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Accident, Critical Illness, Hospital Indemnity & more...

Supplemental Insurance Plans

Our Supplemental Insurance plans are designed to provide additional coverage for unforseen medical expenses, ensuring you have the financial support needed during challenging times.

These plans include:

• Accident Insurance:
  Provides financial support for medical expenses resulting from accidental injuries, helping cover costs such as deductibles and coinsurance that may not be fully covered by your primary insurance.
• Critical Illness Insurnace:
  Offers a lump-sum benefit if you are first diagnosed with a serious illness such as heart attack, stroke, or life-threatening cancer. This coverage helps manage healthcare costs and other associated expenses during recovery.
• Hospital Indemnity Insurance:
  Assists with covering hospital expenses by providing cash benefits for hospital stays and other covered medical services not fully covered by standard insurance plans.
• Term Life Insurance:
  Ensures financial security for your family in the event of your passing, providing them with funds to cover expenses such as mortgage payments, education costs, and daily living expenses.

To enroll in our Supplemental Plans, membership in an Association, such as UBA (United Business Association) or HAA (Healthy America Association), is required. Membership allows you to access group insurance options tailored to your needs.

All of the Supplemental Insurance Plans require membership in an Association (UBA or HAA). As a member of the association group, you can add the supplemental group insurance to your membership. For the insurance underwriting carrier, the full details of the plan, terms, conditions, limitations and exclusions, review the Certificate of Insurance. If there are any discrepancies between the descriptions above or below, the Certificate of Insurance will govern.

Note: Only currently marketed plans are listed below. If you enrolled in a plan not listed here or prior to 12/1/24, please review the Member Portal for your plan's full details.

Group Dental, Group Vision, & Individual Vision Insurance

Dental & Vision Plans

Our Dental Insurance plans provide coverage for a range of dental services, including preventive, basic, and major procedures. These plans are designed to support your oral health needs by covering regular check-ups and various dental expenses. Be sure to consult the policy and certificate of insurance for specific terms, conditions, limitation, and exclusions that may apply.

Our Vision Insurance plans offer valuable savings on essential vision care. Members can benefit from annual comprehensive eye exams, a generous allowance for frames, and discounts on lens enhancements, ensuring that your vision needs are met affordably.

All of the Group Dental & Vision Plans require membership in an Association (UBA). As a member of the association group, you can add the supplemental group insurance to your membership. VSP Individual Vision Plan does not require membership in the association (UBA). For the insurance underwriting carrier, the full details of the plan, terms, conditions, limitations and exclusions, review the Certificate of Insurance. If there are any discrepancies between the descriptions above or below, the Certificate of Insurance will govern.

Note: Only currently marketed plans are listed below. If you enrolled in a plan not listed here or prior to 12/1/24, please review the Member Portal for your plan's full details.

Telehealth, Doctor Office & Urgent Care Visits, Vitamins & more...

Benefit Boost Plans

Start boosting your savings today with Benefit Boost Subscription Plans. These a la carte health and wellness services offer members a flexible way to access savings on essential services and procucts, ensuring your well-being is supported. Here are some of the options availble:

• Virtual Care:
  Benefit Boost provides access to telehealth services, allowing you to consult with healthcare professionals from the comfort of your home. This service is ideal for non-emergency medical issues and can help you save time and money on doctor visits.
• Doctor Office & Urgent Care Visits:
  For doctor office and urgent care visits, healthcare becomes hassle-free and more affordable with low access fees.
• Dental Discounts:
  Get access to significant savings on dental care services, including routine check-ups, cleanings and more extensive procedures. With Benefit Boost, maintaining your oral health is both easy and economical.
• Adult Multi-Vitamins:
  Keep your health in check with free adult multi-vitamins. These supplements support your nutritional needs, helping you maintain a balanced diet and overall wellness.
• Prescription Discounts:
  Save on prescription medications with exclusive discounts available through Benefit Boost. This service helps reduce the cost of necessary prescriptions, ensuring you have afford the medications you need.
• Additional Services:
  Enjoy other additional services available in our comprehensive Benefit Boost 1.0 or 2.0 plans.

All of the Benefit Boost Subscription plans are not insurance. Association Membership or any insurance plan is not required to enroll in these stand-alone non-insurance plans.

Note: Only currently marketed plans are listed below. If you enrolled in a plan not listed here or prior to 12/1/24, please review the Member Portal for your plan's full details.

Business, Health, & Lifestyle Services

Association Membership Plans

Joining an association can open doors to a multitude of benefits tailored to meet the needs of small business owners, employees, or individuals interested in enhancing their quality of life. Here's how association memberships can be beneficial:

• United Business Association (UBA):
  If you're a small business owner or employee seeking business and lifestyle services, UBA offers a comprehensive suite of benefits and services. This association is designed to support your professional and personal growth, providing resources that can help you succeed.
• Healthy America Association (HAA):
  HAA is dedicdated to members who are passionate about living healthier lives. With a focus on providing educational information about healthy lifestyles and discounts on related benefits and services, HAA is perfect for those looking to enhance their well-being.

Advantages of Association Membership:

• Group Purchasing Power:
  Associations leverage their collective purchasing power to offer benefits and services that match those available to larger groups. This means members can acces more comptitive pricing and enhanced services that might otherwise be unavailable to individuals or small businesses.
• Non-Insurance Benefits:
  While association members are not insurance, they are often required to access supplemental group insurance plans. However, you are not obligated to purchase any insurance or additional plans to become a member. This flexibility allows you to choose the benefits that best suit your needs without unneccesary commitments.

In summary, association memberships serve as a gateway to valuable benefits and services, empowering members to improve their business operations and personal lifestyles. Whether you choose UBA or HAA, you'll find a supportive community and resources to help you thrive.

The Association Memberships are not insurance. Any supplemental group insurance plan requires an association membership to enroll. You do not have to purchase any group insurance or other plans in order to enroll in the Association.

Comprehensive Major Medical Plans

Affordable Care Act (ACA) Plans

HealthyAmerica is committed to providing our members with access to comprehensive major medical plans that ensure you and your family are covered for a wide range of healthcare needs. Among these offerings, the Affodable Care Act (ACA) plans stand out for their extensive coverage and affordability.

Open Enrollment for ACA plans is available from November 1st through January 15th. During this period, individuals and families can explore a variety of Marketplace insurance options designed to suit diverse healthcare needs and financial circumstances.

Key Features of ACA Plans

• 10 Essential Health Benefits:
  All ACA Marketplace plans cover a comprehensive set of health services including:
  - Emergency services
  - Hospitalization
  - Laboratory Services
  - Mental Health and more...
• Preventive Services:
  Enjoy preventive health services at no additional cost when you visit a doctor or provider within your plan's network. This includes routine check-ups, immunizations, and screenings.
• Pre-Existing Conditions Coverage:
  ACA plans are required to cover pre-existing conditions, ensuring that you receive the necessary care regardless of your health history.
• Financial Assistance:
  Most individuals and families qualify for savings based on their expected household income for the year. These savings are designed to make healthcare more accessible and affordable.
• Special Enrollment Periods:
  Outside of the Open Enrollment period, you may still qualify for a special enrollment period if you experience certain life changes, such as marriage, childbirth, or loss of other health coverage.

For more detailed information about ACA plans and enrollment, please use the form below. Our team at HealthyAmerica is available to assist you with any questions and help guide you through the enrollment porcess to ensure you find the best plan for your needs.

ACA coverage can only be enrolled during Open Enrollment each year (unless you have a life change or income that qualifies for a special enrollment period.) For details about Affordable Care Act, you can visit Healthcare.gov.

Over 65 Plans

Medicare Supplement Plans

Navigating healthcare needs as you age can be complex, but HealthyAmerica is here to help make the process simpler and more manageable. We offer specialized plans designed to support individuals over 65, providing peace of mind and comprehensive coverage.

For those entering their goldn years, maintaining health and financial stability is crucial. Medicare Supplement Plans, often referred to as Medigap, are designed to fill the gaps in original Medicare coverage, helping to cover costs such as copayments, coinsurance, and deductibles. Here are some key benefits:

• Comprehensive Coverage:
  Medicare Supplement plans provide additional coverage for services not fully covered by Original Medicare, ensuring you have access to the care you need without unexpected expenses.
• Choice of Providers:
  With a Medicare Supplement plan, you have the flexibility to choose any doctor or hospital that accepts Medicare, offering peace of mind and convenience.
• Predictable Costs:
  These plans help manage out-of-pocket expenses, allowing for more predictable healthcare costs and better financial planning.
• Guaranteed Renewal:
  As long as you pay your premiums, your Medicare Supplement plan is guaranteed renewable, even if you have health problems.

Discuss your options with a licensed insurance agent today to find the right Medicare Supplement Plan for your needs and lifestyle. Our agents can guide you through the available options and help you select a plan that best suits your healthcare requirements.

For details about Medicare go to Medicare.gov.