ASSOCIATION MEMBERSHIP, NON-INSURANCE PRODUCTS & OPTIONAL SUPPLEMENTAL GROUP INSURANCE BENEFITS NATIONWIDE.

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ENROLLMENT FAQS

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Call us at 866-438-4274.



Reasons to Enroll in the Association

United Business Association Membership

Members of UBA enjoy discounts and services that can enhance their daily home and business lives. With over 27 association services that range from Lab Discounts, Vision & Hearing Discounts, 24-Hr Roadside Assistance, Office Supplies & Furniture Discounts, UPS Express Delivery Service discounts, Computer Discounts and more, the United Business Association offers its members quality and valued services that members can actually use. Along with free business networking on ubamembers.com which includes ad creation for the networking ad if needed, UBA promotes member's small business with the public and other UBA Members. UBA also offers small business knowledge to its members through providing links, videos, polls and newsletter with helpful business tools that enhance small business knowledge and pinpoint key things going on currently with small businesses and their employees. For the low monthly membership dues of $10 for the entire family, joining UBA is affordable. United Business Association continually looks at their membership service offerings and is always working to improve and add new services that bring value and interest to its members. Unlock the value of membership with UBA by joining the Association and enrolling in the UBA Membership. Learn more or Contact Us for more information on the Association and how to join. The United Business Association is here to help small businesses compete with similar programs available in some larger corporations by offering the United Business Association membership providing small business employers and employees with services that offer member driven value.


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Enhance Your Existing Insurance with a Plan That's Right for You.

By becoming a member of the United Business Association (UBA), you are joining a national network of informed small businesses and employees looking to strengthen each other together. UBA Members have access to better lifestyle services, money-saving discounts, leveraged purchasing power, and optional supplemental group insurance programs to augment their existing coverage and employee perks. These programs are the heart of what we do. Our association creates better availability for the programs you genuinely need to enhance your health, financial standing, and peace of mind. We invite you to contact us to learn about our products and discover how UBA can serve you.

What is the difference between Supplemental & Comprehensive Health Insurance?
Supplemental Insurance is something that a person can purchase to complement or add to their existing comprehensive health insurance coverage. It can help offset some costs your current comprehensive health insurance doesn't cover like deductibles, coinsurance or out-of-network expenses. Supplemental Insurance is in addition to and does NOT provide comprehensive health insurance coverage. It is important to have comprehensive health insurance coverage like an ACA Health Insurance Plan or a comprehensive Group Health Insurance Plan as the foundation of your health insurance. You can then add supplemental insurance to help mitigate some of your additional financial exposure.

Do I have to be a member to enroll in a UBA Supplemental Group Insurance Plan?
YES, you must be a member of the United Business Association in order to enroll in or add any additional optional supplemental UBA Gap Membership Product that includes group insurance to your UBA Membership. If you are not a member, you cannot enroll in these additional UBA group insurance plans. Membership is not required for any of the a la carte health and wellness non-insurance Benefit Boost Subscription products.

Discover an Optional UBA Gap Plan that Matches Your Needs

UBA offers a robust array of optional supplemental group insurance programs designed with life in mind. We understand that unexpected events happen in life, and you might desire additional coverage to help you with unexpected expenses. Our optional supplemental group insurance products provide additional coverage for some out-of-pocket expenses when you need it most for a wide range of medical scenarios, including accident insurance, emergency room insurance, critical illness insurance, term life insurance, dental & vision insurance and more.

Why is it called Group Insurance?
The master policy is issued to the United Business Association and as a member of the United Business Association group, you have access to the optional group insurance by adding a UBA Gap Membership Product to your UBA Membership. We invite you to learn more about all the programs we offer below, then contact us to purchase the membership product that works best for you.

Do I have to purchase a Supplemental Group Insurance Plan to Join UBA?
You do not have to purchase any additional optional supplemental product on the enrollment application in order to join the United Business Association. UBA makes the purchase of optional supplemental group insurance coverage available to members who choose to add this optional coverage in an effort to offer more to our members. No member is required or expected to purchase any additional supplemental group insurance membership product or non-insurance subscription products to join UBA. If a member wants to only join the United Business Association, they simply select UBA Membership only on the first page of the enrollment application. By joining UBA you are joining a monthly Association membership subscription that includes no insurance. It is really simple to add additional optional supplemental membership products to your UBA Membership. Select the plan you want to add to your UBA Membership from one of the many membership product categories on the enrollment application and then complete the entire online enrollment application.


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What is the Application Process to Join UBA?

The simple to enroll online application takes less than 10 minutes to complete.

Initial Enrollment Application Steps:
UBA Membership Enrollment: The first thing that you will encounter on the online enrollment application is the UBA Membership enrollment where it asks if you are a current member of the United Business Association.

If you select YES and are a current member and were just enhancing your membership by adding another optional supplemental membership product, you enter your Member ID located on your ID card, Last Name and Date of Birth. Once your membership is verified, you can continue to the next selection of the optional membership product categories. All available membership plans in your state will show in the membership product categories you select.

If you select NO and are not yet a member, it will ask you if you want to enroll in the United Business Association. If you select enroll NO (meaning you do not want to enroll in UBA), you can still purchase the optional Benefit Boost non-insurance a la carte wellness and health subscription products. If you select enroll YES (meaning you want to join UBA and become a member of United Business Association), then you will be able to continue with just your UBA Enrollment or you can select to view any of the optional supplemental membership product categories to view more plans available in your state to enhance your membership. Once you select the categories to view, it will ask basic household information: STATE, FAMILY MEMBERS (are you enrolling a spouse and/or # of children). The last step on the initial UBA Enrollment page is the qualifying question: Are you an owner or an employee of a small business (less than 50 employees)? Yes or No.

UBA Enrollment Only or Adding Product Categories
The next page could vary depending on your decision on page 1 of the UBA Enrollment application.

UBA ONLY selected: If you wanted to only enroll in United Business Association, your next steps would be to complete the rest of the demographic information on the Enroll page where it asks name, date of birth, contact info, address (residence and mailing if different). The next step would be to select the desired effective date available and then enter your billing information (either EFT / Bank Draft or Credit Card - Visa, MasterCard or Amex). Once the billing page is complete and you hit continue, the first part of the enrollment is complete. An email will be sent to the member to complete the final steps of the online enrollment including verification, review of application, acceptance of disclaimers and to e-sign the enrollment application.

You selected UBA and any of the optional additional supplemental product category or categories. The prospective member can review product descriptions, product cost, and Certificates of Insurance (if applicable) when choosing the appropriate membership program to fit their needs. Once selected, the member will enter the rest of the demographic information on the Enroll page where it asks name, date of birth, contact info, address (residence and mailing if different). The next page will be the desired effective date and any required qualifying question based on the plans you chose to add to enhance your membership. The prospective member will then add the monthly billing payment details, and once continue is selected, an email is sent to the member to complete the final steps of the online enrollment including verification, review of application, acceptance of disclaimers and to e-sign the enrollment application.

Important Note regarding help from a licensed agent on enrollment:
If you choose, you can have a licensed insurance agent who is contracted with HealthyAmerica to help with the initial enrollment step. You will be able to verify everything the agent helped to enter on the application on your behalf including the demographics, product selection & billing during the verification and e-signature step. You will be able to edit any incorrect information you locate during the application review.

Verification & E-Signature Steps:
Once the application has been submitted, the prospective member will receive an email in order to complete the final application process step, the electronic signature. The prospective member will review the entire application for accuracy and then agree to the required disclaimers and acknowledgements from UBA and any insurance carrier who provided group insurance in the optional supplemental group insurance programs (if applicable). At the end of the application review and the acknowledgements and disclaimers section, the prospective member will then e-sign the application if they choose to finalize and enroll in the product(s) they have selected. If this e-signature step is not completed by the prospective member, then the application is not finalized and will not become active. The member must review, verify and e-sign the application for it to move forward and become active and then the new member will be drafted for the initial product cost(s). Once the member completes the e-signature, a PDF of the signed enrollment application(s) along with the member guide(s) and Certificates of insurance (if applicable) for the product(s) the member enrolled in will be made available to them at the end of the verification and e-signature process as well as in the Member Portal.

Membership Portal Registration:
The new member will receive an email notification with the link to register for the Member Portal. Once registered, they will be able to view their electronic fulfillment documents including a copy of their digital membership ID card(s), a section on how to use the services in UBA, Certificates of Insurance (if applicable), Membership Guides for all products enrolled, claim forms for group insurance programs (if applicable) and the final signed copies of their UBA Membership application and the separate applications for additional optional supplemental group insurance. The e-signature on the enrollment applications show the IP address, date and time the new member signed the application. After the application process is complete and the initial draft has been collected and cleared from the bank or credit card vendor, then the member will receive a hard-copy of their ID card along with a welcome letter explaining how to use their membership ID Card, how to access the member portal and information for billing inquiries. This welcome letter also highlights the product(s) the member enrolled along with the product(s) Member ID# and the effective date the membership product(s) go into effect. A member can Call Customer Service for any help regarding the services available to them, claim help, and billing help. Our Customer Service department is there to help you with all your Membership and optional supplemental UBA Gap Membership Product needs.

ID Cards and Welcome Letter:
You will receive a welcome letter in the mail along with any hard-copy ID applicable ID Cards. The welcome letter also gives instructions on how to access your Member Guide(s), digital ID card(s), Certificates of Insurance (if applicable), and more. The welcome letter also will highlight your effective date and give the UBA Membership ID number and list all optional supplemental Membership products you enrolled along with the membership plan id number(s). Important Note about Benefit Boost Subscription ID Cards: All of the a la carte health and wellness Benefit Boost Subscription product ID cards will only be available as a digital ID card available to download to your phone, tablet, or to print from the Member Portal. This helps keep the product cost down on these low cost valued subscription services.

Refund & Cancellation Policy:
UBA's refund and cancellation policy is the following - If you are not completely satisfied with your UBA Membership Product(s), please call your Personal Member Concierge at 866-438-4274. We will be happy to issue a complete refund of membership dues within the first thirty (30) days. We want you to be 100% satisfied with your UBA benefits and services. Please be aware that if you purchased any additional optional supplemental plans through UBA that included Group Insurance programs, premiums & dues can’t be refunded if a claim was filed. Note: This membership is separate from any other insurance or supplemental plans you have purchased. Please contact your agent for any plans other than the UBA Membership or any additional optional supplemental UBA Membership Products that included group insurance, or the monthly subscription stand-alone non-insurance Benefit Boost Subscription Products. If you are canceling, please make sure to cancel using our cancellation phone number at 866.438.4274, our cancellation form or through the Member Portal Email System. Please do not cancel through your agent. Cancel directly with your Personal Member Concierge to make sure your cancellation request is handled promptly and correctly. We showcase our name UBA GAP and our number 866-438-4274 on all transactions (all together like this UBAGAP8664384274) on your account statement, and it is your responsibility to check the transactions occurring on your account every month and to cancel with us when desired. Every month we pay for the membership services and the insurance premiums for any applicable optional supplemental group insurance programs on your behalf, whether you use the membership services or file a claim with the group insurance programs.

I want to Start the Enrollment Process:
If you have any questions about this application process or would like help to get enrolled, Contact Us, and we will be happy to assist you, or you can go to straight to the quoting and enrollment page to begin the process.


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Review All Membership Products available with United Business Association:



Membership Products Available to UBA Members

As a member of United Business Association, you have access to enroll in any of the optional non-insurance Benefit Boost Subscription Products, the Optional Supplemental Insurance Membership Products, our Most Popular Supplemental Membership Products or our Dental & Vision Membership Products. By adding an additional plan, you are enhancing your membership with UBA. You do not have to purchase any of the optional plans in order to join United Business Association. To join UBA, Contact Us for a quote and to help you find the right supplemental product to enhance your membership. Check out a brief description of our Product Categories offered through UBA below.


United Business Association (UBA) offers membership. This is a solicitation for UBA Memberships, NOT Insurance. Membership includes multiple benefits, including access to insurance products.



UBA Membership

Membership With United Business Association

Why does it all start with membership into the United Business Association (UBA)? The association was designed to organize small business owners and their employees into an association that offers its members valued services & benefits, to increase their purchasing power and to educate and provide helpful tools regarding small business. Membership in UBA includes no insurance. You do not have to purchase any additional optional UBA Membership products that include group insurance or the optional non-insurance Benefit Boost Subscription Products in order to join the United Business Association. The monthly membership dues are $10 a month for the entire family. Contact Us for information on how to join the United Business Association and start enjoying the rewards of membership.

*Plans as of 02/03/22. Any plans purchased prior to 02/03/22 could be different. Please refer to the Member Portal for your specific membership information.


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Benefit Boost Subscription Products

Benefit Boost Subscription Products

We offer stand-alone monthly non-insurance Benefit Boost Subscription Products. Build the perfect product for you with a variety of highly-regarded services. The Benefit Boost Subscription Products include*

  • Virtual Care or Virtual Talk Therapy Visits powered by MeMD®, a part of the Walmart Health® family;
  • Retail & pet prescription discounts powered by Paramount RX®;
  • SML Dental Discounts powered by Aetna Dental Access® network;
  • Benefit Boost which includes the above three stand-alone Benefit Boost products as well as Free Vitamins and Identity Theft discounts through LifeLock®;
  • Lastly, we offer Virtual PCP Solution powered by MeMD®, a part of the Walmart Health® family where you can access Virtual Primary Care Visits, Virtual Urgent Care & Talk Therapy Visits and more.

*Products as of 02/10/22. Any products purchased prior to 02/10/22 could be different. Please refer to the Member Portal for your specific membership information.


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Optional Supplemental Health Insurance Products

Optional Supplemental Insurance Category

Various insurance carrier partners have issued master policies to the United Business Association to join UBA's efforts to do more for our members. As a member of the group, you have exclusive access to a broad array of helpful optional group insurance benefits designed to supplement comprehensive health insurance. These benefits provide supplemental coverage to help bridge the gap with out-of-pocket medical expenses like deductibles, coinsurance and out-of-network costs and offers beneficial member assistance in a wide range of health and medical scenarios. The Optional Supplemental Insurance Category includes*

  • GAP
  • GAP 5000
  • GAP 10000
  • GAP 25000
  • GAP TERM

*Plans as of 02/10/22. Any plans purchased prior to 02/10/22 could be different. Please refer to the Member Portal for your specific membership information.


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Our Most Popular Products

Our Most Popular Supplemental Insurance Category

Our Most Popular Suppelemental Insurance Category of Membership Products are made up of the optional supplemental Membership Products that are most often added to enhance UBA Membership. Most of our Most Popular Supplemental Insurance Category of Membership Products include supplemental group insurance like accident, critical illness, etc. as well as the highly regarded non-insurance Benefit Boost subscription services in the product. Our Most Popular Supplemental Insurance Category includes*

  • COMPLEMENT CARE
  • GAP AME 10K+ PLAN
  • GAP+
  • GAP 5000+
  • GAP MAX+
  • SUPER GAP+
  • GAP EDGE+

*Plans as of 02/10/22. Any plans purchased prior to 02/10/22 could be different. Please refer to the Member Portal for your specific membership information.


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Dental & Vision Products

Dental & Vision Category Offered to UBA Members

UBA's Dental & Vision offerings include Group Dental Insurance provided by Renaissance Life & Health Insurance Company of America (Renaissance) or First Continental Life Insurance Company (FCL). Start protecting your oral and vision health today with any one of these Dental or Vision Plans offered to members of the United Business Association. The Dental & Vision Category includes*

  • UBA DENTAL
  • UBA VISION
  • FCL DENTAL 3000
  • FCL ORAQUEST DENTAL HMO

*Plans as of 02/10/22. Any plans purchased prior to 02/10/22 could be different. Please refer to the Member Portal for your specific membership information.


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AH-4358 | AAD101.15-19


United Business Association (UBA) offers membership. This is a solicitation for UBA Memberships, NOT Insurance. Membership includes multiple benefits, including access to insurance products.






Contact UBA to Improve Your Insurance Coverage

The optional supplemental group insurance coverage level you choose will depend on your required level of care. Using our innovative products, UBA offers membership benefits, supplemental resources, and monetary security you, your loved ones, and your employees can enjoy. Contact UBA today for more information.



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