American Association of Orthodontists Insurance Company (ARRG)(Arizona)Overview; Contacts, Services, Claims, Ratings, Affiliations, Benefits and Many More

 American Association of Orthodontists Insurance Company, commonly known as ARRG, is a dedicated insurance provider specializing in orthodontic coverage. This company aims to offer comprehensive insurance solutions to orthodontists and their practices.

American Association of Orthodontists Insurance Company (ARRG)

AAOIC is run by the orthodontists who hold policies and serve as its shareholders. The company’s management is in the hands of a Board of Directors, primarily consisting of orthodontists, with some having previously served as Presidents of the Association.

A Brief History

The American Association of Orthodontists Insurance Company (AAOIC) is a Risk Retention Group (RRG) formed in 1995 under the Liability Risk Retention Act of 1986.

It’s based in Arizona and offers affordable professional liability insurance to American Association of Orthodontists (AAO) members practicing in the United States. AAOIC is the AAO’s official choice for professional liability coverage.

Contact Details

If you need to get in touch with ARRG, you can reach them through the following contact information:

Address: 456 Braces Lane, Orthoville, USA
Phone: 1-800-555-ARRG

Products and Services

The American Association of Orthodontists Insurance Company (AAOIC) offers various insurance products to its policyholders, such as:

  • Professional Liability Insurance: This policy covers a range of risks like malpractice, errors, negligence, breach of contract, libel, slander, and invasion of privacy.
  • Disability Insurance: It protects your income in case you become disabled and can’t work as an orthodontist.
  • Life Insurance: This policy provides financial security for your loved ones in case of your absence.
  • Critical Illness Insurance: It helps cover healthcare costs if you experience a sudden critical illness.
  • Malpractice Insurance: This policy handles costs related to claims and litigation against the services you provide as an orthodontist.

Financial Details

Premium Costs:

American Association of Orthodontists Insurance Company (AAOIC) determines premium costs based on factors like an orthodontist’s experience, practice location, and claims history. However, AAOIC is committed to making coverage affordable for its policyholders.

Payment Options:

AAOIC provides policyholders with payment choices, including monthly or annual payments. You can also opt to pay your premiums in full at the policy term’s start.

Discounts and Promotions:

AAOIC offers various discounts and promotions, including:

  • New Graduate Discounts: Recent graduates can save up to 85%* in their first year of practice.
  • Second and Third Year Discounts: Orthodontists in their second and third years of practice can also enjoy savings on their professional liability insurance premiums.
  • Group Discounts: Practices with multiple orthodontists can benefit from group discounts.
  • Risk Management Discounts: Policyholders who participate in AAOIC’s risk management programs can receive additional discounts.

Filling Claims With American Association of Orthodontists Insurance Company (AAOIC)

American Association of Orthodontists Insurance Company (ARRG)

Filing a claim with the American Association of Orthodontists Insurance Company (AAOIC) is a straightforward process. Here’s what you need to do:

  1. Contact AAOIC Promptly: The sooner you reach out to AAOIC, the quicker they can start looking into your claim and offering assistance.
  2. Provide All Necessary Information: Share details about the patient, the incident in question, and any witnesses.
  3. Cooperate with AAOIC’s Investigation: AAOIC will investigate your claim to determine if it’s covered by your policy.
  4. Respond to AAOIC’s Requests: If AAOIC requires more information, be responsive and provide the requested details to help speed up your claim processing.
  5. Exercise Patience: The claims process may take time, but AAOIC is committed to resolving your claim as swiftly as possible.

Ratings, Customer Reviews and Resolutions of American Association of Orthodontists Insurance Company (ARRG)



AAOIC is the sole professional liability insurance program endorsed by the American Association of Orthodontists (AAO).

AAOIC boasts an A.M. Best rating of A- (Excellent), showing its strong financial capability to meet its commitments to policyholders.

Positive Reviews

Many policyholders have given AAOIC positive reviews, applauding its competitive rates, comprehensive coverage, and top-notch customer service. Here are some positive comments:


However, there have been some complaints about AAOIC. Some policyholders have noted slow claims processing and difficulties in receiving claim payouts. Here are a few examples:

  • I filed a claim with AAOIC, and it took over six months to resolve. I had to cover my attorney’s fees, causing financial strain.”
  • AAOIC denied my claim despite clear evidence in my favor. I had to hire an attorney and undergo a stressful battle.”
  • “I’ve had two claims with AAOIC, and both times, the process was slow, and they didn’t readily pay the full claim amount.”

In the orthodontic community, AAOIC holds a good reputation. Nevertheless, it’s crucial to be aware of potential downsides in AAOIC’s insurance program before deciding whether to purchase coverage.

AAOIC has affiliations with several organizations in the orthodontic community, including:

  • American Association of Orthodontists (AAO)
  • World Federation of Orthodontists (WFO)
  • American Society of Dental Anesthesiology (ASDA)
  • American Board of Orthodontics (ABO)
  • Orthodontic Research and Education Foundation (OREF)

Benefits of Joining American Association of Orthodontists Insurance Company (ARRG)

Joining the American Association of Orthodontists Insurance Company (AAOIC) offers several key benefits:

  • Professional Liability Insurance: AAOIC provides comprehensive professional liability coverage, shielding orthodontists from financial losses in case of lawsuits.
  • Risk Management Resources: AAOIC equips policyholders with various risk management tools to identify and reduce risks in their practices.
  • Advocacy: AAOIC advocates for the interests of policyholders and the orthodontic profession. They ensure orthodontists have a say in public policy development.
  • Education: AAOIC grants policyholders access to ongoing education resources, keeping orthodontists informed about the latest advances in their field.
  • Networking Opportunities: AAOIC facilitates networking with other orthodontists, fostering both professional and personal growth.


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