Straightforward process
with convenience in mind.
Learn more about how to enroll below.
Questions, Call us at 866-438-4274
Enrolling in the United Business Association is a straightforward process designed with convenience in mind. Prospective members have the flexibility to complete the enrollment application independently by visiting ubaapplication.com, where they can fill out and submit the necessary information at their own pace. Alternatively, those who prefer guided assistance can enlist the help of a licensed insurance agent to facilitate the enrollment process. Regardless of the method chosen, every enrollment is meticulously verified to ensure accuracy. Members are required to review their application details, confirm their understanding and acceptance of all necessary disclaimers, and then provide their electronic signature to finalize the process. This ensures that all information is correct and that members are fully aware of the terms and conditions associated with their enrollment.
Small Business Owners and their dedicated teams stand to gain significantly from enrolling in the United Business Association (UBA). As a member, businesses are not only connected to a network that understands their unique challenges, but also gain access to an array of resources tailored to promote growth and sustainability. The UBA offers comprehensive support, including exclusive benefits, insightful industry updates, and networking opportunities that can catalyze innovation and drive success. By joining the UBA, small businesses can streamline their administrative processes, allowing them to focus more on what truly matters: their business and its growth. Moreover, the ease of enrollment ensures that businesses can swiftly tap into these advantages without unnecessary hurdles, fostering an environment of empowerment and progress for both owners and their teams.
UBA membership provides access to over 27 association services that add value to members' lives. These include:
Membership is open to small business owners and their dedicated team including family members for a low monthly membership fee of $10, making it an affordable option for many.
When navigating the world of health insurance, it's essential to understand the distinctions between supplemental insurance and comprehensive health insurance. Both play unique roles in safeguarding your financial and health-related interests, but they serve different purposes.
Comprehensive health insurance is designed to be the cornerstone of your healthcare coverage. It is often provided through employer-sponsored plans, individual market policies, or government programs like the Affordable Care Act (ACA) plans. These plans offer a wide range of benefits, including:
Comprehensive plans typically include a network of doctors and hospitals, with coverage varying based on whether care is received in-network or out-of-network. They often have deductibles, copayments, and coinsurance, requiring policyholders to share in the cost of their healthcare.
Supplemental insurance is intended to complement your existing comprehensive health insurance. It provides additional financial protection by covering costs that your primary plan may not fully cover. Some common types of supplemental insurance include:
Supplemental insurance is not a substitute for comprehensive health coverage. Instead, it serves as an additional layer of protection to mitigate financial exposure from unexpected medical expenses.
Comprehensive health insurance provides broad, all-encompassing coverage, while supplement insurance targets specific gaps in coverage.
Comprehensive insurance is essential and forms the foundation of your health protection. Supplemental insurance is optional and serves to enhance this foundation.
Comprehensive plans address a wide range of medical services, whereas supplemental plans help manage costs not fully covered, such as copays and deductibles.
Ultimately, while comprehensive insurance is a necessity, supplemental insurance can provide valuable peace of mind by covering additional costs, ensuring you have a well-rounded approach to managing your health and financial well-being.
Group of blanket group insurance is a type of insurance coverage that provides benefits to a group of people under a single contract or policy. The term "group" refers to the collective nature of the policy, where coverage is extended to members of a specific organization or association, such as the United Business Association (UBA). This type of insurance is particularly beneficial for organizations as it offers streamlined coverage options, often at a lower cost than individual policies.
With group insurance, a single master policy is issued to the organization, in this case, the UBA. This master policy outlines the terms and conditions of coverage for all participating members, ensuring consistent benefits and coverage levels across the group. However, based on state regulations and requirements, benefits could vary by state so checking the Certificate of Insurance to review all benefits details is highly recommended prior to enrolling in a membership plan that includes group insurance.
As a member of the UBA group, individuals gain access to optional group insurance benefits by adding supplemental insurance to their membership. This allows members to conveniently enhance their insurance coverage through the association with UBA.
Group insurance typically offers cost advantages due to the collective bargaining power of the group. By pooling members together, insurance providers can spread risk across a larger number of insured individuals, often resulting in lower premiums and better terms.
The administration of group insurance is generally more straightforward, as there is only one policy to manage rather than numerous individual policies. This can reduce administrative overhead and simplify the process for both the provider and the members.
UBA offers a variety of programs and membership plans to meet the diverse needs of its members. By exploring these offerings, members can identify the membership plans that best suit their needs and enhance their overall benefits package. The association encourages interested individuals to reach out for more information and assistance in enrolling in the most suitable membership plan.
In summary, group or blanket group insurance provides a practical and efficient way for members of organizations like the UBA to access supplemental insurance benefits. By joining the UBA, members can take advantage of these well-structured insurance options, contributing to their financial security and peace of mind.
No, enrolling in a membership plan that includes group supplemental insurance benefits is not mandatory to become a member of the United Business Association (UBA). The UBA offers flexibility in membership, allowing individuals to join without the obligation to purchase additional supplemental options. Here are some key points to understand:
By offering optional supplemental group insurance coverage, UBA aims to provide its members with more options and benefits. However, the core UBA Membership itself does not require the purchase of these additional membership plans, ensuring accessibility for all prospective members.
Enrolling in the United Business Association through the application at ubaapplication.com is a straightforward process designed to cater to both small business owners and employees, both individuals and their families looking to benefit from association membership and supplemental membership plans. Here's a step-by-step guide to navigating the full enrollment process:
The first step in the enrollment process is deciding whether to become a member of the United Business Association. Membership provides access to a variety of benefits, including access to supplemental insurance and non-insurance benefit boost membership plans. Carefully review the benefits of membership to determine if it aligns with your needs.
Because the UBA enrollment platform also includes non-insurance benefits and individual insurance that does not require UBA membership to enroll, the option to join UBA becomes your first step in the enrollment process. You can choose to not enroll in UBA and still enroll in these non-insurance Benefit Boost subscriptions or the VSP Individual Vision plan.
Once you've decided on your membership, you will need to enter your basic household information. This typically includes:
With the household information submitted, the next step is selecting the membership plans that best suit your requirements. You'll have the option to choose from:
Once your membership plans are selected, you will need to answer simple qualifying questions. These questions help determine eligibility for certain plans and ensure that the selected plans meet your specific needs. Be prepared to provide honest and accurate answers to required questions including the UBA qualifying question that asks if you are a small business owner or employee.
After completing the qualifying questions, you will choose an effective date for your selected membership plans. The effective date is the day your membership and any accompanying membership plans will begin. Consider your current coverage expiration dates and any other timing factors when selecting your effective dates.
Most membership plans offered through UBA either have two effective date options: 1st or 15th of the month effective dates. Some plans only allow 1st of the month effective dates and it will be indicated with only 1st of the month availability in the effective date choice selection during this step of the process for membership plans selected.
In order to finalize the enrollment, you must provide billing information. This includes:
Ensure that all information provided is accurate to avoid any interruptions in coverage or membership benefits. Once you continue to the next page, you will be submitting the enrollment application to the next phase of our enrollment process: membership verification and e-signature phase.
The final set in the United Business Association (UBA) enrollment process is crucial for activating your membership and any selected membership plans. Here is a guide on how to complete the verification and e-signature process:
After submitting the initial phase of the enrollment application, you will receive an email prompting you to finalize the enrollment process. This email is from ubaapplication.com and contains important instructions on how to proceed with the verification and e-signature steps. If you do not see your email in your inbox, please check your spam or junk folder.
After successfully enrolling in the United Business Association (UBA), members gain access to a variety of resources and support options that help them make the most of their membership. This document outlines the steps involved in the post-enrollment process, detailing how to access important documents, understand the benefits, and obtain customer service support.
Once enrollment is complete, members receive a link to register and access the UBA Member Portal. This online platform is a central hub for all membership-related documents and resources. Here, members can:
When you join the United Business Association (UBA), you will receive a welcome package that includes important documents and instructions to help you get started with your membership and any optional membership plans you have chosen. Here's what you can expect:
This letter will be mailed to you and serves as an introduction to your UBA membership. It will provide crucial information such as:
The welcome letter will also guide you on how to access various member resources through our Member Portal, including:
For those who have enrolled in Benefit Boost Subscriptions or the VSP Individual Vision Plan, please note:
By following the instructions in your welcome letter and utilizing the Member Portal, you can seamlessly access your membership benefits and ensure you are equipped with all necessary information and tools to optimize your UBA experience.
If you have any questions or require assistance during the enrollment process or post-enrollment, please do not hesitate to contact us. Our team is ready to provide support and ensure your enrollment experience is seamless. Whether you need clarification on membership options or help with the application itself, we are here to assist you every step of the way.
Take the first step towards empowering your small business with UBA today!
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, 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.
AAD101-15.19 | 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).