United Business Association
Better Together.



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

FIND OUT WHAT UBA OFFERS

UBA MEMBERSHIP PRODUCTS

We're here to help answer any questions
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 general 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 Product 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 & 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 of the 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 (Obamacare) 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 Group Insurance Product?
YES, you must be a member of the United Business Association in order to enroll in or add any additional optional supplemental UBA Gap Product that includes group insurance to your UBA Membership. If you are not a member, you cannot enroll in these additional UBA Gap Products. Membership in the monthly subscriptions of Benefit Boost & Virtual PCP Solution as well as the individual short term medical insurance (STM) are the only products that someone can enroll if they are not a member of UBA.

Discover an Optional UBA Gap Product 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 need coverage to stay safe. 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 Product to your UBA Membership. We invite you to learn more about all the programs we offer below, then contact us to purchase the product that works best for you.

Do I have to purchase a Group Insurance Product 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 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 in the enrollment application product selection. By joining UBA you are joining a monthly Association membership subscription that includes no insurance. It is really simple to add additional optional supplemental products to your UBA Membership. Select the product(s) you want to add to your UBA Membership on the enrollment application and then complete the entire online enrollment application.


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What is the Application Process to Join UBA, Add Benefit Boost or Virtual PCP Monthly Subscription or Add an Optional UBA Gap Product that includes Group Insurance?

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

Initial Enrollment Application Steps: The first steps a prospective member completes is to answer the three qualifying questions and enter their demographics (zip code, gender, date of birth, dependent info, etc.). For Qualifying Question #2 on the application, we collect this information for marketing purposes and the answer can be yes or no unless the prospective member selects an optional UBA Gap Product that includes Group Hospital Fixed Indemnity Insurance in only these states: AZ, CA, DC, GA, IL, NJ & NV. The prospective member then chooses the desired membership product(s) from the product options available in their state. The prospective member can review product descriptions, product cost, and Certificates of Insurance (if applicable) when choosing the appropriate membership plan to fit their needs. The prospective member will then add the monthly billing payment details, and then submits the application. 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 an active membership product. 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 will be made available to them at the end of the verification and e-signature process as well as 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 Product needs.

Refund & Cancellation Policy: UBA's refund and cancellation policy is the following - If you are not completely satisfied with your UBA 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 premium & 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, Benefit Boost or Virtual PCP Solution Subscriptions, and optional UBA Gap 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 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 getting 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:



Product details below are for products purchased on or after 05-27-21 . If you purchased a product listed below prior to 05-27-21, please login to your member portal for your product details. The product details listed below may be different from the product you purchased. There are also optional supplemental UBA Gap Products no longer being marketed. If you are a current member, please visit the Member Portal for your product information.


Choose a category below to view Products available in the category.



UBA Membership Plan


UBA MEMBERSHIP

MEMBER DRIVEN VALUE.

Unlock the value of your UBA Membership.

Your membership in the United Business Association (UBA) gives you access to lifestyle and business benefits and services like lab discounts, 24-hr emergency roadside assistance, office supply discounts, and access to enroll in association group insurance programs. The UBA Membership is an excellent fit for small business owners, employees, and their families. Your membership in UBA offers you Member Driven Value and We are Better Together. Join UBA as a stand-alone membership or add additional products to enhance your membership.



UBA Membership State Availability
All 50 U.S. States


This Monthly Association Membership includes
Non-Insurance Services Only
  • Product Cost*

    $10 for the entire family

  • Brief Association Membership Description
    UBA Membership Plan

    UBA MEMBERSHIP

    Unlock the value of your UBA Membership.



    Business Services of UBA


    Business Services of UBA Membership

    • Car Rental Discount
    • TrueCar Buying Network
    • Graduate Scholarship Program
    • LuckyDiem
    • 24-Hr Roadside Assistance
    • TravNow
    • 1800Flowers.com Discounts
    • ADP Payroll Processing Service
    • Office Max Offices Supplies & Furniture Discounts
    • Hewlett (HP) Computers & Equipment
    • UPS Express Delivery Service
    • LegalConnect®
    • Choice Hotels Discounts
    • Apply for Business Insurance: Business Owner's Policy
    • Apply for Business Insurance: Data Breach & Cyber Liability





    Lifestlye Services of UBA


    Lifestyle Services of UBA Membership

    • 24-Hr Nurse Helpline
    • Health Savings Account with HSA Bank®
    • Lab Discounts
    • Gateway Medicard
    • VSP Individual Savings Pass
    • Discount Hearing Service
    • Travel Assistance Plan
    • GymAmerica.com
    • Child ID Card Services
    • National Theme Park Discounts
    • Tickets at Work
    • Savings Perks Program





    UBA Member Networking


    Networking with UBA

    Advertise your Small Business for FREE and network with other UBA Members. Don't have an ad? That's okay! UBA can create one for you.





    UBA Optional Group Supplemental Insurance


    Optional Group Supplemental Insurance

    Access to enroll in association group insurance programs like group accident insurance, group hospital fixed indemnity insurance, group term life insurance, critical illness insurance, and more...







    THIS IS AN ASSOCIATION MEMBERSHIP.


    Read the brochure carefully. This is a brief description of the membership services available to you in the United Business Association membership. Product features, additional products, and availability may vary by state. While we believe you will be pleased with your overall association membership, we cannot, however, warrant or guarantee the performance of any discount or service. You must be a member of the United Business Association in order to purchase any product that includes group association insurance issued to the United Business Association. Services and product cost are subject to change.



  • Non-Insurance UBA Service Details


  • Get a Quote & Apply


Benefit Boost Plan


BENEFIT BOOST

IMPROVING HEALTH.

A strategy to boost your overall health.

The Benefit Boost Monthly Subscription offers valuable services for those looking to seek immediate medical visits or talk therapy when you are sick or feeling down, looking to save on maintenance medications and to keep a healthy lifestyle with free vitamins, dental discounts, and protection against identity theft. Benefit Boost is a non-insurance strategy to boost your overall health. Purchase Benefit Boost Subscription as a stand-alone product or it is available as part of most of the UBA Gap Products that include group insurance (check UBA products for availability).



Benefit Boost State Availability
All 50 U.S. States


This Monthly Subscription Membership includes
Non-Insurance Services Only
  • Product Cost*

    $25 - Ind   |   $40 - Ind+1   |   $60 - Family

  • Brief Membership Description
    Benefit Boost Plan

    BENEFIT BOOST SUBSCRIPTION

    A stragegy to boost your overall health.



    Telehealth with MeMD


    Telehealth Service with MeMD®

    $0.00 Cost* to all Members

    URGENT CARE TELEHEALTH

    Ideal for common illnesses and minor injuries like allergies, flu symptoms, sinus symptoms, UTIs and more.

    TALK THERAPY TELEHEALTH

    MeMD's national provider network of licensed professional counselors, clinical social workers, marriage and family therapists are there to help with common teletherapy issues like abuse, addiction, anxiety, stress and more.

    *Visits are paid by Healthy America and not by member.

    If you purchased the Virtual PCP Solution Subscription Membership with the Benefit Boost Subscription Membership, the MeMD® membership services will be based on the Virtual PCP Solution services with MeMD®.





    Free Gummy Vitamins


    Free Gummy Multi-Vitamins

    High quality multi-vitamins that come in strawberry and cherry gumdrops. They are free to all Members including shipping and come in a 90-day supply.





    Retail RX & Pet RX Discounts


    Retail RX & Pet RX Discounts

    Save on prescriptions at a participating retail pharmacy and also save on your pet medications with your Retail RX and Pet RX Discounts cards. Use the web tool to locate a participating pharmacy, get your discounted pharmacy pricing and research your drug and cost-effective alternatives.





    Aetna Dental Access Discounts


    Dental Discounts with Aetna Dental Access® Network

    Members can save 15% to 50%* per visit, in most instances, on services at any of the many available dental practice locations nationwide. Dental services include: cleanings, x-rays, fillings, root canals, and crowns. Members can also save on specialty care such as orthodontics and periodontics where available.

    *Actual costs and savings vary by provider, service and geographical area.





    Identity Theft Protection with LifeLock


    Identity Theft Protection with LifeLock®

    Help protect your identity in our digitally-connect world. As a member, you can get over 20% off your first year of LifeLock membership*.

    *Terms apply. Designated trademarks and brands are the properties of their respective owners.








    THIS IS A MONTHLY SUBSCRIPTION MEMBERSHIP AND IS NOT INSURANCE.


    Read the brochure carefully. This is a brief description of the membership services available to you in the Benefit Boost membership subscription. Product features and availability may vary by state. While we believe you will be pleased with your overall association membership, we cannot, however, warrant or guarantee the performance of any discount or service. Services and product cost are subject to change. These Benefit Boost services are included in any of the optional UBA Supplemental Gap Products that include insurance (except Gap AME 10K, UBA Dental, UBA Vision & STM Products).



  • Non-Insurance Benefit Boost Service Details


  • Get a Quote & Apply


Virtual PCP Solution with MeMD


VIRTUAL PCP SOLUTION
WITH MeMD®

VIRTUAL PRIMARY CARE.

Primary care for the modern world.

The Virtual PCP Solution Subscription with MeMD offers members virtual primary care benefits all year for about the cost of one routine in-person visit along with virtual urgent care visits & talk therapy, lab work & imaging, ongoing chronic care management, & continuity of care. Virtual PCP Solution is a non-insurance strategy to help members save money on routine healthcare costs. Purchase it stand-alone or with other UBA Products. Virtual PCP Solution with MeMD is in the family of Benefit Boost Subscription Products.



Virtual PCP Solution State Availability
All 50 U.S. States


This Monthly Subscription Membership includes
Non-Insurance Services Only
  • Product Cost*

    $30 - Ind   |   $60 - Ind+1   |   $60 - Family

  • Brief Membership Description
    Virtual PCP Solution with MeMD

    VIRTUAL PCP SOLUTION
    WITH MeMD®

    Primary care for the modern world.



    Virtual PCP


    VIRTUAL PRIMARY CARE VISITS WITHIN 24 HRS

    $0.00 Visit Fee* to all Members

    Get preventive, ongoing and situational care you need without the financial stress with MeMD's virtual care primary visits within 24 hours. The average wait time for an initial in-person appointment is 24 days. MeMD's Virtual Primary Care Solution gives members access to their chosen PCP within as little as 24 hours.


    CHOOSE YOUR PROVIDER

    Members are able to select a MeMD virtual care provider from a team of providers licensed in their state. When choosing a provider, members can review a detailed bio that includes the provider's certification, experience and other relevant information.



    *$0 virtual primary care visit capped at five per individual, per month. Each virtual primary care visit above the cap will be charged at MeMD's then-current standard primary care visit fee rate, which will be collected at the time of service.






    Virtual Urgent Visits & Talk Therapy with MeMD


    Virtual Urgent Care & Talk Therapy Visits

    $0.00 Visit Fee* to all Members

    VIRTUAL URGENT CARE VISITS

    Ideal for common illnesses and minor injuries like allergies, flu symptoms, sinus symptoms, UTIs and more.


    VIRTUAL TALK THERAPY VISITS

    MeMD's national provider network of licensed professional counselors, clinical social workers, marriage and family therapists are there to help with common teletherapy issues like abuse, addiction, anxiety, stress and more.

    *$0 therapy visits are capped at five per individual, per month. Each therapy visit above the cap will be charged at MeMD's then-current standard therapy visit fee rate, which will be collected at the time of service.

    Note: If you purchased the Virtual PCP Solution Subscription Membership with the Benefit Boost Subscription Membership, the MeMD® membership services will be based on the Virtual PCP Solution services with MeMD®.






    Lab Work & Imaging with Virtual PCP


    Lab Work & Imaging with Virtual PCP Solution

    VIRTUAL WELLNESS

    Through partnerships with Quest, LabCorp, Green Imaging, and more, members have access to labs and imaging that can be paid for through insurance or with cash. Virtual Wellness Visits are available to members once every 12 months at no cost.


    WELLNESS LABS INCLUDED

    Six labs are included in the wellness visit, such as complete metabolic panel or clinical urine tests, when using Quest or LabCorp when ordered by the PCP.




    Ongoing Chronic Care Management


    Ongoing Chronic Care Management

    MeMD's Virtual Primary Care Solution allows members to receive ongoing treatment and medication* for a wide range of chronic conditions including diabetes, asthma, arthritis, anxiety, COPD, and high blood pressure.



    *When medically necessary, MeMD's providers (except therapists) can submit a prescription electronically for purchase and pick-up at your local participating pharmacy; however, MeMD providers cannot prescribe elective medications, narcotic pain relievers, or controlled substances. MeMD's providers are each licensed by the appropriate licensing board for the state in which they are providing services, and all have prescriptive authority for each of the states in which they are licensed.




    Continuity of Care


    Continuity of Care

    Continuity of care is essential for improving health outcomes and lowering overall healthcare costs. With easy access to a dedicated virtual primary care provider, a care team that is available 24/7, and an orientation around holistic care, members can get the care and direction they need for their ongoing health.




    1:1 Care Navigation Team


    1:1 Care Navigation Team

    Professional and compassionate care navigators are available for a call or chat to help members sign up, coordinate medical care, facilitate intelligent referrals and in-person care, and answer administrative questions - giving members the personal attention they want and need.




    Retail RX & Pet RX Discounts


    Retail Prescription Discounts with Paramount RX

    Save on prescriptions at a participating retail pharmacy with the Retail Prescription Discounts card. Use the web tool to locate a participating pharmacy, get your discounted pharmacy pricing and research your drug and cost-effective alternatives.








    THIS IS A MONTHLY SUBSCRIPTION MEMBERSHIP AND IS NOT INSURANCE.


    Read the brochure carefully. This is a brief description of the membership services available to you in the Virtual PCP Solution with MeMD membership. Product features and availability may vary by state. While we believe you will be pleased with your overall association membership, we cannot, however, warrant or guarantee the performance of any discount or service. Services and product cost are subject to change.


    MeMD® provides access to online medical consultations with physicians, nurse practitioners, and physician assistants who can write prescriptions when medically necessary and permitted by state law. MeMD also provides access to online counseling or talk therapy with behavioral health providers; however, therapists cannot write prescriptions. MeMD is not an online pharmacy, and medications cannot be purchased or dispensed from MeMD directly. The MeMD service is not a replacement for your primary care physician or annual office check-ups, nor is it a replacement for other treating providers (except in the context of mental and behavioral health services or in the Virtual Primary Care service line where the Provider has explicitly agreed to assume such a role). Subject to state regulations, MeMD is available nationwide with providers licensed to practice in your state who use video and/or audio technology.



  • Non-Insurance Benefit Virtual PCP Details


  • Get a Quote & Apply


Gap AME 10K Plan


GAP AME 10K



ACCIDENTS HAPPEN.

Life is unpredictable and sometimes we get hurt.

The Gap AME 10K Product provides exceptional protection against accidents and accidental death & dismemberment. This product is a group accident only insurance product. The Gap AME 10K Product is valuable coverage for young families, people who tend to be accident-prone, or those that want that extra layer of protection for some of their out-of-pocket medical costs due to an accident. The Gap AME 10K Product is designed to help supplement your comprehensive health insurance plan for additional protection.



Gap AME 10K State Availability
Underwritten by Guaranteed Trust Life Insurance Company (GTL)
AL, AZ, AR, CA, CT, DC, DE, FL, GA, IL, IN, IA, KS, KY, MI, MS, NC, ND, NE, NJ, NV, OH, OK, PA, RI, SC, TN, TX, VA, WV, WI & WY


This Optional Product includes
Group Insurance Only
Gap Basic Plan


GAP BASIC

Plus Benefit Boost

GAP YOUR DEDUCTIBLE.

Don't break the bank for out-of-pocket expenses.

The Gap Basic Product offers valuable coverage for families and employees who frequently suffer accidents or have a family history of cancer, heart attack, or stroke. It also works for those that want that extra layer of protection for some of their out-of-pocket costs due to a member's passing (in available states). The Gap Basic Product is designed to augment your comprehensive health insurance plan for additional resources.



Gap Basic State Availability
AL, AR, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NJ, NV, OH, OK, RI, TN, TX, VA, WI, WV & WY


This Optional Product includes Group Insurance &
Benefit Boost Non-Insurance Services
  • Product Cost*

    $30 - Ind   |   $50 - Ind+1   |   $70 - Family

  • Brief Group Insurance Description
    Gap Basic Plan

    GAP BASIC

    Don't break the bank for out-of-pocket expenses.



    Blanket Group Accident Insurance


    Blanket Group Accident Insurance

    Blanket Group Accident Medical Expense Insurance

    $5,000 Group Accident Medical Expense Insurance Annual Maximum Benefit.

    $100 Deductible per accident.

    Blanket Group Accidental Death & Dismemberment Insurance

    $2,500 Group Accidental Death & Dismemberment Insurance Maximum Principal Sum.

    Blanket Group Accident Insurance is underwritten by Sirius America Insurance Company.





    Group Critical Illness Insurance


    Group Critical Illness Insurance

    Critical Illness Insurance Benefit

    $5,000 Critical Illness Benefit Lifetime Maximum Benefit Amount

    Maximum Lifetime Benefit Amount is $1000 if first diagnosis of a Covered Critical Illness occurs within the first year from the effective date. Invasive Cancer benefit will not be paid if Proof of Loss occurs prior to 45 days from the effective date. Benefit ends at age 65 and Critical Illness Insurance Benefit is only available for Covered Member and their Eligible Spouse.

    Group Critical Illness Insurance is underwritten by Sirius America Insurance Company.





    Group Term Life Insurance


    Group Term Life Insurance

    $5,000 Principal Sum Maximum Benefit

    Benefit ends at age 65 and Group Term Life Insurance is only available for Covered Member and their Eligible Spouse.

    Group Term Life Insurance for this plan is only available in the following states: AL, AR, AZ, CA, FL, GA, IL, IN, KY, MI, MO, MS, NE, NM, OH, OK, PA, SC, TN, TX & VA.

    Group Term Life Insurance is underwritten by Investors Heritage Life Insurance Company.






    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    BLANKET GROUP ACCIDENT INSURANCE
    & GROUP CRITICAL ILLNESS INSURANCE
    UNDERWRITTEN BY:
    Sirius America Insurance Company

    Sirius America Insurance Company Logo


    GROUP TERM LIFE INSURANCE
    UNDERWRITTEN BY:
    Investors Heritage Life Insurance Company

    Group Term Life Insurance provided by Investors Heritage Life Insurance Company


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo


    THE INSURANCE PORTIONS OF THIS PRODUCT PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. COVERAGE IS PROVIDED UNDER BLANKET ACCIDENT, GROUP CRITICAL ILLNESS AND GROUP TERM LIFE INSURANCE ONLY POLICIES.


    The following monthly insurance rates apply to coverage underwritten by Sirius America Insurance Company1 and Investors Heritage Life Insurance Company2. Your overall total association membership dues for the Gap Basic Product also include these monthly insurance rates:

    1Blanket Group Accident Insurance:
    $4.17 (Individual), $8.37 (Ind+1), $15.76 (Family)

    1Group Critical Illness Insurance:
    $3.26 (Individual), $6.51 (Ind+1), $6.51 (Family)

    2Group Term Life Insurance:
    $1.90 (Individual), $3.80 (Ind+1), $3.80 (Family) - in available states


    Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance products and is not an insurance contract, nor part of the Certificate of Insurance and is subject to the terms, conditions, limitations, and exclusions of the Blanket Group Policy and Certificate(s) of Insurance. Coverage may vary or may not be available in all states. You’ll find complete coverage details in the Certificate(s) of Insurance. Blanket Accident Insurance and Group Critical Illness Insurance are underwritten by Sirius America Insurance Company, New York, NY. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Covered Critical Illnesses are subject to the definitions, limitations and exclusions of the Group Policy. Coverage for Critical Illness is for Member and eligible Spouse between the ages of 18-64. Benefit for Group Critical Illness Insurance ends at age 65. Group Critical Illness Insurance Benefit Maximum is reduced if the first diagnosis occurs in the first year from the effective date. Group Term Life Insurance is underwritten by Investors Heritage Life Insurance Company and covers member and eligible spouse only and coverage ends at age 65. Product cost for the Gap Basic Product does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this product.

    United Business Association, Sirius America Insurance Company, Investors Heritage Life Insurance Company and Healthy America are separate legal entities and have sole financial responsibility for their own products.

    HA-1000







  • Certificates of Insurance (Limitations & Exclusions)


  • Claim Forms

    GET ACCIDENT CLAIM FORM

    GET CRITICAL ILLNESS CLAIM FORM

    Term Life States are:
    AL, AR, AZ, CA, CO, FL, GA, IL, IN, KY, MI,
    MO, MS, NE, NM, OH, OK, PA, SC, TN, TX & VA

    GET TERM LIFE CLAIM FORM

  • Non-Insurance UBA Benefit Boost Services

    Benefit Boost Services

    Non-Insurance Services included in this product.

    This product includes Benefit Boost Subscription Services which are: telehealth (urgent visits and talk therapy) with MeMD®, free gummy multi-vitamins, retail prescription & pet prescription discounts, Aetna Dental Access discounts, and Identity theft protection with LifeLock®.

    All Benefit Boost Services are not Insurance and are separate services from the insurance as part of this optional membership product. Benefit Boost services are subject to change when needed.

    As part of your overall Gap Basic Product cost, the non-insurance Benefit Boost Subscription services retail at $25 (Individual), $40 (Ind+1), $60 (Family).

    If you purchased the Virtual PCP Solution Subscription Membership with the Benefit Boost Subscription Membership, the MeMD® membership services will be based on the Virtual PCP Solution Subscription services with MeMD®.

    Sirius America Insurance Company and Investors Heritage Life Insurance Company do not offer and are not affiliated with the additional non-insurance Benefit Boost services and discount programs offered in connection with membership in the United Business Association (UBA).




  • Get a Quote & Apply


Gap Plus Plan


GAP PLUS

Plus Benefit Boost

BRIDGING THE GAP.

Unexpected out-of-pocket expenses happen.

The Gap Plus Product offers the same superior protection as our Gap Basic Product but with additional Group Hospital Fixed Indemnity Insurance benefits for daily hospital confinement, daily physician office visits, daily outpatient diagnostic laboratory tests, and daily outpatient diagnostic radiology & x-rays. The Gap Plus Product is designed to supplement your comprehensive health insurance plan for additional protection.



Gap Plus State Availability
AL, AR, AZ, DC, DE, FL, GA, IL, IN, IA, KY, LA, MI, MS, NE, NM, NC, ND, OH, OK, RI, SC, TN, TX, VA, VT, WV, WI, & WY


This Optional Product includes Group Insurance &
Benefit Boost Non-Insurance Services
  • Product Cost*

    $40 - Ind   |   $60 - Ind+1   |   $80 - Family

  • Brief Group Insurance Description
    Gap Plus Plan

    GAP PLUS

    Unexpected out-of-pocket expenses happen.



    Group Accident Insurance


    Group Accident Insurance

    Group Accident Medical Expense Insurance

    $5,000 Group Accident Medical Expense Insurance Annual Maximum Benefit.

    $100 Deductible per accident.

    Group Accidental Death & Dismemberment Insurance

    $2,500 Group Accidental Death & Dismemberment Insurance Maximum Principal Sum.

    Group Accident Insurance is underwritten by United States Fire Insurance Company.





    Daily Hospital Confinement Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Daily Hospital Confinement Benefit

    $500 Daily Hospital Confinement Benefit

    Days 1-3 for hospital confinement in a policy period

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.





    Physician Office Visit Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Daily Physician Office Visit Benefit

    $125 per day Daily Physician Office Visit Benefit

    Max 1 day per plan year for medically necessary visit and an additional 1 day for other Wellness visit.

    Covered Wellness Services include: A history and physical examination & immunizations as provided by department of health regulation.

    Note: The Wellness Visit for Daily Physician Office Visit Benefit is not available in the state of Michigan.

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.





    Oupatient Radiology & X-ray Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Daily Outpatient Diagnostic Radiology & X-Ray Benefit

    $75 per day Daily Outpatient Diagnostic Laboratory Tests Benefit

    Max 1 day per plan year for medically necessary visit and an additional 1 day for other Wellness visit.

    Daily Outpatient Diagnostic Radiology & X-Ray benefit does not include Radiation Therapy.

    Note: The Wellness Visit for Daily Outpatient Diagnostic Radiology & X-Ray Benefit is not available in the state of Michigan.

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.





    Outpatient Laboratory Test Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Daily Outpatient Diagnostic Laboratory Tests Benefit

    $75 per day Daily Outpatient Diagnostic Laboratory Tests Benefit

    Max 1 day per plan year for medically necessary visit and an additional 1 day for other Wellness visit.

    In addition to medically necessary treatment, we will also cover wellness care for outpatient diagnostic laboratory tests to the extent that they are provided by, or under the supervision of, a single technician during the course of one visit.

    Note: The Wellness Visit for Daily Outpatient Diagnostic Laboratory Tests Benefit is not available in the state of Michigan.

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.





    Critical Illness Insurance Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Critical Illness Insurance Benefit

    $5,000 Critical Illness Benefit Lifetime Maximum Benefit Amount

    Maximum Lifetime Benefit Amount is $500 if first diagnosis of a Covered Critical Illness occurs within the first year from the effective date. Benefit ends at age 65 and Critical Illness Insurance Benefit is only available for Covered Member and their Eligible Spouse.

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.





    Group Term Life Insurance


    Group Term Life Insurance

    $5,000 Principal Sum Maximum Benefit

    Benefit ends at age 65 and Group Term Life Insurance is only available for Covered Member and their Eligible Spouse.

    Group Term Life Insurance for this plan is only available in the following states: AL, AR, AZ, CA, FL, GA, IL, IN, KY, MI, MO, MS, NE, NM, OH, OK, PA, SC, TN, TX & VA.

    Group Term Life Insurance is underwritten by Investors Heritage Life Insurance Company.






    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    GROUP ACCIDENT INSURANCE &
    GROUP HOSPITAL FIXED INDEMNITY INSURANCE
    UNDERWRITTEN BY:
    United States Fire Insurance Company

    Crum & Forster Logo


    GROUP TERM LIFE INSURANCE
    UNDERWRITTEN BY:
    Investors Heritage Life Insurance Company

    Group Term Life Insurance provided by Investors Heritage Life Insurance Company


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo


    THE INSURANCE PORTIONS OF THIS PRODUCT PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. THIS IS A GROUP ACCIDENT & HOSPITAL FIXED INDEMNITY INSURANCE & GROUP TERM LIFE INSURANCE ONLY POLICY.


    The following monthly insurance rates apply to coverage underwritten by United States Fire Insurance Company1 and Investors Heritage Life Insurance Company2. Your overall total association membership dues for the Gap Plus Product also include these monthly insurance rates

    1Group Accident Insurance:
    $5.42 (Individual), $10.87 (Ind+1), $19.00 (Family)

    1Group Hospital Fixed Indemnity Insurance:
    $7.98 (Individual), $15.66 (Ind+1), $19.90 (Family)

    1Critical Illness Insurance Benefit Rider:
    $3.00 (Individual), $6.00 (Ind+1), $6.00 (Family)

    2Group Term Life Insurance:
    $1.90 (Individual), $3.80 (Ind+1), $3.80 (Family) - in available states


    Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance products and is not an insurance contract, nor part of the Certificate of Insurance and is subject to the terms, conditions, limitations, and exclusions of the Group Policy and Certificate(s) of Insurance. Coverage may vary or may not be available in all states. You’ll find complete coverage details in the Certificate(s) of Insurance. Group Accident Insurance and Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company, Eatontown, NJ. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Covered Critical Illnesses are subject to the definitions, limitations and exclusions of the Group Policy and Certificate Rider. Coverage for Critical Illness is for Member and eligible Spouse between the ages of 18-64. Benefit for Group Critical Illness Insurance ends at age 65. Benefits are paid at 10% of the Benefit Maximum if first diagnosis occurs in the first year from the effective date. Group Term Life Insurance is underwritten by Investors Heritage Life Insurance Company and covers member and eligible spouse only and coverage ends at age 65. Product cost for the Gap Plus Product does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this product.

    United Business Association, Crum & Forster, United States Fire Insurance Company, Investors Heritage Life Insurance Company and Healthy America are separate legal entities and have sole financial responsibility for their own products.

    AH-2562







  • Certificates of Insurance (Limitations & Exclusions)


  • Claim Forms

    GET ACCIDENT & WELLNESS CLAIM FORM

    GET CRITICAL ILLNESS CLAIM FORM

    Term Life States are:
    AL, AR, AZ, CA, FL, GA, IL, IN, KY, MI,
    MO, MS, NE, NM, OH, OK, PA, SC, TN, TX & VA

    GET TERM LIFE CLAIM FORM

  • Non-Insurance UBA Benefit Boost Services

    Benefit Boost Services

    Non-Insurance Services included in this product.

    This product includes Benefit Boost Subscription Services which are: telehealth (urgent visits and talk therapy) with MeMD®, free gummy multi-vitamins, retail prescription & pet prescription discounts, Aetna Dental Access discounts, and Identity theft protection with LifeLock®.

    All Benefit Boost Services are not Insurance and are separate services from the insurance as part of this optional membership product. Benefit Boost services are subject to change when needed.

    As part of your overall Gap Plus Product cost, the non-insurance Benefit Boost Subscription services retail at $25 (Individual), $40 (Ind+1), $60 (Family).

    If you purchased the Virtual PCP Solution Subscription Membership with the Benefit Boost Subscription Membership, the MeMD® membership services will be based on the Virtual PCP Solution Subscription services with MeMD®.

    Crum & Forster, United States Fire Insurance Company, and Investors Heritage Life Insurance Company do not offer and are not affiliated with the additional non-insurance Benefit Boost services and discount programs offered in connection with membership in the United Business Association (UBA).




  • Get a Quote & Apply


Gap 10 Plan


GAP 10

Plus Benefit Boost

CUT YOUR EXPENSES.

Get the upper hand on out-of-pocket expenses.

The Gap 10 Product is designed to supplement your comprehensive health insurance and give you additional protection for out-of-pocket expenses for accidents or critical illnesses. Nearly identical to our Gap Basic Product benefits, but without the Group Term Life Insurance, our Gap 10 Product offers double the coverage or a $10,000 max Blanket Group Accident Medical Expense and Group Critical Illness Insurance benefit. With the Gap 10 Product, members can get the upper hand on their out-of-pocket medical expenses for covered accidents and first diagnosis of covered critical illnesses. This product offers valuable coverage for those who are accident-prone or who have a family history of cancer, heart attack or stroke. Are you looking for more coverage? Scroll down for more product options.



Gap 10 State Availability
AL, AR, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NJ, NV, OH, OK, RI, TN, TX, VA, WI, WV & WY


This Optional Product includes Group Insurance &
Benefit Boost Non-Insurance Services
  • Product Cost*

    $40 - Ind   |   $60 - Ind+1   |   $90 - Family

  • Brief Group Insurance Description
    Gap Basic Plan

    GAP 10

    Get the upper hand on out-of-pocket expenses.



    Blanket Group Accident Insurance


    Blanket Group Accident Insurance

    Blanket Group Accident Medical Expense Insurance

    $10,000 Group Accident Medical Expense Insurance Annual Maximum Benefit.

    $100 Deductible per accident.

    Blanket Group Accidental Death & Dismemberment Insurance

    $5,000 Group Accidental Death & Dismemberment Insurance Maximum Principal Sum.

    Blanket Group Accident Insurance is underwritten by Sirius America Insurance Company.





    Group Critical Illness Insurance


    Group Critical Illness Insurance

    Critical Illness Insurance Benefit

    $10,000 Critical Illness Benefit Lifetime Maximum Benefit Amount

    Maximum Lifetime Benefit Amount is $1000 if first diagnosis of a Covered Critical Illness occurs within the first year from the effective date. Invasive Cancer benefit will not be paid if Proof of Loss occurs prior to 45 days from the effective date. Benefit ends at age 65 and Critical Illness Insurance Benefit is only available for Covered Member and their Eligible Spouse.

    Group Critical Illness Insurance is underwritten by Sirius America Insurance Company.






    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    BLANKET GROUP ACCIDENT INSURANCE
    & GROUP CRITICAL ILLNESS INSURANCE
    UNDERWRITTEN BY:
    Sirius America Insurance Company

    Sirius America Insurance Company Logo


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo


    THE INSURANCE PORTIONS OF THIS PRODUCT PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. COVERAGE IS PROVIDED UNDER BLANKET ACCIDENT AND GROUP CRITICAL ILLNESS INSURANCE ONLY POLICIES.


    The following monthly insurance rates apply to coverage underwritten by Sirius America Insurance Company1. Your overall total association membership dues for the Gap 10 Product also include these monthly insurance rates:

    1Blanket Group Accident Insurance:
    $6.00(Individual), $12.00 (Ind+1), $22.61 (Family)

    1Group Critical Illness Insurance:
    $6.18 (Individual), $12.36 (Ind+1), $12.36 (Family)


    Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance products and is not an insurance contract, nor part of the Certificate of Insurance and is subject to the terms, conditions, limitations, and exclusions of the Blanket Group Policy and Certificate(s) of Insurance. Coverage may vary or may not be available in all states. You’ll find complete coverage details in the Certificate(s) of Insurance. Blanket Accident Insurance and Group Critical Illness Insurance are underwritten by Sirius America Insurance Company, New York, NY. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Covered Critical Illnesses are subject to the definitions, limitations and exclusions of the Group Policy. Coverage for Critical Illness is for Member and eligible Spouse between the ages of 18-64. Benefit for Group Critical Illness Insurance ends at age 65. Group Critical Illness Insurance Benefit Maximum is reduced if the first diagnosis occurs in the first year from the effective date. Product cost for the Gap 10 Product does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this product.

    United Business Association, Sirius America Insurance Company, and Healthy America are separate legal entities and have sole financial responsibility for their own products.

    HA-1000







  • Certificates of Insurance (Limitations & Exclusions)


  • Claim Forms


  • Non-Insurance UBA Benefit Boost Services

    Benefit Boost Services

    Non-Insurance Services included in this product.

    This product includes Benefit Boost Subscription Services which are: telehealth (urgent visits and talk therapy) with MeMD®, free gummy multi-vitamins, retail prescription & pet prescription discounts, Aetna Dental Access discounts, and Identity theft protection with LifeLock®.

    All Benefit Boost Services are not Insurance and are separate services from the insurance as part of this optional membership product. Benefit Boost services are subject to change when needed.

    As part of your overall Gap 10 Product cost, the non-insurance Benefit Boost Subscription services retail at $25 (Individual), $40 (Ind+1), $60 (Family).

    If you purchased the Virtual PCP Solution Subscription Membership with the Benefit Boost Subscription Membership, the MeMD® membership services will be based on the Virtual PCP Solution Subscription services with MeMD®.

    Sirius America Insurance Company does not offer and is not affiliated with the additional non-insurance Benefit Boost services and discount programs offered in connection with membership in the United Business Association (UBA).




  • Get a Quote & Apply


Gap Max Plan


GAP MAX

Plus Benefit Boost

MAX YOUR BENEFITS.

Expect the unexpected and be prepared.

The Gap Max Product has similar advantages to our Gap 10 Product but also includes a higher Critical Illness benefit and Term Life Insurance (in available states). Gap Max offers $10,000 in Group Accident Medical Expense Insurance. This product also includes Group Hospital Fixed Indemnity Insurance for daily hospital confinement, daily emergency room visits for accidents and sickness as well as a $25,000 Critical Illness Insurance maximum lifetime benefit. Gap Max is designed to be a supplement to your comprehensive health insurance plan for additional protection and is one of our more popular products. Gap Max offers valuable coverage for people who are accident prone as well as those with a family history of cancer, heart attack and stroke. Scroll down for additional states.



Gap Max State Availability
AL, AR, DC, DE, FL, GA, IA, IL, IN, KY, LA, MI, MS, NC, ND, NE, NM, OH, OK, RI, SC, TN, VA, VT, WI, WV & WY


This Optional Product includes Group Insurance &
Benefit Boost Non-Insurance Services
  • Product Cost*

    $60 - Ind   |   $105 - Ind+1   |   $130 - Family

  • Brief Group Insurance Description
    Gap Max Plan

    GAP MAX

    Expect the unexpected and be prepared.



    Group Accident Insurance


    Group Accident Insurance

    Group Accident Medical Expense Insurance

    $10,000 Group Accident Medical Expense Insurance Annual Maximum Benefit.

    $100 Deductible per accident.

    Group Accidental Death & Dismemberment Insurance

    $5,000 Group Accidental Death & Dismemberment Insurance Maximum Principal Sum.

    Group Accident Insurance is underwritten by United States Fire Insurance Company.





    Daily Hospital Confinement Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Daily Hospital Confinement Benefit

    $500 Daily Hospital Confinement Benefit

    Days 1-3 for hospital confinement in a policy period

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.





    Emergency Room Visit Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Emergency Room Visit Benefit

    $500 per day Daily Emergency Room Visit Benefit for Accident & Sickness

    Max 10 days per policy period for Accident & Sickness

    Includes covered medical emergency visits at In-Hospital Emergency Rooms, Free Standing Emergency Rooms, and Licensed Urgent Care Centers.

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.





    Critical Illness Insurance Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Critical Illness Insurance Benefit

    $25,000 Critical Illness Benefit Lifetime Maximum Benefit Amount

    Maximum Lifetime Benefit Amount is $2,500 if first diagnosis of a Covered Critical Illness occurs within the first year from the effective date. Benefit ends at age 65 and Critical Illness Insurance Benefit is only available for Covered Member and their Eligible Spouse.

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.





    Group Term Life Insurance


    Group Term Life Insurance

    $10,000 Principal Sum Maximum Benefit

    Benefit ends at age 65 and Group Term Life Insurance is only available for Covered Member and their Eligible Spouse.

    Group Term Life Insurance for this plan is only available in the following states: AL, AR, AZ, CA, FL, GA, IL, IN, KY, MI, MO, MS, NE, NM, OH, OK, PA, SC, TN, TX & VA.

    Group Term Life Insurance is underwritten by Investors Heritage Life Insurance Company.






    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    GROUP ACCIDENT INSURANCE &
    GROUP HOSPITAL FIXED INDEMNITY INSURANCE
    UNDERWRITTEN BY:
    United States Fire Insurance Company

    Crum & Forster Logo


    GROUP TERM LIFE INSURANCE
    UNDERWRITTEN BY:
    Investors Heritage Life Insurance Company

    Group Term Life Insurance provided by Investors Heritage Life Insurance Company


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo


    THE INSURANCE PORTIONS OF THIS PRODUCT PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. THIS IS A GROUP ACCIDENT & HOSPITAL FIXED INDEMNITY INSURANCE & GROUP TERM LIFE INSURANCE ONLY POLICY.


    The following monthly insurance rates apply to coverage underwritten by United States Fire Insurance Company1 and Investors Heritage Life Insurance Company2. Your overall total association membership dues for the Gap Max Product also include these monthly insurance rates:

    1Group Accident Insurance:
    $5.42 (Individual), $10.87 (Ind+1), $19.00 (Family)

    1Group Hospital Fixed Indemnity Insurance:
    $9.04 (Individual), $18.07 (Ind+1), $31.63 (Family)

    1Critical Illness Insurance Benefit Rider:
    $7.86 (Individual), $15.73 (Ind+1), $15.73 (Family)

    2Group Term Life Insurance:
    $3.80 (Individual), $7.60 (Ind+1), $7.60 (Family) - in available states


    Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance products and is not an insurance contract, nor part of the Certificate of Insurance and is subject to the terms, conditions, limitations, and exclusions of the Group Policy and Certificate(s) of Insurance. Coverage may vary or may not be available in all states. You’ll find complete coverage details in the Certificate(s) of Insurance. Group Accident Insurance and Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company, Eatontown, NJ. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Covered Critical Illnesses are subject to the definitions, limitations and exclusions of the Group Policy and Certificate Rider. Coverage for Critical Illness is for Member and eligible Spouse between the ages of 18-64. Benefit for Group Critical Illness Insurance ends at age 65. Benefits are paid at 10% of the Benefit Maximum if first diagnosis occurs in the first year from the effective date. Group Term Life Insurance is underwritten by Investors Heritage Life Insurance Company and covers member and eligible spouse only and coverage ends at age 65. Product cost for the Gap Max Product does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this product.

    United Business Association, Crum & Forster, United States Fire Insurance Company, Investors Heritage Life Insurance Company and Healthy America are separate legal entities and have sole financial responsibility for their own products.

    AH-2562







  • Certificates of Insurance (Limitations & Exclusions)


  • Claim Forms

    GET ACCIDENT & WELLNESS CLAIM FORM

    GET CRITICAL ILLNESS CLAIM FORM

    Term Life States are:
    AL, AR, AZ, CA, FL, GA, IL, IN, KY, MI,
    MO, MS, NE, NM, OH, OK, PA, SC, TN, TX & VA

    GET TERM LIFE CLAIM FORM

  • Non-Insurance UBA Benefit Boost Services

    Benefit Boost Services

    Non-Insurance Services included in this product.

    This product includes Benefit Boost Subscription Services which are: telehealth (urgent visits and talk therapy) with MeMD®, free gummy multi-vitamins, retail prescription & pet prescription discounts, Aetna Dental Access discounts, and Identity theft protection with LifeLock®.

    All Benefit Boost Services are not Insurance and are separate services from the insurance as part of this optional membership product. Benefit Boost services are subject to change when needed.

    As part of your overall Gap Max Product cost, the non-insurance Benefit Boost Subscription services retail at $25 (Individual), $40 (Ind+1), $60 (Family).

    If you purchased the Virtual PCP Solution Subscription Membership with the Benefit Boost Subscription Membership, the MeMD® membership services will be based on the Virtual PCP Solution Subscription services with MeMD®.

    Crum & Forster, United States Fire Insurance Company, and Investors Heritage Life Insurance Company do not offer and are not affiliated with the additional non-insurance Benefit Boost services and discount programs offered in connection with membership in the United Business Association (UBA).




  • Get a Quote & Apply


Gap Max Plan


GAP MAX

Plus Benefit Boost

MAX YOUR BENEFITS.

Expect the unexpected and be prepared.

The Gap Max Product has similar advantages to our Gap 10 Product but also includes a higher Critical Illness benefit and Term Life Insurance (in available states). Gap Max offers $10,000 in Group Accident Medical Expense Insurance. This product also includes Group Hospital Fixed Indemnity Insurance for daily hospital confinement, daily emergency room visits for accidents and sickness as well as a $25,000 Critical Illness Insurance maximum lifetime benefit. Gap Max is designed to be a supplement to your comprehensive health insurance plan for additional protection and is one of our more popular products. Gap Max offers valuable coverage for people who are accident prone as well as those with a family history of cancer, heart attack and stroke. Scroll up for additional states.



Gap Max State Availability
AZ, MO & TX



This Optional Product includes Group Insurance &
Benefit Boost Non-Insurance Services
  • Product Cost*

    $60 - Ind   |   $105 - Ind+1   |   $130 - Family

  • Brief Group Insurance Description
    Gap Max Plan

    GAP MAX

    Expect the unexpected and be prepared.



    Group Accident Insurance


    Group Accident Insurance

    Group Accident Medical Expense Insurance

    $10,000 Group Accident Medical Expense Insurance Annual Maximum Benefit.

    $100 Deductible per accident.

    Group Accidental Death & Dismemberment Insurance

    $5,000 Group Accidental Death & Dismemberment Insurance Maximum Principal Sum.

    Group Accident Insurance is underwritten by United States Fire Insurance Company.





    Daily Hospital Confinement Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Daily Hospital Confinement Benefit

    $500 Daily Hospital Confinement Benefit

    Days 1-3 for hospital confinement in a policy period

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.





    Emergency Room Visit Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Emergency Room Visit Benefit

    $500 per day Daily Emergency Room Visit Benefit for Accident & Sickness

    Max 10 days per policy period for Accident & Sickness

    Includes covered medical emergency visits at In-Hospital Emergency Rooms, Free Standing Emergency Rooms, and Licensed Urgent Care Centers.

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.





    Group Critical Illness Insurance


    Group Hospital Fixed Indemnity Insurance

    Maximum Benefit

    $25,000 Critical Illness Maximum Lifetime Benefit Amount

    Maximum Lifetime Benefit Amount is $2,500 if first diagnosis of a Covered Critical Illness occurs within the first year from the effective date. Benefit ends at age 65 and Group Critical Illness Insurance is only available for Covered Member and their Eligible Spouse.

    Group Critical Illness Insurance is underwritten by Windsor Life Insurance Company.





    Group Term Life Insurance


    Group Term Life Insurance

    $10,000 Principal Sum Maximum Benefit

    Benefit ends at age 65 and Group Term Life Insurance is only available for Covered Member and their Eligible Spouse.

    Group Term Life Insurance for this plan is only available in the following states: AL, AR, AZ, CA, FL, GA, IL, IN, KY, MI, MO, MS, NE, NM, OH, OK, PA, SC, TN, TX & VA.

    Group Term Life Insurance is underwritten by Investors Heritage Life Insurance Company.






    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    GROUP ACCIDENT INSURANCE &
    GROUP HOSPITAL FIXED INDEMNITY INSURANCE
    UNDERWRITTEN BY:
    United States Fire Insurance Company

    Crum & Forster Logo


    GROUP CRITICAL ILLNESS INSURANCE
    UNDERWRITTEN BY:
    Windsor Life Insurance Company

    Windsor - Optimum RE Logo


    GROUP TERM LIFE INSURANCE
    UNDERWRITTEN BY:
    Investors Heritage Life Insurance Company

    Group Term Life Insurance provided by Investors Heritage Life Insurance Company


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo


    THE INSURANCE PORTIONS OF THIS PRODUCT PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. THIS IS A GROUP ACCIDENT & HOSPITAL FIXED INDEMNITY INSURANCE & GROUP TERM LIFE INSURANCE ONLY POLICY.


    The following monthly insurance rates apply to coverage underwritten by United States Fire Insurance Company1 , Windsor Life Insurance Company2, and Investors Heritage Life Insurance Company3. Your overall total association membership dues for the Gap Max Product also include these monthly insurance rates:

    1Group Accident Insurance:
    $5.42 (Individual), $10.87 (Ind+1), $19.00 (Family)

    1Group Hospital Fixed Indemnity Insurance:
    $9.04 (Individual), $18.07 (Ind+1), $31.63 (Family)

    2Group Critical Illness Insurance:
    $10 (Individual), $20 (Ind+1), $20 (Family)

    3Group Term Life Insurance:
    $3.80 (Individual), $7.60 (Ind+1), $7.60 (Family) - in available states


    Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance products and is not an insurance contract, nor part of the Certificate of Insurance and is subject to the terms, conditions, limitations, and exclusions of the Certificate(s) of Insurance and/or Certificate Riders. Coverage may vary or may not be available in all states. You'll find complete coverage details in the Certificate(s) of Insurance and/or Certificate Riders. Group Accident Insurance and Group Hospital Fixed Indemnity Insurance are underwritten by United States Fire Insurance Company, Eatontown, NJ. Group Critical Illness is underwritten by Windsor Life Insurance Company. Coverage for Critical Illness Insurance Benefit ends at age 65 and is available to Covered Member and Eligible Spouse only. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Group Term Life Insurance is underwritten by Investors Heritage Life Insurance Company and is available to Covered Member and Eligible Spouse only and coverage ends at age 65. Produt cost for the Gap Max Product does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this product.

    United Business Association, Crum & Forster, United States Fire Insurance Company, Windsor Life Insurance Company, Optimum Re, Investors Heritage Life Insurance Company and Healthy America are separate legal entities and have sole financial responsibility for their own products.

    AH-2562







  • Certificates of Insurance (Limitations & Exclusions)


  • Claim Forms

    GET ACCIDENT & ER CLAIM FORM

    GET CRITICAL ILLNESS CLAIM FORM

    Term Life States are: AL, AR, AZ, CA, FL, GA, IL, IN, KY, MI, MO, MS, NE, NM, OH, OK, PA, SC, TN, TX & VA

    GET TERM LIFE CLAIM FORM

  • Non-Insurance UBA Benefit Boost Services

    Benefit Boost Services

    Non-Insurance Services included in this product.

    This product includes Benefit Boost Subscription Services which are: telehealth (urgent visits and talk therapy) with MeMD®, free gummy multi-vitamins, retail prescription & pet prescription discounts, Aetna Dental Access discounts, and Identity theft protection with LifeLock®.

    All Benefit Boost Services are not Insurance and are separate services from the insurance as part of this optional membership product. Benefit Boost services are subject to change when needed.

    As part of your overall Gap Max Product cost, the non-insurance Benefit Boost Subscription services retail at $25 (Individual), $40 (Ind+1), $60 (Family).

    If you purchased the Virtual PCP Solution Subscription Membership with the Benefit Boost Subscription Membership, the MeMD® membership services will be based on the Virtual PCP Solution Subscription services with MeMD®.

    Crum & Forster, United States Fire Insurance Company, Windsor Life Insurance Company, Optimum Life Reinsurance Company and Investors Heritage Life Insurance Company do not offer and are not affiliated with the additional non-insurance Benefit Boost services and discount programs offered in connection with membership in the United Business Association (UBA).




  • Get a Quote & Apply


Gap 25 Plan


GAP 25

Plus Benefit Boost

CUT YOUR EXPENSES.

Get the upper hand on out-of-pocket expenses.

The Gap 25 Product mirrors our Gap 10 Product's coverage, but with one crucial difference, the total of the maximum benefits. The maximum Blanket Group Accident Medical Expense Insurance and Group Critical Illness Insurance benefit are $25,000 with the Gap 25 Product. This additional supplemental protection offers members the peace of mind for those that are accident prone or have a family history of cancer, heart attack or stroke and want that extra layer of protection for out-of-pocket expenses like deductibles, coinsurance maximums & out-of-network costs. The Gap 25 Product is designed to supplement your comprehensive health insurance plan for additional protection. Get the upper hand on your out-of-pocket medical expenses related to accidents or critical illness and be prepared by selecting Gap 25.



Gap 25 State Availability
AL, AR, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NJ, NV, OH, OK, RI, TN, TX, VA, WI, WV & WY


This Optional Product includes Group Insurance &
Benefit Boost Non-Insurance Services
  • Product Cost*

    $50 - Ind   |   $100 - Ind+1   |   $120 - Family

  • Brief Group Insurance Description
    Gap 25 Plan

    GAP 25

    Get the upper hand on out-of-pocket expenses.



    Blanket Group Accident Insurance


    Blanket Group Accident Insurance

    Blanket Group Accident Medical Expense Insurance

    $25,000 Group Accident Medical Expense Insurance Annual Maximum Benefit.

    $100 Deductible per accident.

    Blanket Group Accidental Death & Dismemberment Insurance

    $5,000 Group Accidental Death & Dismemberment Insurance Maximum Principal Sum.

    Blanket Group Accident Insurance is underwritten by Sirius America Insurance Company.





    Group Critical Illness Insurance


    Group Critical Illness Insurance

    Critical Illness Insurance Benefit

    $25,000 Critical Illness Benefit Lifetime Maximum Benefit Amount

    Maximum Lifetime Benefit Amount is $2500 if first diagnosis of a Covered Critical Illness occurs within the first year from the effective date. Invasive Cancer benefit will not be paid if Proof of Loss occurs prior to 45 days from the effective date. Benefit ends at age 65 and Critical Illness Insurance Benefit is only available for Covered Member and their Eligible Spouse.

    Group Critical Illness Insurance is underwritten by Sirius America Insurance Company.






    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    BLANKET GROUP ACCIDENT INSURANCE
    & GROUP CRITICAL ILLNESS INSURANCE
    UNDERWRITTEN BY:
    Sirius America Insurance Company

    Sirius America Insurance Company Logo


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo


    THE INSURANCE PORTIONS OF THIS PRODUCT PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. COVERAGE IS PROVIDED UNDER BLANKET ACCIDENT AND GROUP CRITICAL ILLNESS INSURANCE ONLY POLICIES.


    The following monthly insurance rates apply to coverage underwritten by Sirius America Insurance Company1. Your overall total association membership dues for the Gap 25 Product also include these monthly insurance rates:

    1Blanket Group Accident Insurance:
    $8.54(Individual), $17.07 (Ind+1), $32.18 (Family)

    1Group Critical Illness Insurance:
    $15.45 (Individual), $30.90 (Ind+1), $30.90 (Family)


    Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance products and is not an insurance contract, nor part of the Certificate of Insurance and is subject to the terms, conditions, limitations, and exclusions of the Blanket Group Policy and Certificate(s) of Insurance. Coverage may vary or may not be available in all states. You’ll find complete coverage details in the Certificate(s) of Insurance. Blanket Accident Insurance and Group Critical Illness Insurance are underwritten by Sirius America Insurance Company, New York, NY. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Covered Critical Illnesses are subject to the definitions, limitations and exclusions of the Group Policy. Coverage for Critical Illness is for Member and eligible Spouse between the ages of 18-64. Benefit for Group Critical Illness Insurance ends at age 65. Group Critical Illness Insurance Benefit Maximum is reduced if the first diagnosis occurs in the first year from the effective date. Product cost for the Gap 25 Product does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this product.

    United Business Association, Sirius America Insurance Company, and Healthy America are separate legal entities and have sole financial responsibility for their own products.

    HA-1000







  • Certificates of Insurance (Limitations & Exclusions)


  • Claim Forms


  • Non-Insurance UBA Benefit Boost Services

    Benefit Boost Services

    Non-Insurance Services included in this product.

    This product includes Benefit Boost Subscription Services which are: telehealth (urgent visits and talk therapy) with MeMD®, free gummy multi-vitamins, retail prescription & pet prescription discounts, Aetna Dental Access discounts, and Identity theft protection with LifeLock®.

    All Benefit Boost Services are not Insurance and are separate services from the insurance as part of this optional membership product. Benefit Boost services are subject to change when needed.

    As part of your overall Gap 25 Product cost, the non-insurance Benefit Boost Subscription services retail at $25 (Individual), $40 (Ind+1), $60 (Family).

    If you purchased the Virtual PCP Solution Subscription Membership with the Benefit Boost Subscription Membership, the MeMD® membership services will be based on the Virtual PCP Solution Subscription services with MeMD®.

    Sirius America Insurance Company does not offer and is not affiliated with the additional non-insurance Benefit Boost services and discount programs offered in connection with membership in the United Business Association (UBA).




  • Get a Quote & Apply


Super Gap Plus Plan


SUPER GAP PLUS

Plus Benefit Boost

GET IN THE FIGHT.

Fighting the battle against out-of-pocket costs.

The Super Gap Plus Product is the ultimate coverage for critical illness, accidents, and supplemental insurance programs. Our Super Gap Plus Product offers stellar group insurance benefits for our members, such as $25,000 Group Accident Insurance, Group Hospital Fixed Indemnity Insurance for daily hospital confinement, emergency room visits for accident and sickness, daily physician office visits, daily outpatient diagnostic laboratory test, daily outpatient diagnostic radiology and x-rays, $25,000 Critical Illness Benefit maximum amount, and $10,000 Group Term Life Insurance (in available states). Super Gap Plus is the most popular product among new members that includes optional supplemental group insurance programs through the United Business Association due to the maximum coverages available with this product. Scroll down to view additional states available for the Super Gap Plus Product.



Super Gap Plus State Availability
AL, AR, DC, DE, FL, GA, IA, IL, IN, KY, LA, MI, MS, NC, ND, NE, NM, OH, OK, RI, SC, TN, VA, VT, WI, WV & WY


This Optional Product includes Group Insurance &
Benefit Boost Non-Insurance Services
  • Product Cost*

    $70 - Ind   |   $130 - Ind+1   |   $150 - Family

  • Brief Group Insurance Description
    Super Gap Plus Plan

    SUPER GAP PLUS

    Fighting the battle against out-of-pocket costs.



    Group Accident Insurance


    Group Accident Insurance

    Group Accident Medical Expense Insurance

    $25,000 Group Accident Medical Expense Insurance Annual Maximum Benefit.

    $100 Deductible per accident.

    Group Accidental Death & Dismemberment Insurance

    $5,000 Group Accidental Death & Dismemberment Insurance Maximum Principal Sum.

    Group Accident Insurance is underwritten by United States Fire Insurance Company.





    Daily Hospital Confinement Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Daily Hospital Confinement Benefit

    $500 Daily Hospital Confinement Benefit

    Days 1-3 for hospital confinement in a policy period

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.





    Emergency Room Visit Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Emergency Room Visit Benefit

    $500 per day Daily Emergency Room Visit Benefit for Accident & Sickness

    Max 10 days per policy period for Accident & Sickness

    Includes covered medical emergency visits at In-Hospital Emergency Rooms, Free Standing Emergency Rooms, and Licensed Urgent Care Centers.

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.





    Physician Office Visit Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Daily Physician Office Visit Benefit

    $125 per day Daily Physician Office Visit Benefit

    Max 1 day per plan year for medically necessary visit and an additional 1 day for other Wellness visit.

    Covered Wellness Services include: A history and physical examination & immunizations as provided by department of health regulation.

    Note: The Wellness Visit for Daily Physician Office Visit Benefit is not available in the state of Michigan.

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.





    Oupatient Radiology & X-ray Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Daily Outpatient Diagnostic Radiology & X-Ray Benefit

    $75 per day Daily Outpatient Diagnostic Laboratory Tests Benefit

    Max 1 day per plan year for medically necessary visit and an additional 1 day for other Wellness visit.

    Daily Outpatient Diagnostic Radiology & X-Ray benefit does not include Radiation Therapy.

    Note: The Wellness Visit for Daily Outpatient Diagnostic Radiology & X-Ray Benefit is not available in the state of Michigan.

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.





    Outpatient Laboratory Test Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Daily Outpatient Diagnostic Laboratory Tests Benefit

    $75 per day Daily Outpatient Diagnostic Laboratory Tests Benefit

    Max 1 day per plan year for medically necessary visit and an additional 1 day for other Wellness visit.

    In addition to medically necessary treatment, we will also cover wellness care for outpatient diagnostic laboratory tests to the extent that they are provided by, or under the supervision of, a single technician during the course of one visit.

    Note: The Wellness Visit for Daily Outpatient Diagnostic Laboratory Tests Benefit is not available in the state of Michigan.

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.





    Critical Illness Insurance Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Critical Illness Insurance Benefit

    $25,000 Critical Illness Benefit Lifetime Maximum Benefit Amount

    Maximum Lifetime Benefit Amount is $2,500 if first diagnosis of a Covered Critical Illness occurs within the first year from the effective date. Benefit ends at age 65 and Critical Illness Insurance Benefit is only available for Covered Member and their Eligible Spouse.

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.





    Group Term Life Insurance


    Group Term Life Insurance

    $10,000 Principal Sum Maximum Benefit

    Benefit ends at age 65 and Group Term Life Insurance is only available for Covered Member and their Eligible Spouse.

    Group Term Life Insurance for this plan is only available in the following states: AL, AR, AZ, CA, FL, GA, IL, IN, KY, MI, MO, MS, NE, NM, OH, OK, PA, SC, TN, TX & VA.

    Group Term Life Insurance is underwritten by Investors Heritage Life Insurance Company.






    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    GROUP ACCIDENT INSURANCE &
    GROUP HOSPITAL FIXED INDEMNITY INSURANCE
    UNDERWRITTEN BY:
    United States Fire Insurance Company

    Crum & Forster Logo


    GROUP TERM LIFE INSURANCE
    UNDERWRITTEN BY:
    Investors Heritage Life Insurance Company

    Group Term Life Insurance provided by Investors Heritage Life Insurance Company


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo


    THE INSURANCE PORTIONS OF THIS PRODUCT PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. THIS IS A GROUP ACCIDENT & HOSPITAL FIXED INDEMNITY INSURANCE & GROUP TERM LIFE INSURANCE ONLY POLICY.


    The following monthly insurance rates apply to coverage underwritten by United States Fire Insurance Company1 and Investors Heritage Life Insurance Company2. Your overall total association membership dues for the Super Gap Plus Product also include these monthly insurance rates:

    1Group Accident Insurance:
    $5.42 (Individual), $10.87 (Ind+1), $19.00 (Family)

    1Group Hospital Fixed Indemnity Insurance:
    $11.36 (Individual), $22.69 (Ind+1), $36.85 (Family)

    1Critical Illness Insurance Benefit Rider:
    $7.86 (Individual), $15.73 (Ind+1), $15.73 (Family)

    2Group Term Life Insurance:
    $3.80 (Individual), $7.60 (Ind+1), $7.60 (Family) - in available states


    Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance products and is not an insurance contract, nor part of the Certificate of Insurance and is subject to the terms, conditions, limitations, and exclusions of the Group Policy and Certificate(s) of Insurance. Coverage may vary or may not be available in all states. You’ll find complete coverage details in the Certificate(s) of Insurance. Group Accident Insurance and Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company, Eatontown, NJ. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Covered Critical Illnesses are subject to the definitions, limitations and exclusions of the Group Policy and Certificate Rider. Coverage for Critical Illness is for Member and eligible Spouse between the ages of 18-64. Benefit for Group Critical Illness Insurance ends at age 65. Benefits are paid at 10% of the Benefit Maximum if first diagnosis occurs in the first year from the effective date. Group Term Life Insurance is underwritten by Investors Heritage Life Insurance Company and covers member and eligible spouse only and coverage ends at age 65. Product cost for the Super Gap Plus Product does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this product.

    United Business Association, Crum & Forster, United States Fire Insurance Company, Investors Heritage Life Insurance Company and Healthy America are separate legal entities and have sole financial responsibility for their own products.

    AH-2562







  • Certificates of Insurance (Limitations & Exclusions)


  • Claim Forms

    GET ACCIDENT & WELLNESS CLAIM FORM

    GET CRITICAL ILLNESS CLAIM FORM

    Term Life States are:
    AL, AR, AZ, CA, FL, GA, IL, IN, KY, MI,
    MO, MS, NE, NM, OH, OK, PA, SC, TN, TX & VA

    GET TERM LIFE CLAIM FORM

  • Non-Insurance UBA Benefit Boost Services

    Benefit Boost Services

    Non-Insurance Services included in this product.

    This product includes Benefit Boost Subscription Services which are: telehealth (urgent visits and talk therapy) with MeMD®, free gummy multi-vitamins, retail prescription & pet prescription discounts, Aetna Dental Access discounts, and Identity theft protection with LifeLock®.

    All Benefit Boost Services are not Insurance and are separate services from the insurance as part of this optional membership product. Benefit Boost services are subject to change when needed.

    As part of your overall Super Gap Plus Product cost, the non-insurance Benefit Boost Subscription services retail at $25 (Individual), $40 (Ind+1), $60 (Family).

    If you purchased the Virtual PCP Solution Subscription Membership with the Benefit Boost Subscription Membership, the MeMD® membership services will be based on the Virtual PCP Solution Subscription services with MeMD®.

    Crum & Forster, United States Fire Insurance Company, and Investors Heritage Life Insurance Company do not offer and are not affiliated with the additional non-insurance Benefit Boost services and discount programs offered in connection with membership in the United Business Association (UBA).




  • Get a Quote & Apply


Super Gap Plus Plan


SUPER GAP PLUS

Plus Benefit Boost

GET IN THE FIGHT.

Fighting the battle against out-of-pocket costs.

The Super Gap Plus Product is the ultimate coverage for critical illness, accidents, and supplemental insurance programs. Our Super Gap Plus Product offers stellar group insurance benefits for our members, such as $25,000 Group Accident Insurance, Group Hospital Fixed Indemnity Insurance for daily hospital confinement, emergency room visits for accident and sickness, daily physician office visits, daily outpatient diagnostic laboratory test, daily outpatient diagnostic radiology and x-rays, $25,000 Group Critical Illness Benefit maximum amount, and $10,000 Group Term Life Insurance (in available states). Super Gap Plus is the most popular product among new members that includes optional supplemental group insurance programs through the United Business Association due to the maximum coverages available with this product. Scroll up & down to view additional states available for the Super Gap Plus Product.



Super Gap Plus State Availability
AZ, MO & TX



This Optional Product includes Group Insurance &
Benefit Boost Non-Insurance Services
  • Product Cost*

    $70 - Ind   |   $130 - Ind+1   |   $150 - Family

  • Brief Group Insurance Description
    Super Gap Plus Plan

    SUPER GAP PLUS

    Fighting the battle against out-of-pocket costs.



    Group Accident Insurance


    Group Accident Insurance

    Group Accident Medical Expense Insurance

    $25,000 Group Accident Medical Expense Insurance Annual Maximum Benefit.

    $100 Deductible per accident.

    Group Accidental Death & Dismemberment Insurance

    $5,000 Group Accidental Death & Dismemberment Insurance Maximum Principal Sum.

    Group Accident Insurance is underwritten by United States Fire Insurance Company.





    Daily Hospital Confinement Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Daily Hospital Confinement Benefit

    $500 Daily Hospital Confinement Benefit

    Days 1-3 for hospital confinement in a policy period

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.





    Emergency Room Visit Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Emergency Room Visit Benefit

    $500 per day Daily Emergency Room Visit Benefit for Accident & Sickness

    Max 10 days per policy period for Accident & Sickness

    Includes covered medical emergency visits at In-Hospital Emergency Rooms, Free Standing Emergency Rooms, and Licensed Urgent Care Centers.

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.





    Physician Office Visit Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Daily Physician Office Visit Benefit

    $125 per day Daily Physician Office Visit Benefit

    Max 1 day per plan year for medically necessary visit and an additional 1 day for other Wellness visit.

    Covered Wellness Services include: A history and physical examination & immunizations as provided by department of health regulation.

    Note: The Wellness Visit for Daily Physician Office Visit Benefit is not available in the state of Michigan.

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.





    Oupatient Radiology & X-ray Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Daily Outpatient Diagnostic Radiology & X-Ray Benefit

    $75 per day Daily Outpatient Diagnostic Laboratory Tests Benefit

    Max 1 day per plan year for medically necessary visit and an additional 1 day for other Wellness visit.

    Daily Outpatient Diagnostic Radiology & X-Ray benefit does not include Radiation Therapy.

    Note: The Wellness Visit for Daily Outpatient Diagnostic Radiology & X-Ray Benefit is not available in the state of Michigan.

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.





    Outpatient Laboratory Test Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Daily Outpatient Diagnostic Laboratory Tests Benefit

    $75 per day Daily Outpatient Diagnostic Laboratory Tests Benefit

    Max 1 day per plan year for medically necessary visit and an additional 1 day for other Wellness visit.

    In addition to medically necessary treatment, we will also cover wellness care for outpatient diagnostic laboratory tests to the extent that they are provided by, or under the supervision of, a single technician during the course of one visit.

    Note: The Wellness Visit for Daily Outpatient Diagnostic Laboratory Tests Benefit is not available in the state of Michigan.

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.





    Group Critical Illness Insurance


    Group Hospital Fixed Indemnity Insurance

    Maximum Benefit

    $25,000 Critical Illness Maximum Lifetime Benefit Amount

    Maximum Lifetime Benefit Amount is $2,500 if first diagnosis of a Covered Critical Illness occurs within the first year from the effective date. Benefit ends at age 65 and Group Critical Illness Insurance is only available for Covered Member and their Eligible Spouse.

    Group Critical Illness Insurance is underwritten by Windsor Life Insurance Company.





    Group Term Life Insurance


    Group Term Life Insurance

    $10,000 Principal Sum Maximum Benefit

    Benefit ends at age 65 and Group Term Life Insurance is only available for Covered Member and their Eligible Spouse.

    Group Term Life Insurance for this plan is only available in the following states: AL, AR, AZ, CA, FL, GA, IL, IN, KY, MI, MO, MS, NE, NM, OH, OK, PA, SC, TN, TX & VA.

    Group Term Life Insurance is underwritten by Investors Heritage Life Insurance Company.






    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    GROUP ACCIDENT INSURANCE &
    GROUP HOSPITAL FIXED INDEMNITY INSURANCE
    UNDERWRITTEN BY:
    United States Fire Insurance Company

    Crum & Forster Logo


    GROUP CRITICAL ILLNESS INSURANCE
    UNDERWRITTEN BY:
    Windsor Life Insurance Company

    Windsor - Optimum RE Logo


    GROUP TERM LIFE INSURANCE
    UNDERWRITTEN BY:
    Investors Heritage Life Insurance Company

    Group Term Life Insurance provided by Investors Heritage Life Insurance Company


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo


    THE INSURANCE PORTIONS OF THIS PRODUCT PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. THIS IS A GROUP ACCIDENT & HOSPITAL FIXED INDEMNITY INSURANCE & GROUP TERM LIFE INSURANCE ONLY POLICY.


    The following monthly insurance rates apply to coverage underwritten by United States Fire Insurance Company1, Windsor Life Insurance Company2 and Investors Heritage Life Insurance Company3. Your overall total association membership dues for the Super Gap Plus Product also include these monthly insurance rates:

    1Group Accident Insurance:
    $5.42 (Individual), $10.87 (Ind+1), $19.00 (Family)

    1Group Hospital Fixed Indemnity Insurance:
    $11.36 (Individual), $22.69 (Ind+1), $36.85 (Family)

    2Group Critical Illness Insurance:
    $10 (Individual), $20 (Ind+1), $20 (Family)

    3Group Term Life Insurance:
    $3.80 (Individual), $7.60 (Ind+1), $7.60 (Family) - in available states


    Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance products and is not an insurance contract, nor part of the Certificate of Insurance and is subject to the terms, conditions, limitations, and exclusions of the Certificate(s) of Insurance and/or Certificate Riders. Coverage may vary or may not be available in all states. You'll find complete coverage details in the Certificate(s) of Insurance and/or Certificate Riders. Group Accident Insurance and Group Hospital Fixed Indemnity Insurance are underwritten by United States Fire Insurance Company, Eatontown, NJ. Group Critical Illness is underwritten by Windsor Life Insurance Company. Coverage for Critical Illness Insurance Benefit ends at age 65 and is available to Covered Member and Eligible Spouse only. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Group Term Life Insurance is underwritten by Investors Heritage Life Insurance Company and is available to Covered Member and Eligible Spouse only and coverage ends at age 65. Product cost for the Super Gap Plus Product does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this product.

    United Business Association, Crum & Forster, United States Fire Insurance Company, Windsor Life Insurance Company, Optimum Re, Investors Heritage Life Insurance Company and Healthy America are separate legal entities and have sole financial responsibility for their own products.

    AH-2562







  • Certificates of Insurance (Limitations & Exclusions)


  • Claim Forms

    GET ACCIDENT & ER CLAIM FORM

    GET CRITICAL ILLNESS CLAIM FORM

    Term Life States are: AL, AR, AZ, CA, FL, GA, IL, IN, KY, MI, MO, MS, NE, NM, OH, OK, PA, SC, TN, TX & VA

    GET TERM LIFE CLAIM FORM

  • Non-Insurance UBA Benefit Boost Services

    Benefit Boost Services

    Non-Insurance Services included in this product.

    This product includes Benefit Boost Subscription Services which are: telehealth (urgent visits and talk therapy) with MeMD®, free gummy multi-vitamins, retail prescription & pet prescription discounts, Aetna Dental Access discounts, and Identity theft protection with LifeLock®.

    All Benefit Boost Services are not Insurance and are separate services from the insurance as part of this optional membership product. Benefit Boost services are subject to change when needed.

    As part of your overall Super Gap Plus Product cost, the non-insurance Benefit Boost Subscription services retail at $25 (Individual), $40 (Ind+1), $60 (Family).

    If you purchased the Virtual PCP Solution Subscription Membership with the Benefit Boost Subscription Membership, the MeMD® membership services will be based on the Virtual PCP Solution Subscription services with MeMD®.

    Crum & Forster, United States Fire Insurance Company, Windsor Life Insurance Company, Optimum Life Reinsurance Company and Investors Heritage Life Insurance Company do not offer and are not affiliated with the additional non-insurance Benefit Boost services and discount programs offered in connection with membership in the United Business Association (UBA).




  • Get a Quote & Apply


Super Gap Plus Plan


SUPER GAP PLUS

Plus Benefit Boost

GET IN THE FIGHT.

Fighting the battle against out-of-pocket costs.

The Super Gap Plus Product is the ultimate coverage for critical illness, accidents, and supplemental insurance programs. Our Super Gap Plus Product offers stellar group insurance benefits for our members, such as $25,000 Group Accident Insurance, Group Hospital Fixed Indemnity Insurance for daily hospital confinement, emergency room visits for accident and sickness, daily physician office visits, daily outpatient diagnostic laboratory test, daily outpatient diagnostic radiology and x-rays, $25,000 Group Critical Illness Benefit maximum amount, and $10,000 Group Term Life Insurance (in available states). Super Gap Plus is the most popular product among new members that includes optional supplemental group insurance programs through the United Business Association due to the maximum coverages available with this product. Scroll up to view additional states available for the Super Gap Plus Product.



Super Gap Plus State Availability
CA & NJ



This Optional Product includes Group Insurance &
Benefit Boost Non-Insurance Services
  • Product Cost*

    $70 - Ind   |   $130 - Ind+1   |   $150 - Family

  • Brief Group Insurance Description
    Super Gap Plus Plan

    SUPER GAP PLUS

    Fighting the battle against out-of-pocket costs.



    Group Accident Insurance


    Group Accident Insurance

    Group Accident Medical Expense Insurance

    $25,000 Group Accident Medical Expense Insurance Annual Maximum Benefit.

    $100 Deductible per accident.

    Group Accidental Death & Dismemberment Insurance

    $5,000 Group Accidental Death & Dismemberment Insurance Maximum Principal Sum.

    Group Accident Insurance is underwritten by United States Fire Insurance Company.





    Daily Hospital Confinement Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Daily Hospital Confinement Benefit

    $500 Daily Hospital Confinement Benefit

    Days 1-3 for hospital confinement in a policy period

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.





    Emergency Room Visit Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Emergency Room Visit Benefit

    $500 per day Daily Emergency Room Visit Benefit for Accident & Sickness

    Max 10 days per policy period for Accident & Sickness

    Includes covered medical emergency visits at In-Hospital Emergency Rooms, Free Standing Emergency Rooms, and Licensed Urgent Care Centers.

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.





    Physician Office Visit Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Daily Physician Office Visit Benefit

    $125 per day Daily Physician Office Visit Benefit

    Max 1 day per plan year for medically necessary visit and an additional 1 day for other Wellness visit.

    Covered Wellness Services include: A history and physical examination & immunizations as provided by department of health regulation.

    Note: The Wellness Visit for Daily Physician Office Visit Benefit is not available in the state of Michigan.

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.





    Oupatient Radiology & X-ray Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Daily Outpatient Diagnostic Radiology & X-Ray Benefit

    $75 per day Daily Outpatient Diagnostic Laboratory Tests Benefit

    Max 1 day per plan year for medically necessary visit and an additional 1 day for other Wellness visit.

    Daily Outpatient Diagnostic Radiology & X-Ray benefit does not include Radiation Therapy.

    Note: The Wellness Visit for Daily Outpatient Diagnostic Radiology & X-Ray Benefit is not available in the state of Michigan.

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.





    Outpatient Laboratory Test Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Daily Outpatient Diagnostic Laboratory Tests Benefit

    $75 per day Daily Outpatient Diagnostic Laboratory Tests Benefit

    Max 1 day per plan year for medically necessary visit and an additional 1 day for other Wellness visit.

    In addition to medically necessary treatment, we will also cover wellness care for outpatient diagnostic laboratory tests to the extent that they are provided by, or under the supervision of, a single technician during the course of one visit.

    Note: The Wellness Visit for Daily Outpatient Diagnostic Laboratory Tests Benefit is not available in the state of Michigan.

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.





    Group Critical Illness Insurance


    Group Critical Illness Insurance

    Critical Illness Insurance Benefit

    $25,000 Critical Illness Benefit Lifetime Maximum Benefit Amount

    Maximum Lifetime Benefit Amount is $2500 if first diagnosis of a Covered Critical Illness occurs within the first year from the effective date. Invasive Cancer benefit will not be paid if Proof of Loss occurs prior to 45 days from the effective date. Benefit ends at age 65 and Critical Illness Insurance Benefit is only available for Covered Member and their Eligible Spouse.

    Group Critical Illness Insurance is underwritten by Sirius America Insurance Company.





    Group Term Life Insurance


    Group Term Life Insurance

    $10,000 Principal Sum Maximum Benefit

    Benefit ends at age 65 and Group Term Life Insurance is only available for Covered Member and their Eligible Spouse.

    Group Term Life Insurance for this plan is only available in the following states: AL, AR, AZ, CA, FL, GA, IL, IN, KY, MI, MO, MS, NE, NM, OH, OK, PA, SC, TN, TX & VA.

    Group Term Life Insurance is underwritten by Investors Heritage Life Insurance Company.






    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    GROUP ACCIDENT INSURANCE &
    GROUP HOSPITAL FIXED INDEMNITY INSURANCE
    UNDERWRITTEN BY:
    United States Fire Insurance Company

    Crum & Forster Logo


    GROUP CRITICAL ILLNESS INSURANCE
    UNDERWRITTEN BY:
    Sirius America Insurance Company

    Sirius America Insurance Company Logo


    GROUP TERM LIFE INSURANCE
    UNDERWRITTEN BY:
    Investors Heritage Life Insurance Company

    Group Term Life Insurance provided by Investors Heritage Life Insurance Company


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo


    THE INSURANCE PORTIONS OF THIS PRODUCT PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. THIS IS A GROUP ACCIDENT & HOSPITAL FIXED INDEMNITY INSURANCE, GROUP CRITICAL ILLNESS & GROUP TERM LIFE INSURANCE ONLY POLICY.


    The following monthly insurance rates apply to coverage underwritten by United States Fire Insurance Company1, Sirius America Insurance Company2, and Investors Heritage Life Insurance Company3. Your overall total association membership dues for the Super Gap Plus Product also include these monthly insurance rates:

    1Group Accident Insurance:
    $5.42 (Individual), $10.87 (Ind+1), $19.00 (Family)

    1Group Hospital Fixed Indemnity Insurance:
    $11.36 (Individual), $22.69 (Ind+1), $36.85 (Family)

    2Group Critical Illness Insurance:
    $15.45 (Individual), $30.90 (Ind+1), $30.90 (Family)

    3Group Term Life Insurance:
    $3.80 (Individual), $7.60 (Ind+1), $7.60 (Family) - in available states


    Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance products and is not an insurance contract, nor part of the Certificate of Insurance and is subject to the terms, conditions, limitations, and exclusions of the Certificate(s) of Insurance and/or Certificate Riders. Coverage may vary or may not be available in all states. You'll find complete coverage details in the Certificate(s) of Insurance and/or Certificate Riders. Group Accident Insurance and Group Hospital Fixed Indemnity Insurance are underwritten by United States Fire Insurance Company, Eatontown, NJ. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Group Critical Illness Insurance is underwritten by Sirius America Insurance Company. Covered Critical Illnesses are subject to the definitions, limitations and exclusions of the Group Policy. Coverage for Critical Illness is for Member and eligible Spouse between the ages of 18-64. Benefit for Group Critical Illness Insurance ends at age 65. Benefits are paid at 10% of the Benefit Maximum if first diagnosis occurs in the first year from the effective date. Group Term Life Insurance is underwritten by Investors Heritage Life Insurance Company and is available to Covered Member and Eligible Spouse only and coverage ends at age 65. Product cost for the Super Gap Plus Product does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this product.

    United Business Association, Crum & Forster, United States Fire Insurance Company, Sirius America Insurance Company, Investors Heritage Life Insurance Company and Healthy America are separate legal entities and have sole financial responsibility for their own products.

    AH-2562 | HA-1000







  • Certificates of Insurance (Limitations & Exclusions)


  • Claim Forms

    GET ACCIDENT & ER CLAIM FORM

    GET CRITICAL ILLNESS CLAIM FORM

    Term Life States are: AL, AR, AZ, CA, FL, GA, IL, IN, KY, MI, MO, MS, NE, NM, OH, OK, PA, SC, TN, TX & VA

    GET TERM LIFE CLAIM FORM

  • Non-Insurance UBA Benefit Boost Services

    Benefit Boost Services

    Non-Insurance Services included in this product.

    This product includes Benefit Boost Subscription Services which are: telehealth (urgent visits and talk therapy) with MeMD®, free gummy multi-vitamins, retail prescription & pet prescription discounts, Aetna Dental Access discounts, and Identity theft protection with LifeLock®.

    All Benefit Boost Services are not Insurance and are separate services from the insurance as part of this optional membership product. Benefit Boost services are subject to change when needed.

    As part of your overall Super Gap Plus Product cost, the non-insurance Benefit Boost Subscription services retail at $25 (Individual), $40 (Ind+1), $60 (Family).

    If you purchased the Virtual PCP Solution Subscription Membership with the Benefit Boost Subscription Membership, the MeMD® membership services will be based on the Virtual PCP Solution Subscription services with MeMD®.

    Crum & Forster, United States Fire Insurance Company, Sirius America Insurance Company, Optimum Life Reinsurance Company and Investors Heritage Life Insurance Company do not offer and are not affiliated with the additional non-insurance Benefit Boost services and discount programs offered in connection with membership in the United Business Association (UBA).




  • Get a Quote & Apply


UBA Dental Plan


UBA DENTAL

BRIGHTER SMILES.

Get regular cleanings & protect your oral health.

The UBA Dental Product is valuable coverage for families, people who want to get regular dental check-ups, or those that just want that extra layer of protection for some of their out-of-pocket costs due to diagnostic, preventive, basic, or major dental services.



UBA Dental State Availability
AL, AR, AZ, CA, CT, DC, DE, FL, GA, ID, IN, IA, KY, LA, MI, MS, MO, ND, NE, NJ, NM, NV, OH, OK, PA, SC, TN, TX, VA, WV, WI & WY



This Optional Product includes Group Insurance Only.
  • Product Cost*

    Product cost varies by state & area. Get a Quote.

  • Brief Group Insurance Description
    UBA Dental Plan

    UBA DENTAL

    Get regular cleanings & protect your oral health.



    Group Dental Insurance


    Group Dental Insurance

    $1,000 annual maximum
    (Plus maximum carryover*)

    $50 individual and $150 family annual deductible

    *Maximum carryover: If at least one covered service is paid in a benefit year and the total benefit paid does not exceed $500 in that benefit year, $250 will be added to the next benefit year carryover maximum. This amount will accumulate from one benefit year to the next, but will not exceed $1,000.



    DIAGNOSTIC & PREVENTIVE

    100% - Diagnostic & preventive services

    In-network or out-of-network coverage (as defined by the policy).



    BASIC SERVICES

    70% - Basic dental services

    In-network or out-of-network coverage (as defined by the policy).



    MAJOR DENTAL SERVICES

    50% - Major dental services

    In-network or out-of-network coverage (as defined by the policy).

    There is a 12 month waiting period for all major dental services.






    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    GROUP DENTAL INSURANCE UNDERWRITTEN BY:
    Renaissance Life & Health Insurance Company of America

    Renaissance Dental


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo


    THIS IS DENTAL INSURANCE AND NOT MAJOR MEDICAL INSURANCE.


    Read the group insurance certificates carefully. This is a brief description of Association Group Dental Insurance and is not an insurance contract, nor part of the insurance policy and is subject to the terms, conditions, limitations, and exclusions of the policy. Coverage may vary or may not be available in all states. You'll find complete coverage details in the policy certificate. Insurance benefits are underwritten by Renaissance Life & Health Insurance Company of America, Indianapolis, IN and in New York by Renaissance Life & Health Insurance Company of New York, Binghamton, NY. Both companies ("Renaissance") can be reached at Po Box 1596, Indianapolis, IN, 46206. There is no ownership affiliation between Renaissance and UBA Dental & Vision. For complete coverage details, please refer to the certificate of insurance. Product cost for the UBA Dental Product does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this product.

    United Business Association, Renaissance Life & Health Insurance Company of America and Healthy America are separate legal entities and have sole financial responsibility for their own products.







  • Certificates of Insurance (Limitations & Exclusions)


  • Claim Forms


  • Dental Providers


  • Get a Quote & Apply


UBA Vision Plan


UBA VISION

SEE MORE CLEARLY.

Get regular eye exams & take care of your eyes.

The UBA Vision Product is valuable coverage for families, people who want to get regular vision check-ups, or those that just want that extra layer of protection for some of their out-of-pocket expenses due to vision exams, frames, lenses and contacts.



UBA Vision State Availability
AL, AR, AZ, CA, DC, DE, FL, GA, ID, IN, KY, LA, MI, MS, MO, ND, NE, NJ, NM, NV, OH, OK, PA, SC, TN, TX, VA, VT, WV, WI & WY



This Optional Product includes Group Insurance Only.
  • Product Cost*

    $14 - Ind   |   $27 - Ind+1   |   $43 - Family

  • Brief Group Insurance Description
    UBA Vision Plan

    UBA VISION

    Get regular eye exams & take care of your eyes.



    Group Vision Insurance


    Group Vision Insurance

    Well Vision Exam: $10 copay every 12 months

    In-network coverage



    Prescription glasses: $25 copay every 12 months

    (see frames & lenses below) - in-network coverage



    Frames: $130 allowance

    In-network coverage

    (for a wide selection of frames: 20% savings on amount over your allowance)

    Lenses: single vision, lined bifocal, lined trifocal & lenticular lenses. Polycarbonate lenses for dependent children.



    Lens enhancements - progressive lenses - every 12 months

    In-network coverage

    • Standard: $55
    • Premium: $95-$105
    • Custom: $150-$175



    Contacts (instead of glasses)

    In-network coverage

    • Copay for contacts (applies to evaluation & fitting): up to $60 every 12 months
    • Allowance for contacts (copay does not apply): $130 allowance
    • Contact lens exam (evaluation & fitting): Medically necessary covered in full after $25 copay.

    When contact lenses are obtained, the covered person shall not be eligible for lenses and frames again in the next 12 months.



    Out-of-network Coverage:
    Exams up to $45 & frames up to $70

    Additional out-of-network coverage:

    • Single vision lenses: up to $30
    • Lined bifocal lenses: up to $50
    • Lined trifocal lenses: up to $65
    • Progressive lenses: up to $50
    • Lenticular lenses: up to $100
    • Contact lenses: up to $105 - (medically necessary contact lenses: up to $210)

    Coverage with a retail chain affiliate may be different. Visit VSP.com for details if you plan to see a provider other than a VSP doctor.






    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    GROUP VISION INSURANCE UNDERWRITTEN BY:
    Renaissance Life & Health Insurance Company of America

    Renaissance Vision


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo


    THIS IS VISION INSURANCE AND NOT MAJOR MEDICAL INSURANCE.


    Read the group insurance certificates carefully. This is a brief description of Association Group Vision Insurance and is not an insurance contract, nor part of the insurance policy and is subject to the terms, conditions, limitations, and exclusions of the policy. Coverage may vary or may not be available in all states. You'll find complete coverage details in the policy certificate. Insurance benefits are underwritten by Renaissance Life & Health Insurance Company of America, Indianapolis, IN and in New York by Renaissance Life & Health Insurance Company of New York, Binghamton, NY. Both companies ("Renaissance") can be reached at Po Box 1596, Indianapolis, IN, 46206. There is no ownership affiliation between Renaissance and UBA Dental & Vision. For complete coverage details, please refer to the certificate of insurance. Product cost for the UBA Vision Product does not include the $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this product.

    United Business Association, Renaissance Life & Health Insurance Company of America and Healthy America are separate legal entities and have sole financial responsibility for their own products.







  • Certificates of Insurance (Limitations & Exclusions)


  • Claim Forms



    Note: If using a VSP provider, claim form is not needed.


  • Vision Providers


  • Get a Quote & Apply


STM Plan (C&F)


STM PLAN (C&F)

THE TIME IS NOW.

For times without traditional health insurance.

United States Fire Insurance Company's Individual Short Term Medical Insurance provides coverage for unexpected medical bills and other health care expenses when you are in-between traditional comprehensive health insurance plans. Short Term Medical Insurance can be an excellent fit for those in-between jobs, between open enrollments, student not on a parent's plan or cobra is too expensive. Short Term Medical Insurance is not intended to qualify as minimum essential coverage required by the Affordable Care Act and provides coverage for short term durations only. You do not need to be a member of UBA in order to apply and enroll in this Short Term Medical Insurance Plan. Adding products like the Super Gap Plus Product or Benefit Boost Subscription can help enhance some gaps and out-of-pocket expenses. UBA does endorse the STM Plan and is available in either 6 month or 12 month durations (depending on the state).



STM Plan State Availability
AZ, MI, NV, WY (6 months); SC (6 or 11 months); AL, AR, GA, IA, KS, KY, MS, NC, NE, TX, WI & WV (6 or 12 months) 12 months = 364 days


This Optional Product includes Individual
Short Term Medical Insurance Only
  • Product Cost*

    Product cost varies by age, gender & zip. Get a Quote.

  • Brief Individual Insurance Description
    STM Plan (C&F)

    STM PLAN (C&F)

    For times without traditional health insurance.



    Short Term Insurance


    Individual Short Term Medical Insurance

    Deductible: $5,000
    (Deductible is per Covered Person per Coverage Period. Maximum of 3 Deductibles per family per Policy Period.)

    Coinsurance Percentage: 20%
    (% of covered expenses you pay after deductible to coinsurance limit.)

    Coinsurance Limit: $10,000
    (Coinsurance limit is after deductible, per person and copays are not included. Coinsurance limit is per person for all benefits.)

    Policy Period Maximum: $1,000,000

    Coverage period availability: 6 or 12 months
    (12 month option is not available in all states. Also 12 month durations only cover 364 days and not 365 days.)

    The deductible, coinsurance percentage, coinsurance limit, copays and policy period maximum apply to each Covered Person for ALL benefits, unless otherwise stated for a specific benefit listed in the policy.

    To view all eligible medical benefits and their details, please review the policy and brochure.

    Individual Short Term Medical Insurance is underwritten by United States Fire Insurance Company.





    Short Term Benefit Highlights - Hospital, Surgery & More


    Short Term Medical Benefit Highlights

    Hospital, surgery, pregnancy & childbirth, diagnostic testing, radiology & labs, cancer screening & more.

    Subject to deductible, coinsurance percentage and coinsurance limit

    Individual Short Term Medical Insurance is underwritten by United States Fire Insurance Company.





    Short Term Benefit Highlights - Emergency Room Visit


    Short Term Medical Benefit Highlights

    Emergency Room Benefit

    Additional $250 Deductible per visit

    (applied to charges for use of emergency room in the event of accident, injury, or sickness unless the Covered Person is directly admitted as in inpatient for further treatment.)

    Individual Short Term Medical Insurance is underwritten by United States Fire Insurance Company.





    Short Term Benefit Highlights - Physician Office Visits


    Short Term Medical Benefit Highlights

    Physician Office Visit

    $50 Copay for each visit

    (Coinsurance will not apply, not subject to the deductible. Wellness is not covered - See exclusions in brochure.)

    Individual Short Term Medical Insurance is underwritten by United States Fire Insurance Company.





    Short Term Benefit Highlights - Urgent Care Center


    Short Term Medical Benefit Highlights

    Urgent Care Center

    $50 Copay for each visit after which Coinsurance will apply

    (Not subject to the deductible.)

    Individual Short Term Medical Insurance is underwritten by United States Fire Insurance Company.





    Short Term Benefit Highlights - Ambulance


    Short Term Medical Benefit Highlights

    Local Ambulance

    Injury (when related to covered injury)

    Sickness (When covered sickness results in hospitalization as inpatient)

    Maximum of $250 per trip



    Individual Short Term Medical Insurance is underwritten by United States Fire Insurance Company.






    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    SHORT TERM MEDICAL INSURANCE
    UNDERWRITTEN BY:
    United States Fire Insurance Company

    Crum & Forster Logo


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo


    STM PLAN (C&F) DISCLAIMER

    THE COVERAGE IS A SHORT TERM MEDICAL INSURANCE POLICY THAT IS NOT INTENDED TO QUALIFY AS THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). UNLESS YOU PURCHASE A PLAN THAT PROVIDES MINIMUM ESSENTIAL COVERAGE IN ACCORDANCE WITH THE ACA, YOU MAY BE SUBJECT TO A FEDERAL TAX PENALTY. ALSO, THE TERMINATION OR LOSS OF THIS POLICY DOES NOT ENTITLE YOU TO A SPECIAL ENROLLMENT PERIOD TO PURCHASE HEALTH BENEFIT PLAN THAT QUALIFIES AS MINIMUM ESSENTIAL COVERAGE OUTSIDE OF AN OPEN ENROLLMENT PERIOD.

    NOTE: THE POLICY IS NOT RENEWABLE. NO CONTINUOUS COVERAGE. THE POLICY OF INSURANCE PROVIDES COVERAGE FOR SHORT TERM DURATION ONLY. IT IS NOT RENEWABLE. ALTHOUGH THIS SHORT TERM PLAN MAY BE WRITTEN FOR NEW AND COMPLETED SEPARATE COVERAGE PERIODS (AS LONG AS YOU MEET THE ELIGIBILITY CRITERIA DESCRIBED IN THE APPLICATION), COVERAGE DOES NOT CONTINUE FROM ONE POLICY TO ANOTHER. THIS MEANS THAT A NEW APPLICATION MUST BE SUBMITTED, A NEW EFFECTIVE DATE IS GIVEN, A NEW PREEXISTING CONDITION EXCLUSION PERIOD BEGINS AND A NEW DEDUCTIBLE AND OUT-OF-POCKET EXPENSE MUST BE MET. ANY MEDICAL CONDITION WHICH MAY HAVE OCCURRED AND/OR EXISTED UNDER A PRIOR POLICY WILL BE TREATED AS A PREEXISTING CONDITION UNDER THE NEW POLICY.


    Read the brochure and Policy carefully. This is a brief description of Short Term Medical Insurance and is not an insurance contract, nor part of the insurance policy and is subject to the terms, conditions, limitations, and exclusions of the policy. Coverage may vary and may not be available in all states. You'll find complete coverage details in the policy. Short Term Medical Insurance is underwritten by United States Fire Insurance Company. Short Term Medical does not meet Minimum Essential Coverage as mandated by the Affordable Care Act. Short Term, limited duration plans are not subject to certain provisions of federal health care reform, including provisions related to Essential Health Benefits, lifetime limits, preventive care, guaranteed renewability, and preexisting conditions. The preexisting condition exclusion for Short Term Medical plans will apply for all insureds, including those under the age of 19. Know your plan. Short Term Medical plans offer medical coverage, are medically underwritten (so you can be declined) and do not provide Minimum Essential Coverage.

    You do not have to join United Business Association in order to apply and enroll in the Individual Short Term Medical Insurance.

    AH-2562







  • Brochure (Limitations & Exclusions)


  • Claim Forms

    Note: You only need to file a claim form the first time seeing a new provider under this insurance. You won't need to file a claim form for services provided by that same provider for any future visits.




  • STM Covid-19 Notice


  • Get a Quote & Apply




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.





*As outlined in the Product Cost section of each product, the product cost for all UBA Gap Products do not include the $10 monthly UBA Membership dues. You must be a member of the United Business Association in order to purchase a product that includes group insurance. Product cost break-downs are located in the disclaimer section of each product description tab as well as the UBA Benefit Boost tabs on each product where it is available as part of the UBA Gap Products. The $10 UBA Membership monthly membership dues do not apply to stand-alone Benefit Boost Subscription, Virtual PCP Solution Subscriptionn, or STM Plan (C&F). All product costs are charged every month through the following methods: Credit Card (VISA, MasterCard or AMEX) or Bank Draft (EFT) until cancellation. Services and product costs are subject to change.



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