United Business Association
Better Together.

UBA MEMBERSHIP PLAN

MEMBER DRIVEN VALUE.

Unlock the value of your UBA Membership.

Your membership in 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 more as well as access to enroll in association group insurance programs.

The UBA Membership Plan is an excellent fit for small business owners and employees and their families. Your membership in UBA offers you Member Driven Value.

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

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

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.

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...

BENEFIT BOOST PLAN

IMPROVING HEALTH.

A strategy to boost your overall health.

The Benefit Boost Plan 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.

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.

Free Gummy 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

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

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^®

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.

GAP ER PLAN

FOR THE UNEXPECTED.

Emergencies happen when you least expect it.

The Gap ER Plan 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 costs due emergency room visits for accident & sickness.

Gap ER Plan is designed to help supplement your comprehensive health insurance plan for additional protection.

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.

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 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.

GAP AME+ER PLAN

ACCIDENTS HAPPEN.

Life is unpredictable and sometimes we get hurt.

The Gap AME+ER Plan 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 costs due to an accident or emergency room visit.

Gap AME+ER Plan is designed to help supplement your comprehensive health insurance plan for additional protection.

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.

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.

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 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.

GAP AME 10K PLAN

ACCIDENTS HAPPEN.

Life is unpredictable and sometimes we get hurt.

The Gap AME 10K Plan 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 costs due to an accident.

Gap AME 10K Plan is designed to help supplement your comprehensive health insurance plan for additional protection.

Group Accident Only Insurance

Group Accident Medical Expense Insurance

$10,000 Group Accident Medical Expense Benefit Maximum Benefit per injury.
$100 Deductible per injury.

Covered Services (as defined by policy) & Maximum Benefit:

• We pay up to the Policy Limits - Hospital Room & Board, general nursing care, up to the semi-private room rate.
• We pay up to the Policy Limits - Hospital miscellaneous expenses during the hospital confinement or for outpatient surgery under general anesthetic, such as the cost of the operating room, laboratory tests, x-ray exams, anesthesia, drugs (excluding take-home drugs), or medicines, therapeutic services and supplies.
• We pay $1,000 - Doctor's fees for surgery.
• We pay $250 - Anesthesia services.
• We pay $75 - Doctor's visits per visit (inpatient & outpatient).
• We pay $500 - Hospital Emergency care.
• We pay $250 - X-ray and Laboratory service.
• We pay $250 - Ambulance expense.
• We pay up to the Policy Limits - Prescription drug coverage.
• We pay $250 - Dental treatment for injury to sound natural teeth per tooth.
• We pay up to the Policy Limits - Registered nurse expense.
• We pay $20 - Chiropractic per visit.
• We pay $25 - Physical therapy per visit.
• We pay $50 - Durable medical equipement.

Group Accident Insurance is underwritten by Guarantee Trust Life Insurance Company (GTL).

Group Accident Only Insurance

Group Accidental Death & Dismembemberment Insurance

$1,000 Accidental Death & Dismemberment Benefit Principal Sum

Group Accident Only Insurance is underwritten by Guarantee Trust Life Insurance Company.

GAP CI PLAN

BE PREPARED.

Fight back against out-of-pocket expenses.

The Gap CI Plan is valuable coverage for those reaching middle age, for people with a family history of cancer, heart attack or stroke, or those that just want that extra layer of protection for some of their out-of-pocket costs due to being diagnosed with a Critical Illness.

Gap CI Plan is designed to help supplement your comprehensive health insurance plan for additional protection.

Group Critical Illness 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 Critical Illness Insurance

Covered Critical Illnesses

Heart Attack: An acute myocardial infarction resulting in the death of a portion of the heart muscle (myocardium) due to a blockage of one or more of the coronary arteries and resulting in the loss of normal function of the heart.

The diagnosis of a heart attack must be made by a Physician board-certified in Cardiology and based on both of:

• New clinical presentation and/or electrocardiographic changes consistent with an evolving heart attack; and
• Serial measurement of cardiac biomarkers showing a pattern and to a level consistent with a diagnosis of a heart attack.

Established (old) Myocardial Infarction is excluded.

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Stroke: An acute cerebrovascular accident producing neurological impairment and resulting in paralysis or other measurable objective neurological deficit persisting for at least thirty (30) days.

This definition of stroke shall specifically exclude transient ischemic attack (mini-stroke), head injury, chronic cerebrovascular insufficiency and reversible ischemic neurological deficits. The diagnosis of a Stroke must be made by a Physician board-certified in Neurology.

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Life-Threatening Cancer: Includes only those types of cancer manifested by the presence of a malignant tumor, characterized by the uncontrolled growth and spread of malignant cells that invade tissue, blood, or the lymphatic system. As used herein, Leukemia, and Hodgkin's Disease (except Stage 1 Hodgkin's Disease) shall be considered Life-Threatening Cancer.

Does not Include:

• premalignant tumors or polyps;
• cancer in situ
• carcinoid of the appendix;
• Stage 0 transitional carcinoma of urinary bladder; or
• any skin cancers other than malignant melanomas.

Life-threatening cancer must be positively diagnosed by a physician certified by the American Board of Pathology to practice Pathologic Anatomy, or a certified Osteopathic Pathologist. Diagnosis must be based on a microscopic examination of fixed tissue or preparations from the hemic system (either during life or post-mortem). The pathologist establishing the diagnosis shall base his/her judgement solely on the criteria of malignancy as accepted by the American Board of Pathology or the Osteopathic Board of Pathology after a study of the histocytologic architecture or pattern of the suspect tumor, tissue, or specimen. Clinical diagnosis alone will not meet this standard.

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

Group Critical Illness Insurance

Exclusions

We do not pay any benefits:

• For a Critical Illness that First Occurs before your Effective Date of Coverage.
• If your coverage is not in force on the date the Critical Illness First Occurs.
• If the Certificate is not in force on the date the Critical Illness First Occurs.
• For any condition that is not diagnosed as a Critical Illness.

Benefits are paid on first diagnosis, as a lump sum payment, not paid based on actual expenses incurred and only if the Covered Critical Illness occurs after the Effective Date of Coverage for that Covered Person and while the Covered Person's coverage under this Group Policy is in force. We pay a Covered Critical Illness only one time, regardless of the subsequent occurrence of the same or different Covered Critical Illness for that Covered Person. Once the benefit is paid, coverage for that Covered Person under the Certicate ends. Please see policy for complete plan details.

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

GAP BASIC PLAN

GAP YOUR DEDUCTIBLE.

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

The Gap Basic Plan is valuable coverage for young families, people who tend to be accident-prone or with a family history of cancer, heart attack, stroke, or those that want that extra layer of protection for some of their out-of-pocket costs due to an accident or being diagnosed with a Critical Illness.

Gap Basic Plan is designed to help supplement your comprehensive health insurance plan for additional protection.

Blanket 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.

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

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

$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.

GAP PLUS PLAN

BRIDGING THE GAP.

Unexpected out-of-pocket medical expenses happen.

The Gap Plus Plan is valuable coverage for young families, people who tend to be accident-prone or with a family history of cancer, heart attack, stroke or those that just want that extra layer of protection for some of their out-of-pocket costs due to an accident, being diagnosed with a Critical Illness or for doctor visits, labs, & x-rays.

Gap Plus Plan is designed to help supplement your comprehensive health insurance plan for additional protection.

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.

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.

Group Hospital Fixed Indemnity Insurance

Daily Physician Office Visit Benefit

$125 per day Daily Physician Office Visit Benefit

Max 1 day per play year for medically necessary visit and and 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.

Group Hospital Fixed Indemnity Insurance

Daily Outpatient Diagnostic Laboratory Tests Benefit

$75 per day Daily Outpatient Diagnostic Laboratory Tests Benefit

Max 1 day per play year for medically necessary visit and and 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 Hospital Fixed Indemnity Insurance

Daily Outpatient Diagnostic Radiology & X-Ray Benefit

$75 per day Daily Outpatient Diagnostic Laboratory Tests Benefit

Max 1 day per play year for medically necessary visit and and 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.

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

$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.

GAP 10 PLAN

CUT YOUR EXPENSES.

Get the upperhand on out-of-pocket expenses.

The Gap 10 Plan is valuable coverage for young families, people who tend to be accident-prone or with a family history of cancer, heart attack, stroke, or those that want that extra layer of protection for some of their out-of-pocket costs due to an accident or being diagnosed with a Critical Illness.

Gap 10 Plan is designed to help supplement your comprehensive health insurance plan for additional protection.

Blanket 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.

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

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.

GAP MAX PLAN

MAX YOUR BENEFITS.

Expect the unexpected and be prepared.

The Gap Max Plan is valuable coverage for families, people who tend to be accident-prone or with a family history of cancer, heart attack, stroke or those that just want that extra layer of protection for some of their out-of-pocket costs due to an accident, being diagnosed with a Critical Illness or for emergency room & urgent care visits.

Gap Max Plan is designed to help supplement your comprehensive health insurance plan for additional protection.

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.

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.

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 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 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

$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.

GAP MAX PLAN

MAX YOUR BENEFITS.

Expect the unexpected and be prepared.

The Gap Max Plan is valuable coverage for families, people who tend to be accident-prone or with a family history of cancer, heart attack, stroke or those that just want that extra layer of protection for some of their out-of-pocket costs due to an accident, being diagnosed with a Critical Illness or for emergency room & urgent care visits.

Gap Max Plan is designed to help supplement your comprehensive health insurance plan for additional protection.

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.

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.

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 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

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

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.

GAP 25 PLAN

CUT YOUR EXPENSES.

Get the upperhand on out-of-pocket expenses.

The Gap 25 Plan is valuable coverage for young families, people who tend to be accident-prone or with a family history of cancer, heart attack, stroke, or those that want that extra layer of protection for some of their out-of-pocket costs due to an accident or being diagnosed with a Critical Illness.

Gap 25 Plan is designed to help supplement your comprehensive health insurance plan for additional protection.

Blanket 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.

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

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.

SUPER GAP PLUS PLAN

GET IN THE FIGHT.

Fighting the battle against out-of-pocket costs.

The Super Gap Plus Plan is valuable coverage for families, people who tend to be accident-prone or with a family history of cancer, heart attack, stroke or those that just want that extra layer of protection for some of their out-of-pocket costs due to an accident, being diagnosed with a Critical Illness, emergency room & urgent care visits, doctor visits, labs and x-rays.

Super Gap Plus Plan is designed to help supplement your comprehensive health insurance plan for additional protection.

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.

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.

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 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 Hospital Fixed Indemnity Insurance

Daily Physician Office Visit Benefit

$125 per day Daily Physician Office Visit Benefit

Max 1 day per play year for medically necessary visit and and 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.

Group Hospital Fixed Indemnity Insurance

Daily Outpatient Diagnostic Laboratory Tests Benefit

$75 per day Daily Outpatient Diagnostic Laboratory Tests Benefit

Max 1 day per play year for medically necessary visit and and 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 Hospital Fixed Indemnity Insurance

Daily Outpatient Diagnostic Radiology & X-Ray Benefit

$75 per day Daily Outpatient Diagnostic Laboratory Tests Benefit

Max 1 day per play year for medically necessary visit and and 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.

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

$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.

SUPER GAP PLUS PLAN

GET IN THE FIGHT.

Fighting the battle against out-of-pocket costs.

The Super Gap Plus Plan is valuable coverage for families, people who tend to be accident-prone or with a family history of cancer, heart attack, stroke or those that just want that extra layer of protection for some of their out-of-pocket costs due to an accident, being diagnosed with a Critical Illness, emergency room & urgent care visits, doctor visits, labs and x-rays.

Super Gap Plus Plan is designed to help supplement your comprehensive health insurance plan for additional protection.

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.

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.

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 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 Hospital Fixed Indemnity Insurance

Daily Physician Office Visit Benefit

$125 per day Daily Physician Office Visit Benefit

Max 1 day per play year for medically necessary visit and and 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.

Group Hospital Fixed Indemnity Insurance

Daily Outpatient Diagnostic Laboratory Tests Benefit

$75 per day Daily Outpatient Diagnostic Laboratory Tests Benefit

Max 1 day per play year for medically necessary visit and and 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 Hospital Fixed Indemnity Insurance

Daily Outpatient Diagnostic Radiology & X-Ray Benefit

$75 per day Daily Outpatient Diagnostic Laboratory Tests Benefit

Max 1 day per play year for medically necessary visit and and 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.

Group Critical Illness Insurance

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

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.

SUPER GAP PLUS PLAN

GET IN THE FIGHT.

Fighting the battle against out-of-pocket costs.

The Super Gap Plus Plan is valuable coverage for families, people who tend to be accident-prone or those that just want that extra layer of protection for some of their out-of-pocket costs due to an accident, emergency room & urgent care visits, doctor visits, labs and x-rays and critical illness.

Super Gap Plus Plan is designed to help supplement your comprehensive health insurance plan for additional protection.

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.

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.

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 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 Hospital Fixed Indemnity Insurance

Daily Physician Office Visit Benefit

$125 per day Daily Physician Office Visit Benefit

Max 1 day per play year for medically necessary visit and and 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.

Group Hospital Fixed Indemnity Insurance

Daily Outpatient Diagnostic Laboratory Tests Benefit

$75 per day Daily Outpatient Diagnostic Laboratory Tests Benefit

Max 1 day per play year for medically necessary visit and and 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 Hospital Fixed Indemnity Insurance

Daily Outpatient Diagnostic Radiology & X-Ray Benefit

$75 per day Daily Outpatient Diagnostic Laboratory Tests Benefit

Max 1 day per play year for medically necessary visit and and 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.

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

$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.

UBA DENTAL PLAN

BRIGHTER SMILES.

Get regular cleanings and protect your oral health.

The UBA Dental Plan 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.

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

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DIAGNOSTIC & PREVENTIVE

100% - Diagnostic & preventive services

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

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BASIC SERVICES

70% - Basic dental services

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

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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.

UBA VISION PLAN

SEE MORE CLEARLY.

Get regular eye exams & take care of your eyes.

The UBA Vision Plan 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 costs due to vision exams, frames, lenses, and contacts.

Group Vision Insurance

Well Vision Exam: $10 copay every 12 months

In-network coverage

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Prescription glasses: $25 copay every 12 months

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

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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.

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Lens enhancements - progressive lenses - every 12 months

In-network coverage

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

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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.

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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.

STM PLAN (C&F)

THE TIME IS NOW.

For times when you are without traditional health insurance.

United States Fire Insurance Company Short Term Medical Insurance provides coverage for unexpected medical bills and other health care expenses. Short Term Medical Insurance can be an excellent fit for those in-between coverage.

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.

Short Term Medical Benefit Highlights

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

Subject to deductible, coinsurance perentage and coinsurance limit

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.)

Short Term Medical Benefit Highlights

Physician Office Visit

$50 Copay for each visit

(Coinsurance will not apply, not subject to the deductible.)

Short Term Medical Benefit Highlights

Urgent Care Center

$50 Copay for each visit after which Coinsurance will apply

(Not subject to the deductible.)

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