Uniting Small Businesses
for Greater Impact

The United Business Association (UBA) offers a variety of membership plans tailored to meet the diverse needs of its members. These plans encompass a range of services, including lifestyle and business services, supplemental insurance benefits, and a la carte health and wellness options.

Membership Benefits

Below is an overview of the available membership plans and their benefits.

Lifestyle and Business Services

UBA membership plans include access to numerous lifestyle and business services designed to enhance both personal and professional life. These services may include:

• Discounts on Travel and Entertainment: Members often receive special rates on hotel bookings, car rentals, and tickets for various events.
• Business Support Services: Access to resources such as marketing tools, office supplies, tax or payroll services, and more.
• Shopping Discounts: Savings on a wide range of products and services from various retailers.
• Networking, Knowledge and Giving Back: As a member of UBA, you can promote your small business through advertisements or videos featured on our website. You'll also benefit from valuable resources designed for small businesses and their owners. Additionally, UBA's commitment to philanthropy extends across a wide range of causes, ensuring their contributions address multiple societal and some business focused needs.

First Dollar Insurance Plans

UBA provides First Dollar Insurance membership plans designed to minimize out-of-pocket medical expenses through Group Benefits Fixed Indemnity Insurance, Group Hospital Indemnity Insurance or Group Critical Illness Insurance (depending on the membership plan and underwriting insurance carrier). These membership plans are tailored to meet a wide range of medical needs.

• Hospitalization: Covers costs for hospital admission and confinement, ensuring financial support during stays.
• Emergency Care: Provides coverage for emergency room visits and ambulance services for swift medical response.
• Surgery: Includes benefits for both inpatient and outpatient surgeries, along with anesthesia costs.
• Diagnostics: Covers essential tests such as CT scans, MRIs, and lab tests for early detection.
• Wellness: Supports preventive care with routine check-ups, cancer screenings, and immunizations.
• Other Services: Offers prescription coverage and therapy services to aid recovery and condition management.
• & Direct Primary Care: with Sm&rt Med membership plans, you have access to Direct Primary Care through Healthcare2U. Direct Primary Care is an additional non-insurance membership benefit that provides members unlimited, hassle-free access to in-office doctor visits, urgent care, and virtual primary care consultations.
• & Virtual Care Solutions: with Bright Med membership plans, you have access to virtual care solutions through Lyric Health. Lyric Health Virtual Visits are an additional non-insurance membership benefit that provides access to telehealth services allowing members to consult with healthcare professionals from the comfort of home. This service is ideal for non-emergency medical issues and can help save members time and money on doctor visits.

Supplemental Insurance Benefits

UBA provides supplemental insurance that offer additional coverage beyond traditional insurance. These benefits may include:

• Accidental Injury Coverage: Financial protection in case of unexpected accidents and injuries.
• Critical Illness Insurance: Support for members first diagnosed with critical illnesses (heart attack, stroke or life-threatening cancer), helping to cover medical expenses.
• Hospital Indemnity Insurance: Assistance with out-of-pocket expenses incurred during hospital stays, emergency room visits and more.

Dental and Vision Insurance

Understanding the importance of oral and visual health, UBA offers comprehensive dental and vision insurance:

• Dental Insurance: Coverage for routine check-ups, cleanings, and a range of dental procedures.
• Vision Insurance: Benefits include eye exams, glasses, and contact lenses, ensuring members maintain optimal eye health.

Non-Insurance Benefit Boost (BB) Subscriptions

UBA also offers non-insurance a la carte health and wellness options through the Benefit Boost subscriptions. These plans focus on improving overall well-being and may include:

• Telehealth, Doctor Visits & Urgent Care Visits: A low cost and hassle-free option to see healthcare professionals through telehealth, doctor visits or urgent care visits.
• Dental & Prescription Discounts: Significant savings on both your dental and prescription needs reducing out-of-pocket costs.
• Multi-Vitamins & More: Keep your health in check with multi-vitamins and enjoy other additional services in subscription plans.

The United Business Association's membership plans are designed to provide members with comprehensive support, whether they are seeking business development tools, supplemental insurance, or health and wellness resources. By offering a variety of plans and services, UBA ensures its members can enhance their quality of life both personally and professionally.

Association Membership

If you're a small business owner or employee seeking business and lifestyle services, UBA offers a comprehensive suite of benefits and services. This association is designed to support your professional growth, providing resources that can help you succeed.

Advantages of Association Membership:

• Group Purchasing Power:
  Associations leverage their collective purchasing power to offer benefits and services that match those available to larger groups. This means members can access more competitive pricing and enhanced services that might otherwise be unavailable to individuals or small businesses.
• Non-Insurance Benefits:
  While association memberships are not insurance, they are often required to access supplemental group insurance. However, you are not obligated to purchase any insurance or additional membership plans to become a member. This flexibility allows you to choose the benefits that best suite your needs without unnecessary commitments.

In summary, association membership serves as a gateway to valuable benefits and services, empowering members to improve their business operations and personal lifestyles. By choosing UBA, you'll find a supportive community and resources to help you thrive.

The Association Memberships are not insurance. Any supplemental group insurance plan requires association membership to enroll. You do not have to purchase any group insurance or other plans in order to enroll in the Association.

First Dollar Insurance

Medical membership plans with first dollar insurance benefits are crafted to significantly reduce or help eliminate out-of-pocket expenses for policyholders. These type of plans, which often include Group Benefits Fixed Indemnity Insurance, Group Hospital Indemnity Insurance, or Group Critical Illness Insurance (depending on the membership plan and underwriting insurance carrier). These membership plans are designed to encompass a broad range of medical services. This ensures that members can access essential healthcare without the accompanying financial stress. Below is a general overview of the key benefits typically found in such insurance plans.

• Hospitalization Benefits:
  These benefits provide financial support for hospital-related expenses, including admission and daily confinement costs. Such coverage is vital for managing the financial implications of extended hospital stays, allowing members to focus on recovery.
• Emergency Care & Ambulance Benefits:
  In emergency situations, these benefits ensure that members receive immediate attention. Coverage typically includes costs associated with emergency room visits and various ambulance services, ensuring rapid and efficient transport to medical facilities.
• Surgical Benefits:
  For necessary surgical procedures, these benefits cover both inpatient and outpatient surgeries. This includes the expenses for the surgery itself, associated anesthesia, and ambulatory surgical center, ensuring that members are not financially overwhelmed by surgical costs.
• Diagnostic Benefits:
  Early and accurate diagnosis is crucial for effective treatment. These benefits generally cover a range of diagnostic tests, such as CT scans, MRIs, and lab tests, facilitating timely and accurate health assessments.
• Wellness Benefits:
  Preventive care is a key component of maintaining health, and these benefits usually include coverage for routine check-ups, cancer screenings, and immunizations. This ensures members can proactively manage their health and detect potential issues early.
• Additional Benefits:
  Beyond immediate medical needs, plans often cover other health-related services such as prescription medications and therapy services. This comprehensive approach supports recovery and management of health conditions, promoting overall well-being.
  
  In summary, medical membership plans offering first dollar insurance benefits are designed to provide comprehensive healthcare coverage. By addressing a wide spectrum of medical needs, these plans ensure members receive necessary care promptly and efficiently, while minimizing financial burdens.

• Direct Primary Care:
  with Sm&rt Med membership plans, you have access to Direct Primary Care is an additional non-insurance membership benefit that provides members unlimited, hassle-free access to in-office doctor visits, urgent care, and virtual primary care consultations. Members can easily schedule appointments by calling a single number, with no claim forms required.
• & Virtual Care Solutions:
  with Bright Med membership plans, you have access to Virtual Care Solutions through Lyric Health. Lyric Health Virtual Visits are an additional non-insurance membership benefit that provides access to telehealth services allowing members to consult with healthcare professionals from the comfort of home. This service is ideal for non-emergency medical issues and can help save members time and money on doctor visits.
  
  In essence, these plans offer a broad spectrum of healthcare services, ensuring timely and efficient care while alleviating financial burdens

To enroll in our First Dollar Insurance membership plans, membership in the United Business Association is required. Membership allows you to access group insurance options tailored to your needs.

All First Dollar Insurance membership plans require membership in UBA. You can add the group insurance to your membership. The descriptions and benefits above may not apply to all membership plans or in all states. For the insurance underwriting carrier, the full details of the plan, terms, conditions, state variations, limitations and exclusions, review the Certificate of Insurance. If there are any discrepancies between the descriptions above or below, the Certificate of Insurance will govern.

Note: Only currently marketed supplemental insurance is listed below. If you enrolled in a membership plan not listed here prior to 12/04/25, please review the Member Portal for your membership plan's full details.

Supplemental Insurance

Our Supplemental Insurance benefits are designed to provide additional coverage for unforeseen medical expenses, ensuring you have the financial support needed during challenging times. These benefits include:

• Accident Insurance:
  Provides financial support for medical expenses resulting from accidental injuries, helping cover costs such as deductibles and coinsurance that may not be fully covered by your primary insurance.
• Critical Illness Insurance:
  Offers a lump-sum benefit if you are first diagnosed with a serious illness such as heart attack, stroke or life-threatening cancer. This coverage helps manage healthcare costs and other associated expenses during recovery.
• Hospital Fixed Indemnity Insurance:
  Assists with covering hospital expenses by providing cash benefits for hospital stays and other covered medical services not fully covered by standard insurance plans.
• Term Life Insurance:
  Ensures financial security for your family in the event of your passing, providing them with funds to cover expenses such as mortgage payments, education costs, and daily living expenses.

To enroll in our Supplemental Insurance, membership in the United Business Association is required. Membership allows you to access group insurance options tailored to your needs.

All Supplemental Insurance requires membership in UBA. You can add the supplemental group insurance to your membership. For the insurance underwriting carrier, the full details of the plan, terms, conditions, limitations and exclusions, review the Certificate of Insurance. If there are any discrepancies between the descriptions above or below, the Certificate of Insurance will govern.

Note: Only currently marketed supplemental insurance is listed below. If you enrolled in a membership plan not listed here prior to 10/02/25, please review the Member Portal for your membership plan's full details.

Dental & Vision Insurance

Our Dental Insurance membership plans provide coverage for a range of dental services, including preventive, basic, and major procedures. These plans are designed to support your oral health needs by covering regular check-ups and various dental expenses. Be sure to consult the policy and certificate of insurance for specific terms, conditions, limitations, and exclusions that may apply.

Our Vision Insurance membership plans offer valuable savings on essential vision care. Members can benefit from annual comprehensive eye exams, a generous allowance for frames, and discounts on lens enhancements, ensuring that your vision needs are met affordably.

All Group Dental & Vision insurance require membership in UBA. As a member of the association group, you can add the supplemental group insurance to your membership. VSP Individual Vision Plan does not require membership in the association (UBA). For the insurance underwriting carrier, the full details of the plan, terms, conditions, limitations and exclusions, review the Certificate of Insurance. If there are any discrepancies between the descriptions above of below, the Certificate of Insurance will govern.

Note: Only currently marketed membership plans are listed below. If you enrolled in a membership plan not listed here or prior to 10/02/25, please review the Member Portal for your plan's full details.

Benefit Boost Subscriptions

Start boosting your savings today with Benefit Boost Subscriptions. These a la carte health and wellness services offer members a flexible way to access savings on essential services and products, ensuring your well-being is supported. Here are some of the options available:

• Virtual Care:
  Benefit Boost provides access to telehealth services, allowing you to consult with healthcare professionals from the comfort of your home. This service is ideal for non-emergency medical issues and can help you save time and money on doctor visits.
• Doctor Office & Urgent Care Visits:
  For doctor office and urgent care visits, healthcare becomes hassle-free and more affordable with low access fees.
• Dental Discounts:
  Get access to significant savings on dental care services, including routine check-ups, cleanings and more extensive procedures. With Benefit Boost, maintaining your oral health is both easy and economical.
• Adult Multi-Vitamins:
  Keep your health in check with free adult multi-vitamins. These supplements support your nutritional needs, helping you maintain a balanced diet and overall wellness.
• Prescription Discounts:
  Save on prescription medications with exclusive discounts available through Benefit Boost. This service helps reduce the cost of necessary prescriptions, ensuring you can afford the medications you need.
• Additional Services:
  Enjoy other additional services available in our comprehensive Benefit Boost 1.0, 2.0, 3.0 and 4.0 plans.

All of the Benefit Boost subscriptions are not insurance. Association Membership or any insurance plan is not required to enroll in these stand-alone non-insurance programs.

Note: Only currently marketed Subscriptions are listed below. If you enrolled in a program not listed here or prior to 10/02/25, please review the Member Portal for your program's full details.

Important Notice

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. All plan descriptions above are based on a broad overview of the majority of state's coverage available in the plan. Some coverage amounts or coverage availability may vary by state. Always review the state specific Certificate of Insurance for each plan to determine coverage benefits, availability, terms, conditions, limitations, and exclusions. If there are any discrepancies between the descriptions above and the Certificate, the Certificate will govern.

United Business Association, United States Fire Insurance Company, SiriusPoint America Insurance Company, Guarantee Trust Life Insurance Company, Windsor Life Insurance Company, Optimum Re Life Reinsurance Company, Renaissance Life & Health Insurance Company of America, First Continental Life & Accident Insurance Company, Vision Service Plan (VSP), Lyric Health, Paramount RX^®, Aetna Dental Access^®, LifeLock^®, FamilySource^®, Healthcare2U, and HealthyAmerica are separate legal entities and have sole financial responsibility for their own products.

5012725 | AAD101-15.19 | HASA-HI-1001 | HASA-CI-1001 | HASA-1000 | HASA BAM-1000 | HASA-HI-1000

Healthy America Insurance Agency, Inc. is the exclusive marketer for the United Business Association (Agency CA License OG32190 and NPN #7979686).