STRENGTHENING SMALL BUSINESSES THROUGH BENEFITS,
DISCOUNTS AND OPTIONAL GROUP INSURANCE PROGRAMS.

WHY JOIN UBA.

The United Business Association (UBA) knows businesses are stronger when we work together. UBA is a nationwide membership of small business owners and employees. UBA leverages our purchasing power to secure benefits and discounts that may not be otherwise available on an individual basis. With optional association group insurance programs, shared business knowledge, business and lifestyle benefits and services and opportunities to network, We are Better Together. We invite you to contact UBA about becoming a member and discover the real power and advantages of national, commercial cooperation. Contact us today for more information.

Membership is only $10 for the entire family!

Welcome to UBA

BUSINESS & LIFESTYLE SERVICES

Work with UBA for Better Benefits & Discounts & Leverage your Purchasing Power

United Business Association provides its members with discounts on various business and lifestyle services. There are a total of 27 services that provide UBA Members access to Lab Discounts, 24-Hr Nurse Helpline, Emergency Roadside Assistance, LegalConnect®, and one of the most widely used association services - Office Max and Office Depot Office Supplies & Furniture discounts, and more. Get perks like big companies by leveraging the purchasing power in your membership! Your membership in the United Business Association offers you Member Driven Value. UBA is always working to add or improve the lifestyle and business service offerings to enhance the value of your membership.

OPTIONAL GROUP INSURANCE

Strengthening Small Businesses through Optional Supplemental Group Insurance Programs

Your membership in the United Business Association allows you to access and enroll in optional supplemental association group insurance programs and apply for short term medical insurance. Various insurance companies have issued group limited benefit insurance policies to the United Business Association as the group master policyholder. There are 9 UBA Gap Products that include optional group insurance like accident, critical illness, emergency room visits, term life, and more. These supplemental products can help members offset out-of-pocket medical expenses like deductibles, out-of-pocket maximums, and out-of-network costs. UBA works with top-rated carriers to provide these group insurance programs.

NETWORKING & KNOWLEDGE

Promote your Small Business & get Access to Helpful Small Business Links & Tools

Since UBA is an association made up of small business owners and employees, we have provided a service for each member to network their small business with other members on our website. Not only can we help you with the ad creation, but you can also select the category of your choosing to place the ad. HealthyAmerica, as the exclusive marketer of the United Business Association, is driving more viewers to UBA's website. This in turn increases the viewability of UBA's website to more than just members. It creates the potential of your ad to reach a broader audience. Also, UBA provides helpful small business articles, videos, and links in the Knowledge section of the website along with past issues of UBA Matters newsletters.







Non-Insurance Products for UBA Members

Why does it all start with membership into the United Business Association (UBA)? The association was designed to organize small business owners and their employees into an association that offers its members valued services & benefits, to increase their purchasing power and to educate and provide helpful tools regarding small business. Membership in UBA includes no insurance. As a UBA Member however, you have access to purchase additional products like optional supplemental group insurance programs that include group insurance for accident, critical illness, term life, dental & vision and more as well as the non-insurance monthly subscription services: Benefit Boost or Virtual PCP Solution. You do not have to purchase any additional UBA products that include group insurance or the optional non-insurance Subscription services (Benefit Boost or Virtual PCP) in order to join the United Business Association. We also offer a stand-alone monthly non-insurance Subscription Membership called Benefit Boost that you can add to your base membership as a stand-alone product that also does not include any insurance but does include benefit rich services like $0 Cost Virtual Urgent Care or Virtual Talk Therapy Visits with MeMD® (Visits are paid by HealthyAmerica and not by you), Retail Prescription & Pet Prescription Discount ID cards with ParamountRX, Dental Discounts with the Aetna Dental Access® Network, Free Gummy Multi-Vitamins, and Identity Theft Discounts with LifeLock®. Another Benefit Boost Subscription Service that you can purchase on a stand-alone basis is the Virtual PCP Solution with MeMD®. This subscription enables the member to have virtual primary care visits along with virtual urgent care visits for minor sickness and ailments and virtual talk therapy for counseling services. Contact Us today to get more information or to become a member with any of our non-insurance subscription services.


Types of Non-Insurance Products available with United Business Association

UBA Membership - Non-Insurance

UBA MEMBERSHIP

Non-Insurance Monthly Association Membership Product

The United Business Association (UBA) is a nationwide organization comprised of small businesses and employees. Through our membership, vast networking capabilities, and enhanced purchasing power, we can disseminate essential knowledge and acquire benefits and discounts which may not be otherwise available or accessible on an individual basis. By operating in the knowledge that We are Better Together, our organization can secure optional association group insurance programs and business lifestyle benefits, foster advantageous shared business knowledge, and grow more opportunities for our members to network successfully. Becoming a member of UBA means better availability for the programs you truly need. Since 2003, insurance companies have joined our efforts to do more for our members, issuing optional group limited benefit insurance policies to UBA as the master policyholder and aiding our members when they need it the most.

Some of the non-insurance services that members can enjoy are: 24-Hr Nurse Helpline, Lab Discounts, VSP Individual Savings Pass, Gateway Medicard, 24-Hr Emergency Roadside Assistance, Graduate Scholarship Program, TravNow, ADP Payroll Processing, Office Supplies & Furniture Discounts with Office Depot / Office Max, HP Computer & Equipment Discounts, and more. Call Us for more information or to join United Business Association.

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Benefit Boost - Non-Insurance

BENEFIT BOOST MEMBERSHIP

Non-Insurance Monthly Membership Subscription Product

The Benefit Boost Subscription offers valuable non-insurance services for members looking for a strategy to boost their overall health. The Benefit Boost membership subscription offers valued services for those looking to seek immediate medical visits or talk therapy when you are sick or feeling down. This highly regarded service offers FREE* and unlimited telehealth visits with MeMD® to our Benefit Boost members (visits are paid by HealthyAmerica and not by you). Members can easily access MeMD® from their smartphone, ipad, android tablet or computer using the app or a link. The set-up takes less than 5 minutes and once members use it, they often use it again because of the quick response time and because it works so well! Benefit Boost services also include a Retail Prescription and Pet Prescription Discount ID card from ParamountRX for those looking to save on prescription medications. With this ID card, you can look up your prescription medication with ParamountRX's webtool that creates a list of participating pharmacies in your area along with the cost of the drug (with the applicable discount). For members opting for a healthy lifestyle, members enjoy Free gummy multi-vitamins that they can order from the Member Portal, on our website under the Members link or by emailing us. Each bottle contains 180 vitamins which equates to a 3 month supply. A new addition to Benefit Boost is to provide our members savings on dental services with discounts using the Aetna Dental Access® Network. Members receive discount savings on dental cleanings, fillings, x-rays, root canals and crowns. Our last Benefit Boost service helps with protection against identity theft with discounts with LifeLock®. Call Us for more information or to enroll in the non-insurance Benefit Boost Subscription either as a stand-alone product or included as a part of some of the UBA Gap Products.

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


Virtual PCP Solution with MeMD - Non-Insurance

VIRTUAL PCP SOLUTION WITH MeMD MEMBERSHIP

Non-Insurance Monthly Membership Subscription Product

The Virtual PCP Solution Subscription with MeMD® offers valuable non-insurance services to help members save money on routine healthcare costs. Members can enjoy 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, and continuity of care. Also included with the Virtual PCP Solution with MeMD is a prescription discount card to help save with retail prescription discounts through Paramount RX. With this ID card, you can look up your prescription medication with ParamountRX's webtool that creates a list of participating pharmacies in your area along with the cost of the drug (with the applicable discount). Call Us for more information or to enroll in the non-insurance Virtual PCP Solution with MeMD as a stand-alone monthly subscription membership.

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Optional Group Insurance Products for UBA Members

Various insurance carrier partners have issued master policies to the United Business Association to join UBA's efforts to do more for our members. As a member of the group, you have exclusive access to a broad array of helpful optional group insurance products designed to supplement comprehensive health insurance. These plans provide supplemental coverage to help bridge the gap with out-of-pocket medical expenses like deductibles, coinsurance and out-of-network costs and offers beneficial member assistance in a wide range of health and medical scenarios. Please note that not all highlighted types of insurance below are available in all products or in all states. Please view the optional supplemental UBA Gap Products to review what each plan offers along with definitions, terms, conditions, state availability, age limits, waiting periods, limitations & exclusions.


Types of Group Insurance available in UBA Gap Products

Accident Insurance

ACCIDENT INSURANCE

Group Accident Insurance or Blanket Group Accident Insurance

Accidents happen. Are you prepared? Do you have high deductible comprehensive ACA or group health insurance, short term medical insurance, or a faith-based plan? Does your comprehensive health insurance plan include coinsurance (Coinsurance is the amount, generally expressed as a fixed percentage, an insured must pay against a claim after the deductible is satisfied) and other out-of-pocket expenses like out-of-network costs? If so, Accident Insurance might be the right fit for your out-of-pocket accident/injury related medical expenses. Best part is that you can keep your UBA Gap Product that includes Group Accident Insurance or Blanket Group Accident Insurance as long as you are a member of UBA up to the age limits of the group insurance no matter which comprehensive health insurance plans you switch to each year. UBA offers products with benefits of $5,000, $10,000 or $25,000 for Group Accident Medical Expense Insurance or Blanket Group Accident Medical Expense Insurance. Also included as part of the Group Accident Insurance or Blanket Group Accident Insurance is Group Accidental Death & Dismemberment Insurance with benefits of either $2,500 or $5,000 depending on the product. For full details, limitations, terms & exclusions review product Certificate(s) of Insurance or Group Policy. Call Us for more information or to add an optional supplemental product to your UBA Membership that includes Accident Insurance.

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Critical Illness Insurance

CRITICAL ILLNESS

Group Critical Illness or Group Hospital Fixed Indemnity Insurance

Get in the fight with Critical Illness Insurance. Do you have high deductible comprehensive ACA or group health insurance, short term medical insurance, or a faith-based plan? Does your comprehensive health insurance plan include coinsurance (Coinsurance is the amount, generally expressed as a fixed percentage, an insured must pay against a claim after the deductible is satisfied) and other out-of-pocket expenses like out-of-network costs? If so, Critical Illness Insurance might be the right fit to help pay for deductibles, coinsurance, out-of-network costs so that you can see any provider you wish, or help pay for everyday expenses like travel to and from cancer centers, hotel rooms, and day-to-day expenses while you are seeking treatment and trying to get better from the first diagnosis of a Covered Critical Illness (Invasive Cancer, Heart Attack or Stroke). Critical Illness claims are paid to the member as a lump sum payment with maximum benefits available of $5,000, $10,000 or $25,000 depending on the product (after first year from effective date). Best part is that you can keep your UBA Gap Product that includes Critical Illness coverage as long as you are a member of UBA up to the age limits of the group insurance no matter which comprehensive health insurance plans you switch to each year. For full details, definitions of covered critical illnesses, limitations & exclusions review product Certificate(s) of Insurance. Call Us for more information or to add an optional supplemental products to your UBA Membership that includes Critical Illness Insurance.

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Daily Hospital Confinement

DAILY HOSPITAL CONFINEMENT

Group Hospital Fixed Indemnity Insurance

What happens if you are admitted to the Hospital? Do you have high deductible comprehensive ACA or group health insurance, short term medical insurance, or a faith-based plan? Does your comprehensive health insurance plan include coinsurance (Coinsurance is the amount, generally expressed as a fixed percentage, an insured must pay against a claim after the deductible is satisfied) and other out-of-pocket expenses like out-of-network costs? If so, Group Hospital Fixed Indemnity Insurance that includes Daily Hospital Confinement Benefit might be the right fit to help pay for deductibles, coinsurance, out-of-network costs for the first 3 days when you are admitted to a Hospital. Best part is that you can keep your UBA Gap Product that includes Daily Hospital Confinement as long as you are a member of UBA up to the age limits of the group insurance no matter which comprehensive health insurance plans you switch to each year. For full details, definitions, limitations & exclusions review product Certificate(s) of Insurance. Call Us for more information or to add an optional supplemental product to your UBA Membership that includes Daily Hospital Confinement Benefit.

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Emergency Room Visits

EMERGENCY ROOM VISITS

Group Hospital Fixed Indemnity Insurance

Are you prepared for unexpected medical emergencies? Do you have high deductible comprehensive ACA or group health insurance, short term medical insurance, or a faith-based plan? Does your comprehensive health insurance plan include coinsurance (Coinsurance is the amount, generally expressed as a fixed percentage, an insured must pay against a claim after the deductible is satisfied) and other out-of-pocket expenses like out-of-network costs? If so, Group Hospital Fixed Indemnity Insurance that includes an Emergency Room Visit Benefit might be the right fit to help pay for deductibles, coinsurance, out-of-network costs for emergency medical visits either for accident or sickness in an emergency room. Best part is that you can keep your UBA Gap Product that includes Emergency Room Visits as long as you are a member of UBA up to the age limits of the group insurance no matter which comprehensive health insurance plans you switch to each year. For full details, definitions, limitations & exclusions review product Certificate(s) of Insurance. Call Us for more information or to add an optional supplemental product to your UBA Membership that includes Emergency Room Visit Benefit.

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Outpatient Physician Office Visits

OUTPATIENT PHYSICIAN OFFICE VISITS

Group Hospital Fixed Indemnity Insurance

Get the help you need when you are sick or you want to stay healthy with wellness visits. Do you have high deductible comprehensive ACA or group health insurance, short term medical insurance, or a faith-based plan? Does your comprehensive health insurance plan include coinsurance (Coinsurance is the amount, generally expressed as a fixed percentage, an insured must pay against a claim after the deductible is satisfied) and other out-of-pocket expenses like out-of-network costs and no doctor copay option in your plan? If so, Group Hospital Fixed Indemnity Insurance that includes Outpatient Physician Office Visit Benefit might be the right fit to help pay for deductibles, coinsurance, out-of-network costs for doctor visits for medically necessary visits and for wellness visits. Best part is that you can keep your UBA Gap Product that includes Outpatient Physician Office Visits as long as you are a member of UBA up to the age limits of the group insurance no matter which comprehensive health insurance plans you switch to each year. For full details, state availability, limitations & exclusions review product Certificate(s) of Insurance. Call Us for more information or to add an optional supplemental product to your UBA Membership that includes Outpatient Physician Office Visit Benefit.

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Outpatient Labs & Diagnostic Radiology X-Ray

OUTPATIENT LABS & DIAGNOSTIC RADIOLOGY / X-RAYS

Group Hospital Fixed Indemnity Insurance

Get on the path to wellbeing with lab & x-ray coverage. Do you have high deductible comprehensive ACA or group health insurance, short term medical insurance, or a faith-based plan? Does your comprehensive health insurance plan include coinsurance (Coinsurance is the amount, generally expressed as a fixed percentage, an insured must pay against a claim after the deductible is satisfied) and other out-of-pocket expenses like out-of-network costs? If so, Group Hospital Fixed Indemnity Insurance that includes Outpatient Laboratory Test and Outpatient Diagnostic Radiology and X-Ray Benefit might be the right fit to help pay for deductibles, coinsurance, out-of-network costs for outpatient labs and radiology for medically necessary visits and for wellness visits. Best part is that you can keep your UBA Gap Product that includes Outpatient Labs & Radiology / X-Rays as long as you are a member of UBA up to the age limits of the group insurance no matter which comprehensive health insurance plans you switch to each year. For full details, state availability, limitations & exclusions review product Certificate(s) of Insurance. Call Us for more information or to add an optional supplemental product to your UBA Membership that includes Outpatient Labs, Diagnostic Radiology & X-ray Benefit.

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Term life Insurance

TERM LIFE INSURANCE

Group Term Life Insurance

Protect your loves ones with Term Life. After the year we had in 2020, life seems so precious. We have thought about mortality more in 2020 than probably in recent years. Do you have a plan that can help protect your loved ones when you are no longer with them? If so, Term Life Insurance might be the right fit to help pay for some or all funeral expenses, obituaries, medical bills, and more...just to name a few items beneficiaries might use the money on. Term Life claims are paid to the designated beneficiary as a lump sum payment. Best part is that you can keep your UBA Gap Product that includes Term Life coverage as long as you are a member of UBA up to the age limits of the group insurance no matter which comprehensive health insurance plans you switch to each year. For full details, definitions, age limits, eligibility, limitations & exclusions review the Certificate(s) of Insurance. Group Term Life is not available in all states. Call Us for more information or to add an optional supplemental product to your UBA Membership that includes Term Life Insurance.

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Dental Insurance

DENTAL INSURANCE

Group Dental Insurance

A smile can brighten everyone's day! Saving on your dental services will really make you smile! Do you want to get protection for you and your family to help with preventive / diagnostic, basic and major dental services? If so, Dental Insurance might be the right fit to help pay for dental expenses like cleanings, x-rays, fillings, root canals, crowns and more. With a robust provider network, our UBA Dental Plan offers savings in-network but also includes out-of-network coverage. Everyone deserves a beautiful smile to share with the world. Best part is that you can keep your UBA Gap Plan that includes Dental coverage as long as you are a member of UBA up to the age limits of the group insurance no matter which comprehensive health insurance plans you switch to each year. For full details, definitions, limitations, & exclusions review the Certificate(s) of Insurance. Call Us for more information or to add an optional supplemental plan to your UBA Membership that includes Dental Insurance.

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Vision Insurance

VISION INSURANCE

Group Vision Insurance

Saving on your vision services will really make your eyes light up! Do you want to get protection for you and your family to help with vision coverage? If so, Vision Insurance might be the right fit to help pay for vision expenses both in-network and out-of-network like well vision exams, prescription glasses, lenses, contacts and more. Access more savings by visiting an in-network provider with a robust nationwide network. Get regular eye exams to make sure you continue to see the beautiful world around you. Best part is that you can keep your UBA Gap Product that includes Vision coverage as long as you are a member of UBA up to the age limits of the group insurance no matter which comprehensive health insurance plans you switch to each year. For full details, limitations, & exclusions review the Certificate(s) of Insurance. Call Us for more information or to add an optional supplemental product to your UBA Membership that includes Vision Insurance.

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covid-19

UBA'S COVID-19 RESPONSE

The United Business Association's marketing, billing & fulfillment organization, Healthy America, has maintained full operation during this interesting time in our history through employees initially working from home when the pandemic first struck the United States. Our team members practice safe social-distancing, wearing of masks as well as thorough cleanings to disinfect and ensure the sanitization of the office. Our staff has handled this crisis with fortitude to make sure that members receive quality and consistent customer support. We are completing our normal daily operations including sending out vitamins and fulfillment welcome UBA kits. We hope that everyone is staying safe and healthy, and we pray for you and your family during this unique time in our lives.

COVID-19 COUNSELING & UBA

We have come across a resource to help increase the understanding and awareness of all aspects of dealing with the stress of bereavement, self and mandated isolation and the depression that comes with living through this pandemic. With Covid-19 cases on the rise world-wide, we know that this is a stressful time in our lives and wanted to locate resources that can help our members cope. Don't forget that if you want to talk to someone in the professional counseling field that most supplemental UBA Gap plans include the MeMD® telehealth talk-therapy benefit as part of the non-insurance Benefit Boost Services allowing you to consult with a counselor for FREE (visits are paid by Healthy America and not by you). Continue to check back here as UBA will continue to add new resources as often as possible. Below is the guide from rehab4addition.co.uk about guidance for better mental health during the Covid-19 pandemic and an article from the CDC about Coping with Stress from the Covid-19 pandemic including helpful crisis numbers for immediate help like the National Suicide Prevention Lifeline and more:

GUIDANCE FOR BETTER MENTAL HEALTH   COPING WITH STRESS FROM COVID-19

COVID-19 VACCINE INFO

Covid-19 Vaccines help protect you from getting Covid-19 or getting severely ill and are safe and effective according to the CDC website. After you've been fully vaccinated, you can start to do some things that you had to stop doing because of the pandemic. Visit the CDC's Covid-19 Vaccine Page below for more information on getting the vaccine. Join the effort for herd immunity and sign up for your Vaccine! To help you get better informed, we added some new articles below from the CDC and from the FDA websites about the vaccines and their safety.

CDC- COVID-19 VACCINE INFO   VACCINE MYTHS & FACTS   SAFETY OF COVID VACCINES   FDA EMERGENCY AUTHORIZATION VACCINES EXPLAINED




CONTACT UBA FOR MEMBERSHIP AND FOR OPTIONAL GROUP INSURANCE OPPORTUNITIES

UBA members have access to top business knowledge, a network of experienced professionals, optional supplemental group insurance programs, and benefits and discounts to help save them more. We invite you to join the United Business Association and take advantage of the many benefits we can offer to support you for life. Call today for more information.

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