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Kipling Godwin & Associates

Serving the Self-employed, Small Business Owners, Nonprofits, Churches, Individuals & Families in North Carolina, South Carolina & Virginia

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Independence American Dental Insurance


Independence American Dental offers you access to high quality, affordable dental coverage for your entire family.  Coverage is provided for preventive, diagnostic, basic and major dental services.

Exclusive features include:

  • Choice of either our Value or Superior plans
  • Choice of $500 or $1,250 maximum per person
  • No waiting period on the Value Plan
  • Benefits for preventive, diagnostic, basic, and major services
  • Optional OrthoCare available for an additional premium
  • Payment accepted by monthly automatic bank draft and major credit card


Coverage starts on the effective date you select.  Effective dates available for the Independence American Dental plans are the 1st, 8th, 15th or 22nd.  Coverage will begin at 12:00 a.m., following receipt of the electronic Enrollment Form and payment of the first month's premium.


Underwritten by


Independence American Insurance Company (IAIC), is a member of the IHC group. In business since 1973, IAIC domiciled in Delaware and headquartered in New York. IAIC is licensed to conduct business in 18 states and the District of Columbia. Other IAIC insurance products include: Short-Term Health, Employer Medical Stop-Loss, Provider Excess Loss, Small Group Major Medical, and Medical for Individuals and Families. Products availability varies by state.


Administered by


IHC Health Solutions specializes in providing dental plan services for the group and individual dental market nationwide. We are owned by Independence Holding Company a NYSE (IHC) company.

Our Focus is dental administrative services for both fully insured and self funded dental plans for groups of 2 or more as well as individuals. Our expertise is in providing customized plans that meet employers needs while exceeding expectations in customer service.

This site provides a brief description of the benefits, exclusions and other provisions of the policy or certificate Form Master Policy IAIC-ADEN POL 0206. For a complete listing, see the policy or certificate. Benefits may vary in different states. This dental insurance plan may not be available in all state.


Click here to get a FREE quote or enroll online!


What is OrthoCare?



The OrthoCare Orthodontic Discount Program is a program for orthodontic care. When using a contracted OrthoCare Orthodontist, you could save up to 20% on the services performed. This results in meaningful savings when compared to the Usual and Customary (UCR) fees charged by Orthodontists. HIGHLIGHTS No Deductibles No Waiting Periods No Claim Forms No Prior Authorization Required Afordable Rates Coverage for Children and Adults.


Highlights of the OrthoCare:

  • No Deductibles
  • No Waiting Periods
  • No Claim Forms
  • No Prior Authorization Required
  • Affordable Rates
  • Coverage for Children and Adults



The OrthoCare program has been designed to offer orthodontic benefits to both individuals and families, providing benefits for the routine orthodontic treatment for children and adults. Children who are dependents are covered under the family plan up to their 23rd birthday. OrthoCare has no waiting periods before the benefits begin.

Where can I find a list of participating orthodontists?

Visit the American Dental Professional Services website at

*The optional Orthocare Program is not an insurance benefit, nor is it affiliated with Independence American Insurance Company or a part of the Independence American Dental Plan. Note- The OrthoCare Program is not available in the following states: AK, DE, MT, SC, VT or WY. This program is NOT a health insurance policy and the program does not make payments directly to the providers of health services. This program provides discounts at certain locations for health services. The program member is obligated to pay the provider for all the health care services that the member will receive, but the member will receive a pre-negotiated discount from the providers listed in the network, in accordance with the specific pre-negotiated discounted fee schedule. This program does not guarantee the quality of the services or procedures offered by the providers. Discounts vary by provider. The Discount Medical Plan Organization that operates this program is American Dental Professional Services, LLC located at 9054 N. Deerbrook Trail, Milwaukee, WI 53223.


Click here to get a FREE quote or enroll online!


For More Information


If you have questions about our Dental Insurance or any of our insurance products, please contact us at (910) 840-6743 or email