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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 (if needed), UBA promotes member's small business with the public and other UBA Members. UBA also offers small business knowledge to its members through providing links, videos, polls and an annual UBA Matters 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.
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 business & lifestyle services, money-saving discounts, leveraged purchasing power, and access to optional supplemental group insurance programs to augment their existing coverage and employee perks. These programs are the heart of what we do. United Business Association helps to create better availability for programs you can actually use. We invite you to contact us to learn about what UBA offers to its members including any additional supplemental plan available to UBA Members.
What is the difference between Supplemental Insurance & Comprehensive Health Insurance?
Supplemental Insurance is something that a person can purchase to complement or add to their existing comprehensive health insurance coverage. It can help offset some costs your current comprehensive health insurance doesn't cover like deductibles, coinsurance or out-of-network expenses. Supplemental Insurance is in addition to and does NOT provide comprehensive health insurance coverage. It is important to have comprehensive health insurance coverage like an ACA Health Insurance Plan or a comprehensive Group Health Insurance Plan as the foundation of your health insurance. You can then add supplemental insurance to help mitigate some of your additional financial exposure.
Do I have to be a member to enroll in one of the optional supplemental plans that include insurance?
YES, you must be a member of the United Business Association in order to enroll in or add any additional optional supplemental UBA Gap Membership plan that includes group insurance to your UBA Membership. If you are not a member, you cannot enroll in these additional supplemental insurance plans. However, Membership in UBA is not required for any of the a la carte health and wellness non-insurance Benefit Boost Subscription plans.
UBA offers a robust array of optional supplemental group insurance programs designed with life in mind. We understand that unexpected events happen in life, and you might desire additional coverage to help you with unexpected expenses (deductibles, out-of-network expenses or out-of-pocket maximums for example). The optional supplemental group insurance plans available to UBA Members help to provide additional coverage for some out-of-pocket expenses when you need it most for a wide range of medical scenarios (for example accidents, critical illnesses, term life, dental & vision).
Why is it called Group or Blanket 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 an optional supplemental plan that includes group association insurance to your UBA Membership. We invite you to learn more about all the programs we offer below, then contact us to enroll in the membership plan that works best for you.
Do I have to enroll in a Supplemental Group Insurance Plan to Join United Business Association (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 enrollment of optional supplemental group insurance coverage available to members who choose to add this optional coverage in an effort to offer more to our members. No member is required or expected to purchase any additional supplemental group insurance membership plans or any of the non-insurance subscription Benefit Boost plans to join UBA. If a member wants to only join the United Business Association, they simply select UBA Membership only on the first page of the enrollment application. By joining UBA you are joining a monthly Association membership subscription that includes no insurance. It is really simple to add additional optional supplemental membership plans to your UBA Membership. Select the additional plan you want to enroll to enhance your UBA Membership from one of the many membership plan categories on the enrollment application and then complete the entire online enrollment application.
The simple to enroll online application takes less than 10 minutes to complete.
Initial Enrollment Application Steps:
UBA Membership Enrollment: The first thing that you will encounter on the online enrollment application is the UBA Membership enrollment where it asks if you are a current member of the United Business Association.
If you select YES and are a current member and were just enhancing your membership by adding another optional supplemental membership plan, you enter your Member ID located on your ID card, Last Name and Date of Birth. Once your membership is verified, you can continue to the next selection of the optional membership plan categories. All available membership plans in your state will show in the membership plan categories you select.
If you select NO and are not yet a member, it will ask you if you want to enroll in the United Business Association. If you select enroll NO (meaning you do not want to enroll in UBA), you can still enroll in any of the optional Benefit Boost non-insurance a la carte wellness and health subscription plans. If you select enroll YES (meaning you do want to join UBA and become a member of United Business Association), then you will be able to continue with just your UBA Enrollment or you can select to view any of the optional supplemental membership plan categories to view more plans available in your state to enhance your membership. Once you select the categories to view, it will ask basic household information: STATE, FAMILY MEMBERS (are you enrolling a spouse and/or # of children). The last step on the initial UBA Enrollment page is the qualifying question: Are you an owner or an employee of a small business (less than 50 employees)? Yes or No.
UBA Enrollment Only or Plan Enhancement Categories
The next page could vary depending on your decision on page 1 of the UBA Enrollment application.
If UBA ONLY is selected: If you wanted to only enroll in United Business Association, your next steps would be to complete the rest of the demographic information on the Enroll page where it asks name, date of birth, contact info, address (residence and mailing if different). The next step would be to select the desired effective date available and then enter your billing information (either EFT / Bank Draft or Credit Card - Visa, MasterCard or Amex). Once the billing page is complete and you hit continue, the first part of the enrollment is complete. An email will be sent to the member to complete the final steps of the online enrollment including verification, review of application, acceptance of disclaimers and to e-sign the enrollment application.
You selected UBA and any of the optional additional supplemental plan category or categories. The prospective member can review brief plan descriptions, plan cost, and Certificates of Insurance (if applicable) when choosing the appropriate membership program to fit their needs. Once selected, the member will enter the rest of the demographic information on the Enroll page where it asks name, date of birth, contact info, address (residence and mailing if different). The next page will be the desired effective date and any required qualifying question based on the plans you chose to add to enhance your membership. The prospective member will then add the monthly billing payment details, and once continue is selected, an email is sent to the member to complete the final steps of the online enrollment including verification, review of application, acceptance of disclaimers and to e-sign the enrollment application. Note: If there are any discrepancies between the brief descriptions for the plan on the enrollment application and the Certificate, the Certificate will govern. Please review the Certificate of Insurance for the state the prospective member resides prior to completing the enrollment.
Important Note regarding help from a licensed agent on enrollment:
If you choose, you can have a licensed insurance agent who is contracted with HealthyAmerica and appointed with the underwriting insurance carrier of the plan (if the plan includes group insurance) to help with the initial enrollment step. You will be able to verify everything the agent helped enter on the application on your behalf including the demographics, the plan selection & billing, and you should review the state-specific Certificates of Insurance for any group insurance programs selected (if applicable) during the verification and e-signature step (prior to e-signing). You will be able to edit any incorrect information you catch during the application review. If you choose not to finalize the application (you no longer wanted to enroll or apply), just do not complete the e-signature on the last page of the verification process and do not hit submit. Once the application e-signature is completed and application is submitted, it will be processed and the initial payment will be drafted.
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 (including reviewing any state-specific Certificates of Insurance, if applicable) 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 plan(s) they have selected. If this e-signature step is not completed by the prospective member, then the application is not finalized and will not become active. The member must review, verify and e-sign the application for it to move forward and become active and then the new member will be drafted for the initial membership plan cost(s). Once the member completes the e-signature, a PDF of the signed enrollment application(s) along with member guides (UBA or any Benefit Boost Subscription membership guides) and state-specific Certificates of insurance (if applicable) for any enrolled optional additional supplemental plan(s) will be made available to them at the end of the verification and e-signature process as well as in the Member Portal.
Membership Portal Registration:
The new member will receive an email notification with the link to register for the Member Portal. Once registered, they will be able to view their electronic fulfillment documents including a copy of their digital membership ID card(s), a section on how to use the services in UBA, state-specific Certificates of Insurance (if applicable), Membership Guides (for UBA Membership or Benefit Boost Subscription plans), 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 (if applicable). 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 plan(s) the member enrolled along with the plan(s) Member ID# and the effective date the membership plan(s) go into effect. A member can Call Customer Service for any help regarding the services available to them as well as help with claims or billing. Our Customer Service department is there to help you with all your Membership and optional supplemental UBA Gap Membership or Benefit Boost Subscription plan needs.
ID Cards and Welcome Letter:
You will receive a welcome letter in the mail along with any hard-copy ID applicable ID Cards. The welcome letter also gives instructions on how to access your Member Guides (UBA Membership or Benefit Boost Subscription Guides), digital ID card(s), state-specific Certificates of Insurance (if applicable), and more. The welcome letter also will highlight your effective date and give the UBA Membership ID number and list all optional supplemental Membership or Benefit Boost Subscription plans you enrolled along with the membership plan id number(s). Important Note about Benefit Boost Subscription ID Cards: All of the a la carte health and wellness Benefit Boost Subscription plan ID cards will only be available as a digital ID card available to download to your phone, tablet, or to print from the Member Portal. This helps keep the subscription cost down on these low cost valued subscription services.
Refund & Cancellation Policy:
UBA's refund and cancellation policy is the following - If you are not completely satisfied with your UBA Membership, Benefit Boost subscription and/or any additional UBA Gap Membership plan(s), please call your Personal Member Concierge at 866-438-4274. We will be happy to issue a complete refund of membership dues within the first thirty (30) days. We want you to be 100% satisfied with your UBA benefits and services. Please be aware that if you purchased any additional optional supplemental plans through UBA that included group insurance programs, premiums & dues can’t be refunded if a claim was filed. Note: This membership is separate from any other insurance or supplemental plans you have purchased outside of UBA. Please contact your agent for any plans other than the UBA Membership, Benefit Boost Subscription plans, or any additional optional supplemental UBA Membership plans that included group insurance you have enrolled. If you are canceling, please make sure to cancel using our cancellation phone number at 866.438.4274, our cancellation form or through the Member Portal Email System. Please do not cancel through your agent. Cancel directly with your Personal Member Concierge to make sure your cancellation request is handled promptly and correctly. We showcase our name UBA GAP and our number 866-438-4274 on all transactions (all together like this UBAGAP8664384274) on your account statement, and it is your responsibility to check the transactions occurring on your account every month and to cancel with us when desired. Every month we pay for the membership services and the insurance premiums for any applicable optional supplemental group insurance programs on your behalf, whether you use the membership services or file a claim with the group insurance programs. You can also locate the billing phone number for cancellations on your ID card.
I want to Start the Enrollment Process:
If you have any questions about this application process or would like help to get enrolled, Contact Us, and we will be happy to assist you, or you can go to straight to the quoting and enrollment page to begin the process.
Members of UBA have many options to build the right Membership that fits their needs. By becoming a UBA member, you become part of the United Business Association group. Adding to your base membership, you can enhance your membership with additional non-insurance services (virtual doctor visits, prescription discounts, dental discounts, free vitamins, & more) or optional supplemental insurance (accident, critical illness, hospital indemnity, dental, vision or term life). You do not have to purchase any of the optional supplemental insurance programs or Benefit Boost Subscriptions in order to join United Business Association. To join UBA, Contact Us for a quote and to help you find the right supplemental plan to enhance your membership. Check out a brief description of our Membership Categories offered through UBA below.
Coverage available in membership plans that include group insurance may vary or may not be available in all states. If there are any discrepancies between the descriptions on this website and the Certificate, the Certificate will govern.
Why does it all start with membership into the United Business Association (UBA)? The association was designed to organize small business owners and their employees into an association that offers its members valued services & benefits, to increase their purchasing power and to educate and provide helpful tools regarding small business. Membership includes multiple non-insurance services and benefits. You do not have to purchase any additional optional supplemental plans that include group insurance or the optional non-insurance Benefit Boost Subscription plans in order to join the United Business Association. The monthly UBA membership dues are $10 a month for the entire family. Contact Us for information on how to join the United Business Association and start enjoying the rewards of membership.
*Plans as of 06/01/23. Any plans purchased prior to 06/01/23 could be different. Please refer to the Member Portal for your specific membership information.
We offer stand-alone monthly non-insurance Benefit Boost Subscription plans. Build the perfect subscription for you and your family with a variety of highly-regarded services. The Benefit Boost Subscription plans include*
*Plans as of 06/01/23. Any plans purchased prior to 06/01/23 could be different. Please refer to the Member Portal for your specific membership information. Membership in United Business Association (UBA) is not required to enroll in a Benefit Boost Subscription plan.
In the Optional Supplemental Insurance Category, you will be able to view plans that include a variety of types of supplemental group insurance. Various insurance carrier partners have issued master policies to the United Business Association to join UBA's efforts to do more for our members. As a member of the group, you have an exclusive access to a broad array of helpful types of optional group insurance like accident, critical illness and term life which are designed to supplement your comprehensive health insurance. These types of supplemental insurance provide coverage to help bridge the gap between traditional comprehensive coverage and any out-of-pocket medical expenses like deductibles, coinsurance and out-of-network costs. The Optional Supplemental Insurance Category includes*
*Plans as of 06/01/23. Any plans purchased prior to 06/01/23 could be different. Please refer to the Member Portal for your specific membership information. Coverage may vary and may not be available in all states. If there are any discrepancies between the descriptions on this website and the Certificate, the Certificate will govern.
The Optional Supplemental Plus Plans Category is made up of the optional supplemental group insurance programs that are most often added by our members to enhance their UBA Membership. The Optional Supplemental Plus Plans Category includes types of optional supplemental group insurance like accident, critical illness, and hospital indemnity PLUS the highly regarded Benefit Boost 1.0 non-insurance services. The Optional Supplemental Plus Plans Category includes*
*Plans as of 06.01/23. Any plans purchased prior to 06/01/23 could be different. Please refer to the Member Portal for your specific membership information. Coverage may vary and may not be available in all states. If there are any discrepancies between the descriptions on this website and the Certificate, the Certificate will govern.
The Optional ACA Supplement Plans Category is made up of the optional supplemental group insurance programs that are designed to supplement ACA Bronze Plans. You must have a Bronze ACA plan in order to enroll in the plans in this category. TruGapTM is designed to fill in the gap and cover the $7500 Bronze ACA deductible for covered medical expenses (after TruGapTM’s $1000 deductible is met). The Optional ACA Supplement Plans Category includes*
*Plans as of 11/01/23 with an effective date of 1/1/24 or later. Please refer to the Member Portal for your specific membership information. Coverage may vary and may not be available in all states. If there are any discrepancies between the descriptions on this website and the Certificate, the Certificate will govern. (TruGapTM, Trademark pending)
In the Dental & Vision category, various insurance carriers have issued a master group policy to the United Business Association. There is also an option to enroll in an individual vision insurance plan from VSP (UBA endorses this plan but membership is not required to enroll). Dental insurance can help with covered diagnostic & preventive services, basic services and major dental services. Vision insurance can help with vision costs like regular vision check-ups, frames, lenses and contacts. Start protecting your oral and vision health today with any one of these Dental or Vision Plans offered to members of the United Business Association. The Dental & Vision Category includes*
*Plans as of 06/01/23. Any plans purchased prior to 06/01/23 could be different. Please refer to the Member Portal for your specific membership information. Coverage may vary and may not be available in all states.
2891731 | AAD101.15-19 | HASA-1000 | HASA-BAM-1000 | HASA-HI-1000 | HASA-GAP-1000
United Business Association does not require members to enroll or purchase any group or blanket group insurance to become a member of UBA. The optional association group insurance is only available to members of UBA who have the desire to enhance their membership. All group association insurance offered through UBA is supplemental and does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage available is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Membership includes multiple non-insurance services and benefits, including access to insurance products.
Healthy America Insurance Agency Inc. is the exclusive marketer for the United Business Association.
Agency CA License 0G32190
The optional supplemental group insurance coverage level you choose will depend on your required level of care. Using our innovative plan options, UBA offers membership benefits, supplemental resources, and help with monetary security you, your loved ones, and your employees can enjoy. Contact UBA today for more information.