Insurance Coordinators of Montana, Inc.
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Business Partners

Insurance Coordinators sponsors insurance products from several of the most recognized and stable insurance companies in America. All of the companies we have partnerships with must fall within rigid guidelines regarding company strength, financial stability and reserve.

AmericanHealth Value
BlueCross BlueShield of Montana
CJET Consulting
Colorado Bankers Life Insurance
Conseco
Delta Dental
Dental Network of America
Fort Dearborn Life Insurance
International Medical Group
SIA Marketing
Symetra
United Heritage
Unum
USAble Life
VSP

American Health Value
www.americanhealthvalue.com

Formed in 1995, American Health Value, LLC has set the pace in the Medical and Health Savings Account (HSA) marketplace. They were the first independent HSA administrator as well as the first authorized HSA Trust nationwide. Their HSA services include many convenient tools enabling consumers to effectively manage their accounts.


Insurance Coordinators began sponsoring American Health Value’s HSA program in early 2005 in conjunction with the introduction of the BlueCross BlueShield High Deductible Health Plans (HDHP). This product will enable employers offering the HDHP to provide employees with a long term solution to the high cost of health care.


Customer Service

Billing

Claims
American Health Value
671 E Riverpark Lane, Suite 100
Boise, ID 83706
800-914-3248
American Health Value
671 E Riverpark Lane, Suite 100
Boise, ID 83706
800-914-3248
American Health Value
671 E Riverpark Lane, Suite 100
Boise, ID 83706
800-914-3248
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BlueCross BlueShield of Montana
www.bcbsmt.com

BlueCross BlueShield of Montana has been providing health care coverage for Montanans for almost 70 years. As Montana’s largest and oldest health insurance company, their name is linked with exceptional service and cost-effective, innovative products. As a not-for-profit health plan, BlueCross BlueShield’s mission is to help people lead healthier lives.

For over 30 years Insurance Coordinators has been the ancillary products provider for BlueCross BlueShield of Montana, providing benefits that supplement the BCBSMT health plans. We also provide marketing and customer support services for BlueCross BlueShield of Montana’s short term health and dental products.

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CJET Consulting/K&K Consulting

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

Insurance Coordinators signed a strategic partnership mid-2005 with CJET Global Consulting and K&K Consulting for providing a wide range of high quality and affordable travel insurance products to meet the unique needs of our clients. With this partnership, Insurance Coordinators is now able to offer choices to our customers and be awelcomed provider of travel insurance protection.

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Colorado Bankers Life Insurance
www.cbl-life.com

Colorado Bankers Life Insurance Company® (CBL) specializes in voluntary benefits through payroll deduction, federal, postal and military allotments, state and local government payroll systems and individual bank draft billing. Since its founding in 1974, our field partners have worked with thousands of American businesses and sole proprietors to offer reliable payroll deduction based programs that give employees a convenient and affordable way to protect themselves and their families – without cost or obligation to their employers.


Insurance Coordinators in mid-2009 added Colorado Bankers’ disability income and critical illness life insurance products to our individual product portfolio. These products provide additional security to individuals looking for financial assistance in times of crisis.

Customer Service
Billing
Claims
5990 Greenwood Plaza Blvd.
Suite325
Greenwood Village, CO 80111
800-3678-7814
303-220-8056(fax)
5990 Greenwood Plaza Blvd.
Suite325
Greenwood Village, CO 80111
800-3678-7814
303-220-8056(fax)
5990 Greenwood Plaza Blvd.
Suite325
Greenwood Village, CO 80111
800-3678-7814
303-220-8056(fax)

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Conseco Insurance Company
www.conseco.com

Conseco Insurance Company provides, through a network of independent agents, supplemental health and life insurance policies that help protect working Americans when a critical illness, accident or loss of life occurs.

Insurance Coordinators’ partnership with Conseco Insurance Company began in 2010 with the addition of their family of worksite to our individual product portfolio. Products include supplemental accident, cancer, disability income, hospital indemnity, and life insurance to be sold on an individual basis to provide financial assistance for out of pocket costs that major medical insurance may not cover.

Customer Service
Billing/Premiums
Claims/Eligibility
PO Box 1961
Carmel, IN 46082-1961
800-525-7662
PO Box 1961
Carmel, IN 46082-1961
800-525-7662
PO Box 1961
Carmel, IN 46082-1961
800-525-7662
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Delta Dental Insurance
www.deltadentalins.com

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

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
1130 Sanctuary Parkway
Suite 600
Alpharetta, GA 30009
800-521-2651
Membership Services, M/S 12B
PO Box 7564
San Francisco, CA 94120-7564
800-632-8555
Claims Department
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.


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)
www.dnoa.com

Since its inception over 20 years ago, DNoA has delivered high quality dental administration to its customers. It presently employs more than 200 people at three different locations. DNoA's goal is to be the premier dental administrator. The company is authorized to do business in 49 states. Its sole focus on dental administration permits DNoA to deliver top quality service. By partnering with DNoA, an insurance company can capitalize on its marketing and distribution system and enjoy major success in its dental business.


DNOA’s voluntary dental product is Insurance Coordinators’ top selling dental program to date, making Montana one of DNOA’s top producers. The Scheduled Benefit product is available for groups of 2 or more while the R&C product is available for groups of 30 or more. DNOA has no provider network so there are no restrictions on which dentist you see. DNOA is underwritten by Medical 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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Fort Dearborn Life Insurance Company
www.fdl-life.com

Since 1969, Fort Dearborn Life Insurance Company has provided valuable group benefits insurance protection to meet the recruiting needs of employers and the family security needs of employees. Licensed in 50 states, the District of Columbia and both the US 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 as Short-Term and Long-Term Disability programs, Fort Dearborn Life alsooffers dental insurance plans and a selection of fixed Annuities.


Insurance Coordinators has a long-standing partnership with Fort Dearborn Life and sponsors an array of Group and Voluntary Life and Disability products. Fort Dearborn Life is one of three companies in our portfolio that offer life and disability products for groups of less than 10 employees.

Customer Service
Billing/Premiums
Claims
20445 Emerald Parkway, Suite 400
Cleveland, OH 44135
800-544-9000
Membership Processing
36788 Eagle Way
Chicago, IL 60678-1378
800-348-4512
20445 Emerald Parkway, Suite 400
Cleveland, OH 44135
800-782-8533
216-898-0685 (fax)

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International Medical Group (IMG)
www.imglobal.com

IMG is a worldwide leader in designing, distributing and administering global healthcare benefits. Since 1990 they have built a solid reputation by providing medical security to hundreds of thousands of individuals, families and groups in more than 150 countries. Worldwide coverage, multilingual capabilities, international claims specialists and access to IMG from anywhere at anytime – all designed to give you true Coverage Without Boundaries and the confidence you deserve when choosing an international insurance administrator. Plan underwriter is Sirius International.


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SIA Marketing
www.siamarketing.com

SIA Marketing is singularly positioned and strategically committed to national leadership as the pre-eminent long-term care insurance broker, management and advisory company. SIA Marketing has provided LTCI salesforce management & training, LTCI administration & accelerated application processing, and national LTCI advertising & marketingservices since 1979. Their extensive services include flexible underwriting, document imaging, on-line supply fulfillment, agent training, and advertising.

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


Customer Service
931 S 9th Street
Bismark, ND 58504
800-544-5420
701-258-7989 (fax)
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Symetra
www.symetra.com
Symetra Financial is a group of affiliated insurance and financial services companies, including Symetra Life Insurance Company. Symetra Life Insurance Company (est. 1957), has grown to a company with 2 million customers, over 1,200 employees and more than $22 billion in GAAP assets as of December 31, 2004. We work in partnership with 20,000 agents and advisors who are dedicated to serving the needs of their clients. Together, we provide annuities, life insurance, group employee benefits and retirement plans to customers throughout the United States.

This indemnity-type product was added to Insurance Coordinators’selection to provide customized medical benefits packages for groups of 50 or more.


Customer Service
Billing
Claims/Eligibility
Select Benefit 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)
Select Benefit Administrators
PO Box 440
Ashland, WI 54806
800-497-3699
715-682-5919 (fax)
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United Heritage
www.unitedheritage.com

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

Insurance Coordinators' partnership with United Heritage formed in mid-2003. The marketing focus initially was to introduce the Final Expense product in Montana. Since then, we havebeen introducing their competitive group and voluntary life and disability products to our customers in the West.

Customer Service
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
www.unum.com

Unum has the privilege of protecting the incomes of more than 25 million people around the world through industry-leading income protection plans, and of serving the needs of millions more through related life, long term care and supplemental insurance programs. By offering a range of insurance solutions specifically designed for the needs of our customers, we help individuals and families balance their work and personal lives, protect their incomes and assets from the financial effects of injury or illness, and return to work after an absence.

Unum has a strong presence in Insurance Coordinators’ marketing area, with a partnership being formed in 2001. Their life, disability and long term care products provide Insurance Coordinators with competitive, comprehensive benefits that enable employers to design attractive benefit packages containing life, disability and long term care.

Customer Service
Billing
Claims
1111 3rd Avenue, Suite 2850
Seattle, WA 98101
800-421-0344
206-625-8686 (fax)
1111 3rd Avenue, Suite 2850
Seattle, WA 98101
800-421-0344

1111 3rd Avenue, Suite 2850
Seattle, WA 98101
800-874-7481
207-575-7133 (fax)
   
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USAble Life
www.usablelife.com

USAble Life was chartered to write life, accident, and disability insurance in December1980 and has grown to become the premier life insurer in Arkansas with over $180 million in assets and over $77 million in total revenue for 2003. USAble Life is a financially strong life insurance company offering a full line of group and individual products sold at the worksite to meet the needs of employers and employees. The company insures over 653,000 individuals, is admitted in 48 states plus theDistrict of Columbia, and has over $10.4 billion of insurance in-force.

Insurance Coordinators’partnership with USAble resulted in the addition of employer-sponsored, marketplace-favorite individual products such as Accident and CancerCare Elite, as well as adding another life and disability option to our product selection.

Customer Service
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)
www.vsp.com

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


VSP became part of Insurance Coordinators’portfolio in 2003 and is not our premier vision product. VSP’s generous allowances, ease of use, and nationwide provider network have contributed to make it a popular vision product for Insurance Coordinators. The group and voluntary products are marketing to any size groups. Insurance Coordinators administers all enrollment and billing for this product.


Membership Services
Billing/Enrollment
Claims/Eligibility
VSP Membership
3333 Quality Drive
Rancho Cordova, CA 95670
800-877-7195
Insurance Coordinators
55 West 14th Street, Suite 101
Helena, MT 59601
866-499-9777
VSP Claims
PO Box 997105
Sacramento, CA 95899-7105
800-877-7195

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Insurance Coordinators' partnerships with several major companies provide the best mix of products available for employers.

For the latest AM Best ratings, please visit www.ambest.com