060
Belleville, IL 62223
800-820-9994
618-222-6333 (fax)
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Employee Benefit Resources (EBR)

Employee BenefitResources, LLP helps organizations design and administer employeebenefit plans to attract, reward, and retain the best employees andenhance performance and motivation. As a full-service consulting firm,EBR tailors employee benefit services and human resource strategies tomeet the specific needs of each organization.


AM Best Rating
NotApplicable
 

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InsuranceCoordinators haspartnered with EBR with the aim of offering our combined services tolarger groups and associations. Insurance Coordinators also facilitatesthe offering of the EBR Flexible Spending Account (FSA) plans tosmaller groups.

CustomerService
Billing
Claims
828 Great Northern Blvd
PO Box 1193
Helena, MT 59624-1193
800-765-9429
406-442-5089 (fax)
828 Great Northern Blvd.
PO Box 1193
Helena, MT 59624-1193
800-765-9429
406-442-5089 (fax)
828 Great Northern Blvd.
PO Box 1193
Helena, MT 59624-1193
800-765-9429
406-442-5089 (fax)
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Fort DearbornLife Insurance Company

Since 1969, FortDearbornLife Insurance Company has provided valuable group benefits insuranceprotection to meet the recruiting needs of employers and the familysecurity needs of employees. Licensed in 49 states (except New York),the District of Columbia and both the U.S. and British Virgin Islands,Fort Dearborn Life proudly ranks among the top group life companies inthe nation. A top provider of other group benefit products such asShort-Term and Long-Term Disability programs, Fort Dearborn Life alsooffers Dental insurance plans and a selection of fixed Annuities.

AM Best Rating
A+(Superior)
 
Standard& Poor’s
Rating
A+ (Strong)
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Insurance Coordinators has a long-standing partnership with MedicalLife and sponsors an array of Group and Voluntary Life and Disabilityproducts. Medical Life is one of two companies in our portfolio thatoffer life and disability products for groups of less than 10 employees.

CustomerService
Billing/Premiums
Claims
20445 Emerald Parkway
Suite 400
Cleveland, OH 44135
800-544-9000
MembershipProcessing
36788 Eagle Way
Chicago, IL 60678-1378
800-348-4512
20445 Emerald Parkway,
Ste. 400
Cleveland, OH 44135
800-782-8533
216-898-0685 (fax)
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HealthServe

HealthServeprovidesbilling and COBRA administration functions for trade associations andemployers looking to streamline benefits administration throughoutsourcing. Healthserve offers a consolidated billing process, so evenif you have multiple plans and services your organization is payingonly one bill and dealing with one contact. HealthServe COBRAadministration relieves employers from having to keep up with the everchanging federal regulations related to COBRA.

AM Best Rating
NotApplicable
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Insurance Coordinators and HealthServe’s relationship beganin2004 when Insurance Coordinators products were placed in the State BarAssocation and State Bankers Association. Since that timeHealthServe’s billing and COBRA administration services havebeenplaced in several Insurance Coordinators groups. The knowledge andexperience HealthServe provides streamlines and simplifies benefitsadministration for employers.

CustomerService
1North Last Chance Gulch
Helena, MT 59601
(406) 443-0520
(406) 443-7850
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International Medical Group (IMG)
Travel Accident Insurance


IMG is a worldwideleaderin designing, distributing and administering global healthcarebenefits. Since 1990 they have built a solid reputation by providingmedical security to hundreds of thousands of individuals, families andgroups in more than 150 countries. Worldwide coverage, multilingualcapabilities, international claims specialists and access to IMG fromanywhere at anytime – all designed to give you true CoverageWithout Boundaries and the confidence you deserve when choosing aninternational insurance administrator. Plan underwriter is SiriusInternational.
AM Best Rating
NotApplicable
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Mountain Vision

The Edmonds Group is a health care company specializing in eye care.REDS Administration, the regional eye care delivery system, has beendesigning and administering creative ancillary health programs since1985. The hallmark of the product offering that REDS sponsors isdoctor-driven programs. The Mountain Eye Care Network is owned by theEye Care Providers of the States of Montana and Idaho. The Network waschartered in Montana on December 6, 1996 and has since grown to coverthe entire state. Idaho joined the network in May of 1999 and iscurrently conducting a state-wide recruitment campaign.

AM Best Rating
NotApplicable
 

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Insurance Coordinators has been selling the Mountain Vision product inMontana since 2001.This voluntary vision product can be sold to groupsor individuals under one year or two year contract periods.

CustomerService
Billing
Claims/Eligibility
25 North 8th Street, Suite 1
Lewisburg, PA 17837
800-977-0436
570-523-6345 (fax)
25North 8th Street, Suite 1
Lewisburg, PA 17837
888-515-1573
25 North 8th Street, Suite 1
Lewisburg, PA 17837
888-515-1573
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SIA Marketing

SIA Marketing issingularly positioned and strategically committed to nationalleadership as the pre-eminent long-term care insurance broker,management and advisory company. SIA Marketing has provided LTCI salesforce management & training, LTCI administration &acceleratedapplication processing, and national LTCI advertising &marketingservices since 1979. Their extensive services include flexibleunderwriting, document imaging, on-line supply fulfillment, agenttraining, and advertising.

Insurance Coordinators teamed with SIA Marketing in mid-2005, adding 2more Long Term Care providers, John Hancock and GE Capital (Genworth)Financial Company, to our long term care portfolio, which also includesMedAmerica. These companies were chosen based on flexible products,underwriting success, name recognition within the industry, high levelof service and their financial stability and industry ratings. SIAexcels at supporting LTCI sales and administration with on-line ratingtechnology, assuring the highest level of underwriting success, and isnationally recognized for outstanding customer service.


AM Best Rating
  SIAMarketing: NA
GECapital: A+
JohnHancock: A++
MedAmerica:A-
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CustomerService
931 S 9th Street
Bismark, ND 58504
800-544-5420
701-258-7989 (fax)
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Symetra

Symetra Financial is agroupof affiliated insurance and financial services companies, includingSymetra Life Insurance Co. Symetra Life Insurance Co. (est. 1957), hasgrown to a company with 2 million customers, over 1,200 employees andmore than $22 billion in GAAP assets as of December 31, 2004. We workin partnership with 20,000 agents and advisors who are dedicated toserving the needs of their clients. Together, we provide annuities,life insurance, group employee benefits and retirement plans tocustomers throughout the United States.

This indemnity-type product was added to InsuranceCoordinators’selection to provide customized benefits packages for groups of 50 ormore.


AM Best Rating
A(Excellent)
 

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CustomerService
Billing
Claims/Eligibility
Select Benefit Administrators
PO Box 440
Ashland, WI 54806
800-497-3699
715-682-5919 (fax)
SelectBenefit Administrators
PO Box 440
Ashland, WI 54806
800-497-3699
715-682-5919 (fax)
Select Benefit Administrators
PO Box 440
Ashland, WI 54806
800-497-3699
715-682-5919 (fax)
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The Benefit Group (TBG)

The Benefit Group, Inc.isa third party administrator located in Omaha, Nebraska. We are knownfor our flexibility and excellent customer service and offer a widearray of services to employer groups of 25 or larger. While themajority of our business is concentrated in the Midwest, we currentlyhave clients in 17 states, and employees live in nearly every state.


AM Best Rating
NotApplicable
 

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Insurance Coordinatorspartnered with TBGin 2003, whose services are marketed to groups interested in flexiblespending accounts or premium only plans. Their web-based services areaccessible for both the employer and employee.

CustomerService
Billing
Claims
10675 Bedford Avenue
Omaha, NE 68134
402-964-9900
800-333-8602
913-789-4600 (Flex Hotline)
402-492-8082 (fax)
10675 Bedford Avenue
Omaha, NE 68134
402-964-9900
800-333-8602
913-789-4600 (Flex Hotline)
402-492-8082 (fax)
10675 Bedford Avenue
Omaha, NE 68134
402-964-9900
800-333-8602
913-789-4600 (Flex Hotline)
402-492-8082 (fax)
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United Heritage

Licensed in 23 western states, United Heritage Life has enjoyed a longhistory as the largest insurer headquartered in Idaho. United HeritageLife offers a wide array of life insurance and annuity productsincluding individual life insurance, individual qualified andnon-qualified fixed annuities, and group employee benefits such as lifeand disability income.


AM Best Rating
A-(Excellent)
 

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United Heritage is ournewestpartnership, formed in mid-2003. The marketing focus initially was tointroduce the Final Expense product in Montana. Since then, we havebeen introducing their competitive group and voluntary life anddisability products to our customers in the West.

CustomerService
Billing
Claims
PO Box 7777
Meridian, ID 83680-7777
208-493-6100
800-657-6351
800-240-9734 (fax)
PO Box 7777
Meridian, ID 83680-7777
208-493-6100
800-657-6351
800-240-9734 (fax)
PO Box 7777
Meridian, ID 83680-7777
208-493-6100
800-657-6351
800-240-9734 (fax)
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Unum

Unum has theprivilege of protecting the incomes of more than 25 million peoplearound the world through industry-leading income protection plans, andof serving the needs of millions more through related life, long termcare and supplemental insurance programs. By offering a range ofinsurance solutions specifically designed for the needs of ourcustomers, we help individuals and families balance their work andpersonal lives, protect their incomes and assets from the financialeffects of injury or illness, and return to work after an absence.

AM Best Rating
A-(Excellent)
 
Standard& Poor’s
Rating

BBB+ (Good)
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Unum has astrong presence inInsurance Coordinators’ marketing area, with a partnershipbeingformed in 2001. Their life, disability and long term care productsprovide Insurance Coordinators with a competitive, comprehensivebenefit packages that enable employers to design attractive benefitpackages containing life, disability and long term care.

CustomerService
Billing
Claims
1111 3rd Avenue, Suite 2300
Seattle, WA 98101
800-421-0344
206-625-8686 (fax)
1111 3rd Avenue, Suite 2300
Seattle, WA 98101
800-421-0344

1111 3rd Avenue, Suite 2300
Seattle, WA 98101
800-874-7481
207-575-7133 (fax)
   
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USAble Life

USAble Lifewaschartered to write life, accident, and disability insurance in December1980 and has grown to become the premier life insurer in Arkansas withover $180 million in assets and over $77 million in total revenue for2003. USAble Life is a financially strong life insurance companyoffering a full line of group and individual products sold at theworksite to meet the needs of employers and employees. The companyinsures over 653,000 individuals, is admitted in 48 states plus theDistrict of Columbia, and has over $10.4 billion of insurance in-force,as of December 31, 2003.

AM Best Rating
A(Excellent)
 
Standard& Poor’s
Rating

A (Strong)
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InsuranceCoordinators’partnership with USAble resulted in the addition of employer-sponsored,marketplace-favorite individual products such as Accident Guard andCancerCare, as well as adding another life and disability option to ourproduct selection.

CustomerService
Billing/Premiums
Claims
320 W Capital Avenue, Suite 700
Little Rock, AR 72201
800-370-5856 (Call Center)
800-648-0271
Customer Accounts
PO Box 1861
Little Rock, AR 72203-1861
800-648-0271
PO Box 1650
Little Rock, AR 72203-1650
501-375-7200
800-648-0271
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Vision Service Plan (VSP)

As the nation’slargest provider of exceptional eyecare coverage, more than one in 10Americans rely on VSP for eyecare wellness. VSP was founded inSeptember of 1955 in Oakland, CA. Its headquarters are in RanchoCordova, a suburb of Sacramento. VSP has a network of thousands ofdoctors, located in rural and metropolitan areas throughout the nation.Our doctor network is so comprehensive, that more than ninety percentof members have access to a VSP doctor within ten miles of work andhome. VSP doctors provide both eye exams and eyewear, making for aconvenient "one-stop" means of obtaining eyecare benefits.

AM Best Rating
A(Excellent)
 

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VSP is InsuranceCoordinators’newest vision product, introduced in 2003. VSP’s generousallowances, ease of use, and nationwide provider network havecontributed to make it a popular vision product for InsuranceCoordinators. The group and voluntary products are marketing to anysize groups. Insurance Coordinators administers all enrollment andbilling for this product.

MembershipServices
Billing/Enrollment
Claims/Eligibility
VSP Membership
3333 Quality Drive
Rancho Cordova, CA 95670
800-877-7195
Insurance Coordinators
101 N Last Chance Gulch, Suite A
Helena, MT 59601
866-499-9777
VSP Claims
PO Box 997105
Sacramento, CA 95899-7105
800-877-7195

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InsuranceCoordinators' partnerships with several major companies provide thebest mix of products available for employers.

For the latestAM Best ratings, please visit www.ambest.com