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A HealthyAmerica, we understand the importance of having a comprehensive health insurance plan that you can depend on. To complement your existing coverage, we offer a range of Supplemental Health Insurance Plans that are designed to bridge gaps with your major medical ACA plan or group health insurance plans. These plans help cover out-of-pocket expenses such as deductibles, out-of-pocket maximums, coinsurance, and out-of-network costs associated with specific medical needs.
Features of Supplemental Health Insurance
- Accident Insurance
- Critical Illness Insurance
- Hospital Indemnity Insurance
- Term Life Insurance
Plans marked with a "+" sign include additional non-insurance coverage options such as: virtual care, vitamins, dental and prescriptions discounts and more. These additional benefits are designed to enhance your overall health and wellness, providing support for every day health needs.
These supplemental plans are not intended to replace major medical insurance but are designed to work alongside it, addressing some of the coverage gaps you may experience. For more detailed information, including specific terms, conditions, limitations, and exclusions, please review the policy and certificate of insurance. If you have any questions or need assistance selecting the right plan for your needs, please call us at 866-438-4274. We are eager to assist you in finding the best coverage options for you and your family.
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:
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.
$25,000 Blanket Group Accident Insurance
$5,000 Accidental Death & Dismemberment Benefit
Available States:
AL, AR, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NV, OH, OK, RI, TN, TX, VA, WI, WV & WY
Membership in UBA is required
1st and 15th Effective Dates available
*Plan Cost above does not include the required $10 per month UBA Membership dues. All plan costs above are monthly.
Cost Transparency:
Current rate(s) for insurance coverage included in the UBA Accident and underwritten by SiriusPoint America Insurance Company:
UBA Accident is designed to supplement your comprehensive health insurance plan for additional protection. ALL INSURANCE BENEFIT COMPONENTS PROVIDE LIMITED COVERAGE ONLY. THIS IS NOT COMPREHENSIVE MAJOR MEDICAL INSURANCE, and should not be purchased to replace any major medical insurance you currently have in force. UBA Accident is optionally available to members of the United Business Association only.
Benefit payable for Covered Expenses incurred as a result of accidental injury, up to the maximum benefit amount, per Covered Person, per year: 1)after the Covered Person satisfies any Deductible; and 2) only when they are in excess of amounts payable by any other Health Care Plan, whether or not a claim has been made for benefits it provides.
Benefits will be paid without regard to any Coordination of Benefits provision in such Health Care Plan.
Available to all active members of the United Business Association (UBA), ages 18-79 who have chosen to enroll themselves in the UBA Accident Plan option and their enrolled Spouse up to age 70 as well as their enrolled dependent children. The member must be enrolled prior to their 65th birthday.
90-Day Loss Period. First Expense must be incurred within 90 days of the Covered Accident or Injury.
365-Day Benefit Period. Benefits are payable for Expenses incurred for 365 days from the date of the Covered Accident or Injury, provided the injury occurs prior to the Expiration Date and the Covered Person receives Appropriate Treatment.
Any Covered Expenses payable under this provision will be reduced by the amount any other Health Care Plan would have paid had its services or facilities been utilized, if: 1) the Covered Person has coverage under another Health Care Plan; and 2) the other Health Care Plan is an HMO, PPO or similar arrangement; and 3) the Covered Person does not use the facilities or services of the HMO, PPO, or similar arrangement.
When another Health Care Plan provides benefits in the form of services rather than cash payments, the reasonable cash value of such service will be considered in determining whether any Deductible has been satisfied, or any amount for which any benefit provided by the Policy will be reduced.
Covered Expenses payable will not be reduced for emergency treatment within 24 hours after a Covered Accident which occurred outside the geographic service are of the HMO, PPO or similar arrangement.
BENEFITS ARE NOT PAYABLE FOR LOSS DUE TO SICKNESS. THE BLANKET ACCIDENT POLICY PAYS BENEFITS FOR SPECIFIC LOSSES FROM ACCIDENTS ONLY.
Please read the full terms, definitions, limitations, and exclusions in your Group Policy and Certificate of Insurance. Coverage could vary or may not be available in all states.
Insurance coverage underwritten by SiriusPoint America Insurance Company.
[HASA-BAM-1000]
A benefit will be paid for any of the Covered Losses shown below, subject to all applicable conditions and exclusions, if the Covered Person suffers a Covered Loss that results, directly and independently of all other causes, from a Covered Accident within 365 days of the date the Covered Accident occurs.
Pays up to $5,000 per Covered Person
If the Covered Person sustains more than one Covered Loss as a result of the same Covered Accident, the Covered Loss for which the largest benefit is payable will be the benefit that is paid.
Available to all active members of the United Business Association, ages 18-79 who are enrolled in the UBA Accident and their enrolled Spouse up to age 70 as well as their enrolled dependent children. The member must be enrolled prior to their 65th birthday.
Please make sure to read the full terms, definitions, limitations, and exclusions in the Certificate of Insurance. Coverage could vary or may not be available in all states.
Insurance coverage underwritten by SiriusPoint America Insurance Company.
[HASA-BAM-1000]
THIS IS NOT MAJOR MEDICAL OR COMPREHENSIVE HEALTH INSURANCE. The insurance benefits included with UBA Accident and described here provide LIMITED COVERAGE ONLY, intended to supplement comprehensive health insurance coverage. UBA Accident is NOT a suitable alternative or replacement for comprehensive major medical isnurance, and does NOT provide minimum essential coverage in accordance with the Patient Protection and Affordable Care Act (ACA).
Current rate(s) for insurance coverage included in UBA Accident and underwritten by SiriusPoint America Insurance Company:
If for any reason you are not completely satisfied with your enrollment, just notify us anytime up to thirty (30) days after your Effective Date to cancel and receive a full refund of all dues, premiums, or fees paid.
Notice: for any enrollment in a program or plan that provides insurance benefits or coverage, enrollment costs cannot be refunded if an insurance claim has been filed.
This is a brief description of the benefits included with UBA Accident. Be sure to carefully review the Certificate(s) of Insurance, provided below, as the Certificate(s) provide the official explanations of insurance benefits specific to your state, and include all terms, conditions, limitations, and exclusions related to the insurance coverage. If there are any discrepancies between the benefit descriptions provided above and the Certificate, the Certificate will govern.
You must be a member of the United Business Association (UBA) in order to enroll in the supplemental UBA Accident plan. Membership dues are $10 per month for the entire family and are separate from the UBA Accident plan costs. View for Membership details.
$25,000 Blanket Group Accident Insurance
$5,000 Accidental Death & Dismemberment Benefit
Lyric Virtual Doctor Visits (Virtual Urgent Care and Talk Therapy)
SML Dental Discount Program
Paramount RX® Prescription Drug Discount Program
FREE Adult Multi-Vitamins
LifeLock Identity Theft Discounts
Family Source®
Available States:
AL, AR, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NV, OH, OK, RI, TN, TX, VA, WI, WV & WY
Membership in UBA is required
1st and 15th Effective Dates available
*Plan Cost above does not include the required $10 per month UBA Membership dues. All plan costs above are monthly.
Cost Transparency:
- Current rate(s) for insurance coverage included in the UBA Accident+ and underwritten by SiriusPoint America Insurance Company:
$8.54/mo for Member
$17.07/mo for Member+1
$32.18/mo for Family
- Current subscription cost(s) for non-insurance benefits included in UBA Accident+:
$40.00/mo for Member
$80.00/mo for Member+1
$100.00/mo for Family
UBA Accident+ is designed to supplement your comprehensive health insurance plan for additional protection. ALL INSURANCE BENEFIT COMPONENTS PROVIDE LIMITED COVERAGE ONLY. THIS IS NOT COMPREHENSIVE MAJOR MEDICAL INSURANCE, and should not be purchased to replace any major medical insurance you currently have in force. UBA Accident+ is optionally available to members of the United Business Association only.
Benefit payable for Covered Expenses incurred as a result of accidental injury, up to the maximum benefit amount, per Covered Person, per year: 1)after the Covered Person satisfies any Deductible; and 2) only when they are in excess of amounts payable by any other Health Care Plan, whether or not a claim has been made for benefits it provides.
Benefits will be paid without regard to any Coordination of Benefits provision in such Health Care Plan.
Available to all active members of the United Business Association (UBA), ages 18-79 who have chosen to enroll themselves in the UBA Accident+ Plan option and their enrolled Spouse up to age 70 as well as their enrolled dependent children. The member must be enrolled prior to their 65th birthday.
90-Day Loss Period. First Expense must be incurred within 90 days of the Covered Accident or Injury.
365-Day Benefit Period. Benefits are payable for Expenses incurred for 365 days from the date of the Covered Accident or Injury, provided the injury occurs prior to the Expiration Date and the Covered Person receives Appropriate Treatment.
Any Covered Expenses payable under this provision will be reduced by the amount any other Health Care Plan would have paid had its services or facilities been utilized, if: 1) the Covered Person has coverage under another Health Care Plan; and 2) the other Health Care Plan is an HMO, PPO or similar arrangement; and 3) the Covered Person does not use the facilities or services of the HMO, PPO, or similar arrangement.
When another Health Care Plan provides benefits in the form of services rather than cash payments, the reasonable cash value of such service will be considered in determining whether any Deductible has been satisfied, or any amount for which any benefit provided by the Policy will be reduced.
Covered Expenses payable will not be reduced for emergency treatment within 24 hours after a Covered Accident which occurred outside the geographic service are of the HMO, PPO or similar arrangement.
BENEFITS ARE NOT PAYABLE FOR LOSS DUE TO SICKNESS. THE BLANKET ACCIDENT POLICY PAYS BENEFITS FOR SPECIFIC LOSSES FROM ACCIDENTS ONLY.
Please read the full terms, definitions, limitations, and exclusions in your Group Policy and Certificate of Insurance. Coverage could vary or may not be available in all states.
Insurance coverage underwritten by SiriusPoint America Insurance Company.
[HASA-BAM-1000]
A benefit will be paid for any of the Covered Losses shown below, subject to all applicable conditions and exclusions, if the Covered Person suffers a Covered Loss that results, directly and independently of all other causes, from a Covered Accident within 365 days of the date the Covered Accident occurs.
Pays up to $5,000 per Covered Person
If the Covered Person sustains more than one Covered Loss as a result of the same Covered Accident, the Covered Loss for which the largest benefit is payable will be the benefit that is paid.
Available to all active members of the United Business Association, ages 18-79 who are enrolled in the UBA Accident+ and their enrolled Spouse up to age 70 as well as their enrolled dependent children. The member must be enrolled prior to their 65th birthday.
Please make sure to read the full terms, definitions, limitations, and exclusions in the Certificate of Insurance. Coverage could vary or may not be available in all states.
Insurance coverage underwritten by SiriusPoint America Insurance Company.
[HASA-BAM-1000]
Benefit Boost Services are NOT insurance. They are separate from the insurance benefits included in UBA Accident+. The insurance companies underwriting the insurance benefits are not affiliated with these or any other non-insurance services or programs offered in conjunction with UBA Membership.
Receive medical care or professional counseling from the comfort and privacy of your own home or office with Lyric Virtual Visits.1
Lyric Virtual Visits is part of the Benefit Boost family of subscription membership programs.
THIS IS NOT AN INSURANCE PLAN
The program is avialable to member, spouse or domestic partner, and children age 2+ (if enrolled in Benefit Boost Subscription application or later added)
1Licensed healthcare providers provide clinical services through medical practices affiliated with Lyric and other network providers. Additional or different telehealth requirements may be applicable in certain states; visit getlyric.com for full terms and conditions.
2Lyric does not prescibe DEA controlled substances, lifestyle drugs, and certain other drugs which may be harmful because of their potential for abuse. Lyric does not guarantee that a prescription will be written. Lyric physicians reserve the right to deny care for potential misuse of services.
Discount Dental Disclosure
This plan is NOT insurance. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. Discounts on hospital services are not available in Maryland. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. The Discount Plan Organization Gallagher Affinity Insurance Services, Inc., at 2850 W. Golf Road, Rolling Meadows, IL 60008, 1-866-215-1376. To view a list of participating providers visit www.findbestbenefits.com and enter promo code 725324. You have the right to cancel this plan within 30 days of the effective date for a full refund of fees paid. Such refunds are issued within 30 days of request.
Members can save 15% to 50%1 per visit, in most instances, on services at any of the many available dental practice locations nationwide. Services include cleanings, x-rays, fillings, root canals and crowns.
Members can also save on specialty care services including orthodontics and periodontics where available.
| Service Procedure | Avg. Price | You Pay1 | Savings | % Saved |
|---|---|---|---|---|
| Dental Cleaning (Adult) | $130 | $69 | $61 | 47% |
| Dental Cleaning (Child) | $96 | $53 | $43 | 45% |
| Complete X-Rays | $174 | $89 | $85 | 49% |
| Root Canal (Anterior) | $906 | $548 | $358 | 40% |
| Complete Upper Denture | $1422 | $1025 | $397 | 28% |
THIS IS NOT INSURANCE
1Actual costs and savings may vary by provider, service and geographic location. We use the average of negotiated fees from participating providers to determine the average costs, as shown on the chart. The select regional average cost represents the average fees for the procedures listed above in Los Angeles, Orlando, Chicago and New York City, as displayed in the cost of care tool as of September 2021.
The discount program provides access to the Aetna Dental Access® network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent representive, or employee of the discount program. Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.
This benefit is not available in AK, CT, IA, MA, RI, UT, VT and WA. This benefit is not avialable to residents of Vermont.
Full terms, conditions and disclosures
Paramount RX® is a nationally recognized prescription discount program that provides discounts on all FDA approved prescription drugs. The nationwide network includes over 57,000 pharmacies, including all national and regional chains, as well as many local community pharmacies.
Members can save hundreds of dollars or more per year on pet medications with retail pharmacy and online discounts. Our Pet RX customer service team is also available to assist utilizing the program for maximum savings.
1 Savings can vary greatly depending on the individual drug and the participating pharmacy. The agreed upon discount rates and network prices can vary by pharmacy contract. It is important to research pharmacies in your community to find the best available price using the online search tool. In any case where the participating pharmacy's retail price is lower than the discounted network price, you will pay the lower retail price.
This is not insurance -- discount only.
There is no cost to the member for this FREE prescription discount card. Read the guide carefully. This is a brief description of a prescription discount program through Paramount RX® and is not an insurance contract. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c. 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. Not all services are available in all states.
This private-label program provides the same quality viatmins as are currently found on the shelves of pharmacies, supermarkets, and other retail outlets. The multi-vitamins your family will receive are one of the leading brands sold by healthcare professionals.
Multi-vitamins are available free of charge as a subscription service for members actively enrolled in UBA Accident+.
Get the information you need to tackle a number of personal and family life events, without having to spend untold hours researching. The highly trained and experienced Resource Specialists at FamilySource® create customized solutions that help address your specific need, with expertise in a wide range of common-yet difficult issues such as child or elder care, adoption, home repair, education and housing needs.
FamilySource® is a registered trademark of ComPsych® Corporation
Identity theft is a crime in which someone accesses information to commit fraud, typically by getting false credentials, opening new accounts in someone else's name or using someone else's existing accounts.
There are a lot of ways identity theft can happen, and once hackers or other criminals have your information, they could impersonate you, max out your credit cards, open new accounts in your name, rent an apartment, steal your frequent-flyer miles or act out a number of other bad-guy fantasies.
LifeLock™ is a leader in identity theft protection, with three plan levels to choose from that:
*Discount rate and savings based on discount pricing and retail renewal pricing, as of January 2021.
Term and conditions apply. No one can prevent all cybercrime or prevent all identity theft. Visit LifeLock.com for terms, conditions, and limitations of LifeLock™ identity theft protection.
Norton and LifeLock are trademarks of NortonLifeLock Inc. United Business Association, Healthy America Insurance Agency, Inc, and H A Partners, Inc. are not a paid affiliates of LifeLock and does not receive any commission from LifeLock or NortonLifeLock Inc. UBA, HealthyAmerica, & H A Partners, Inc. are not liable for claims, damages, losses, expenses, costs, or liabilities whatsoever arising from or associated with identity theft protection services purchased through LifeLock.
THIS IS NOT MAJOR MEDICAL OR COMPREHENSIVE HEALTH INSURANCE. The insurance benefits included with UBA Accident+ and described here provide LIMITED COVERAGE ONLY, intended to supplement comprehensive health insurance coverage. UBA Accident+ is NOT a suitable alternative or replacement for comprehensive major medical isnurance, and does NOT provide minimum essential coverage in accordance with the Patient Protection and Affordable Care Act (ACA).
Current rate(s) for insurance coverage included in UBA Accident+ and underwritten by SiriusPoint America Insurance Company:
Current subscription cost(s) for non-insurance benefits included in UBA Accident+:
If for any reason you are not completely satisfied with your enrollment, just notify us anytime up to thirty (30) days after your Effective Date to cancel and receive a full refund of all dues, premiums, or fees paid.
Notice: for any enrollment in a program or plan that provides insurance benefits or coverage, enrollment costs cannot be refunded if an insurance claim has been filed.
This is a brief description of the benefits included with UBA Accident+. Be sure to carefully review the Certificate(s) of Insurance, provided below, as the Certificate(s) provide the official explanations of insurance benefits specific to your state, and include all terms, conditions, limitations, and exclusions related to the insurance coverage. If there are any discrepancies between the benefit descriptions provided above and the Certificate, the Certificate will govern.
You must be a member of the United Business Association (UBA) in order to enroll in the supplemental UBA Accident+ plan. Membership dues are $10 per month for the entire family and are separate from the UBA Accident+ plan costs. View for Membership details.
$10,000 Accident Medical Expense Benefit
$1,000 Accidental Death & Dismemberment Benefit
Lyric Virtual Doctor Visits (Virtual Urgent Care and Talk Therapy)
SML Dental Discount Program
Paramount RX® Prescription Drug Discount Program
FREE Adult Multi-Vitamins
LifeLock Identity Theft Discounts
Family Source®
Available States:
AL, AR, AZ, CA, CT, DC, DE, FL, GA, IL, IN, IA, KS, KY, MI, MS, NC, ND, NE, NV, OH, OK, RI, SC, TN, TX, VA, WI, WV & WY
Membership in UBA is required
1st and 15th Effective Dates available
*Plan Cost above does not include the required $10 per month UBA Membership dues. All plan costs above are monthly.
Cost Transparency:
- Current rate(s) for insurance coverage included in the Gap AME 10K+ and underwritten by Guarantee Trust Life Insurance Company:
$7.75/mo for Member
$19.37/mo for Member+1
$19.37/mo for Family
- Current subscription cost(s) for non-insurance benefits included in Gap AME 10K+:
$40.00/mo for Member
$80.00/mo for Member+1
$100.00/mo for Family
Gap AME 10K+ is designed to supplement your comprehensive health insurance plan for additional protection. ALL INSURANCE BENEFIT COMPONENTS PROVIDE LIMITED COVERAGE ONLY. THIS IS NOT COMPREHENSIVE MAJOR MEDICAL INSURANCE, and should not be purchased to replace any major medical insurance you currently have in force. Gap AME 10K+ is optionally available to members of the United Business Association only.
Benefit payable for all Covered Charges incurred as a result of accidental injury as defined by the policy, up to the annual maximum benefit amount, per injury.
| Covered Charges | Maximum Benefit |
|---|---|
| Hospital Room & Board, & general nursing care, up to the semi-private room rate | Up to the Policy Limits |
| Hospital miscellaneous expenses during Hospital confinement or for outpatient surgery under general anesthetic, such as the cost of the operating room, laboratory tests, x-ray exams, anesthesia, drugs (excluding take-home drugs), or medicines, therapeutic services and supplies | Up to the Policy Limits |
| Doctor's Fees for surgery | $1,000 |
| Anesthesia Services | $250 |
| Doctor's Visits per visit (inpatient & outpatient) | $75 |
| Hospital Emergency Care | $500 |
| X-ray and Laboratory Services | $250 |
| Ambulance Expense | $250 |
| Prescription Drug Expense | Up to the Policy Limits |
| Dental Treatment for Injury to Sound Natural Teeth per tooth | $250 |
| Registered Nurse Expense | Up to the Policy Limits |
| Chiropractic per visit | $20 |
| Physical Therapy per visit | $25 |
| Durable Medical Equipment | $50 |
12-Week Initial Treatment period. First Expense must be incurred within 12 weeks of the Accident or Injury.
52-Week Benefit Period. Benefits are payable for Expenses incurred for 52 weeks (one year) from the date of the Accident or Injury.
Group Accient Only insurance is issued on Policy form series MP-1300 or MP-1400, Certificate form series GC-1300 or GC-1400, and Rider form series GRG15CR/GRG15HAS by Guarantee Trust Life Insurance Company (GTL), Glenview, IL. The Policy is issued to the United Business Association (UBA) and includes the following: exclusions, limitations, reductions of benefits, and terms of renewal and termination. Subject to state availability, variability, and GTL's right to increase premium rates.
Cancellation / Termination of Benefits/Renewability: Coverage terminates when UBA terminates the policy, your membership ceases, insurance ceases for your class, for non-payment of premium by UBA, or the date of fraud or misrepresentation of a material fact. The group policy terminates for non-payment of premium, if group participation requirements are not met or on any premium due date for any of the following reasons: fraud or misrepresentation of a material fact; failure of UBA to provide required information; or at GTL's option with 30 days notice. Notice of termination provided to UBA is considered notice of termination to all members and will not be sent to you individually by GTL. The policy automatically renews each policy anniversary until cancellation/termination.
Read the Certificate of Insurance carefully. This is a brief description and is not an insurance contract, nor part of the Certificate of Insurance. If there are any discrepancies between this description and the Certificate, the Certificate will govern.
BENEFITS ARE NOT PAYABLE FOR LOSS DUE TO SICKNESS. THE GROUP ACCIDENT ONLY POLICY PAYS BENEFITS FOR SPECIFIC LOSSES FROM ACCIDENTS ONLY.
Please read the full terms, definitions, limitations, and exclusions in your Group Policy and Certificate of Insurance. Coverage could vary or may not be available in all states.
Insurance coverage underwritten by Guarantee Trust Life Insurance Company.
[AAD101.33-19]
Benefit payable for loss of life, limb, or physical ability due to a Covered Accident, according to the table below:
Pays up to $1,000 per Covered Person
Benefits are payable for Losses that result within 52 weeks (one year) of the Covered Accident.
Group Accident Only insurance is issued on Policy form series MP-1300 or MP-1400, Certificate form series GC-1300 or GC-1400, and Rider form series GRG15CR/GRG15HAS by Guarantee Trust Life Insurance Company (GTL), Glenview, IL. The Policy is issued to the United Business Association (UBA) and includes the following: exclusions, limitations, reductions of benefits, and terms of renewal and termination. Subject to state availability, variability, and GTL's right to increase premium rates.
Cancellation / Termination of Benefits/Renewability: Coverage terminates when UBA terminates the policy, your membership ceases, insurance ceases for your class, for non-payment of premium by UBA, or the date of fraud or misrepresentation of a material fact. The group policy terminates for non-payment of premium, if group participation requirements are not met or on any premium due date for any of the following reasons: fraud or misrepresentation of a material fact; failure of UBA to provide required information; or at GTL's option with 30 days notice. Notice of termination provided to UBA is considered notice of termination to all members and will not be sent to you individually by GTL. The policy automatically renews each policy anniversary until cancellation/termination.
Read the Certificate of Insurance carefully. This is a brief description and is not an insurance contract, nor part of the Certificate of Insurance. If there are any discrepancies between this description and the Certificate, the Certificate will govern.
Insurance coverage underwritten by Guarantee Trust Life Insurance Company.
[AAD101.33-19]
Benefit Boost Services are NOT insurance. They are separate from the insurance benefits included in Gap AME 10K+. The insurance companies underwriting the insurance benefits are not affiliated with these or any other non-insurance services or programs offered in conjunction with UBA Membership.
Receive medical care or professional counseling from the comfort and privacy of your own home or office with Lyric Virtual Visits.1
Lyric Virtual Visits is part of the Benefit Boost family of subscription membership programs.
THIS IS NOT AN INSURANCE PLAN
The program is avialable to member, spouse or domestic partner, and children age 2+ (if enrolled in Benefit Boost Subscription application or later added)
1Licensed healthcare providers provide clinical services through medical practices affiliated with Lyric and other network providers. Additional or different telehealth requirements may be applicable in certain states; visit getlyric.com for full terms and conditions.
2Lyric does not prescibe DEA controlled substances, lifestyle drugs, and certain other drugs which may be harmful because of their potential for abuse. Lyric does not guarantee that a prescription will be written. Lyric physicians reserve the right to deny care for potential misuse of services.
Discount Dental Disclosure
This plan is NOT insurance. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. Discounts on hospital services are not available in Maryland. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. The Discount Plan Organization Gallagher Affinity Insurance Services, Inc., at 2850 W. Golf Road, Rolling Meadows, IL 60008, 1-866-215-1376. To view a list of participating providers visit www.findbestbenefits.com and enter promo code 725324. You have the right to cancel this plan within 30 days of the effective date for a full refund of fees paid. Such refunds are issued within 30 days of request.
Members can save 15% to 50%1 per visit, in most instances, on services at any of the many available dental practice locations nationwide. Services include cleanings, x-rays, fillings, root canals and crowns.
Members can also save on specialty care services including orthodontics and periodontics where available.
| Service Procedure | Avg. Price | You Pay1 | Savings | % Saved |
|---|---|---|---|---|
| Dental Cleaning (Adult) | $130 | $69 | $61 | 47% |
| Dental Cleaning (Child) | $96 | $53 | $43 | 45% |
| Complete X-Rays | $174 | $89 | $85 | 49% |
| Root Canal (Anterior) | $906 | $548 | $358 | 40% |
| Complete Upper Denture | $1422 | $1025 | $397 | 28% |
THIS IS NOT INSURANCE
1Actual costs and savings may vary by provider, service and geographic location. We use the average of negotiated fees from participating providers to determine the average costs, as shown on the chart. The select regional average cost represents the average fees for the procedures listed above in Los Angeles, Orlando, Chicago and New York City, as displayed in the cost of care tool as of September 2021.
The discount program provides access to the Aetna Dental Access® network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent representive, or employee of the discount program. Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.
This benefit is not available in AK, CT, IA, MA, RI, UT, VT and WA. This benefit is not avialable to residents of Vermont.
Full terms, conditions and disclosures
Paramount RX® is a nationally recognized prescription discount program that provides discounts on all FDA approved prescription drugs. The nationwide network includes over 57,000 pharmacies, including all national and regional chains, as well as many local community pharmacies.
Members can save hundreds of dollars or more per year on pet medications with retail pharmacy and online discounts. Our Pet RX customer service team is also available to assist utilizing the program for maximum savings.
1 Savings can vary greatly depending on the individual drug and the participating pharmacy. The agreed upon discount rates and network prices can vary by pharmacy contract. It is important to research pharmacies in your community to find the best available price using the online search tool. In any case where the participating pharmacy's retail price is lower than the discounted network price, you will pay the lower retail price.
This is not insurance -- discount only.
There is no cost to the member for this FREE prescription discount card. Read the guide carefully. This is a brief description of a prescription discount program through Paramount RX® and is not an insurance contract. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c. 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. Not all services are available in all states.
This private-label program provides the same quality viatmins as are currently found on the shelves of pharmacies, supermarkets, and other retail outlets. The multi-vitamins your family will receive are one of the leading brands sold by healthcare professionals.
Multi-vitamins are available free of charge as a subscription service for members actively enrolled in Gap AME 10K+.
Get the information you need to tackle a number of personal and family life events, without having to spend untold hours researching. The highly trained and experienced Resource Specialists at FamilySource® create customized solutions that help address your specific need, with expertise in a wide range of common-yet difficult issues such as child or elder care, adoption, home repair, education and housing needs.
FamilySource® is a registered trademark of ComPsych® Corporation
Identity theft is a crime in which someone accesses information to commit fraud, typically by getting false credentials, opening new accounts in someone else's name or using someone else's existing accounts.
There are a lot of ways identity theft can happen, and once hackers or other criminals have your information, they could impersonate you, max out your credit cards, open new accounts in your name, rent an apartment, steal your frequent-flyer miles or act out a number of other bad-guy fantasies.
LifeLock™ is a leader in identity theft protection, with three plan levels to choose from that:
*Discount rate and savings based on discount pricing and retail renewal pricing, as of January 2021.
Term and conditions apply. No one can prevent all cybercrime or prevent all identity theft. Visit LifeLock.com for terms, conditions, and limitations of LifeLock™ identity theft protection.
Norton and LifeLock are trademarks of NortonLifeLock Inc. United Business Association, Healthy America Insurance Agency, Inc, and H A Partners, Inc. are not a paid affiliates of LifeLock and does not receive any commission from LifeLock or NortonLifeLock Inc. UBA, HealthyAmerica, & H A Partners, Inc. are not liable for claims, damages, losses, expenses, costs, or liabilities whatsoever arising from or associated with identity theft protection services purchased through LifeLock.
THIS IS NOT MAJOR MEDICAL OR COMPREHENSIVE HEALTH INSURANCE. The insurance benefits included with Gap AME 10K+ and described here provide LIMITED COVERAGE ONLY, intended to supplement comprehensive health insurance coverage. Gap AME 10K+ is NOT a suitable alternative or replacement for comprehensive major medical isnurance, and does NOT provide minimum essential coverage in accordance with the Patient Protection and Affordable Care Act (ACA).
Current rate(s) for insurance coverage included in Gap AME 10K+ and underwritten by Guarantee Trust Life Insurance Company:
Current subscription cost(s) for non-insurance benefits included in Gap AME 10K+:
If for any reason you are not completely satisfied with your enrollment, just notify us anytime up to thirty (30) days after your Effective Date to cancel and receive a full refund of all dues, premiums, or fees paid.
Notice: for any enrollment in a program or plan that provides insurance benefits or coverage, enrollment costs cannot be refunded if an insurance claim has been filed.
This is a brief description of the benefits included with Gap AME 10K+. Be sure to carefully review the Certificate(s) of Insurance, provided below, as the Certificate(s) provide the official explanations of insurance benefits specific to your state, and include all terms, conditions, limitations, and exclusions related to the insurance coverage. If there are any discrepancies between the benefit descriptions provided above and the Certificate, the Certificate will govern.
You must be a member of the United Business Association (UBA) in order to enroll in the supplemental Gap AME 10K+ plan. Membership dues are $10 per month for the entire family and are separate from the Gap AME 10K+ plan costs. View for Membership details.
$25,000 Critical Illness benefit (After 1st year)
$2,500 Critical Illness benefit (Within 1st year)
Lyric Virtual Doctor Visits (Virtual Urgent Care and Talk Therapy)
SML Dental Discount Program
Paramount RX® Prescription Drug Discount Program
FREE Adult Multi-Vitamins
LifeLock Identity Theft Discounts
Family Source®
Available States:
AR, AZ, MO, MS, OK & TX
Membership in UBA is required
1st and 15th Effective Dates available
*Plan Cost above does not include the required $10 per month UBA Membership dues. All plan costs above are monthly.
Cost Transparency:
- Current rate(s) for insurance coverage included in the Gap CI 25K+ and underwritten by Windsor Life Insurance Company:
$10.00/mo for Member
$20.00/mo for Member+Spouse
- Current subscription cost(s) for non-insurance benefits included in Gap CI 25K+:
$40.00/mo for Member
$80.00/mo for Member+Spouse
Gap CI 25K+ is designed to supplement your comprehensive health insurance plan for additional protection. ALL INSURANCE BENEFIT COMPONENTS PROVIDE LIMITED COVERAGE ONLY. THIS IS NOT COMPREHENSIVE MAJOR MEDICAL INSURANCE, and should not be purchased to replace any major medical insurance you currently have in force. Gap CI 25K+ is optionally available to members of the United Business Association only.
Lump sum benefit payable when a Covered Person (primary member or enrolled spouse) is first diagnosed with a Critical Illness (heart attack, stroke, or life-threatening cancer).
Coverage is provided for primary member and enrolled spouse only. Dependent children are not covered.
Benefit paid only once per Covered Person. Coverage ends at age 65.
Benefits are paid as a lump sum payment on first diagnosis of a Covered Critical Illness when the diagnosis occurs after the Effective Date of Coverage for that Covered Person and while the Covered Person's coverage under this Certificate of Insurance is in force. The diagnosed critical illness must qualify as a Covered Critical Illness as defined in the Certificate of Insurance. Coverage could vary by state and may not be avialable in all states. Please see Certificate for complete details, including all definitions, terms, conditions, limitations, exclusions and state variations.
Insurance coverage underwritten by Windsor Life Insurance Company and re-insured by Optimum Life Reinsurance.
[WL-BLCI-001006]
Benefit Boost Services are NOT insurance. They are separate from the insurance benefits included in Gap CI 25K+. The insurance companies underwriting the insurance benefits are not affiliated with these or any other non-insurance services or programs offered in conjunction with UBA Membership.
Receive medical care or professional counseling from the comfort and privacy of your own home or office with Lyric Virtual Visits.1
Lyric Virtual Visits is part of the Benefit Boost family of subscription membership programs.
THIS IS NOT AN INSURANCE PLAN
The program is avialable to member, spouse or domestic partner, and children age 2+ (if enrolled in Benefit Boost Subscription application or later added)
1Licensed healthcare providers provide clinical services through medical practices affiliated with Lyric and other network providers. Additional or different telehealth requirements may be applicable in certain states; visit getlyric.com for full terms and conditions.
2Lyric does not prescibe DEA controlled substances, lifestyle drugs, and certain other drugs which may be harmful because of their potential for abuse. Lyric does not guarantee that a prescription will be written. Lyric physicians reserve the right to deny care for potential misuse of services.
Discount Dental Disclosure
This plan is NOT insurance. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. Discounts on hospital services are not available in Maryland. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. The Discount Plan Organization Gallagher Affinity Insurance Services, Inc., at 2850 W. Golf Road, Rolling Meadows, IL 60008, 1-866-215-1376. To view a list of participating providers visit www.findbestbenefits.com and enter promo code 725324. You have the right to cancel this plan within 30 days of the effective date for a full refund of fees paid. Such refunds are issued within 30 days of request.
Members can save 15% to 50%1 per visit, in most instances, on services at any of the many available dental practice locations nationwide. Services include cleanings, x-rays, fillings, root canals and crowns.
Members can also save on specialty care services including orthodontics and periodontics where available.
| Service Procedure | Avg. Price | You Pay1 | Savings | % Saved |
|---|---|---|---|---|
| Dental Cleaning (Adult) | $130 | $69 | $61 | 47% |
| Dental Cleaning (Child) | $96 | $53 | $43 | 45% |
| Complete X-Rays | $174 | $89 | $85 | 49% |
| Root Canal (Anterior) | $906 | $548 | $358 | 40% |
| Complete Upper Denture | $1422 | $1025 | $397 | 28% |
THIS IS NOT INSURANCE
1Actual costs and savings may vary by provider, service and geographic location. We use the average of negotiated fees from participating providers to determine the average costs, as shown on the chart. The select regional average cost represents the average fees for the procedures listed above in Los Angeles, Orlando, Chicago and New York City, as displayed in the cost of care tool as of September 2021.
The discount program provides access to the Aetna Dental Access® network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent representive, or employee of the discount program. Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.
This benefit is not available in AK, CT, IA, MA, RI, UT, VT and WA. This benefit is not avialable to residents of Vermont.
Full terms, conditions and disclosures
Paramount RX® is a nationally recognized prescription discount program that provides discounts on all FDA approved prescription drugs. The nationwide network includes over 57,000 pharmacies, including all national and regional chains, as well as many local community pharmacies.
Members can save hundreds of dollars or more per year on pet medications with retail pharmacy and online discounts. Our Pet RX customer service team is also available to assist utilizing the program for maximum savings.
1 Savings can vary greatly depending on the individual drug and the participating pharmacy. The agreed upon discount rates and network prices can vary by pharmacy contract. It is important to research pharmacies in your community to find the best available price using the online search tool. In any case where the participating pharmacy's retail price is lower than the discounted network price, you will pay the lower retail price.
This is not insurance -- discount only.
There is no cost to the member for this FREE prescription discount card. Read the guide carefully. This is a brief description of a prescription discount program through Paramount RX® and is not an insurance contract. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c. 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. Not all services are available in all states.
This private-label program provides the same quality viatmins as are currently found on the shelves of pharmacies, supermarkets, and other retail outlets. The multi-vitamins your family will receive are one of the leading brands sold by healthcare professionals.
Multi-vitamins are available free of charge as a subscription service for members actively enrolled in Gap CI 25K+.
Get the information you need to tackle a number of personal and family life events, without having to spend untold hours researching. The highly trained and experienced Resource Specialists at FamilySource® create customized solutions that help address your specific need, with expertise in a wide range of common-yet difficult issues such as child or elder care, adoption, home repair, education and housing needs.
FamilySource® is a registered trademark of ComPsych® Corporation
Identity theft is a crime in which someone accesses information to commit fraud, typically by getting false credentials, opening new accounts in someone else's name or using someone else's existing accounts.
There are a lot of ways identity theft can happen, and once hackers or other criminals have your information, they could impersonate you, max out your credit cards, open new accounts in your name, rent an apartment, steal your frequent-flyer miles or act out a number of other bad-guy fantasies.
LifeLock™ is a leader in identity theft protection, with three plan levels to choose from that:
*Discount rate and savings based on discount pricing and retail renewal pricing, as of January 2021.
Term and conditions apply. No one can prevent all cybercrime or prevent all identity theft. Visit LifeLock.com for terms, conditions, and limitations of LifeLock™ identity theft protection.
Norton and LifeLock are trademarks of NortonLifeLock Inc. United Business Association, Healthy America Insurance Agency, Inc, and H A Partners, Inc. are not a paid affiliates of LifeLock and does not receive any commission from LifeLock or NortonLifeLock Inc. UBA, HealthyAmerica, & H A Partners, Inc. are not liable for claims, damages, losses, expenses, costs, or liabilities whatsoever arising from or associated with identity theft protection services purchased through LifeLock.
THIS IS NOT MAJOR MEDICAL OR COMPREHENSIVE HEALTH INSURANCE. The insurance benefits included with Gap CI 25K+ and described here provide LIMITED COVERAGE ONLY, intended to supplement comprehensive health insurance coverage. Gap CI 25K+ is NOT a suitable alternative or replacement for comprehensive major medical isnurance, and does NOT provide minimum essential coverage in accordance with the Patient Protection and Affordable Care Act (ACA).
Current rate(s) for insurance coverage included in Gap CI 25K+ and underwritten by Windsor Life Insurance Company:
Current subscription cost(s) for non-insurance benefits included in Gap CI 25K+:
If for any reason you are not completely satisfied with your enrollment, just notify us anytime up to thirty (30) days after your Effective Date to cancel and receive a full refund of all dues, premiums, or fees paid.
Notice: for any enrollment in a program or plan that provides insurance benefits or coverage, enrollment costs cannot be refunded if an insurance claim has been filed.
This is a brief description of the benefits included with Gap CI 25K+. Be sure to carefully review the Certificate(s) of Insurance, provided below, as the Certificate(s) provide the official explanations of insurance benefits specific to your state, and include all terms, conditions, limitations, and exclusions related to the insurance coverage. If there are any discrepancies between the benefit descriptions provided above and the Certificate, the Certificate will govern.
You must be a member of the United Business Association (UBA) in order to enroll in the supplemental Gap CI 25K+ plan. Membership dues are $10 per month for the entire family and are separate from the Gap CI 25K+ plan costs. View for Membership details.
| State | Certificate of Insurance |
|---|---|
| Arkansas | View Arkansas Gap CI 25K+ Certificate |
| Arizona | View Arizona Gap CI 25K+ Certiicate |
| Mississippi | View Mississippi Gap CI 25K+ Certificate |
| Missouri | View Missouri Gap CI 25K+ Certificate |
| Oklahoma | View Oklahoma Gap CI 25K+ Certificate |
| Texas | View Texas Gap CI 25K+ Certificate |
$5,000 Blanket Group Accident Insurance
$5,000 Critical Illness Benefit
$2,500 Accidental Death & Dismemberment Benefit
Available States:
AL, AR, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NV, OH, OK, RI, TN, TX, VA, WI, WV & WY
Membership in UBA is required
1st and 15th Effective Dates available
*Plan Cost above does not include the required $10 per month UBA Membership dues. All plan costs above are monthly.
Cost Transparency:
Current rate(s) for insurance coverage included in the Gap 5000 and underwritten by SiriusPoint America Insurance Company:
Gap 5000 is designed to supplement your comprehensive health insurance plan for additional protection. ALL INSURANCE BENEFIT COMPONENTS PROVIDE LIMITED COVERAGE ONLY. THIS IS NOT COMPREHENSIVE MAJOR MEDICAL INSURANCE, and should not be purchased to replace any major medical insurance you currently have in force. Gap 5000 is optionally available to members of the United Business Association only.
Benefit payable for Covered Expenses incurred as a result of accidental injury, up to the maximum benefit amount, per Covered Person, per year: 1)after the Covered Person satisfies any Deductible; and 2) only when they are in excess of amounts payable by any other Health Care Plan, whether or not a claim has been made for benefits it provides.
Benefits will be paid without regard to any Coordination of Benefits provision in such Health Care Plan.
Available to all active members of the United Business Association (UBA), ages 18-79 who have chosen to enroll themselves in the Gap 5000 Plan option and their enrolled Spouse up to age 70 as well as their enrolled dependent children. The member must be enrolled prior to their 65th birthday.
90-Day Loss Period. First Expense must be incurred within 90 days of the Covered Accident or Injury.
365-Day Benefit Period. Benefits are payable for Expenses incurred for 365 days from the date of the Covered Accident or Injury, provided the injury occurs prior to the Expiration Date and the Covered Person receives Appropriate Treatment.
Any Covered Expenses payable under this provision will be reduced by the amount any other Health Care Plan would have paid had its services or facilities been utilized, if: 1) the Covered Person has coverage under another Health Care Plan; and 2) the other Health Care Plan is an HMO, PPO or similar arrangement; and 3) the Covered Person does not use the facilities or services of the HMO, PPO, or similar arrangement.
When another Health Care Plan provides benefits in the form of services rather than cash payments, the reasonable cash value of such service will be considered in determining whether any Deductible has been satisfied, or any amount for which any benefit provided by the Policy will be reduced.
Covered Expenses payable will not be reduced for emergency treatment within 24 hours after a Covered Accident which occurred outside the geographic service are of the HMO, PPO or similar arrangement.
BENEFITS ARE NOT PAYABLE FOR LOSS DUE TO SICKNESS. THE BLANKET ACCIDENT POLICY PAYS BENEFITS FOR SPECIFIC LOSSES FROM ACCIDENTS ONLY.
Please read the full terms, definitions, limitations, and exclusions in your Group Policy and Certificate of Insurance. Coverage could vary or may not be available in all states.
Insurance coverage underwritten by SiriusPoint America Insurance Company.
[HASA-BAM-1000]
A benefit will be paid for any of the Covered Losses shown below, subject to all applicable conditions and exclusions, if the Covered Person suffers a Covered Loss that results, directly and independently of all other causes, from a Covered Accident within 365 days of the date the Covered Accident occurs.
Pays up to $2,500 per Covered Person
If the Covered Person sustains more than one Covered Loss as a result of the same Covered Accident, the Covered Loss for which the largest benefit is payable will be the benefit that is paid.
Available to all active members of the United Business Association, ages 18-79 who are enrolled in the Gap 5000 and their enrolled Spouse up to age 70 as well as their enrolled dependent children. The member must be enrolled prior to their 65th birthday.
Please make sure to read the full terms, definitions, limitations, and exclusions in the Certificate of Insurance. Coverage could vary or may not be available in all states.
Insurance coverage underwritten by SiriusPoint America Insurance Company.
[HASA-BAM-1000]
Lump-Sum Benefit will be payable as shown below, to a Covered Person who is diagnosed by a Physician with a Covered Critical Illness (Heart Attack, Stroke, or Invasive Cancer), subject to all applicable conditions, exclusions and limitations, provided that: 1)the Critical Illness occurs and is diagnosed after the Covered Person's effetcive date of insurance; and 2) coverage of the Covered Person is in force under the Policy and Certificate.
Claims for benefits shall be administered based on the Certificate of Insurance. When a Critical Illness for which benefits are provided under the Policy and the Certificate of Insurance is contributed to or caused by another Critical Illness, only one benefit will be paid. The benefit paid will be the larger of the two. If the benefits are equal, the Covered Person may choose the benefit to be paid. Carefully read your Certificate of Insurance to view full definitions, limitations, exclusions and terms of coverage.
Coverage is available to active members of the Association ages 18-64 and is available only to Covered Member and their eligible spouse. Coverage ends at age 65.
This coverage is not available to dependent children.
Please make sure to read the full terms, definitions, limitations, and exclusions in your Certificate of Insurance. To qualify as a Covered Critical Illness, it must meet all qualifications outlined in the definition. Coverage could vary or may not be available in all states.
Insurance coverage underwritten by SiriusPoint America Insurance Company.
[HASA-1000]
THIS IS NOT MAJOR MEDICAL OR COMPREHENSIVE HEALTH INSURANCE. The insurance benefits included with Gap 5000 and described here provide LIMITED COVERAGE ONLY, intended to supplement comprehensive health insurance coverage. Gap 5000 is NOT a suitable alternative or replacement for comprehensive major medical isnurance, and does NOT provide minimum essential coverage in accordance with the Patient Protection and Affordable Care Act (ACA).
Current rate(s) for insurance coverage included in Gap 5000 and underwritten by SiriusPoint America Insurance Company:
If for any reason you are not completely satisfied with your enrollment, just notify us anytime up to thirty (30) days after your Effective Date to cancel and receive a full refund of all dues, premiums, or fees paid.
Notice: for any enrollment in a program or plan that provides insurance benefits or coverage, enrollment costs cannot be refunded if an insurance claim has been filed.
This is a brief description of the benefits included with Gap 5000. Be sure to carefully review the Certificate(s) of Insurance, provided below, as the Certificate(s) provide the official explanations of insurance benefits specific to your state, and include all terms, conditions, limitations, and exclusions related to the insurance coverage. If there are any discrepancies between the benefit descriptions provided above and the Certificate, the Certificate will govern.
You must be a member of the United Business Association (UBA) in order to enroll in the supplemental Gap 5000 plan. Membership dues are $10 per month for the entire family and are separate from the Gap 5000 plan costs. View for Membership details.
$5,000 Blanket Group Accident Insurance
$5,000 Critical Illness Benefit
$2,500 Accidental Death & Dismemberment Benefit
Lyric Virtual Doctor Visits (Virtual Urgent Care and Talk Therapy)
SML Dental Discount Program
Paramount RX® Prescription Drug Discount Program
FREE Adult Multi-Vitamins
LifeLock Identity Theft Discounts
Family Source®
Available States:
AL, AR, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NV, OH, OK, RI, TN, TX, VA, WI, WV & WY
Membership in UBA is required
1st and 15th Effective Dates available
*Plan Cost above does not include the required $10 per month UBA Membership dues. All plan costs above are monthly.
Cost Transparency:
- Current rate(s) for insurance coverage included in the Gap 5000+ and underwritten by SiriusPoint America Insurance Company:
$4.17/mo for Member
$8.37/mo for Member+1
$15.76/mo for Family
$3.26/mo for Member
$6.51/mo for Member+1
- Current subscription cost(s) for non-insurance benefits included in Gap 5000+:
$40.00/mo for Member
$80.00/mo for Member+1
$100.00/mo for Family
Gap 5000+ is designed to supplement your comprehensive health insurance plan for additional protection. ALL INSURANCE BENEFIT COMPONENTS PROVIDE LIMITED COVERAGE ONLY. THIS IS NOT COMPREHENSIVE MAJOR MEDICAL INSURANCE, and should not be purchased to replace any major medical insurance you currently have in force. Gap 5000+ is optionally available to members of the United Business Association only.
Benefit payable for Covered Expenses incurred as a result of accidental injury, up to the maximum benefit amount, per Covered Person, per year: 1)after the Covered Person satisfies any Deductible; and 2) only when they are in excess of amounts payable by any other Health Care Plan, whether or not a claim has been made for benefits it provides.
Benefits will be paid without regard to any Coordination of Benefits provision in such Health Care Plan.
Available to all active members of the United Business Association (UBA), ages 18-79 who have chosen to enroll themselves in the Gap 5000+ Plan option and their enrolled Spouse up to age 70 as well as their enrolled dependent children. The member must be enrolled prior to their 65th birthday.
90-Day Loss Period. First Expense must be incurred within 90 days of the Covered Accident or Injury.
365-Day Benefit Period. Benefits are payable for Expenses incurred for 365 days from the date of the Covered Accident or Injury, provided the injury occurs prior to the Expiration Date and the Covered Person receives Appropriate Treatment.
Any Covered Expenses payable under this provision will be reduced by the amount any other Health Care Plan would have paid had its services or facilities been utilized, if: 1) the Covered Person has coverage under another Health Care Plan; and 2) the other Health Care Plan is an HMO, PPO or similar arrangement; and 3) the Covered Person does not use the facilities or services of the HMO, PPO, or similar arrangement.
When another Health Care Plan provides benefits in the form of services rather than cash payments, the reasonable cash value of such service will be considered in determining whether any Deductible has been satisfied, or any amount for which any benefit provided by the Policy will be reduced.
Covered Expenses payable will not be reduced for emergency treatment within 24 hours after a Covered Accident which occurred outside the geographic service are of the HMO, PPO or similar arrangement.
BENEFITS ARE NOT PAYABLE FOR LOSS DUE TO SICKNESS. THE BLANKET ACCIDENT POLICY PAYS BENEFITS FOR SPECIFIC LOSSES FROM ACCIDENTS ONLY.
Please read the full terms, definitions, limitations, and exclusions in your Group Policy and Certificate of Insurance. Coverage could vary or may not be available in all states.
Insurance coverage underwritten by SiriusPoint America Insurance Company.
[HASA-BAM-1000]
A benefit will be paid for any of the Covered Losses shown below, subject to all applicable conditions and exclusions, if the Covered Person suffers a Covered Loss that results, directly and independently of all other causes, from a Covered Accident within 365 days of the date the Covered Accident occurs.
Pays up to $2,500 per Covered Person
If the Covered Person sustains more than one Covered Loss as a result of the same Covered Accident, the Covered Loss for which the largest benefit is payable will be the benefit that is paid.
Available to all active members of the United Business Association, ages 18-79 who are enrolled in the Gap 5000+ and their enrolled Spouse up to age 70 as well as their enrolled dependent children. The member must be enrolled prior to their 65th birthday.
Please make sure to read the full terms, definitions, limitations, and exclusions in the Certificate of Insurance. Coverage could vary or may not be available in all states.
Insurance coverage underwritten by SiriusPoint America Insurance Company.
[HASA-BAM-1000]
Lump-Sum Benefit will be payable as shown below, to a Covered Person who is diagnosed by a Physician with a Covered Critical Illness (Heart Attack, Stroke, or Invasive Cancer), subject to all applicable conditions, exclusions and limitations, provided that: 1)the Critical Illness occurs and is diagnosed after the Covered Person's effetcive date of insurance; and 2) coverage of the Covered Person is in force under the Policy and Certificate.
Claims for benefits shall be administered based on the Certificate of Insurance. When a Critical Illness for which benefits are provided under the Policy and the Certificate of Insurance is contributed to or caused by another Critical Illness, only one benefit will be paid. The benefit paid will be the larger of the two. If the benefits are equal, the Covered Person may choose the benefit to be paid. Carefully read your Certificate of Insurance to view full definitions, limitations, exclusions and terms of coverage.
Coverage is available to active members of the Association ages 18-64 and is available only to Covered Member and their eligible spouse. Coverage ends at age 65.
This coverage is not available to dependent children.
Please make sure to read the full terms, definitions, limitations, and exclusions in your Certificate of Insurance. To qualify as a Covered Critical Illness, it must meet all qualifications outlined in the definition. Coverage could vary or may not be available in all states.
Insurance coverage underwritten by SiriusPoint America Insurance Company.
[HASA-1000]
Benefit Boost Services are NOT insurance. They are separate from the insurance benefits included in Gap 5000+. The insurance companies underwriting the insurance benefits are not affiliated with these or any other non-insurance services or programs offered in conjunction with UBA Membership.
Receive medical care or professional counseling from the comfort and privacy of your own home or office with Lyric Virtual Visits.1
Lyric Virtual Visits is part of the Benefit Boost family of subscription membership programs.
THIS IS NOT AN INSURANCE PLAN
The program is avialable to member, spouse or domestic partner, and children age 2+ (if enrolled in Benefit Boost Subscription application or later added)
1Licensed healthcare providers provide clinical services through medical practices affiliated with Lyric and other network providers. Additional or different telehealth requirements may be applicable in certain states; visit getlyric.com for full terms and conditions.
2Lyric does not prescibe DEA controlled substances, lifestyle drugs, and certain other drugs which may be harmful because of their potential for abuse. Lyric does not guarantee that a prescription will be written. Lyric physicians reserve the right to deny care for potential misuse of services.
Discount Dental Disclosure
This plan is NOT insurance. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. Discounts on hospital services are not available in Maryland. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. The Discount Plan Organization Gallagher Affinity Insurance Services, Inc., at 2850 W. Golf Road, Rolling Meadows, IL 60008, 1-866-215-1376. To view a list of participating providers visit www.findbestbenefits.com and enter promo code 725324. You have the right to cancel this plan within 30 days of the effective date for a full refund of fees paid. Such refunds are issued within 30 days of request.
Members can save 15% to 50%1 per visit, in most instances, on services at any of the many available dental practice locations nationwide. Services include cleanings, x-rays, fillings, root canals and crowns.
Members can also save on specialty care services including orthodontics and periodontics where available.
| Service Procedure | Avg. Price | You Pay1 | Savings | % Saved |
|---|---|---|---|---|
| Dental Cleaning (Adult) | $130 | $69 | $61 | 47% |
| Dental Cleaning (Child) | $96 | $53 | $43 | 45% |
| Complete X-Rays | $174 | $89 | $85 | 49% |
| Root Canal (Anterior) | $906 | $548 | $358 | 40% |
| Complete Upper Denture | $1422 | $1025 | $397 | 28% |
THIS IS NOT INSURANCE
1Actual costs and savings may vary by provider, service and geographic location. We use the average of negotiated fees from participating providers to determine the average costs, as shown on the chart. The select regional average cost represents the average fees for the procedures listed above in Los Angeles, Orlando, Chicago and New York City, as displayed in the cost of care tool as of September 2021.
The discount program provides access to the Aetna Dental Access® network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent representive, or employee of the discount program. Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.
This benefit is not available in AK, CT, IA, MA, RI, UT, VT and WA. This benefit is not avialable to residents of Vermont.
Full terms, conditions and disclosures
Paramount RX® is a nationally recognized prescription discount program that provides discounts on all FDA approved prescription drugs. The nationwide network includes over 57,000 pharmacies, including all national and regional chains, as well as many local community pharmacies.
Members can save hundreds of dollars or more per year on pet medications with retail pharmacy and online discounts. Our Pet RX customer service team is also available to assist utilizing the program for maximum savings.
1 Savings can vary greatly depending on the individual drug and the participating pharmacy. The agreed upon discount rates and network prices can vary by pharmacy contract. It is important to research pharmacies in your community to find the best available price using the online search tool. In any case where the participating pharmacy's retail price is lower than the discounted network price, you will pay the lower retail price.
This is not insurance -- discount only.
There is no cost to the member for this FREE prescription discount card. Read the guide carefully. This is a brief description of a prescription discount program through Paramount RX® and is not an insurance contract. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c. 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. Not all services are available in all states.
This private-label program provides the same quality viatmins as are currently found on the shelves of pharmacies, supermarkets, and other retail outlets. The multi-vitamins your family will receive are one of the leading brands sold by healthcare professionals.
Multi-vitamins are available free of charge as a subscription service for members actively enrolled in Gap 5000+.
Get the information you need to tackle a number of personal and family life events, without having to spend untold hours researching. The highly trained and experienced Resource Specialists at FamilySource® create customized solutions that help address your specific need, with expertise in a wide range of common-yet difficult issues such as child or elder care, adoption, home repair, education and housing needs.
FamilySource® is a registered trademark of ComPsych® Corporation
Identity theft is a crime in which someone accesses information to commit fraud, typically by getting false credentials, opening new accounts in someone else's name or using someone else's existing accounts.
There are a lot of ways identity theft can happen, and once hackers or other criminals have your information, they could impersonate you, max out your credit cards, open new accounts in your name, rent an apartment, steal your frequent-flyer miles or act out a number of other bad-guy fantasies.
LifeLock™ is a leader in identity theft protection, with three plan levels to choose from that:
*Discount rate and savings based on discount pricing and retail renewal pricing, as of January 2021.
Term and conditions apply. No one can prevent all cybercrime or prevent all identity theft. Visit LifeLock.com for terms, conditions, and limitations of LifeLock™ identity theft protection.
Norton and LifeLock are trademarks of NortonLifeLock Inc. United Business Association, Healthy America Insurance Agency, Inc, and H A Partners, Inc. are not a paid affiliates of LifeLock and does not receive any commission from LifeLock or NortonLifeLock Inc. UBA, HealthyAmerica, & H A Partners, Inc. are not liable for claims, damages, losses, expenses, costs, or liabilities whatsoever arising from or associated with identity theft protection services purchased through LifeLock.
THIS IS NOT MAJOR MEDICAL OR COMPREHENSIVE HEALTH INSURANCE. The insurance benefits included with Gap 5000+ and described here provide LIMITED COVERAGE ONLY, intended to supplement comprehensive health insurance coverage. Gap 5000+ is NOT a suitable alternative or replacement for comprehensive major medical isnurance, and does NOT provide minimum essential coverage in accordance with the Patient Protection and Affordable Care Act (ACA).
Current rate(s) for insurance coverage included in Gap 5000+ and underwritten by SiriusPoint America Insurance Company:
Current subscription cost(s) for non-insurance benefits included in Gap 5000+:
If for any reason you are not completely satisfied with your enrollment, just notify us anytime up to thirty (30) days after your Effective Date to cancel and receive a full refund of all dues, premiums, or fees paid.
Notice: for any enrollment in a program or plan that provides insurance benefits or coverage, enrollment costs cannot be refunded if an insurance claim has been filed.
This is a brief description of the benefits included with Gap 5000+. Be sure to carefully review the Certificate(s) of Insurance, provided below, as the Certificate(s) provide the official explanations of insurance benefits specific to your state, and include all terms, conditions, limitations, and exclusions related to the insurance coverage. If there are any discrepancies between the benefit descriptions provided above and the Certificate, the Certificate will govern.
You must be a member of the United Business Association (UBA) in order to enroll in the supplemental Gap 5000+ plan. Membership dues are $10 per month for the entire family and are separate from the Gap 5000+ plan costs. View for Membership details.
$10,000 Blanket Group Accident Insurance
$10,000 Critical Illness Benefit
$5,000 Accidental Death & Dismemberment Benefit
Available States:
AL, AR, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NV, OH, OK, RI, TN, TX, VA, WI, WV & WY
Membership in UBA is required
1st and 15th Effective Dates available
*Plan Cost above does not include the required $10 per month UBA Membership dues. All plan costs above are monthly.
Cost Transparency:
Current rate(s) for insurance coverage included in the Gap 10000 and underwritten by SiriusPoint America Insurance Company:
Gap 10000 is designed to supplement your comprehensive health insurance plan for additional protection. ALL INSURANCE BENEFIT COMPONENTS PROVIDE LIMITED COVERAGE ONLY. THIS IS NOT COMPREHENSIVE MAJOR MEDICAL INSURANCE, and should not be purchased to replace any major medical insurance you currently have in force. Gap 10000 is optionally available to members of the United Business Association only.
Benefit payable for Covered Expenses incurred as a result of accidental injury, up to the maximum benefit amount, per Covered Person, per year: 1)after the Covered Person satisfies any Deductible; and 2) only when they are in excess of amounts payable by any other Health Care Plan, whether or not a claim has been made for benefits it provides.
Benefits will be paid without regard to any Coordination of Benefits provision in such Health Care Plan.
Available to all active members of the United Business Association (UBA), ages 18-79 who have chosen to enroll themselves in the Gap 10000 Plan option and their enrolled Spouse up to age 70 as well as their enrolled dependent children. The member must be enrolled prior to their 65th birthday.
90-Day Loss Period. First Expense must be incurred within 90 days of the Covered Accident or Injury.
365-Day Benefit Period. Benefits are payable for Expenses incurred for 365 days from the date of the Covered Accident or Injury, provided the injury occurs prior to the Expiration Date and the Covered Person receives Appropriate Treatment.
Any Covered Expenses payable under this provision will be reduced by the amount any other Health Care Plan would have paid had its services or facilities been utilized, if: 1) the Covered Person has coverage under another Health Care Plan; and 2) the other Health Care Plan is an HMO, PPO or similar arrangement; and 3) the Covered Person does not use the facilities or services of the HMO, PPO, or similar arrangement.
When another Health Care Plan provides benefits in the form of services rather than cash payments, the reasonable cash value of such service will be considered in determining whether any Deductible has been satisfied, or any amount for which any benefit provided by the Policy will be reduced.
Covered Expenses payable will not be reduced for emergency treatment within 24 hours after a Covered Accident which occurred outside the geographic service are of the HMO, PPO or similar arrangement.
BENEFITS ARE NOT PAYABLE FOR LOSS DUE TO SICKNESS. THE BLANKET ACCIDENT POLICY PAYS BENEFITS FOR SPECIFIC LOSSES FROM ACCIDENTS ONLY.
Please read the full terms, definitions, limitations, and exclusions in your Group Policy and Certificate of Insurance. Coverage could vary or may not be available in all states.
Insurance coverage underwritten by SiriusPoint America Insurance Company.
[HASA-BAM-1000]
A benefit will be paid for any of the Covered Losses shown below, subject to all applicable conditions and exclusions, if the Covered Person suffers a Covered Loss that results, directly and independently of all other causes, from a Covered Accident within 365 days of the date the Covered Accident occurs.
Pays up to $5,000 per Covered Person
If the Covered Person sustains more than one Covered Loss as a result of the same Covered Accident, the Covered Loss for which the largest benefit is payable will be the benefit that is paid.
Available to all active members of the United Business Association, ages 18-79 who are enrolled in the Gap 10000 and their enrolled Spouse up to age 70 as well as their enrolled dependent children. The member must be enrolled prior to their 65th birthday.
Please make sure to read the full terms, definitions, limitations, and exclusions in the Certificate of Insurance. Coverage could vary or may not be available in all states.
Insurance coverage underwritten by SiriusPoint America Insurance Company.
[HASA-BAM-1000]
Lump-Sum Benefit will be payable as shown below, to a Covered Person who is diagnosed by a Physician with a Covered Critical Illness (Heart Attack, Stroke, or Invasive Cancer), subject to all applicable conditions, exclusions and limitations, provided that: 1)the Critical Illness occurs and is diagnosed after the Covered Person's effetcive date of insurance; and 2) coverage of the Covered Person is in force under the Policy and Certificate.
Claims for benefits shall be administered based on the Certificate of Insurance. When a Critical Illness for which benefits are provided under the Policy and the Certificate of Insurance is contributed to or caused by another Critical Illness, only one benefit will be paid. The benefit paid will be the larger of the two. If the benefits are equal, the Covered Person may choose the benefit to be paid. Carefully read your Certificate of Insurance to view full definitions, limitations, exclusions and terms of coverage.
Coverage is available to active members of the Association ages 18-64 and is available only to Covered Member and their eligible spouse. Coverage ends at age 65.
This coverage is not available to dependent children.
Please make sure to read the full terms, definitions, limitations, and exclusions in your Certificate of Insurance. To qualify as a Covered Critical Illness, it must meet all qualifications outlined in the definition. Coverage could vary or may not be available in all states.
Insurance coverage underwritten by SiriusPoint America Insurance Company.
[HASA-1000]
THIS IS NOT MAJOR MEDICAL OR COMPREHENSIVE HEALTH INSURANCE. The insurance benefits included with Gap 10000 and described here provide LIMITED COVERAGE ONLY, intended to supplement comprehensive health insurance coverage. Gap 10000 is NOT a suitable alternative or replacement for comprehensive major medical isnurance, and does NOT provide minimum essential coverage in accordance with the Patient Protection and Affordable Care Act (ACA).
Current rate(s) for insurance coverage included in Gap 10000 and underwritten by SiriusPoint America Insurance Company:
If for any reason you are not completely satisfied with your enrollment, just notify us anytime up to thirty (30) days after your Effective Date to cancel and receive a full refund of all dues, premiums, or fees paid.
Notice: for any enrollment in a program or plan that provides insurance benefits or coverage, enrollment costs cannot be refunded if an insurance claim has been filed.
This is a brief description of the benefits included with Gap 10000. Be sure to carefully review the Certificate(s) of Insurance, provided below, as the Certificate(s) provide the official explanations of insurance benefits specific to your state, and include all terms, conditions, limitations, and exclusions related to the insurance coverage. If there are any discrepancies between the benefit descriptions provided above and the Certificate, the Certificate will govern.
You must be a member of the United Business Association (UBA) in order to enroll in the supplemental Gap 10000 plan. Membership dues are $10 per month for the entire family and are separate from the Gap 10000 plan costs. View for Membership details.
$25,000 Blanket Group Accident Insurance
$25,000 Critical Illness Benefit
$5,000 Accidental Death & Dismemberment Benefit
Available States:
AL, AR, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NV, OH, OK, RI, TN, TX, VA, WI, WV & WY
Membership in UBA is required
1st and 15th Effective Dates available
*Plan Cost above does not include the required $10 per month UBA Membership dues. All plan costs above are monthly.
Cost Transparency:
Current rate(s) for insurance coverage included in the Gap 25000 and underwritten by SiriusPoint America Insurance Company:
Gap 25000 is designed to supplement your comprehensive health insurance plan for additional protection. ALL INSURANCE BENEFIT COMPONENTS PROVIDE LIMITED COVERAGE ONLY. THIS IS NOT COMPREHENSIVE MAJOR MEDICAL INSURANCE, and should not be purchased to replace any major medical insurance you currently have in force. Gap 25000 is optionally available to members of the United Business Association only.
Benefit payable for Covered Expenses incurred as a result of accidental injury, up to the maximum benefit amount, per Covered Person, per year: 1)after the Covered Person satisfies any Deductible; and 2) only when they are in excess of amounts payable by any other Health Care Plan, whether or not a claim has been made for benefits it provides.
Benefits will be paid without regard to any Coordination of Benefits provision in such Health Care Plan.
Available to all active members of the United Business Association (UBA), ages 18-79 who have chosen to enroll themselves in the Gap 25000 Plan option and their enrolled Spouse up to age 70 as well as their enrolled dependent children. The member must be enrolled prior to their 65th birthday.
90-Day Loss Period. First Expense must be incurred within 90 days of the Covered Accident or Injury.
365-Day Benefit Period. Benefits are payable for Expenses incurred for 365 days from the date of the Covered Accident or Injury, provided the injury occurs prior to the Expiration Date and the Covered Person receives Appropriate Treatment.
Any Covered Expenses payable under this provision will be reduced by the amount any other Health Care Plan would have paid had its services or facilities been utilized, if: 1) the Covered Person has coverage under another Health Care Plan; and 2) the other Health Care Plan is an HMO, PPO or similar arrangement; and 3) the Covered Person does not use the facilities or services of the HMO, PPO, or similar arrangement.
When another Health Care Plan provides benefits in the form of services rather than cash payments, the reasonable cash value of such service will be considered in determining whether any Deductible has been satisfied, or any amount for which any benefit provided by the Policy will be reduced.
Covered Expenses payable will not be reduced for emergency treatment within 24 hours after a Covered Accident which occurred outside the geographic service are of the HMO, PPO or similar arrangement.
BENEFITS ARE NOT PAYABLE FOR LOSS DUE TO SICKNESS. THE BLANKET ACCIDENT POLICY PAYS BENEFITS FOR SPECIFIC LOSSES FROM ACCIDENTS ONLY.
Please read the full terms, definitions, limitations, and exclusions in your Group Policy and Certificate of Insurance. Coverage could vary or may not be available in all states.
Insurance coverage underwritten by SiriusPoint America Insurance Company.
[HASA-BAM-1000]
A benefit will be paid for any of the Covered Losses shown below, subject to all applicable conditions and exclusions, if the Covered Person suffers a Covered Loss that results, directly and independently of all other causes, from a Covered Accident within 365 days of the date the Covered Accident occurs.
Pays up to $5,000 per Covered Person
If the Covered Person sustains more than one Covered Loss as a result of the same Covered Accident, the Covered Loss for which the largest benefit is payable will be the benefit that is paid.
Available to all active members of the United Business Association, ages 18-79 who are enrolled in the Gap 25000 and their enrolled Spouse up to age 70 as well as their enrolled dependent children. The member must be enrolled prior to their 65th birthday.
Please make sure to read the full terms, definitions, limitations, and exclusions in the Certificate of Insurance. Coverage could vary or may not be available in all states.
Insurance coverage underwritten by SiriusPoint America Insurance Company.
[HASA-BAM-1000]
Lump-Sum Benefit will be payable as shown below, to a Covered Person who is diagnosed by a Physician with a Covered Critical Illness (Heart Attack, Stroke, or Invasive Cancer), subject to all applicable conditions, exclusions and limitations, provided that: 1)the Critical Illness occurs and is diagnosed after the Covered Person's effetcive date of insurance; and 2) coverage of the Covered Person is in force under the Policy and Certificate.
Claims for benefits shall be administered based on the Certificate of Insurance. When a Critical Illness for which benefits are provided under the Policy and the Certificate of Insurance is contributed to or caused by another Critical Illness, only one benefit will be paid. The benefit paid will be the larger of the two. If the benefits are equal, the Covered Person may choose the benefit to be paid. Carefully read your Certificate of Insurance to view full definitions, limitations, exclusions and terms of coverage.
Coverage is available to active members of the Association ages 18-64 and is available only to Covered Member and their eligible spouse. Coverage ends at age 65.
This coverage is not available to dependent children.
Please make sure to read the full terms, definitions, limitations, and exclusions in your Certificate of Insurance. To qualify as a Covered Critical Illness, it must meet all qualifications outlined in the definition. Coverage could vary or may not be available in all states.
Insurance coverage underwritten by SiriusPoint America Insurance Company.
[HASA-1000]
THIS IS NOT MAJOR MEDICAL OR COMPREHENSIVE HEALTH INSURANCE. The insurance benefits included with Gap 25000 and described here provide LIMITED COVERAGE ONLY, intended to supplement comprehensive health insurance coverage. Gap 25000 is NOT a suitable alternative or replacement for comprehensive major medical isnurance, and does NOT provide minimum essential coverage in accordance with the Patient Protection and Affordable Care Act (ACA).
Current rate(s) for insurance coverage included in Gap 25000 and underwritten by SiriusPoint America Insurance Company:
If for any reason you are not completely satisfied with your enrollment, just notify us anytime up to thirty (30) days after your Effective Date to cancel and receive a full refund of all dues, premiums, or fees paid.
Notice: for any enrollment in a program or plan that provides insurance benefits or coverage, enrollment costs cannot be refunded if an insurance claim has been filed.
This is a brief description of the benefits included with Gap 25000. Be sure to carefully review the Certificate(s) of Insurance, provided below, as the Certificate(s) provide the official explanations of insurance benefits specific to your state, and include all terms, conditions, limitations, and exclusions related to the insurance coverage. If there are any discrepancies between the benefit descriptions provided above and the Certificate, the Certificate will govern.
You must be a member of the United Business Association (UBA) in order to enroll in the supplemental Gap 25000 plan. Membership dues are $10 per month for the entire family and are separate from the Gap 25000 plan costs. View for Membership details.
$5,000 Accident Medical Expense Benefit
$5,000 Benefit for Cancer
$5,000 Benefit for Heart Attack or Stroke
$2,500 Sickness Hospitalization Benefit
$10,000 Group Term Life Insurance Benefit
$2,500 Accidental Death & Dismemberment Benefit
Lyric Virtual Doctor Visits (Virtual Urgent Care and Talk Therapy)
SML Dental Discount Program
Paramount RX® Prescription Drug Discount Program
FREE Adult Multi-Vitamins
LifeLock Identity Theft Discounts
Family Source®
Available States:
AL, AR, AZ, DC, DE, GA, IA, IL, LA, MS, NE, OH, OK, SC, TX, VA, WI, WV & WY
Membership in UBA is required
1st and 15th Effective Dates available
*Plan Cost above does not include the required $10 per month UBA Membership dues. All plan costs above are monthly.
Cost Transparency:
- Current rate(s) for insurance coverage included in the Gap 5+ and underwritten by Guarantee Trust Life Insurance Company:
Cancer Lump Sum Benefit Rider
Limited Specified Disease Benefit Rider
Sickness Lump Sum Hospital Benefit Rider:
$29.49/mo for Member
$68.24/mo for Member+1
$68.24/mo for Family
$4.40/mo for Member
$4.40/mo for Member+1
$4.40/mo for Family
- Current subscription cost(s) for non-insurance benefits included in Gap 5+:
$40.00/mo for Member
$80.00/mo for Member+1
$100.00/mo for Family
Gap 5+ is designed to supplement your comprehensive health insurance plan for additional protection. ALL INSURANCE BENEFIT COMPONENTS PROVIDE LIMITED COVERAGE ONLY. THIS IS NOT COMPREHENSIVE MAJOR MEDICAL INSURANCE, and should not be purchased to replace any major medical insurance you currently have in force. Gap 5+ is optionally available to members of the United Business Association only.
Benefit payable for all Covered Charges incurred as a result of accidental injury as defined by the policy, up to the annual maximum benefit amount, per injury.
| Covered Charges | Maximum Benefit |
|---|---|
| Hospital Room & Board, & general nursing care | Up to the Policy Limits |
| Hospital miscellaneous expenses | Up to the Policy Limits |
| Doctor's Fees for surgery | Up to the Policy Limits |
| Anesthesia Services | Up to the Policy Limits |
| Doctor's Visits (per visit, inpatient & outpatient) | $75 |
| Hospital Emergency Care | $500 |
| X-ray and other diagnostic tests | $250 |
| Ambulance Expense | $250 |
| Prescription Drugs | $500 |
| Dental Treatment for Injury to Sound Natural Teeth | $250 |
| Physical Therapy per visit | $60 for first visit; $30 each visit thereafter |
| Durable Medical Equipment | $100 |
60-Day Initial Treatment Period. A Covered Person must seek initial treatment for an Accidental Injury within 60 days from the date of injury.
12-Month Benefit Period. Benefits are payable for expenses incurred due to the Accidental Injury for 12 months from the date of the Injury.
Group Accient Only insurance is issued on Policy form series MP-1300 or MP-1400, Certificate form series GC-1300 or GC-1400, and Rider form series GRG15CR/GRG15HAS by Guarantee Trust Life Insurance Company (GTL), Glenview, IL. The Policy is issued to the United Business Association (UBA) and includes the following: exclusions, limitations, reductions of benefits, and terms of renewal and termination. Subject to state availability, variability, and GTL's right to increase premium rates.
Cancellation / Termination of Benefits/Renewability: Coverage terminates when UBA terminates the policy, your membership ceases, insurance ceases for your class, for non-payment of premium by UBA, or the date of fraud or misrepresentation of a material fact. The group policy terminates for non-payment of premium, if group participation requirements are not met or on any premium due date for any of the following reasons: fraud or misrepresentation of a material fact; failure of UBA to provide required information; or at GTL's option with 30 days notice. Notice of termination provided to UBA is considered notice of termination to all members and will not be sent to you individually by GTL. The policy automatically renews each policy anniversary until cancellation/termination.
Read the Certificate of Insurance carefully. This is a brief description and is not an insurance contract, nor part of the Certificate of Insurance. If there are any discrepancies between this description and the Certificate, the Certificate will govern.
BENEFITS ARE NOT PAYABLE FOR LOSS DUE TO SICKNESS. THE GROUP ACCIDENT ONLY POLICY PAYS BENEFITS FOR SPECIFIC LOSSES FROM ACCIDENTS ONLY.
Please read the full terms, definitions, limitations, and exclusions in your Group Policy and Certificate of Insurance. Coverage could vary or may not be available in all states.
Insurance coverage underwritten by Guarantee Trust Life Insurance Company.
[AAD101.33-19]
The Cancer Lump Sum Benefit will be paid if the Covered Person is Diagnosed with Cancer after this Rider's Effective Date of coverage and while this Rider is in force, subject to the Waiting Period and Pre-Existing Period, if applicable.
160-Day Waiting Period. Benefits are not payable for loss due to Cancer for 60 days after this Rider's Effective Date. If the Initial Diagnosis of Cancer is made during the Rider Waiting Period, the Covered Person has the option to cancel this Rider and receive a refund of all premiums paid.
212-Month Pre-Existing Period. A Pre-Existing Condition is a condition for which: medical advice or treatment was recommended by, or received from, a Doctor within the Pre-Existing Period shown above. Treatment includes being prescribed or taking prescription drugs or medicines. Pre-Existing Conditions are not covered during the first 12 months after the Rider Effective Date.
Benefits under this provision are limited to one (1) First Diagnosis Lump Sum Benefit payment per Covered Person's lifetime.
Must be under age 60 to apply and enroll. Covered Person and Dependent Spouse coverage ends at age 65. Dependent child coverage ends at age 26 or as otherwise defined in the Certificate.
Group Accident Only insurance is issued on Policy form series MP-1300 or MP-1400, Certificate form series GC-1300 or GC-1400, and Rider form series GRG15CR/GRG15HAS by Guarantee Trust Life Insurance Company (GTL), Glenview, IL. The Policy is issued to the United Business Association (UBA) and includes the following: exclusions, limitations, reductions of benefits, and terms of renewal and termination. Subject to state availability, variability, and GTL's right to increase premium rates.
Cancellation / Termination of Benefits/Renewability: Coverage terminates when UBA terminates the policy, your membership ceases, insurance ceases for your class, for non-payment of premium by UBA, or the date of fraud or misrepresentation of a material fact. The group policy terminates for non-payment of premium, if group participation requirements are not met or on any premium due date for any of the following reasons: fraud or misrepresentation of a material fact; failure of UBA to provide required information; or at GTL's option with 30 days notice. Notice of termination provided to UBA is considered notice of termination to all members and will not be sent to you individually by GTL. The policy automatically renews each policy anniversary until cancellation/termination.
Read the Certificate of Insurance carefully. This is a brief description and is not an insurance contract, nor part of the Certificate of Insurance. If there are any discrepancies between this description and the Certificate, the Certificate will govern.
Insurance coverage underwritten by Guarantee Trust Life Insurance Company.
[AAD101.33-19]
The Lump Sum Benefit will be paid if the Covered Person is Diagnosed with Heart Attack or Stroke after this Rider's Effective Date of coverage and while this Rider is in force, subject to the Waiting Period and Pre-Existing Period, if applicable.
160-Day Waiting Period. Benefits are not payable for loss due to a Covered Condition for 60 days after this Rider's Effective Date. If the Initial Diagnosis of Heart Attack or Stroke is made during the Rider Waiting Period, the Covered Person has the option to cancel this Rider and receive a refund of all premiums paid.
212-Month Pre-Existing Period. A Pre-Existing Condition is a condition for which: medical advice or treatment was recommended by, or received from, a Doctor within the Pre-Existing Period shown above. Treatment includes being prescribed or taking prescription drugs or medicines. Pre-Existing Conditions are not covered during the first 12 months after the Rider Effective Date.
Benefits under this provision are limited to one (1) First Diagnosis Lump Sum Benefit payment per Covered Person's lifetime.
Must be under age 60 to apply and enroll. Covered Person and Dependent Spouse coverage ends at age 65. Dependent child cvoerage ends at age 26 or as otherwise defined in the Certificate.
Group Accident Only insurance is issued on Policy form series MP-1300 or MP-1400, Certificate form series GC-1300 or GC-1400, and Rider form series GRG15CR/GRG15HAS by Guarantee Trust Life Insurance Company (GTL), Glenview, IL. The Policy is issued to the United Business Association (UBA) and includes the following: exclusions, limitations, reductions of benefits, and terms of renewal and termination. Subject to state availability, variability, and GTL's right to increase premium rates.
Cancellation / Termination of Benefits/Renewability: Coverage terminates when UBA terminates the policy, your membership ceases, insurance ceases for your class, for non-payment of premium by UBA, or the date of fraud or misrepresentation of a material fact. The group policy terminates for non-payment of premium, if group participation requirements are not met or on any premium due date for any of the following reasons: fraud or misrepresentation of a material fact; failure of UBA to provide required information; or at GTL's option with 30 days notice. Notice of termination provided to UBA is considered notice of termination to all members and will not be sent to you individually by GTL. The policy automatically renews each policy anniversary until cancellation/termination.
Read the Certificate of Insurance carefully. This is a brief description and is not an insurance contract, nor part of the Certificate of Insurance. If there are any discrepancies between this description and the Certificate, the Certificate will govern.
Insurance coverage underwritten by Guarantee Trust Life Insurance Company.
[AAD101.33-19]
The Sickness Lump Sum Hospital Benefit will be paid when a Covered Person is Hospital Confined as an inpatient for a Covered Sickness, subject to the Waiting Period and Pre-Existing Period, if applicable.
130-Day Waiting Period. Benefits are not payable for a Covered Sickness incurred during the first 30 days after this Rider's Effective Date.
212-Month Pre-Existing Period. A Pre-Existing Condition is a condition for which: medical advice or treatment was recommended by, or received from, a Docdtor within the Pre-Existing Period shown above. Treatment includes being prescribed or taking prescription drugs or medicines. Pre-Existing Conditions are not covered during the first 12 months after the Rider Effective Date.
Must be under age 60 to apply and enroll. Covered Person and Dependent Spouse coverage ends at age 65. Dependent child coverage ends at age 26 or as otherwise defined in the Certificate.
Group Accident Only insurance is issued on Policy form series MP-1300 or MP-1400, Certificate form series GC-1300 or GC-1400, and Rider form series GRG15CR/GRG15HAS by Guarantee Trust Life Insurance Company (GTL), Glenview, IL. The Policy is issued to the United Business Association (UBA) and includes the following: exclusions, limitations, reductions of benefits, and terms of renewal and termination. Subject to state availability, variability, and GTL's right to increase premium rates.
Cancellation / Termination of Benefits/Renewability: Coverage terminates when UBA terminates the policy, your membership ceases, insurance ceases for your class, for non-payment of premium by UBA, or the date of fraud or misrepresentation of a material fact. The group policy terminates for non-payment of premium, if group participation requirements are not met or on any premium due date for any of the following reasons: fraud or misrepresentation of a material fact; failure of UBA to provide required information; or at GTL's option with 30 days notice. Notice of termination provided to UBA is considered notice of termination to all members and will not be sent to you individually by GTL. The policy automatically renews each policy anniversary until cancellation/termination.
Read the Certificate of Insurance carefully. This is a brief description and is not an insurance contract, nor part of the Certificate of Insurance. If there are any discrepancies between this description and the Certificate, the Certificate will govern.
Insurance coverage underwritten by Guarantee Trust Life Insurance Company.
[AAD101.33-19]
Benefit payable for loss of life, limb, or physical ability due to a Covered Accident, according to the Schedule of Benefits shown below:
Pays up to $2,500 Principal Sum1 per Covered Accident
1Principal Sum will be reduced by 50% for Injury which occurs on or after a Covered Person's 65th birthday.
Benefits are payable for Losses that result from a covered Accident within 365 days from the date of the covered Accident.
Group Accident Only insurance is issued on Policy form series MP-1300 or MP-1400, Certificate form series GC-1300 or GC-1400, and Rider form series GRG15CR/GRG15HAS by Guarantee Trust Life Insurance Company (GTL), Glenview, IL. The Policy is issued to the United Business Association (UBA) and includes the following: exclusions, limitations, reductions of benefits, and terms of renewal and termination. Subject to state availability, variability, and GTL's right to increase premium rates.
Cancellation / Termination of Benefits/Renewability: Coverage terminates when UBA terminates the policy, your membership ceases, insurance ceases for your class, for non-payment of premium by UBA, or the date of fraud or misrepresentation of a material fact. The group policy terminates for non-payment of premium, if group participation requirements are not met or on any premium due date for any of the following reasons: fraud or misrepresentation of a material fact; failure of UBA to provide required information; or at GTL's option with 30 days notice. Notice of termination provided to UBA is considered notice of termination to all members and will not be sent to you individually by GTL. The policy automatically renews each policy anniversary until cancellation/termination.
Read the Certificate of Insurance carefully. This is a brief description and is not an insurance contract, nor part of the Certificate of Insurance. If there are any discrepancies between this description and the Certificate, the Certificate will govern.
Insurance coverage underwritten by Guarantee Trust Life Insurance Company.
[AAD101.33-19]
Pays a lump sum benefit amount upon the death of a covered person.
This insurance benefit is offered under Group Term Life Insurance, Policy form series GLMP-3002, Certificate form series GLC-3002 underwritten by Guarantee Trust Life Insurance Company (GTL), Glenview, IL. The Policy is issued to United Business Association (UBA) and includes the following: exclusions, limitations, reductions of benefits, and terms of renewal and termination. Subject to state availability, variability, and GTL's right to increase premium rates.
Members of an eligible class of the Association are eligible to receive these benefits. Coverage becomes effective on the date provided in your Membership material. Coverage is subject to termination in accordance with the Association Group Master Policy provisions. Notice of termination provided to the Association is considered notification to all Association Members and will not be sent to you individually by GTL.
The Death Benefit will be paid to the Beneficiary if a Covered Person dies while this Certificate is in force and before the Date Certificate Ends as stated in the Schedule of Benefits. Subject to the terms and provisions of this Certificate, the Death Benefit will be the amount of life insurance payable as shown on the Schedule of Benefits.
If a Death Benefit is paid for death of the Primary Member, this Certificate will terminate and coverage for any other enrolled family members will end.
SUICIDE EXCLUSION: If a Covered Person dies as the result of suicide or any attempt at suicide, while sane or insane within two years of his Effective Date of coverage, the insurance company will be liable only for an amount equal to the Premium paid. With respect to an increase in the amount of insurance, the insurance company will consider the two year period to begin as of the effective date of such increase. The return of such Premium will be in lieu of all other benefits under this Certificate which may have been payable for that Covered Person.
Read the Certificate of Insurance carefully. This is a brief description and is not an insurance contract, nor part of the Certificate of Insurance. If there are any discrepancies between this description and the Certificate, the Certificate will govern.
Insurance coverage underwritten by Guarantee Trust Life Insurance Company.
[AAD101.34-19]
Benefit Boost Services are NOT insurance. They are separate from the insurance benefits included in Gap 5+. The insurance companies underwriting the insurance benefits are not affiliated with these or any other non-insurance services or programs offered in conjunction with UBA Membership.
Receive medical care or professional counseling from the comfort and privacy of your own home or office with Lyric Virtual Visits.1
Lyric Virtual Visits is part of the Benefit Boost family of subscription membership programs.
THIS IS NOT AN INSURANCE PLAN
The program is avialable to member, spouse or domestic partner, and children age 2+ (if enrolled in Benefit Boost Subscription application or later added)
1Licensed healthcare providers provide clinical services through medical practices affiliated with Lyric and other network providers. Additional or different telehealth requirements may be applicable in certain states; visit getlyric.com for full terms and conditions.
2Lyric does not prescibe DEA controlled substances, lifestyle drugs, and certain other drugs which may be harmful because of their potential for abuse. Lyric does not guarantee that a prescription will be written. Lyric physicians reserve the right to deny care for potential misuse of services.
Discount Dental Disclosure
This plan is NOT insurance. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. Discounts on hospital services are not available in Maryland. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. The Discount Plan Organization Gallagher Affinity Insurance Services, Inc., at 2850 W. Golf Road, Rolling Meadows, IL 60008, 1-866-215-1376. To view a list of participating providers visit www.findbestbenefits.com and enter promo code 725324. You have the right to cancel this plan within 30 days of the effective date for a full refund of fees paid. Such refunds are issued within 30 days of request.
Members can save 15% to 50%1 per visit, in most instances, on services at any of the many available dental practice locations nationwide. Services include cleanings, x-rays, fillings, root canals and crowns.
Members can also save on specialty care services including orthodontics and periodontics where available.
| Service Procedure | Avg. Price | You Pay1 | Savings | % Saved |
|---|---|---|---|---|
| Dental Cleaning (Adult) | $130 | $69 | $61 | 47% |
| Dental Cleaning (Child) | $96 | $53 | $43 | 45% |
| Complete X-Rays | $174 | $89 | $85 | 49% |
| Root Canal (Anterior) | $906 | $548 | $358 | 40% |
| Complete Upper Denture | $1422 | $1025 | $397 | 28% |
THIS IS NOT INSURANCE
1Actual costs and savings may vary by provider, service and geographic location. We use the average of negotiated fees from participating providers to determine the average costs, as shown on the chart. The select regional average cost represents the average fees for the procedures listed above in Los Angeles, Orlando, Chicago and New York City, as displayed in the cost of care tool as of September 2021.
The discount program provides access to the Aetna Dental Access® network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent representive, or employee of the discount program. Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.
This benefit is not available in AK, CT, IA, MA, RI, UT, VT and WA. This benefit is not avialable to residents of Vermont.
Full terms, conditions and disclosures
Paramount RX® is a nationally recognized prescription discount program that provides discounts on all FDA approved prescription drugs. The nationwide network includes over 57,000 pharmacies, including all national and regional chains, as well as many local community pharmacies.
Members can save hundreds of dollars or more per year on pet medications with retail pharmacy and online discounts. Our Pet RX customer service team is also available to assist utilizing the program for maximum savings.
1 Savings can vary greatly depending on the individual drug and the participating pharmacy. The agreed upon discount rates and network prices can vary by pharmacy contract. It is important to research pharmacies in your community to find the best available price using the online search tool. In any case where the participating pharmacy's retail price is lower than the discounted network price, you will pay the lower retail price.
This is not insurance -- discount only.
There is no cost to the member for this FREE prescription discount card. Read the guide carefully. This is a brief description of a prescription discount program through Paramount RX® and is not an insurance contract. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c. 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. Not all services are available in all states.
This private-label program provides the same quality viatmins as are currently found on the shelves of pharmacies, supermarkets, and other retail outlets. The multi-vitamins your family will receive are one of the leading brands sold by healthcare professionals.
Multi-vitamins are available free of charge as a subscription service for members actively enrolled in Gap 5+.
Get the information you need to tackle a number of personal and family life events, without having to spend untold hours researching. The highly trained and experienced Resource Specialists at FamilySource® create customized solutions that help address your specific need, with expertise in a wide range of common-yet difficult issues such as child or elder care, adoption, home repair, education and housing needs.
FamilySource® is a registered trademark of ComPsych® Corporation
Identity theft is a crime in which someone accesses information to commit fraud, typically by getting false credentials, opening new accounts in someone else's name or using someone else's existing accounts.
There are a lot of ways identity theft can happen, and once hackers or other criminals have your information, they could impersonate you, max out your credit cards, open new accounts in your name, rent an apartment, steal your frequent-flyer miles or act out a number of other bad-guy fantasies.
LifeLock™ is a leader in identity theft protection, with three plan levels to choose from that:
*Discount rate and savings based on discount pricing and retail renewal pricing, as of January 2021.
Term and conditions apply. No one can prevent all cybercrime or prevent all identity theft. Visit LifeLock.com for terms, conditions, and limitations of LifeLock™ identity theft protection.
Norton and LifeLock are trademarks of NortonLifeLock Inc. United Business Association, Healthy America Insurance Agency, Inc, and H A Partners, Inc. are not a paid affiliates of LifeLock and does not receive any commission from LifeLock or NortonLifeLock Inc. UBA, HealthyAmerica, & H A Partners, Inc. are not liable for claims, damages, losses, expenses, costs, or liabilities whatsoever arising from or associated with identity theft protection services purchased through LifeLock.
THIS IS NOT MAJOR MEDICAL OR COMPREHENSIVE HEALTH INSURANCE. The insurance benefits included with Gap 5+ and described here provide LIMITED COVERAGE ONLY, intended to supplement comprehensive health insurance coverage. Gap 5+ is NOT a suitable alternative or replacement for comprehensive major medical isnurance, and does NOT provide minimum essential coverage in accordance with the Patient Protection and Affordable Care Act (ACA).
Current rate(s) for insurance coverage included in Gap 5+ and underwritten by Guarantee Trust Life Insurance Company:
Current subscription cost(s) for non-insurance benefits included in Gap 5+:
If for any reason you are not completely satisfied with your enrollment, just notify us anytime up to thirty (30) days after your Effective Date to cancel and receive a full refund of all dues, premiums, or fees paid.
Notice: for any enrollment in a program or plan that provides insurance benefits or coverage, enrollment costs cannot be refunded if an insurance claim has been filed.
This is a brief description of the benefits included with Gap 5+. Be sure to carefully review the Certificate(s) of Insurance, provided below, as the Certificate(s) provide the official explanations of insurance benefits specific to your state, and include all terms, conditions, limitations, and exclusions related to the insurance coverage. If there are any discrepancies between the benefit descriptions provided above and the Certificate, the Certificate will govern.
You must be a member of the United Business Association (UBA) in order to enroll in the supplemental Gap 5+ plan. Membership dues are $10 per month for the entire family and are separate from the Gap 5+ plan costs. View for Membership details.
$5,000 Accident Medical Expense Benefit
$5,000 Benefit for Cancer
$5,000 Benefit for Heart Attack or Stroke
$2,500 Sickness Hospitalization Benefit
$10,000 Group Term Life Insurance Benefit
$2,500 Accidental Death & Dismemberment Benefit
Lyric Virtual Doctor Visits (Virtual Urgent Care and Talk Therapy)
SML Dental Discount Program
Paramount RX® Prescription Drug Discount Program
FREE Adult Multi-Vitamins
LifeLock Identity Theft Discounts
Family Source®
Available States:
AL, AR, AZ, DC, DE, GA, IA, IL, MS, NE, OH, OK, SC, TX, VA, WI, WV & WY
Membership in HAA is required
1st and 15th Effective Dates available
*Plan Cost above does not include the required $15 per month HAA Membership dues. All plan costs above are monthly.
Cost Transparency:
- Current rate(s) for insurance coverage included in the HAA 5+ and underwritten by Guarantee Trust Life Insurance Company:
Cancer Lump Sum Benefit Rider
Limited Specified Disease Benefit Rider
Sickness Lump Sum Hospital Benefit Rider:
$29.49/mo for Member
$68.24/mo for Member+1
$68.24/mo for Family
$4.40/mo for Member
$4.40/mo for Member+1
$4.40/mo for Family
- Current subscription cost(s) for non-insurance benefits included in HAA 5+:
$40.00/mo for Member
$80.00/mo for Member+1
$100.00/mo for Family
HAA 5+ is designed to supplement your comprehensive health insurance plan for additional protection. ALL INSURANCE BENEFIT COMPONENTS PROVIDE LIMITED COVERAGE ONLY. THIS IS NOT COMPREHENSIVE MAJOR MEDICAL INSURANCE, and should not be purchased to replace any major medical insurance you currently have in force. HAA 5+ is optionally available to members of the Healthy America Association only.
Benefit payable for all Covered Charges incurred as a result of accidental injury as defined by the policy, up to the annual maximum benefit amount, per injury.
| Covered Charges | Maximum Benefit |
|---|---|
| Hospital Room & Board, & general nursing care | Up to the Policy Limits |
| Hospital miscellaneous expenses | Up to the Policy Limits |
| Doctor's Fees for surgery | Up to the Policy Limits |
| Anesthesia Services | Up to the Policy Limits |
| Doctor's Visits (per visit, inpatient & outpatient) | $75 |
| Hospital Emergency Care | $500 |
| X-ray and other diagnostic tests | $250 |
| Ambulance Expense | $250 |
| Prescription Drugs | $500 |
| Dental Treatment for Injury to Sound Natural Teeth | $250 |
| Physical Therapy per visit | $60 for first visit; $30 each visit thereafter |
| Durable Medical Equipment | $100 |
60-Day Initial Treatment Period. A Covered Person must seek initial treatment for an Accidental Injury within 60 days from the date of injury.
12-Month Benefit Period. Benefits are payable for expenses incurred due to the Accidental Injury for 12 months from the date of the Injury.
Group Accient Only insurance is issued on Policy form series MP-1300 or MP-1400, Certificate form series GC-1300 or GC-1400, and Rider form series GRG15CR/GRG15HAS by Guarantee Trust Life Insurance Company (GTL), Glenview, IL. The Policy is issued to the Healthy America Association (HAA) and includes the following: exclusions, limitations, reductions of benefits, and terms of renewal and termination. Subject to state availability, variability, and GTL's right to increase premium rates.
Cancellation / Termination of Benefits/Renewability: Coverage terminates when HAA terminates the policy, your membership ceases, insurance ceases for your class, for non-payment of premium by HAA, or the date of fraud or misrepresentation of a material fact. The group policy terminates for non-payment of premium, if group participation requirements are not met or on any premium due date for any of the following reasons: fraud or misrepresentation of a material fact; failure of HAA to provide required information; or at GTL's option with 30 days notice. Notice of termination provided to HAA is considered notice of termination to all members and will not be sent to you individually by GTL. The policy automatically renews each policy anniversary until cancellation/termination.
Read the Certificate of Insurance carefully. This is a brief description and is not an insurance contract, nor part of the Certificate of Insurance. If there are any discrepancies between this description and the Certificate, the Certificate will govern.
BENEFITS ARE NOT PAYABLE FOR LOSS DUE TO SICKNESS. THE GROUP ACCIDENT ONLY POLICY PAYS BENEFITS FOR SPECIFIC LOSSES FROM ACCIDENTS ONLY.
Please read the full terms, definitions, limitations, and exclusions in your Group Policy and Certificate of Insurance. Coverage could vary or may not be available in all states.
Insurance coverage underwritten by Guarantee Trust Life Insurance Company.
[AAD16.7-23]
The Cancer Lump Sum Benefit will be paid if the Covered Person is Diagnosed with Cancer after this Rider's Effective Date of coverage and while this Rider is in force, subject to the Waiting Period and Pre-Existing Period, if applicable.
160-Day Waiting Period. Benefits are not payable for loss due to Cancer for 60 days after this Rider's Effective Date. If the Initial Diagnosis of Cancer is made during the Rider Waiting Period, the Covered Person has the option to cancel this Rider and receive a refund of all premiums paid.
212-Month Pre-Existing Period. A Pre-Existing Condition is a condition for which: medical advice or treatment was recommended by, or received from, a Doctor within the Pre-Existing Period shown above. Treatment includes being prescribed or taking prescription drugs or medicines. Pre-Existing Conditions are not covered during the first 12 months after the Rider Effective Date.
Benefits under this provision are limited to one (1) First Diagnosis Lump Sum Benefit payment per Covered Person's lifetime.
Must be under age 60 to apply and enroll. Covered Person and Dependent Spouse coverage ends at age 65. Dependent child coverage ends at age 26 or as otherwise defined in the Certificate.
Group Accident Only insurance is issued on Policy form series MP-1300 or MP-1400, Certificate form series GC-1300 or GC-1400, and Rider form series GRG15CR/GRG15HAS by Guarantee Trust Life Insurance Company (GTL), Glenview, IL. The Policy is issued to the Healthy America Association (HAA) and includes the following: exclusions, limitations, reductions of benefits, and terms of renewal and termination. Subject to state availability, variability, and GTL's right to increase premium rates.
Cancellation / Termination of Benefits/Renewability: Coverage terminates when HAA terminates the policy, your membership ceases, insurance ceases for your class, for non-payment of premium by HAA, or the date of fraud or misrepresentation of a material fact. The group policy terminates for non-payment of premium, if group participation requirements are not met or on any premium due date for any of the following reasons: fraud or misrepresentation of a material fact; failure of HAA to provide required information; or at GTL's option with 30 days notice. Notice of termination provided to HAA is considered notice of termination to all members and will not be sent to you individually by GTL. The policy automatically renews each policy anniversary until cancellation/termination.
Read the Certificate of Insurance carefully. This is a brief description and is not an insurance contract, nor part of the Certificate of Insurance. If there are any discrepancies between this description and the Certificate, the Certificate will govern.
Insurance coverage underwritten by Guarantee Trust Life Insurance Company.
[AAD16.7-23]
The Lump Sum Benefit will be paid if the Covered Person is Diagnosed with Heart Attack or Stroke after this Rider's Effective Date of coverage and while this Rider is in force, subject to the Waiting Period and Pre-Existing Period, if applicable.
160-Day Waiting Period. Benefits are not payable for loss due to a Covered Condition for 60 days after this Rider's Effective Date. If the Initial Diagnosis of Heart Attack or Stroke is made during the Rider Waiting Period, the Covered Person has the option to cancel this Rider and receive a refund of all premiums paid.
212-Month Pre-Existing Period. A Pre-Existing Condition is a condition for which: medical advice or treatment was recommended by, or received from, a Doctor within the Pre-Existing Period shown above. Treatment includes being prescribed or taking prescription drugs or medicines. Pre-Existing Conditions are not covered during the first 12 months after the Rider Effective Date.
Benefits under this provision are limited to one (1) First Diagnosis Lump Sum Benefit payment per Covered Person's lifetime.
Must be under age 60 to apply and enroll. Covered Person and Dependent Spouse coverage ends at age 65. Dependent child cvoerage ends at age 26 or as otherwise defined in the Certificate.
Group Accident Only insurance is issued on Policy form series MP-1300 or MP-1400, Certificate form series GC-1300 or GC-1400, and Rider form series GRG15CR/GRG15HAS by Guarantee Trust Life Insurance Company (GTL), Glenview, IL. The Policy is issued to the Healthy America Association (HAA) and includes the following: exclusions, limitations, reductions of benefits, and terms of renewal and termination. Subject to state availability, variability, and GTL's right to increase premium rates.
Cancellation / Termination of Benefits/Renewability: Coverage terminates when HAA terminates the policy, your membership ceases, insurance ceases for your class, for non-payment of premium by HAA, or the date of fraud or misrepresentation of a material fact. The group policy terminates for non-payment of premium, if group participation requirements are not met or on any premium due date for any of the following reasons: fraud or misrepresentation of a material fact; failure of HAA to provide required information; or at GTL's option with 30 days notice. Notice of termination provided to HAA is considered notice of termination to all members and will not be sent to you individually by GTL. The policy automatically renews each policy anniversary until cancellation/termination.
Read the Certificate of Insurance carefully. This is a brief description and is not an insurance contract, nor part of the Certificate of Insurance. If there are any discrepancies between this description and the Certificate, the Certificate will govern.
Insurance coverage underwritten by Guarantee Trust Life Insurance Company.
[AAD16.7-23]
The Sickness Lump Sum Hospital Benefit will be paid when a Covered Person is Hospital Confined as an inpatient for a Covered Sickness, subject to the Waiting Period and Pre-Existing Period, if applicable.
130-Day Waiting Period. Benefits are not payable for a Covered Sickness incurred during the first 30 days after this Rider's Effective Date.
212-Month Pre-Existing Period. A Pre-Existing Condition is a condition for which: medical advice or treatment was recommended by, or received from, a Docdtor within the Pre-Existing Period shown above. Treatment includes being prescribed or taking prescription drugs or medicines. Pre-Existing Conditions are not covered during the first 12 months after the Rider Effective Date.
Must be under age 60 to apply and enroll. Covered Person and Dependent Spouse coverage ends at age 65. Dependent child coverage ends at age 26 or as otherwise defined in the Certificate.
Group Accident Only insurance is issued on Policy form series MP-1300 or MP-1400, Certificate form series GC-1300 or GC-1400, and Rider form series GRG15CR/GRG15HAS by Guarantee Trust Life Insurance Company (GTL), Glenview, IL. The Policy is issued to the Healthy America Association (HAA) and includes the following: exclusions, limitations, reductions of benefits, and terms of renewal and termination. Subject to state availability, variability, and GTL's right to increase premium rates.
Cancellation / Termination of Benefits/Renewability: Coverage terminates when HAA terminates the policy, your membership ceases, insurance ceases for your class, for non-payment of premium by HAA, or the date of fraud or misrepresentation of a material fact. The group policy terminates for non-payment of premium, if group participation requirements are not met or on any premium due date for any of the following reasons: fraud or misrepresentation of a material fact; failure of HAA to provide required information; or at GTL's option with 30 days notice. Notice of termination provided to HAA is considered notice of termination to all members and will not be sent to you individually by GTL. The policy automatically renews each policy anniversary until cancellation/termination.
Read the Certificate of Insurance carefully. This is a brief description and is not an insurance contract, nor part of the Certificate of Insurance. If there are any discrepancies between this description and the Certificate, the Certificate will govern.
Insurance coverage underwritten by Guarantee Trust Life Insurance Company.
[AAD16.7-23]
Benefit payable for loss of life, limb, or physical ability due to a Covered Accident, according to the Schedule of Benefits shown below:
Pays up to $2,500 Principal Sum1 per Covered Accident
1Principal Sum will be reduced by 50% for Injury which occurs on or after a Covered Person's 65th birthday.
Benefits are payable for Losses that result from a covered Accident within 365 days from the date of the covered Accident.
Group Accident Only insurance is issued on Policy form series MP-1300 or MP-1400, Certificate form series GC-1300 or GC-1400, and Rider form series GRG15CR/GRG15HAS by Guarantee Trust Life Insurance Company (GTL), Glenview, IL. The Policy is issued to the Healthy America Association (HAA) and includes the following: exclusions, limitations, reductions of benefits, and terms of renewal and termination. Subject to state availability, variability, and GTL's right to increase premium rates.
Cancellation / Termination of Benefits/Renewability: Coverage terminates when HAA terminates the policy, your membership ceases, insurance ceases for your class, for non-payment of premium by UBA, or the date of fraud or misrepresentation of a material fact. The group policy terminates for non-payment of premium, if group participation requirements are not met or on any premium due date for any of the following reasons: fraud or misrepresentation of a material fact; failure of HAA to provide required information; or at GTL's option with 30 days notice. Notice of termination provided to HAA is considered notice of termination to all members and will not be sent to you individually by GTL. The policy automatically renews each policy anniversary until cancellation/termination.
Read the Certificate of Insurance carefully. This is a brief description and is not an insurance contract, nor part of the Certificate of Insurance. If there are any discrepancies between this description and the Certificate, the Certificate will govern.
Insurance coverage underwritten by Guarantee Trust Life Insurance Company.
[AAD16.7-23]
Pays a lump sum benefit amount upon the death of a covered person.
This insurance benefit is offered under Group Term Life Insurance, Policy form series GLMP-3002, Certificate form series GLC-3002 underwritten by Guarantee Trust Life Insurance Company (GTL), Glenview, IL. The Policy is issued to United Business Association (UBA) and includes the following: exclusions, limitations, reductions of benefits, and terms of renewal and termination. Subject to state availability, variability, and GTL's right to increase premium rates.
Members of an eligible class of the Association are eligible to receive these benefits. Coverage becomes effective on the date provided in your Membership material. Coverage is subject to termination in accordance with the Association Group Master Policy provisions. Notice of termination provided to the Association is considered notification to all Association Members and will not be sent to you individually by GTL.
The Death Benefit will be paid to the Beneficiary if a Covered Person dies while this Certificate is in force and before the Date Certificate Ends as stated in the Schedule of Benefits. Subject to the terms and provisions of this Certificate, the Death Benefit will be the amount of life insurance payable as shown on the Schedule of Benefits.
If a Death Benefit is paid for death of the Primary Member, this Certificate will terminate and coverage for any other enrolled family members will end.
SUICIDE EXCLUSION: If a Covered Person dies as the result of suicide or any attempt at suicide, while sane or insane within two years of his Effective Date of coverage, the insurance company will be liable only for an amount equal to the Premium paid. With respect to an increase in the amount of insurance, the insurance company will consider the two year period to begin as of the effective date of such increase. The return of such Premium will be in lieu of all other benefits under this Certificate which may have been payable for that Covered Person.
Read the Certificate of Insurance carefully. This is a brief description and is not an insurance contract, nor part of the Certificate of Insurance. If there are any discrepancies between this description and the Certificate, the Certificate will govern.
Insurance coverage underwritten by Guarantee Trust Life Insurance Company.
[AAD16.6-23]
Benefit Boost Services are NOT insurance. They are separate from the insurance benefits included in HAA 5+. The insurance companies underwriting the insurance benefits are not affiliated with these or any other non-insurance services or programs offered in conjunction with UBA Membership.
Receive medical care or professional counseling from the comfort and privacy of your own home or office with Lyric Virtual Visits.1
Lyric Virtual Visits is part of the Benefit Boost family of subscription membership programs.
THIS IS NOT AN INSURANCE PLAN
The program is avialable to member, spouse or domestic partner, and children age 2+ (if enrolled in Benefit Boost Subscription application or later added)
1Licensed healthcare providers provide clinical services through medical practices affiliated with Lyric and other network providers. Additional or different telehealth requirements may be applicable in certain states; visit getlyric.com for full terms and conditions.
2Lyric does not prescibe DEA controlled substances, lifestyle drugs, and certain other drugs which may be harmful because of their potential for abuse. Lyric does not guarantee that a prescription will be written. Lyric physicians reserve the right to deny care for potential misuse of services.
Discount Dental Disclosure
This plan is NOT insurance. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. Discounts on hospital services are not available in Maryland. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. The Discount Plan Organization Gallagher Affinity Insurance Services, Inc., at 2850 W. Golf Road, Rolling Meadows, IL 60008, 1-866-215-1376. To view a list of participating providers visit www.findbestbenefits.com and enter promo code 725324. You have the right to cancel this plan within 30 days of the effective date for a full refund of fees paid. Such refunds are issued within 30 days of request.
Members can save 15% to 50%1 per visit, in most instances, on services at any of the many available dental practice locations nationwide. Services include cleanings, x-rays, fillings, root canals and crowns.
Members can also save on specialty care services including orthodontics and periodontics where available.
| Service Procedure | Avg. Price | You Pay1 | Savings | % Saved |
|---|---|---|---|---|
| Dental Cleaning (Adult) | $130 | $69 | $61 | 47% |
| Dental Cleaning (Child) | $96 | $53 | $43 | 45% |
| Complete X-Rays | $174 | $89 | $85 | 49% |
| Root Canal (Anterior) | $906 | $548 | $358 | 40% |
| Complete Upper Denture | $1422 | $1025 | $397 | 28% |
THIS IS NOT INSURANCE
1Actual costs and savings may vary by provider, service and geographic location. We use the average of negotiated fees from participating providers to determine the average costs, as shown on the chart. The select regional average cost represents the average fees for the procedures listed above in Los Angeles, Orlando, Chicago and New York City, as displayed in the cost of care tool as of September 2021.
The discount program provides access to the Aetna Dental Access® network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent representive, or employee of the discount program. Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.
This benefit is not available in AK, CT, IA, MA, RI, UT, VT and WA. This benefit is not avialable to residents of Vermont.
Full terms, conditions and disclosures
Paramount RX® is a nationally recognized prescription discount program that provides discounts on all FDA approved prescription drugs. The nationwide network includes over 57,000 pharmacies, including all national and regional chains, as well as many local community pharmacies.
Members can save hundreds of dollars or more per year on pet medications with retail pharmacy and online discounts. Our Pet RX customer service team is also available to assist utilizing the program for maximum savings.
1 Savings can vary greatly depending on the individual drug and the participating pharmacy. The agreed upon discount rates and network prices can vary by pharmacy contract. It is important to research pharmacies in your community to find the best available price using the online search tool. In any case where the participating pharmacy's retail price is lower than the discounted network price, you will pay the lower retail price.
This is not insurance -- discount only.
There is no cost to the member for this FREE prescription discount card. Read the guide carefully. This is a brief description of a prescription discount program through Paramount RX® and is not an insurance contract. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c. 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. Not all services are available in all states.
This private-label program provides the same quality viatmins as are currently found on the shelves of pharmacies, supermarkets, and other retail outlets. The multi-vitamins your family will receive are one of the leading brands sold by healthcare professionals.
Multi-vitamins are available free of charge as a subscription service for members actively enrolled in HAA 5+.
Get the information you need to tackle a number of personal and family life events, without having to spend untold hours researching. The highly trained and experienced Resource Specialists at FamilySource® create customized solutions that help address your specific need, with expertise in a wide range of common-yet difficult issues such as child or elder care, adoption, home repair, education and housing needs.
FamilySource® is a registered trademark of ComPsych® Corporation
Identity theft is a crime in which someone accesses information to commit fraud, typically by getting false credentials, opening new accounts in someone else's name or using someone else's existing accounts.
There are a lot of ways identity theft can happen, and once hackers or other criminals have your information, they could impersonate you, max out your credit cards, open new accounts in your name, rent an apartment, steal your frequent-flyer miles or act out a number of other bad-guy fantasies.
LifeLock™ is a leader in identity theft protection, with three plan levels to choose from that:
*Discount rate and savings based on discount pricing and retail renewal pricing, as of January 2021.
Term and conditions apply. No one can prevent all cybercrime or prevent all identity theft. Visit LifeLock.com for terms, conditions, and limitations of LifeLock™ identity theft protection.
Norton and LifeLock are trademarks of NortonLifeLock Inc. Healthy America Association, Healthy America Insurance Agency, Inc, and H A Partners, Inc. are not a paid affiliates of LifeLock and does not receive any commission from LifeLock or NortonLifeLock Inc. HAA, HealthyAmerica, & H A Partners, Inc. are not liable for claims, damages, losses, expenses, costs, or liabilities whatsoever arising from or associated with identity theft protection services purchased through LifeLock.
THIS IS NOT MAJOR MEDICAL OR COMPREHENSIVE HEALTH INSURANCE. The insurance benefits included with HAA 5+ and described here provide LIMITED COVERAGE ONLY, intended to supplement comprehensive health insurance coverage. HAA 5+ is NOT a suitable alternative or replacement for comprehensive major medical isnurance, and does NOT provide minimum essential coverage in accordance with the Patient Protection and Affordable Care Act (ACA).
Current rate(s) for insurance coverage included in HAA 5+ and underwritten by Guarantee Trust Life Insurance Company:
Current subscription cost(s) for non-insurance benefits included in HAA 5+:
If for any reason you are not completely satisfied with your enrollment, just notify us anytime up to thirty (30) days after your Effective Date to cancel and receive a full refund of all dues, premiums, or fees paid.
Notice: for any enrollment in a program or plan that provides insurance benefits or coverage, enrollment costs cannot be refunded if an insurance claim has been filed.
This is a brief description of the benefits included with HAA 5+. Be sure to carefully review the Certificate(s) of Insurance, provided below, as the Certificate(s) provide the official explanations of insurance benefits specific to your state, and include all terms, conditions, limitations, and exclusions related to the insurance coverage. If there are any discrepancies between the benefit descriptions provided above and the Certificate, the Certificate will govern.
You must be a member of the Healthy America Association (HAA) in order to enroll in the supplemental HAA 5+ plan. Membership dues are $15 per month for the entire family and are separate from the HAA 5+ plan costs. View for Membership details.
| State | Certificate of Insurance |
|---|---|
| Alabama | View Alabama HAA 5+ Individual Certificate |
| Arkansas | View Arkansas HAA 5+ Individual Certificate |
| Arizona | View Arizona HAA 5+ Individual Certiicate |
| Delaware | View Delaware HAA 5+ Individual Certificate |
| District of Columbia (DC) | View (DC) HAA 5+ Individual Certificate |
| Georgia | View Georgia HAA 5+ Individual Certificate |
| Illinois | View Illinois HAA 5+ Individual Certificate |
| Iowa | View Iowa HAA 5+ Individual Certificate |
| Mississippi | View Mississippi HAA 5+ Individual Certificate |
| Nebraska | View Nebraska HAA 5+ Individual Certificate |
| Ohio | View Ohio HAA 5+ Individual Certificate |
| Oklahoma | View Oklahoma HAA 5+ Individual Certificate |
| South Carolina | View South Carolina HAA 5+ Individual Certificate |
| Texas | View Texas HAA 5+ Individual Certificate |
| Virginia | View Virginia HAA 5+ Individual Certificate |
| West Virginia | View West Virginia HAA 5+ Individual Certificate |
| Wisconsin | View Wisconsin HAA 5+ Individual Certificate |
| Wyoming | View Wyoming HAA 5+ Individual Certificate |
$25,000 Blanket Group Accident Insurance
$25,000 Critical Illness Benefit
$500 Daily ER Benefit
$125 Physician Office Visit Benefit
$5,000 Accidental Death & Dismemberment Benefit
Lyric Virtual Doctor Visits (Virtual Urgent Care and Talk Therapy)
SML Dental Discount Program
Paramount RX® Prescription Drug Discount Program
FREE Adult Multi-Vitamins
LifeLock Identity Theft Discounts
Family Source®
Available States:
AL, AR, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KY, LA, MI, MO, MS, NC, ND, NE, NV, OH, OK, RI, TN, TX, VA, WI, WV & WY
Membership in UBA is required
1st and 15th Effective Dates available
*Plan Cost above does not include the required $10 per month UBA Membership dues. All plan costs above are monthly.
Cost Transparency:
- Current rate(s) for insurance coverage included in the Gap Edge+ and underwritten by SiriusPoint America Insurance Company:
$8.54/mo for Member
$17.07/mo for Member+1
$32.18/mo for Family
$15.45/mo for Member
$30.90/mo for Member+1
$10.85/mo for Member
$23.44/mo for Member+1
$36.73/mo for Family
- Current subscription cost(s) for non-insurance benefits included in Gap Edge+:
$40.00/mo for Member
$80.00/mo for Member+1
$100.00/mo for Family
Gap Edge+ is designed to supplement your comprehensive health insurance plan for additional protection. ALL INSURANCE BENEFIT COMPONENTS PROVIDE LIMITED COVERAGE ONLY. THIS IS NOT COMPREHENSIVE MAJOR MEDICAL INSURANCE, and should not be purchased to replace any major medical insurance you currently have in force. Gap Edge+ is optionally available to members of the United Business Association only.
This fixed indemnity policy may pay you a limited dollar amount if you're sick or hospitalized. You're still responsible for paying the cost of your care.
Benefit payable for Covered Expenses incurred as a result of accidental injury, up to the maximum benefit amount, per Covered Person, per year: 1)after the Covered Person satisfies any Deductible; and 2) only when they are in excess of amounts payable by any other Health Care Plan, whether or not a claim has been made for benefits it provides.
Benefits will be paid without regard to any Coordination of Benefits provision in such Health Care Plan.
Available to all active members of the United Business Association (UBA), ages 18-79 who have chosen to enroll themselves in the Gap Edge+ Plan option and their enrolled Spouse up to age 70 as well as their enrolled dependent children. The member must be enrolled prior to their 65th birthday.
90-Day Loss Period. First Expense must be incurred within 90 days of the Covered Accident or Injury.
365-Day Benefit Period. Benefits are payable for Expenses incurred for 365 days from the date of the Covered Accident or Injury, provided the injury occurs prior to the Expiration Date and the Covered Person receives Appropriate Treatment.
Any Covered Expenses payable under this provision will be reduced by the amount any other Health Care Plan would have paid had its services or facilities been utilized, if: 1) the Covered Person has coverage under another Health Care Plan; and 2) the other Health Care Plan is an HMO, PPO or similar arrangement; and 3) the Covered Person does not use the facilities or services of the HMO, PPO, or similar arrangement.
When another Health Care Plan provides benefits in the form of services rather than cash payments, the reasonable cash value of such service will be considered in determining whether any Deductible has been satisfied, or any amount for which any benefit provided by the Policy will be reduced.
Covered Expenses payable will not be reduced for emergency treatment within 24 hours after a Covered Accident which occurred outside the geographic service are of the HMO, PPO or similar arrangement.
BENEFITS ARE NOT PAYABLE FOR LOSS DUE TO SICKNESS. THE BLANKET ACCIDENT POLICY PAYS BENEFITS FOR SPECIFIC LOSSES FROM ACCIDENTS ONLY.
Please read the full terms, definitions, limitations, and exclusions in your Group Policy and Certificate of Insurance. Coverage could vary or may not be available in all states.
Insurance coverage underwritten by SiriusPoint America Insurance Company.
[HASA-BAM-1000]
A benefit will be paid for any of the Covered Losses shown below, subject to all applicable conditions and exclusions, if the Covered Person suffers a Covered Loss that results, directly and independently of all other causes, from a Covered Accident within 365 days of the date the Covered Accident occurs.
Pays up to $5,000 per Covered Person
If the Covered Person sustains more than one Covered Loss as a result of the same Covered Accident, the Covered Loss for which the largest benefit is payable will be the benefit that is paid.
Available to all active members of the United Business Association, ages 18-79 who are enrolled in the Gap Edge+ and their enrolled Spouse up to age 70 as well as their enrolled dependent children. The member must be enrolled prior to their 65th birthday.
Please make sure to read the full terms, definitions, limitations, and exclusions in the Certificate of Insurance. Coverage could vary or may not be available in all states.
Insurance coverage underwritten by SiriusPoint America Insurance Company.
[HASA-BAM-1000]
Lump-Sum Benefit will be payable as shown below, to a Covered Person who is diagnosed by a Physician with a Covered Critical Illness (Heart Attack, Stroke, or Invasive Cancer), subject to all applicable conditions, exclusions and limitations, provided that: 1)the Critical Illness occurs and is diagnosed after the Covered Person's effetcive date of insurance; and 2) coverage of the Covered Person is in force under the Policy and Certificate.
Claims for benefits shall be administered based on the Certificate of Insurance. When a Critical Illness for which benefits are provided under the Policy and the Certificate of Insurance is contributed to or caused by another Critical Illness, only one benefit will be paid. The benefit paid will be the larger of the two. If the benefits are equal, the Covered Person may choose the benefit to be paid. Carefully read your Certificate of Insurance to view full definitions, limitations, exclusions and terms of coverage.
Coverage is available to active members of the Association ages 18-64 and is available only to Covered Member and their eligible spouse. Coverage ends at age 65.
This coverage is not available to dependent children.
Please make sure to read the full terms, definitions, limitations, and exclusions in your Certificate of Insurance. To qualify as a Covered Critical Illness, it must meet all qualifications outlined in the definition. Coverage could vary or may not be available in all states.
Insurance coverage underwritten by SiriusPoint America Insurance Company.
[HASA-1000]
Benefit payable for each day a Covered Person receives emergency care for a Sickness, Accident, or Injury during an Emergency Room visit.
Available to all active members of the United Business Association, ages 18-64 who have chosen to enroll themselves in the Gap Edge+ plan option and their enrolled Spouse up to age 65 as well as their enrolled dependent children. Member and Dependent coverage ends when the Member is age 65.
"Coverage Year" means a period beginning on the Primary Covered Person's Certificate Effective Date and ending 12 months after that date. Successive Coverage Years will begin after the first Coverage Year, each extending for 12-Month periods, provided that the Primary Covered Person does not terminated His coverage within the same Coverage Year. If the Primary Covered Person terminates His coverage during a Coverage Year and re-enrolls for coverage under a new certificate within the same Coverage Year, all benefits, benefit limits and benefit maximums will be those that applied to Him under the previously terminated certificate. In this case, a new Coverage Year will begin for the Primary Covered Person after He has been insured under the new certificate for a period of 12 months.
Please make sure to read the full terms, definitions, limitations, and exclusions in your Group Hospital Indemnity Insurance Policy and Certificate of Insurance. Coverage could vary or may not be available in all states.
Insurance coverage underwritten by SiriusPoint America Insurance Company.
[HASA-HI-1000]
Pays the benefit amount each visit made by a Covered Person to a Physician's Office or a licensed Urgent Care Facility to receive care or treatment or a Sickness, an Accident or an Injury.
Available to all active members of the United Business Association, ages 18-64 who ahve chosen to enroll themselves in the Gap Edge+ plan option and their enrolled Spouse up to age 64 as well as their enrolled dependent children. Member and Dependent coverage ends when the Member is age 65.
"Coverage Year" means a period beginning on the Primary Covered Person's Certificate Effective Date and ending 12 months after that date. Successive Coverage Years will begin after the first Coverage Year, each extending for 12-Month periods, provided that the Primary Covered Person does not terminated His coverage within the same Coverage Year. If the Primary Covered Person terminates His coverage during a Coverage Year and re-enrolls for coverage under a new certificate within the same Coverage Year, all benefits, benefit limits and benefit maximums will be those that applied to Him under the previously terminated certificate. In this case, a new Coverage Year will begin for the Primary Covered Person after He has been insured under the new certificate for a period of 12 months.
Please make sure to read the full terms, definitions, limitations, and exclusions in your Group Hospital Indemnity Insurance Policy and Certificate of Insurance. Coverage could vary or may not be available in all states.
Insurance coverage underwritten by SiriusPoint America Insurance Company.
[HASA-HI-1000]
Benefit Boost Services are NOT insurance. They are separate from the insurance benefits included in Gap Edge+. The insurance companies underwriting the insurance benefits are not affiliated with these or any other non-insurance services or programs offered in conjunction with UBA Membership.
Receive medical care or professional counseling from the comfort and privacy of your own home or office with Lyric Virtual Visits.1
Lyric Virtual Visits is part of the Benefit Boost family of subscription membership programs.
THIS IS NOT AN INSURANCE PLAN
The program is avialable to member, spouse or domestic partner, and children age 2+ (if enrolled in Benefit Boost Subscription application or later added)
1Licensed healthcare providers provide clinical services through medical practices affiliated with Lyric and other network providers. Additional or different telehealth requirements may be applicable in certain states; visit getlyric.com for full terms and conditions.
2Lyric does not prescibe DEA controlled substances, lifestyle drugs, and certain other drugs which may be harmful because of their potential for abuse. Lyric does not guarantee that a prescription will be written. Lyric physicians reserve the right to deny care for potential misuse of services.
Discount Dental Disclosure
This plan is NOT insurance. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. Discounts on hospital services are not available in Maryland. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. The Discount Plan Organization Gallagher Affinity Insurance Services, Inc., at 2850 W. Golf Road, Rolling Meadows, IL 60008, 1-866-215-1376. To view a list of participating providers visit www.findbestbenefits.com and enter promo code 725324. You have the right to cancel this plan within 30 days of the effective date for a full refund of fees paid. Such refunds are issued within 30 days of request.
Members can save 15% to 50%1 per visit, in most instances, on services at any of the many available dental practice locations nationwide. Services include cleanings, x-rays, fillings, root canals and crowns.
Members can also save on specialty care services including orthodontics and periodontics where available.
| Service Procedure | Avg. Price | You Pay1 | Savings | % Saved |
|---|---|---|---|---|
| Dental Cleaning (Adult) | $130 | $69 | $61 | 47% |
| Dental Cleaning (Child) | $96 | $53 | $43 | 45% |
| Complete X-Rays | $174 | $89 | $85 | 49% |
| Root Canal (Anterior) | $906 | $548 | $358 | 40% |
| Complete Upper Denture | $1422 | $1025 | $397 | 28% |
THIS IS NOT INSURANCE
1Actual costs and savings may vary by provider, service and geographic location. We use the average of negotiated fees from participating providers to determine the average costs, as shown on the chart. The select regional average cost represents the average fees for the procedures listed above in Los Angeles, Orlando, Chicago and New York City, as displayed in the cost of care tool as of September 2021.
The discount program provides access to the Aetna Dental Access® network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent representive, or employee of the discount program. Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.
This benefit is not available in AK, CT, IA, MA, RI, UT, VT and WA. This benefit is not avialable to residents of Vermont.
Full terms, conditions and disclosures
Paramount RX® is a nationally recognized prescription discount program that provides discounts on all FDA approved prescription drugs. The nationwide network includes over 57,000 pharmacies, including all national and regional chains, as well as many local community pharmacies.
Members can save hundreds of dollars or more per year on pet medications with retail pharmacy and online discounts. Our Pet RX customer service team is also available to assist utilizing the program for maximum savings.
1 Savings can vary greatly depending on the individual drug and the participating pharmacy. The agreed upon discount rates and network prices can vary by pharmacy contract. It is important to research pharmacies in your community to find the best available price using the online search tool. In any case where the participating pharmacy's retail price is lower than the discounted network price, you will pay the lower retail price.
This is not insurance -- discount only.
There is no cost to the member for this FREE prescription discount card. Read the guide carefully. This is a brief description of a prescription discount program through Paramount RX® and is not an insurance contract. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c. 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. Not all services are available in all states.
This private-label program provides the same quality viatmins as are currently found on the shelves of pharmacies, supermarkets, and other retail outlets. The multi-vitamins your family will receive are one of the leading brands sold by healthcare professionals.
Multi-vitamins are available free of charge as a subscription service for members actively enrolled in Gap Edge+.
Get the information you need to tackle a number of personal and family life events, without having to spend untold hours researching. The highly trained and experienced Resource Specialists at FamilySource® create customized solutions that help address your specific need, with expertise in a wide range of common-yet difficult issues such as child or elder care, adoption, home repair, education and housing needs.
FamilySource® is a registered trademark of ComPsych® Corporation
Identity theft is a crime in which someone accesses information to commit fraud, typically by getting false credentials, opening new accounts in someone else's name or using someone else's existing accounts.
There are a lot of ways identity theft can happen, and once hackers or other criminals have your information, they could impersonate you, max out your credit cards, open new accounts in your name, rent an apartment, steal your frequent-flyer miles or act out a number of other bad-guy fantasies.
LifeLock™ is a leader in identity theft protection, with three plan levels to choose from that:
*Discount rate and savings based on discount pricing and retail renewal pricing, as of January 2021.
Term and conditions apply. No one can prevent all cybercrime or prevent all identity theft. Visit LifeLock.com for terms, conditions, and limitations of LifeLock™ identity theft protection.
Norton and LifeLock are trademarks of NortonLifeLock Inc. United Business Association, Healthy America Insurance Agency, Inc, and H A Partners, Inc. are not a paid affiliates of LifeLock and does not receive any commission from LifeLock or NortonLifeLock Inc. UBA, HealthyAmerica, & H A Partners, Inc. are not liable for claims, damages, losses, expenses, costs, or liabilities whatsoever arising from or associated with identity theft protection services purchased through LifeLock.
THIS IS NOT MAJOR MEDICAL OR COMPREHENSIVE HEALTH INSURANCE. The insurance benefits included with Gap Edge+ and described here provide LIMITED COVERAGE ONLY, intended to supplement comprehensive health insurance coverage. Gap Edge+ is NOT a suitable alternative or replacement for comprehensive major medical isnurance, and does NOT provide minimum essential coverage in accordance with the Patient Protection and Affordable Care Act (ACA).
Current rate(s) for insurance coverage included in Gap Edge+ and underwritten by SiriusPoint America Insurance Company:
Current subscription cost(s) for non-insurance benefits included in Gap Edge+:
If for any reason you are not completely satisfied with your enrollment, just notify us anytime up to thirty (30) days after your Effective Date to cancel and receive a full refund of all dues, premiums, or fees paid.
Notice: for any enrollment in a program or plan that provides insurance benefits or coverage, enrollment costs cannot be refunded if an insurance claim has been filed.
This is a brief description of the benefits included with Gap Edge+. Be sure to carefully review the Certificate(s) of Insurance, provided below, as the Certificate(s) provide the official explanations of insurance benefits specific to your state, and include all terms, conditions, limitations, and exclusions related to the insurance coverage. If there are any discrepancies between the benefit descriptions provided above and the Certificate, the Certificate will govern.
You must be a member of the United Business Association (UBA) in order to enroll in the supplemental Gap Edge+ plan. Membership dues are $10 per month for the entire family and are separate from the Gap Edge+ plan costs. View for Membership details.
$500 Daily ER Benefit
$125 Physician Office Visit Benefit
Available States:
AL, AR, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KY, LA, MI, MO, MS, MT, NC, ND, NE, NV, OH, OK, RI, SC, TN, TX, VA, WI, WV & WY
Membership in UBA is required
1st and 15th Effective Dates available
*Plan Cost above does not include the required $10 per month UBA Membership dues. All plan costs above are monthly.
Cost Transparency:
Current rate(s) for insurance coverage included in the Complement Care and underwritten by SiriusPoint America Insurance Company:
Complement Care is designed to supplement your comprehensive health insurance plan for additional protection. ALL INSURANCE BENEFIT COMPONENTS PROVIDE LIMITED COVERAGE ONLY. THIS IS NOT COMPREHENSIVE MAJOR MEDICAL INSURANCE, and should not be purchased to replace any major medical insurance you currently have in force. UBA Accident is optionally available to members of the United Business Association only.
This fixed indemnity policy may pay you a limited dollar amount if you're sick or hospitalized. You're still responsible for paying the cost of your care.
Benefit payable for each day a Covered Person receives emergency care for a Sickness, Accident, or Injury during an Emergency Room visit.
Available to all active members of the United Business Association, ages 18-64 who have chosen to enroll themselves in the Gap Edge+ plan option and their enrolled Spouse up to age 65 as well as their enrolled dependent children. Member and Dependent coverage ends when the Member is age 65.
"Coverage Year" means a period beginning on the Primary Covered Person's Certificate Effective Date and ending 12 months after that date. Successive Coverage Years will begin after the first Coverage Year, each extending for 12-Month periods, provided that the Primary Covered Person does not terminated His coverage within the same Coverage Year. If the Primary Covered Person terminates His coverage during a Coverage Year and re-enrolls for coverage under a new certificate within the same Coverage Year, all benefits, benefit limits and benefit maximums will be those that applied to Him under the previously terminated certificate. In this case, a new Coverage Year will begin for the Primary Covered Person after He has been insured under the new certificate for a period of 12 months.
Please make sure to read the full terms, definitions, limitations, and exclusions in your Group Hospital Indemnity Insurance Policy and Certificate of Insurance. Coverage could vary or may not be available in all states.
Insurance coverage underwritten by SiriusPoint America Insurance Company.
[HASA-HI-1000]
Pays the benefit amount each visit made by a Covered Person to a Physician's Office or a licensed Urgent Care Facility to receive care or treatment or a Sickness, an Accident or an Injury.
Available to all active members of the United Business Association, ages 18-64 who ahve chosen to enroll themselves in the Gap Edge+ plan option and their enrolled Spouse up to age 64 as well as their enrolled dependent children. Member and Dependent coverage ends when the Member is age 65.
"Coverage Year" means a period beginning on the Primary Covered Person's Certificate Effective Date and ending 12 months after that date. Successive Coverage Years will begin after the first Coverage Year, each extending for 12-Month periods, provided that the Primary Covered Person does not terminated His coverage within the same Coverage Year. If the Primary Covered Person terminates His coverage during a Coverage Year and re-enrolls for coverage under a new certificate within the same Coverage Year, all benefits, benefit limits and benefit maximums will be those that applied to Him under the previously terminated certificate. In this case, a new Coverage Year will begin for the Primary Covered Person after He has been insured under the new certificate for a period of 12 months.
Please make sure to read the full terms, definitions, limitations, and exclusions in your Group Hospital Indemnity Insurance Policy and Certificate of Insurance. Coverage could vary or may not be available in all states.
Insurance coverage underwritten by SiriusPoint America Insurance Company.
[HASA-HI-1000]
THIS IS NOT MAJOR MEDICAL OR COMPREHENSIVE HEALTH INSURANCE. The insurance benefits included with Complement Care and described here provide LIMITED COVERAGE ONLY, intended to supplement comprehensive health insurance coverage. Complement Care is NOT a suitable alternative or replacement for comprehensive major medical isnurance, and does NOT provide minimum essential coverage in accordance with the Patient Protection and Affordable Care Act (ACA).
Current rate(s) for insurance coverage included in Complement Care and underwritten by SiriusPoint America Insurance Company:
If for any reason you are not completely satisfied with your enrollment, just notify us anytime up to thirty (30) days after your Effective Date to cancel and receive a full refund of all dues, premiums, or fees paid.
Notice: for any enrollment in a program or plan that provides insurance benefits or coverage, enrollment costs cannot be refunded if an insurance claim has been filed.
This is a brief description of the benefits included with Complement Care. Be sure to carefully review the Certificate(s) of Insurance, provided below, as the Certificate(s) provide the official explanations of insurance benefits specific to your state, and include all terms, conditions, limitations, and exclusions related to the insurance coverage. If there are any discrepancies between the benefit descriptions provided above and the Certificate, the Certificate will govern.
You must be a member of the United Business Association (UBA) in order to enroll in the supplemental Complement Care plan. Membership dues are $10 per month for the entire family and are separate from the Complement Care plan costs. View for Membership details.
$10,000 Benefit for Primary Member
$5,000 Benefit for enrolled Spouse
$2,500 Benefit for each enrolled Dependent Child
Available States:
AL, AR, AZ, CA, CO, DC, DE, FL, GA, IL, IN, IA, KS, KY, LA, MI, MO, MS, ND, NE, OH, OK, RI, SC, TN, TX, VA, WI, WV & WY
Membership in UBA is required
1st and 15th Effective Dates available
*Plan Cost above does not include the required $10 per month UBA Membership dues. All plan costs above are monthly.
Cost Transparency:
Current rate(s) for insurance coverage included in the Gap Term and underwritten by Guarantee Trust Life Insurance Company:
Pays a lump sum benefit amount upon the death of a covered person.
This insurance benefit is offered under Group Term Life Insurance, Policy form series GLMP-3002, Certificate form series GLC-3002 underwritten by Guarantee Trust Life Insurance Company (GTL), Glenview, IL. The Policy is issued to United Business Association (UBA) and includes the following: exclusions, limitations, reductions of benefits, and terms of renewal and termination. Subject to state availability, variability, and GTL's right to increase premium rates.
Members of an eligible class of the Association are eligible to receive these benefits. Coverage becomes effective on the date provided in your Membership material. Coverage is subject to termination in accordance with the Association Group Master Policy provisions. Notice of termination provided to the Association is considered notification to all Association Members and will not be sent to you individually by GTL.
The Death Benefit will be paid to the Beneficiary if a Covered Person dies while this Certificate is in force and before the Date Certificate Ends as stated in the Schedule of Benefits. Subject to the terms and provisions of this Certificate, the Death Benefit will be the amount of life insurance payable as shown on the Schedule of Benefits.
If a Death Benefit is paid for death of the Primary Member, this Certificate will terminate and coverage for any other enrolled family members will end.
SUICIDE EXCLUSION: If a Covered Person dies as the result of suicide or any attempt at suicide, while sane or insane within two years of his Effective Date of coverage, the insurance company will be liable only for an amount equal to the Premium paid. With respect to an increase in the amount of insurance, the insurance company will consider the two year period to begin as of the effective date of such increase. The return of such Premium will be in lieu of all other benefits under this Certificate which may have been payable for that Covered Person.
Read the Certificate of Insurance carefully. This is a brief description and is not an insurance contract, nor part of the Certificate of Insurance. If there are any discrepancies between this description and the Certificate, the Certificate will govern.
Insurance coverage underwritten by Guarantee Trust Life Insurance Company.
[AAD101.34-19]
THIS IS NOT MAJOR MEDICAL OR COMPREHENSIVE HEALTH INSURANCE. The insurance benefits included with Gap Term and described here provide LIMITED COVERAGE ONLY, intended to supplement comprehensive health insurance coverage. Gap Term is NOT a suitable alternative or replacement for comprehensive major medical isnurance, and does NOT provide minimum essential coverage in accordance with the Patient Protection and Affordable Care Act (ACA).
Current rate(s) for insurance coverage included in Gap Term and underwritten by Guarantee Trust Life Insurance Company:
If for any reason you are not completely satisfied with your enrollment, just notify us anytime up to thirty (30) days after your Effective Date to cancel and receive a full refund of all dues, premiums, or fees paid.
Notice: for any enrollment in a program or plan that provides insurance benefits or coverage, enrollment costs cannot be refunded if an insurance claim has been filed.
This is a brief description of the benefits included with Gap Term. Be sure to carefully review the Certificate(s) of Insurance, provided below, as the Certificate(s) provide the official explanations of insurance benefits specific to your state, and include all terms, conditions, limitations, and exclusions related to the insurance coverage. If there are any discrepancies between the benefit descriptions provided above and the Certificate, the Certificate will govern.
You must be a member of the United Business Association (UBA) in order to enroll in the supplemental Gap Term plan. Membership dues are $10 per month for the entire family and are separate from the Gap Term plan costs. View for Membership details.
$10,000 Benefit for Primary Member
$5,000 Benefit for enrolled Spouse
$2,500 Benefit for each enrolled Dependent Child
Available States:
AL, AR, AZ, CA, CT, DC, DE, GA, IL, IN, IA, KS, KY, MI, MS, ND, NE, OH, OK, RI, SC, TN, TX, VA, WI, WV & WY
Membership in HAA is required
1st and 15th Effective Dates available
*Plan Cost above does not include the required $15 per month HAA Membership dues. All plan costs above are monthly.
Cost Transparency:
Current rate(s) for insurance coverage included in the HAA Lifepass 10 and underwritten by Guarantee Trust Life Insurance Company:
Pays a lump sum benefit amount upon the death of a covered person.
This insurance benefit is offered under Group Term Life Insurance, Policy form series GLMP-3002, Certificate form series GLC-3002 underwritten by Guarantee Trust Life Insurance Company (GTL), Glenview, IL. The Policy is issued to Healthy America Association (HAA) and includes the following: exclusions, limitations, reductions of benefits, and terms of renewal and termination. Subject to state availability, variability, and GTL's right to increase premium rates.
Members of an eligible class of the Association are eligible to receive these benefits. Coverage becomes effective on the date provided in your Membership material. Coverage is subject to termination in accordance with the Association Group Master Policy provisions. Notice of termination provided to the Association is considered notification to all Association Members and will not be sent to you individually by GTL.
The Death Benefit will be paid to the Beneficiary if a Covered Person dies while this Certificate is in force and before the Date Certificate Ends as stated in the Schedule of Benefits. Subject to the terms and provisions of this Certificate, the Death Benefit will be the amount of life insurance payable as shown on the Schedule of Benefits.
If a Death Benefit is paid for death of the Primary Member, this Certificate will terminate and coverage for any other enrolled family members will end.
SUICIDE EXCLUSION: If a Covered Person dies as the result of suicide or any attempt at suicide, while sane or insane within two years of his Effective Date of coverage, the insurance company will be liable only for an amount equal to the Premium paid. With respect to an increase in the amount of insurance, the insurance company will consider the two year period to begin as of the effective date of such increase. The return of such Premium will be in lieu of all other benefits under this Certificate which may have been payable for that Covered Person.
Read the Certificate of Insurance carefully. This is a brief description and is not an insurance contract, nor part of the Certificate of Insurance. If there are any discrepancies between this description and the Certificate, the Certificate will govern.
Insurance coverage underwritten by Guarantee Trust Life Insurance Company.
[AAD16.6-23]
THIS IS NOT MAJOR MEDICAL OR COMPREHENSIVE HEALTH INSURANCE. The insurance benefits included with HAA Lifepass 10 and described here provide LIMITED COVERAGE ONLY, intended to supplement comprehensive health insurance coverage. HAA Lifepass 10 is NOT a suitable alternative or replacement for comprehensive major medical isnurance, and does NOT provide minimum essential coverage in accordance with the Patient Protection and Affordable Care Act (ACA).
Current rate(s) for insurance coverage included in HAA Lifepass 10 and underwritten by Guarantee Trust Life Insurance Company:
If for any reason you are not completely satisfied with your enrollment, just notify us anytime up to thirty (30) days after your Effective Date to cancel and receive a full refund of all dues, premiums, or fees paid.
Notice: for any enrollment in a program or plan that provides insurance benefits or coverage, enrollment costs cannot be refunded if an insurance claim has been filed.
This is a brief description of the benefits included with HAA Lifepass 10. Be sure to carefully review the Certificate(s) of Insurance, provided below, as the Certificate(s) provide the official explanations of insurance benefits specific to your state, and include all terms, conditions, limitations, and exclusions related to the insurance coverage. If there are any discrepancies between the benefit descriptions provided above and the Certificate, the Certificate will govern.
You must be a member of the Healthy America Association (HAA) in order to enroll in the supplemental HAA Lifepass 10 plan. Membership dues are $15 per month for the entire family and are separate from the HAA Lifepass plan costs. View for Membership details.
We strive to provide you with a variety of options for inquiring and enrolling in our plans. Whether you are interested in comprehensive health insurance, supplemental insurance, dental and vision plans, association membership, or non-insurance service and discount plans, you can choose the method that best suits your needs. Here are the options available to you:
Our team of licensed and federally-certified health insurance agents is available to provide you with personalized assistance. They can help you navigate the different plans available, answer your questions, and offer advice tailored to your specific situation.
Use the form below to request a call, and and agent will contact you as soon as possible to assist you with your enrollment process.
If you already know which plan you want, you can directly enroll in it online without needing to consult an agent.
Below is the link you can use for a simple and straightforward enrollment process. If you need any assistance, please do not hesitate to contact us at 866-438-4274 where our agents are ready to help you.