Freedom to choose

Welcome to QCD of America®

QCD of America, Inc. (QCD) has specialized in the delivery of dental and vision benefits/insurance to employer groups and individuals since 1992. We have established a proven track record of innovation and value for our customers.

QCD has a strategic partnership with Independence Holding Company (NYSE:IHC), a $1.3 billion insurance holding company. Madison National Life Insurance Company (A.M. Best Rated A-Excellent), a member company of IHC, underwrites the QCD insurance products. IHC Health Solutions administers the QCD insurance products.

The QCD management team has designed a unique offering providing a full range of benefit choices that renders traditional dental insurance plans obsolete.

• This allows individuals to select the plan design that best fits their needs and the needs of their family members
• This allows employer groups to provide a greater benefit value for their employees
• This allows individuals to select a premium price and out-of-pocket cost level to maximize personal value.

Why has the innovative design of the QCD dental plans made traditional dental insurance obsolete? The reasons are:

• Four choices at time of enrollment - a choice to fit each individual employee's need...
• Highest benefit level in the market today - 100% reimbursement for most services including major care...
• Significantly lower premium costs when compared to traditional insurance plans... It simply makes sense to pay lower costs for higher benefits!
• A low monthly or annual cost - now benefits are affordable for all families...
• No waiting periods for any services - including major care and orthodontics for adults and children...
• No coverage maximums - now you can afford all needed dental care!