SUPPLEMENTAL INSURANCE COVERAGE PLANS NATIONWIDE.

FIND OUT WHAT UBA OFFERS

UBA MEMBERSHIP PLANS

We're here to help answer any questions
Call us at 866-438-4274.



Enhance Your Existing Insurance with a Plan That's Right for You.

By becoming a member of the United Business Association (UBA), you are joining a national network of informed small businesses and employees looking to strengthen each other together. UBA Members have access to better lifestyle services, money-saving discounts, leveraged purchasing power, and optional supplemental group insurance programs to augment their existing coverage. These programs are the heart of what we do. Our organization creates better availability for the programs you genuinely need and enhances your health, financial standing, and peace of mind. We invite you to contact us to learn about our plans and discover how UBA can serve you.

Discover an Optional UBA Gap Plan that Matches Your Needs

UBA offers a robust array of optional supplemental group insurance programs designed with life in mind. We understand that unexpected events happen in life, and you need coverage to stay safe. Our optional supplemental group insurance plans provide additional coverage for some out-of-pocket expenses when you need it most for a wide range of medical scenarios, including accident insurance, emergency room insurance, critical illness insurance, and more.

Why is it called Group Insurance?
The master policy is issued to the United Business Association and as a member of the United Business Association group, you have access to the optional group insurance by adding a UBA Gap Plan. We invite you to learn more about all the programs we offer below, then contact us to purchase the plan that works best for you.



Plan details below are for plans purchased on or after 10-01-20 and for Gap 10, Gap 25 and the Super Gap Plus Plan in CA & NJ purchased on 12-31-20 and later. If you purchased a plan listed below prior to 10-01-20 or 12-31-20 for the Super Gap Plus in CA & NJ, login to your member portal for your plan details. The plan details listed below may be different from the plan you purchased.


Choose a category below to view Plans available in the category.



UBA Membership Plan


UBA MEMBERSHIP PLAN

MEMBER DRIVEN VALUE.

Unlock the value of your UBA Membership.

Your membership in the 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 access to enroll in association group insurance programs. The UBA Membership Plan is an excellent fit for small business owners, employees, and their families. Your membership in UBA offers you Member Driven Value and We are Better Together.




UBA Membership State Availability
All 50 U.S. States


This Plan includes
Non-Insurance Services Only
  • Plan Cost*

    $10 for the entire family

  • Brief Association Membership Description
    UBA Membership Plan

    UBA MEMBERSHIP PLAN

    Unlock the value of your UBA Membership.




    Business Services of UBA


    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






    Lifestlye Services of UBA


    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






    UBA Member Networking


    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.






    UBA Optional Group Supplemental Insurance


    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...








    THIS IS AN ASSOCIATION MEMBERSHIP PLAN.


    Read the brochure carefully. This is a brief description of the membership services available to you in the United Business Association membership. Product features, additional plans, and availability may vary by state. While we believe you will be pleased with your overall association membership, we cannot, however, warrant or guarantee the performance of any discount or service. You must be a member of the United Business Association in order to purchase any plan that includes group association insurance issued to the United Business Association. Services and plan cost are subject to change.



  • Non-Insurance UBA Service Details
  • Get a Quote & Apply
Benefit Boost Plan


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. Purchase it stand-alone or it is available as part of most of the UBA Gap Plans that include group insurance (check plans for availability).




Benefit Boost State Availability
All 50 U.S. States


This Plan includes
Non-Insurance Services Only
  • Plan Cost*

    $25 - Ind   |   $40 - Ind+1   |   $60 - Family

  • Brief Membership Description
    Benefit Boost Plan

    BENEFIT BOOST PLAN

    A stragegy to boost your overall health.




    Telehealth with MeMD


    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


    Free Gummy Multi-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


    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


    Dental Discounts with Aetna Dental Access® Network

    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


    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.









    THIS IS A MEMBERSHIP PLAN AND IS NOT INSURANCE.


    Read the brochure carefully. This is a brief description of the membership services available to you in the Benefit Boost Plan membership. Product features and availability may vary by state. While we believe you will be pleased with your overall association membership, we cannot, however, warrant or guarantee the performance of any discount or service. Services and plan cost are subject to change. These Benefit Boost services are included in any of the optional UBA Supplemental Gap Plans that include insurance (except UBA Dental & UBA Vision Plans).



  • Non-Insurance Benefit Boost Service Details
  • Get a Quote & Apply
Gap ER Plan


GAP ER PLAN

FOR THE UNEXPECTED.

Emergencies happen when you least expect it.

The Gap ER Plan offers 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 emergency room visits for accident and sickness. Our Gap ER Plan is designed to help supplement your comprehensive health insurance plan for additional protection. Be prepared for emergencies when they happen.




Gap ER State Availability
AL, AZ, AR, CA, DC, DE, FL, GA, IL, IN, IA, KY, LA, MI, MO, MS, NE, NM, NJ, NC, ND, OH, OK, RI, SC, TN, TX, VA, VT, WV, WI & WY


This Plan includes Group Insurance &
Benefit Boost Non-Insurance Services
  • Plan Cost*

    $35 - Ind   |   $55 - Ind+1   |   $65 - Family

  • Brief Group Insurance Description
    Gap ER Plan

    GAP ER PLAN

    Emergencies happen when you least expect it.




    Daily Hospital Confinement Benefit - Group Hospital Fixed Indemnity Insurance


    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.






    Emergency Room Visit Benefit - Group Hospital Fixed Indemnity Insurance


    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 covered medical emergency 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.







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    GROUP HOSPITAL FIXED INDEMNITY INSURANCE
    UNDERWRITTEN BY:
    United States Fire Insurance Company

    Crum & Forster Logo


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo



    THE INSURANCE PORTIONS OF THIS PLAN PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. THIS IS A GROUP HOSPITAL FIXED INDEMNITY INSURANCE ONLY POLICY.


    The following monthly insurance rates apply to coverage underwritten by United States Fire Insurance Company1. Your overall total association membership dues for the Gap ER Plan also include these monthly insurance rates:

    1Group Hospital Fixed Indemnity Insurance:
    $9.04 (Individual), $18.07 (Ind+1), $31.63 (Family)


    Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance products and is not an insurance contract, nor part of the Certificate of Insurance and is subject to the terms, conditions, limitations, and exclusions of the Certificate(s) of Insurance. Coverage may vary or may not be available in all states. You'll find complete coverage details in the Certificate(s) of Insurance. Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company, Eatontown, NJ. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Plan cost does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this plan.

    United Business Association, Crum & Forster, United States Fire Insurance Company and Healthy America are separate legal entities and have sole financial responsibility for their own products.

    AH-2562







  • Certificates of Insurance (Limitations & Exclusions)
  • Claim Forms
  • Non-Insurance UBA Benefit Boost Services

    Benefit Boost Services

    Non-Insurance Services included in this plan.

    This plan includes Benefit Boost Services which are: telehealth (urgent visits and talk therapy) with MeMD®, free gummy multi-vitamins, retail prescription & pet prescription discounts, Aetna Dental Access discounts, and Identity theft protection with LifeLock®.

    All Benefit Boost Services are not Insurance and are separate services from the insurance as part of this membership plan. Benefit Boost services are subject to change when needed.

    As part of your overall Gap ER Plan cost, the non-insurance Benefit Boost services retail at $25 (Individual), $40 (Ind+1), $60 (Family).

    Crum & Forster and United States Fire Insurance Company do not offer and are not affliated with the additional non-insurance Benefit Boost services and discount programs offered in connection with membership in the United Business Association (UBA).




  • Get a Quote & Apply
Gap AME+ER Plan


GAP AME+ER PLAN

ACCIDENTS HAPPEN.

Life is unpredictable and sometimes we get hurt.

The Gap AME+ER Plan also covers young families prone to accidents or those looking for an extra layer of protection for out-of-pocket costs because of mishaps or emergency room visits. Yet only the Gap AME+ER Plan offers supplemental coverage for your comprehensive health insurance plan for accidents, accidental death & dismemberment and for accidents or sickness at the emergency room.




Gap AME+ER State Availability
AL, AZ, AR, CA, DC, DE, FL, GA, IL, IN, IA, KY, LA, MI, MO, MS, NE, NM, NJ, NC, ND, OH, OK, RI, SC, TN, TX, VA, VT, WV, WI & WY


This Plan includes Group Insurance &
Benefit Boost Non-Insurance Services
  • Plan Cost*

    $40 - Ind   |   $65 - Ind+1   |   $90 - Family

  • Brief Group Insurance Description
    Gap AME+ER Plan

    GAP AME+ER PLAN

    Life is unpredictable and sometimes we get hurt.




    Group Accident Insurance


    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.






    Daily Hospital Confinement Benefit - Group Hospital Fixed Indemnity Insurance


    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.






    Emergency Room Visit Benefit - Group Hospital Fixed Indemnity Insurance


    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 covered medical emergency 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.







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    GROUP ACCIDENT INSURANCE &
    GROUP HOSPITAL FIXED INDEMNITY INSURANCE
    UNDERWRITTEN BY:
    United States Fire Insurance Company

    Crum & Forster Logo


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo



    THE INSURANCE PORTIONS OF THIS PLAN PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. THIS IS A GROUP ACCIDENT & GROUP HOSPITAL FIXED INDEMNITY INSURANCE ONLY POLICY.


    The following monthly insurance rates apply to coverage underwritten by United States Fire Insurance Company1. Your overall total association membership dues for the Gap AME+ER Plan also include these monthly insurance rates:

    1Group Accident Insurance:
    $5.42 (Individual), $10.87 (Ind+1), $19.00 (Family)

    1Group Hospital Fixed Indemnity Insurance:
    $9.04 (Individual), $18.07 (Ind+1), $31.63 (Family)


    Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance products and is not an insurance contract, nor part of the Certificate of Insurance and is subject to the terms, conditions, limitations, and exclusions of the Certificate(s) of Insurance. Coverage may vary or may not be available in all states. You'll find complete coverage details in the Certificate(s) of Insurance. Group Accident and Group Hospital Fixed Indemnity Insurance are underwritten by United States Fire Insurance Company, Eatontown, NJ. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Plan cost does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this plan.

    United Business Association, Crum & Forster, United States Fire Insurance Company and Healthy America are separate legal entities and have sole financial responsibility for their own products.

    AH-2562







  • Certificates of Insurance (Limitations & Exclusions)
  • Claim Forms
  • Non-Insurance UBA Benefit Boost Services

    Benefit Boost Services

    Non-Insurance Services included in this plan.

    This plan includes Benefit Boost Services which are: telehealth (urgent visits and talk therapy) with MeMD®, free gummy multi-vitamins, retail prescription & pet prescription discounts, Aetna Dental Access discounts, and Identity theft protection with LifeLock®.

    All Benefit Boost Services are not Insurance and are separate services from the insurance as part of this membership plan. Benefit Boost services are subject to change when needed.

    As part of your overall Gap AME+ER Plan cost, the non-insurance Benefit Boost services retail at $25 (Individual), $40 (Ind+1), $60 (Family).

    Crum & Forster and United States Fire Insurance Company do not offer and are not affliated with the additional non-insurance Benefit Boost services and discount programs offered in connection with membership in the United Business Association (UBA).




  • Get a Quote & Apply
Gap AME 10K Plan


GAP AME 10K PLAN

ACCIDENTS HAPPEN.

Life is unpredictable and sometimes we get hurt.

The Gap AME 10K Plan provides the same layer of exceptional protection against accidents as our Gap AME+ER Plan. However, the Gap AME 10K Plan does not offer the Group Hospital Fixed Indemnity Insurance. 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 medical costs due to an accident. The Gap AME 10K Plan is designed to help supplement your comprehensive health insurance plan for additional protection.




Gap AME 10K State Availability
Underwritten by Guaranteed Trust Life Insurance Company (GTL)
AL, AZ, AR, CA, CT, DC, DE, FL, GA, IL, IN, IA, KS, KY, MI, MS, NC, ND, NE, NJ, NV, OH, OK, PA, RI, SC, TN, TX, VA, WV, WI & WY


This Plan includes Group Insurance &
Benefit Boost Non-Insurance Services
Gap CI Plan


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 history of cancer, heart attack, or stroke, or those that want that extra layer of protection for some of their out-of-pocket costs like experimental treatments, out-of-network costs, living expenses while under treatment, and more after first diagnosis of a covered Critical Illness. Our Gap CI Plan is designed to help supplement your comprehensive health insurance plan for additional protection. Benefit is paid as a lump-sum payment.




Gap CI State Availability
AR, AZ, MS, MO, NM, OK, & TX




This Plan includes Group Insurance &
Benefit Boost Non-Insurance Services
  • Plan Cost*

    $30 - Ind   |   $60 - Ind+1   |   $60 - Family

  • Brief Group Insurance Description
    Gap CI Plan

    GAP CI PLAN

    Fight back against out-of-pocket expenses.




    Group Critical Illness Insurance


    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


    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.




    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.




    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


    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.







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    GROUP CRITICAL ILLNESS INSURANCE
    UNDERWRITTEN BY:
    Windsor Life Insurance Company

    Windsor - Optimum RE Logo


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo



    THE INSURANCE PORTIONS OF THIS PLAN PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. THIS IS A GROUP CRITICAL ILLNESS INSURANCE ONLY POLICY.


    The following monthly insurance rates apply to coverage underwritten by Windsor Life Insurance Company1. Your overall total association membership dues for the Gap CI Plan also include these monthly insurance rates:

    1Group Critical Illness Insurance: $10 (Individual), $20 (Ind+1), $20 (Family)


    Read the Certificate(s) of Insurance carefully. This is a brief description of Group Critical Illness Insurance and is not an insurance contract, nor part of the insurance policy. You’ll find complete coverage details in the policy certificate. Group Critical Illness Insurance pays for benefits for first diagnosis of Covered Critical Illnesses only and does not provide for any other medical conditions. You should maintain separate comprehensive health coverage. Group Critical Illness Insurance is provided by and underwritten by Windsor Life Insurance Company, an Optimum Re reinsured company. Covered Critical Illnesses are subject to the definitions, limitations and exclusions of the Policy Certificate. Benefit for Group Critical Illness Insurance ends at 65. Benefits are paid at 10% of the Benefit Maximum if first diagnosis occurs in the first year from the effective date.

    United Business Association, Optimum Re, Windsor Life Insurance Company and Healthy America are separate legal entities and have sole financial responsibility for their own products.







  • Certificates of Insurance (Limitations & Exclusions)
  • Claim Forms
  • Non-Insurance UBA Benefit Boost Services

    Benefit Boost Services

    Non-Insurance Services included in this plan.

    This plan includes Benefit Boost Services which are: telehealth (urgent visits and talk therapy) with MeMD®, free gummy multi-vitamins, retail prescription & pet prescription discounts, Aetna Dental Access discounts, and Identity theft protection with LifeLock®.

    All Benefit Boost Services are not Insurance and are separate services from the insurance as part of this membership plan. Benefit Boost services are subject to change when needed.

    As part of your overall Gap CI Plan cost, the non-insurance Benefit Boost services retail at $25 (Individual), $40 (Ind+1), $60 (Family).

    Windsor Life Insurance Company and Optimum Life Reinsurance Company do not offer and are not affliated with the additional non-insurance Benefit Boost services and discount programs offered in connection with membership in the United Business Association (UBA).




  • Get a Quote & Apply
Gap Basic Plan


GAP BASIC PLAN

GAP YOUR DEDUCTIBLE.

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

The Gap Basic Plan offers valuable coverage for families and employees who frequently suffer accidents or have a family history of cancer, heart attack, or stroke. It also works for those that want that extra layer of protection for some of their out-of-pocket costs due to a member's passing (in available states). The Gap Basic Plan is designed to augment your comprehensive health insurance plan for additional resources.




Gap Basic State Availability
AL, AR, AZ, CA, DC, DE, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, ND, NE, NJ, NV, OH, OK, RI, TN, TX, VA, WI, WV & WY


This Plan includes Group Insurance &
Benefit Boost Non-Insurance Services
  • Plan Cost*

    $30 - Ind   |   $50 - Ind+1   |   $70 - Family

  • Brief Group Insurance Description
    Gap Basic Plan

    GAP BASIC PLAN

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




    Blanket Group Accident Insurance


    Blanket Group Accident Insurance

    Blanket Group Accident Medical Expense Insurance

    $5,000 Group Accident Medical Expense Insurance Annual Maximum Benefit.

    $100 Deductible per accident.

    Blanket 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


    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


    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.







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    BLANKET GROUP ACCIDENT INSURANCE
    & GROUP CRITICAL ILLNESS INSURANCE
    UNDERWRITTEN BY:
    Sirius America Insurance Company

    Sirius America Insurance Company Logo


    GROUP TERM LIFE INSURANCE
    UNDERWRITTEN BY:
    Investors Heritage Life Insurance Company

    Group Term Life Insurance provided by Investors Heritage Life Insurance Company


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo



    THE INSURANCE PORTIONS OF THIS PLAN PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. COVERAGE IS PROVIDED UNDER BLANKET ACCIDENT, GROUP CRITICAL ILLNESS AND GROUP TERM LIFE INSURANCE ONLY POLICIES.


    The following monthly insurance rates apply to coverage underwritten by Sirius America Insurance Company1 and Investors Heritage Life Insurance Company2. Your overall total association membership dues for the Gap Basic Plan also include these monthly insurance rates:

    1Blanket Group Accident Insurance:
    $4.17 (Individual), $8.37 (Ind+1), $15.76 (Family)

    1Group Critical Illness Insurance:
    $3.26 (Individual), $6.51 (Ind+1), $6.51 (Family)

    2Group Term Life Insurance:
    $1.90 (Individual), $3.80 (Ind+1), $3.80 (Family) - in available states


    Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance products and is not an insurance contract, nor part of the Certificate of Insurance and is subject to the terms, conditions, limitations, and exclusions of the Blanket Group Policy and Certificate(s) of Insurance. Coverage may vary or may not be available in all states. You’ll find complete coverage details in the Certificate(s) of Insurance. Blanket Accident Insurance and Group Critical Illness Insurance are underwritten by Sirius America Insurance Company, New York, NY. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Covered Critical Illnesses are subject to the definitions, limitations and exclusions of the Group Policy. Coverage for Critical Illness is for Member and eligible Spouse between the ages of 18-64. Benefit for Group Critical Illness Insurance ends at age 65. Group Critical Illness Insurance Benefit Maximum is reduced if the first diagnosis occurs in the first year from the effective date. Group Term Life Insurance is underwritten by Investors Heritage Life Insurance Company and covers member and eligible spouse only and coverage ends at age 65. Plan cost for the Gap Basic Plan does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this plan.

    United Business Association, Sirius America Insurance Company, Investors Heritage Life Insurance Company and Healthy America are separate legal entities and have sole financial responsibility for their own products.

    HA-1000







  • Certificates of Insurance (Limitations & Exclusions)
  • Claim Forms

    GET ACCIDENT CLAIM FORM

    GET CRITICAL ILLNESS CLAIM FORM

    Term Life States are:
    AL, AR, AZ, CA, FL, GA, IL, IN, KY, MI,
    MO, MS, NE, NM, OH, OK, PA, SC, TN, TX & VA

    GET TERM LIFE CLAIM FORM

  • Non-Insurance UBA Benefit Boost Services

    Benefit Boost Services

    Non-Insurance Services included in this plan.

    This plan includes Benefit Boost Services which are: telehealth (urgent visits and talk therapy) with MeMD®, free gummy multi-vitamins, retail prescription & pet prescription discounts, Aetna Dental Access discounts, and Identity theft protection with LifeLock®.

    All Benefit Boost Services are not Insurance and are separate services from the insurance as part of this membership plan. Benefit Boost services are subject to change when needed.

    As part of your overall Gap Basic Plan cost, the non-insurance Benefit Boost services retail at $25 (Individual), $40 (Ind+1), $60 (Family).

    Sirius America Insurance Company and Investors Heritage Life Insurance Company do not offer and are not affliated with the additional non-insurance Benefit Boost services and discount programs offered in connection with membership in the United Business Association (UBA).




  • Get a Quote & Apply
Gap Plus Plan


GAP PLUS PLAN

BRIDGING THE GAP.

Unexpected out-of-pocket expenses happen.

The Gap Plus Plan offers the same superior protection as our Gap Basic Plan but with additional Group Hospital Fixed Indemnity Insurance benefits for daily hospital confinement, daily physician office visits, daily outpatient diagnostic laboratory tests, and daily outpatient diagnostic radiology & x-rays. The Gap Plus Plan is designed to supplement your comprehensive health insurance plan for additional protection.




Gap Plus State Availability
AL, AR, AZ, DC, DE, FL, GA, IL, IN, IA, KY, LA, MI, MS, NE, NM, NC, ND, OH, OK, RI, SC, TN, TX, VA, VT, WV, WI, & WY


This Plan includes Group Insurance &
Benefit Boost Non-Insurance Services
  • Plan Cost*

    $40 - Ind   |   $60 - Ind+1   |   $80 - Family

  • Brief Group Insurance Description
    Gap Plus Plan

    GAP PLUS PLAN

    Unexpected out-of-pocket expenses happen.




    Group Accident Insurance


    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.






    Daily Hospital Confinement Benefit - Group Hospital Fixed Indemnity Insurance


    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.






    Physician Office Visit Benefit - Group Hospital Fixed Indemnity Insurance


    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.






    Oupatient Radiology & X-ray Benefit - Group Hospital Fixed Indemnity Insurance


    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.






    Outpatient Laboratory Test Benefit - Group Hospital Fixed Indemnity Insurance


    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.






    Critical Illness Insurance Benefit - Group Hospital Fixed Indemnity Insurance


    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


    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.







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    GROUP ACCIDENT INSURANCE &
    GROUP HOSPITAL FIXED INDEMNITY INSURANCE
    UNDERWRITTEN BY:
    United States Fire Insurance Company

    Crum & Forster Logo


    GROUP TERM LIFE INSURANCE
    UNDERWRITTEN BY:
    Investors Heritage Life Insurance Company

    Group Term Life Insurance provided by Investors Heritage Life Insurance Company


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo



    THE INSURANCE PORTIONS OF THIS PLAN PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. THIS IS A GROUP ACCIDENT & HOSPITAL FIXED INDEMNITY INSURANCE & GROUP TERM LIFE INSURANCE ONLY POLICY.


    The following monthly insurance rates apply to coverage underwritten by United States Fire Insurance Company1 and Investors Heritage Life Insurance Company2. Your overall total association membership dues for the Gap Plus Plan also include these monthly insurance rates

    1Group Accident Insurance:
    $5.42 (Individual), $10.87 (Ind+1), $19.00 (Family)

    1Group Hospital Fixed Indemnity Insurance:
    $7.98 (Individual), $15.66 (Ind+1), $19.90 (Family)

    1Critical Illness Insurance Benefit Rider:
    $3.00 (Individual), $6.00 (Ind+1), $6.00 (Family)

    2Group Term Life Insurance:
    $1.90 (Individual), $3.80 (Ind+1), $3.80 (Family) - in available states


    Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance products and is not an insurance contract, nor part of the Certificate of Insurance and is subject to the terms, conditions, limitations, and exclusions of the Group Policy and Certificate(s) of Insurance. Coverage may vary or may not be available in all states. You’ll find complete coverage details in the Certificate(s) of Insurance. Group Accident Insurance and Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company, Eatontown, NJ. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Covered Critical Illnesses are subject to the definitions, limitations and exclusions of the Group Policy and Certificate Rider. Coverage for Critical Illness is for Member and eligible Spouse between the ages of 18-64. Benefit for Group Critical Illness Insurance ends at age 65. Benefits are paid at 10% of the Benefit Maximum if first diagnosis occurs in the first year from the effective date. Group Term Life Insurance is underwritten by Investors Heritage Life Insurance Company and covers member and eligible spouse only and coverage ends at age 65. Plan cost for the Gap Plus Plan does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this plan.

    United Business Association, Crum & Forster, United States Fire Insurance Company, Investors Heritage Life Insurance Company and Healthy America are separate legal entities and have sole financial responsibility for their own products.

    AH-2562







  • Certificates of Insurance (Limitations & Exclusions)
  • Claim Forms

    GET ACCIDENT & WELLNESS CLAIM FORM

    GET CRITICAL ILLNESS CLAIM FORM

    Term Life States are:
    AL, AR, AZ, CA, FL, GA, IL, IN, KY, MI,
    MO, MS, NE, NM, OH, OK, PA, SC, TN, TX & VA

    GET TERM LIFE CLAIM FORM

  • Non-Insurance UBA Benefit Boost Services

    Benefit Boost Services

    Non-Insurance Services included in this plan.

    This plan includes Benefit Boost Services which are: telehealth (urgent visits and talk therapy) with MeMD®, free gummy multi-vitamins, retail prescription & pet prescription discounts, Aetna Dental Access discounts, and Identity theft protection with LifeLock®.

    All Benefit Boost Services are not Insurance and are separate services from the insurance as part of this membership plan. Benefit Boost services are subject to change when needed.

    As part of your overall Gap Plus Plan cost, the non-insurance Benefit Boost services retail at $25 (Individual), $40 (Ind+1), $60 (Family).

    Crum & Forster, United States Fire Insurance Company, and Investors Heritage Life Insurance Company do not offer and are not affliated with the additional non-insurance Benefit Boost services and discount programs offered in connection with membership in the United Business Association (UBA).




  • Get a Quote & Apply
Gap 10 Plan


GAP 10 PLAN

CUT YOUR EXPENSES.

Get the upperhand on out-of-pocket expenses.

The Gap 10 Plan is designed to supplement your comprehensive health insurance and give you additional protection for out-of-pocket expenses for accidents or critical illnesses. Nearly identical to our Gap Basic Plan benefits, but without the Group Term Life Insurance, our Gap 10 Plan offers double the coverage or a $10,000 max Blanket Group Accident Medical Expense and Group Critical Illness Insurance benefit. With the Gap 10 Plan, members can get the upperhand on their out-of-pocket medical expenses for covered accidents and first diagnosis of covered critical illnesses. This plan offers valuable coverage for those who are accident-prone or who have a family history of cancer, heart attack or stroke. Need more coverage? Scroll down for more options.




Gap 10 State Availability
AL, AR, AZ, CA, DC, DE, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, ND, NE, NJ, NV, OH, OK, RI, TN, TX, VA, WI, WV & WY


This Plan includes Group Insurance &
Benefit Boost Non-Insurance Services
  • Plan Cost*

    $40 - Ind   |   $60 - Ind+1   |   $90 - Family

  • Brief Group Insurance Description
    Gap Basic Plan

    GAP 10 PLAN

    Get the upperhand on out-of-pocket expenses.




    Blanket Group Accident Insurance


    Blanket Group Accident Insurance

    Blanket Group Accident Medical Expense Insurance

    $10,000 Group Accident Medical Expense Insurance Annual Maximum Benefit.

    $100 Deductible per accident.

    Blanket 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


    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.







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    BLANKET GROUP ACCIDENT INSURANCE
    & GROUP CRITICAL ILLNESS INSURANCE
    UNDERWRITTEN BY:
    Sirius America Insurance Company

    Sirius America Insurance Company Logo


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo



    THE INSURANCE PORTIONS OF THIS PLAN PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. COVERAGE IS PROVIDED UNDER BLANKET ACCIDENT AND GROUP CRITICAL ILLNESS INSURANCE ONLY POLICIES.


    The following monthly insurance rates apply to coverage underwritten by Sirius America Insurance Company1. Your overall total association membership dues for the Gap 10 Plan also include these monthly insurance rates:

    1Blanket Group Accident Insurance:
    $6.00(Individual), $12.00 (Ind+1), $22.61 (Family)

    1Group Critical Illness Insurance:
    $6.18 (Individual), $12.36 (Ind+1), $12.36 (Family)


    Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance products and is not an insurance contract, nor part of the Certificate of Insurance and is subject to the terms, conditions, limitations, and exclusions of the Blanket Group Policy and Certificate(s) of Insurance. Coverage may vary or may not be available in all states. You’ll find complete coverage details in the Certificate(s) of Insurance. Blanket Accident Insurance and Group Critical Illness Insurance are underwritten by Sirius America Insurance Company, New York, NY. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Covered Critical Illnesses are subject to the definitions, limitations and exclusions of the Group Policy. Coverage for Critical Illness is for Member and eligible Spouse between the ages of 18-64. Benefit for Group Critical Illness Insurance ends at age 65. Group Critical Illness Insurance Benefit Maximum is reduced if the first diagnosis occurs in the first year from the effective date. Plan cost for the Gap 10 Plan does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this plan.

    United Business Association, Sirius America Insurance Company, and Healthy America are separate legal entities and have sole financial responsibility for their own products.

    HA-1000







  • Certificates of Insurance (Limitations & Exclusions)
  • Claim Forms
  • Non-Insurance UBA Benefit Boost Services

    Benefit Boost Services

    Non-Insurance Services included in this plan.

    This plan includes Benefit Boost Services which are: telehealth (urgent visits and talk therapy) with MeMD®, free gummy multi-vitamins, retail prescription & pet prescription discounts, Aetna Dental Access discounts, and Identity theft protection with LifeLock®.

    All Benefit Boost Services are not Insurance and are separate services from the insurance as part of this membership plan. Benefit Boost services are subject to change when needed.

    As part of your overall Gap 10 Plan cost, the non-insurance Benefit Boost services retail at $25 (Individual), $40 (Ind+1), $60 (Family).

    Sirius America Insurance Company does not offer and is not affliated with the additional non-insurance Benefit Boost services and discount programs offered in connection with membership in the United Business Association (UBA).




  • Get a Quote & Apply
Gap Max Plan


GAP MAX PLAN

MAX YOUR BENEFITS.

Expect the unexpected and be prepared.

The Gap Max Plan has similar advantages to our Gap AME+ER Plan but also includes Critical Illness and Term Life Insurance (in available states). The Gap Max Plan offers $10,000 in Group Accident Medical Expense Insurance, as well as Group Hospital Fixed Indemnity Insurance for daily hospital confinement, daily emergency room visits for accidents and sickness, and a $25,000 Critical Illness Insurance maximum lifetime benefit. The Gap Max Plan is designed to be a supplement to your comprehensive health insurance plan for additional protection and is one of our more popular plans. Gap Max offers valuable coverage for people who are accident prone as well as those with a family history of cancer, heart attack and stroke. Scroll down for additional states.




Gap Max State Availability
AL, AR, DC, DE, FL, GA, IA, IL, IN, KY, LA, MI, MS, NC, ND, NE, NM, OH, OK, RI, SC, TN, VA, VT, WI, WV & WY


This Plan includes Group Insurance &
Benefit Boost Non-Insurance Services
  • Plan Cost*

    $50 - Ind   |   $85 - Ind+1   |   $110 - Family

  • Brief Group Insurance Description
    Gap Max Plan

    GAP MAX PLAN

    Expect the unexpected and be prepared.




    Group Accident Insurance


    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.






    Daily Hospital Confinement Benefit - Group Hospital Fixed Indemnity Insurance


    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.






    Emergency Room Visit Benefit - Group Hospital Fixed Indemnity Insurance


    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 covered medical emergency 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.






    Critical Illness Insurance Benefit - Group Hospital Fixed Indemnity Insurance


    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


    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.







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    GROUP ACCIDENT INSURANCE &
    GROUP HOSPITAL FIXED INDEMNITY INSURANCE
    UNDERWRITTEN BY:
    United States Fire Insurance Company

    Crum & Forster Logo


    GROUP TERM LIFE INSURANCE
    UNDERWRITTEN BY:
    Investors Heritage Life Insurance Company

    Group Term Life Insurance provided by Investors Heritage Life Insurance Company


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo



    THE INSURANCE PORTIONS OF THIS PLAN PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. THIS IS A GROUP ACCIDENT & HOSPITAL FIXED INDEMNITY INSURANCE & GROUP TERM LIFE INSURANCE ONLY POLICY.


    The following monthly insurance rates apply to coverage underwritten by United States Fire Insurance Company1 and Investors Heritage Life Insurance Company2. Your overall total association membership dues for the Gap Max Plan also include these monthly insurance rates:

    1Group Accident Insurance:
    $5.42 (Individual), $10.87 (Ind+1), $19.00 (Family)

    1Group Hospital Fixed Indemnity Insurance:
    $9.04 (Individual), $18.07 (Ind+1), $31.63 (Family)

    1Critical Illness Insurance Benefit Rider:
    $7.86 (Individual), $15.73 (Ind+1), $15.73 (Family)

    2Group Term Life Insurance:
    $3.80 (Individual), $7.60 (Ind+1), $7.60 (Family) - in available states


    Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance products and is not an insurance contract, nor part of the Certificate of Insurance and is subject to the terms, conditions, limitations, and exclusions of the Group Policy and Certificate(s) of Insurance. Coverage may vary or may not be available in all states. You’ll find complete coverage details in the Certificate(s) of Insurance. Group Accident Insurance and Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company, Eatontown, NJ. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Covered Critical Illnesses are subject to the definitions, limitations and exclusions of the Group Policy and Certificate Rider. Coverage for Critical Illness is for Member and eligible Spouse between the ages of 18-64. Benefit for Group Critical Illness Insurance ends at age 65. Benefits are paid at 10% of the Benefit Maximum if first diagnosis occurs in the first year from the effective date. Group Term Life Insurance is underwritten by Investors Heritage Life Insurance Company and covers member and eligible spouse only and coverage ends at age 65. Plan cost for the Gap Max Plan does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this plan.

    United Business Association, Crum & Forster, United States Fire Insurance Company, Investors Heritage Life Insurance Company and Healthy America are separate legal entities and have sole financial responsibility for their own products.

    AH-2562







  • Certificates of Insurance (Limitations & Exclusions)
  • Claim Forms

    GET ACCIDENT & WELLNESS CLAIM FORM

    GET CRITICAL ILLNESS CLAIM FORM

    Term Life States are:
    AL, AR, AZ, CA, FL, GA, IL, IN, KY, MI,
    MO, MS, NE, NM, OH, OK, PA, SC, TN, TX & VA

    GET TERM LIFE CLAIM FORM

  • Non-Insurance UBA Benefit Boost Services

    Benefit Boost Services

    Non-Insurance Services included in this plan.

    This plan includes Benefit Boost Services which are: telehealth (urgent visits and talk therapy) with MeMD®, free gummy multi-vitamins, retail prescription & pet prescription discounts, Aetna Dental Access discounts, and Identity theft protection with LifeLock®.

    All Benefit Boost Services are not Insurance and are separate services from the insurance as part of this membership plan. Benefit Boost services are subject to change when needed.

    As part of your overall Gap Max Plan cost, the non-insurance Benefit Boost services retail at $25 (Individual), $40 (Ind+1), $60 (Family).

    Crum & Forster, United States Fire Insurance Company, and Investors Heritage Life Insurance Company do not offer and are not affliated with the additional non-insurance Benefit Boost services and discount programs offered in connection with membership in the United Business Association (UBA).




  • Get a Quote & Apply
Gap Max Plan


GAP MAX PLAN

MAX YOUR BENEFITS.

Expect the unexpected and be prepared.

The Gap Max Plan has similar advantages to our Gap AME+ER Plan but also includes Critical Illness and Term Life Insurance (in available states). The Gap Max Plan offers $10,000 in Group Accident Medical Expense Insurance, as well as Group Hospital Fixed Indemnity Insurance for daily hospital confinement, daily emergency room visits for accidents and sickness, and a $25,000 Critical Illness Insurance maximum lifetime benefit. The Gap Max Plan is designed to be a supplement to your comprehensive health insurance plan for additional protection and is one of our more popular plans. Scroll up for additional states.




Gap Max State Availability
AZ, MO & TX



This Plan includes Group Insurance &
Benefit Boost Non-Insurance Services
  • Plan Cost*

    $50 - Ind   |   $85 - Ind+1   |   $110 - Family

  • Brief Group Insurance Description
    Gap Max Plan

    GAP MAX PLAN

    Expect the unexpected and be prepared.




    Group Accident Insurance


    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.






    Daily Hospital Confinement Benefit - Group Hospital Fixed Indemnity Insurance


    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.






    Emergency Room Visit Benefit - Group Hospital Fixed Indemnity Insurance


    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 covered medical emergency 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


    Group Hospital Fixed Indemnity 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 Term Life Insurance


    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.







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    GROUP ACCIDENT INSURANCE &
    GROUP HOSPITAL FIXED INDEMNITY INSURANCE
    UNDERWRITTEN BY:
    United States Fire Insurance Company

    Crum & Forster Logo


    GROUP CRITICAL ILLNESS INSURANCE
    UNDERWRITTEN BY:
    Windsor Life Insurance Company

    Windsor - Optimum RE Logo


    GROUP TERM LIFE INSURANCE
    UNDERWRITTEN BY:
    Investors Heritage Life Insurance Company

    Group Term Life Insurance provided by Investors Heritage Life Insurance Company


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo



    THE INSURANCE PORTIONS OF THIS PLAN PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. THIS IS A GROUP ACCIDENT & HOSPITAL FIXED INDEMNITY INSURANCE & GROUP TERM LIFE INSURANCE ONLY POLICY.


    The following monthly insurance rates apply to coverage underwritten by United States Fire Insurance Company1 , Windsor Life Insurance Company2, and Investors Heritage Life Insurance Company3. Your overall total association membership dues for the Gap Max Plan also include these monthly insurance rates:

    1Group Accident Insurance:
    $5.42 (Individual), $10.87 (Ind+1), $19.00 (Family)

    1Group Hospital Fixed Indemnity Insurance:
    $9.04 (Individual), $18.07 (Ind+1), $31.63 (Family)

    2Group Critical Illness Insurance:
    $10 (Individual), $20 (Ind+1), $20 (Family)

    3Group Term Life Insurance:
    $3.80 (Individual), $7.60 (Ind+1), $7.60 (Family) - in available states


    Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance products and is not an insurance contract, nor part of the Certificate of Insurance and is subject to the terms, conditions, limitations, and exclusions of the Certificate(s) of Insurance and/or Certificate Riders. Coverage may vary or may not be available in all states. You'll find complete coverage details in the Certificate(s) of Insurance and/or Certificate Riders. Group Accident Insurance and Group Hospital Fixed Indemnity Insurance are underwritten by United States Fire Insurance Company, Eatontown, NJ. Group Critical Illness is underwritten by Windsor Life Insurance Company. Coverage for Critical Illness Insurance Benefit ends at age 65 and is available to Covered Member and Eligible Spouse only. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Group Term Life Insurance is underwritten by Investors Heritage Life Insurance Company and is available to Covered Member and Eligible Spouse only and coverage ends at age 65. Plan cost for the Gap Max Plan does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this plan.

    United Business Association, Crum & Forster, United States Fire Insurance Company, Windsor Life Insurance Company, Optimum Re, Investors Heritage Life Insurance Company and Healthy America are separate legal entities and have sole financial responsibility for their own products.

    AH-2562







  • Certificates of Insurance (Limitations & Exclusions)
  • Claim Forms

    GET ACCIDENT & ER CLAIM FORM

    GET CRITICAL ILLNESS CLAIM FORM

    Term Life States are: AL, AR, AZ, CA, FL, GA, IL, IN, KY, MI, MO, MS, NE, NM, OH, OK, PA, SC, TN, TX & VA

    GET TERM LIFE CLAIM FORM

  • Non-Insurance UBA Benefit Boost Services

    Benefit Boost Services

    Non-Insurance Services included in this plan.

    This plan includes Benefit Boost Services which are: telehealth (urgent visits and talk therapy) with MeMD®, free gummy multi-vitamins, retail prescription & pet prescription discounts, Aetna Dental Access discounts, and Identity theft protection with LifeLock®.

    All Benefit Boost Services are not Insurance and are separate services from the insurance as part of this membership plan. Benefit Boost services are subject to change when needed.

    As part of your overall Gap Max Plan cost, the non-insurance Benefit Boost services retail at $25 (Individual), $40 (Ind+1), $60 (Family).

    Crum & Forster, United States Fire Insurance Company, Windsor Life Insurance Company, Optimum Life Reinsurance Company and Investors Heritage Life Insurance Company do not offer and are not affliated with the additional non-insurance Benefit Boost services and discount programs offered in connection with membership in the United Business Association (UBA).




  • Get a Quote & Apply
Gap 25 Plan


GAP 25 PLAN

CUT YOUR EXPENSES.

Get the upperhand on out-of-pocket expenses.

The Gap 25 Plan mirrors our Gap 10 Plan's coverage, but with one crucial difference, the total of the max benefits. The maximum Blanket Group Accident Medical Expense Insurance and Group Critical Illness Insurance benefit are now $25,000. This additional supplemental protection offers members the peace of mind for those that are accident prone or have a family history of cancer, heart attack or stroke. The Gap 25 Plan is designed to supplement your comprehensive health insurance plan for additional protection. Get the upperhand on your out-of-pocket medical expenses related to accidents or critical illness and be prepared.




Gap 25 State Availability
AL, AR, AZ, CA, DC, DE, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, ND, NE, NJ, NV, OH, OK, RI, TN, TX, VA, WI, WV & WY


This Plan includes Group Insurance &
Benefit Boost Non-Insurance Services
  • Plan Cost*

    $50 - Ind   |   $100 - Ind+1   |   $120 - Family

  • Brief Group Insurance Description
    Gap 25 Plan

    GAP 25 PLAN

    Get the upperhand on out-of-pocket expenses.




    Blanket Group Accident Insurance


    Blanket Group Accident Insurance

    Blanket Group Accident Medical Expense Insurance

    $25,000 Group Accident Medical Expense Insurance Annual Maximum Benefit.

    $100 Deductible per accident.

    Blanket 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


    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.







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    BLANKET GROUP ACCIDENT INSURANCE
    & GROUP CRITICAL ILLNESS INSURANCE
    UNDERWRITTEN BY:
    Sirius America Insurance Company

    Sirius America Insurance Company Logo


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo



    THE INSURANCE PORTIONS OF THIS PLAN PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. COVERAGE IS PROVIDED UNDER BLANKET ACCIDENT AND GROUP CRITICAL ILLNESS INSURANCE ONLY POLICIES.


    The following monthly insurance rates apply to coverage underwritten by Sirius America Insurance Company1. Your overall total association membership dues for the Gap 25 Plan also include these monthly insurance rates:

    1Blanket Group Accident Insurance:
    $8.54(Individual), $17.07 (Ind+1), $32.18 (Family)

    1Group Critical Illness Insurance:
    $15.45 (Individual), $30.90 (Ind+1), $30.90 (Family)


    Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance products and is not an insurance contract, nor part of the Certificate of Insurance and is subject to the terms, conditions, limitations, and exclusions of the Blanket Group Policy and Certificate(s) of Insurance. Coverage may vary or may not be available in all states. You’ll find complete coverage details in the Certificate(s) of Insurance. Blanket Accident Insurance and Group Critical Illness Insurance are underwritten by Sirius America Insurance Company, New York, NY. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Covered Critical Illnesses are subject to the definitions, limitations and exclusions of the Group Policy. Coverage for Critical Illness is for Member and eligible Spouse between the ages of 18-64. Benefit for Group Critical Illness Insurance ends at age 65. Group Critical Illness Insurance Benefit Maximum is reduced if the first diagnosis occurs in the first year from the effective date. Plan cost for the Gap 25 Plan does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this plan.

    United Business Association, Sirius America Insurance Company, and Healthy America are separate legal entities and have sole financial responsibility for their own products.

    HA-1000







  • Certificates of Insurance (Limitations & Exclusions)
  • Claim Forms
  • Non-Insurance UBA Benefit Boost Services

    Benefit Boost Services

    Non-Insurance Services included in this plan.

    This plan includes Benefit Boost Services which are: telehealth (urgent visits and talk therapy) with MeMD®, free gummy multi-vitamins, retail prescription & pet prescription discounts, Aetna Dental Access discounts, and Identity theft protection with LifeLock®.

    All Benefit Boost Services are not Insurance and are separate services from the insurance as part of this membership plan. Benefit Boost services are subject to change when needed.

    As part of your overall Gap 25 Plan cost, the non-insurance Benefit Boost services retail at $25 (Individual), $40 (Ind+1), $60 (Family).

    Sirius America Insurance Company does not offer and is not affliated with the additional non-insurance Benefit Boost services and discount programs offered in connection with membership in the United Business Association (UBA).




  • Get a Quote & Apply
Super Gap Plus Plan


SUPER GAP PLUS PLAN

GET IN THE FIGHT.

Fighting the battle against out-of-pocket costs.

The Super Gap Plus Plan is the ultimate coverage for critical illness, accidents, and supplemental insurance programs. Our Super Gap Plus Plan offers stellar benefits for our members, such as $25,000 Group Accident Insurance, Group Hospital Fixed Indemnity Insurancefor daily hospital confinement, emergency room visits for accident and sickness, daily physician office visits, daily outpatient diagnostic laboratory test, daily outpatient diagnostic radiology and x-rays, $25,000 Critical Illness Benefit maximum amount, and $10,000 Group Term Life Insurance (in available states). The Super Gap Plus Plan is the most popular plan among new members that includes optional supplemental group insurance programs through the United Business Association due to the maximum coverages available with this plan. Scroll down to view additional states available for the Super Gap Plus Plan




Super Gap Plus State Availability
AL, AR, DC, DE, FL, GA, IA, IL, IN, KY, LA, MI, MS, NC, ND, NE, NM, OH, OK, RI, SC, TN, VA, VT, WI, WV & WY


This Plan includes Group Insurance &
Benefit Boost Non-Insurance Services
  • Plan Cost*

    $60 - Ind   |   $120 - Ind+1   |   $140 - Family

  • Brief Group Insurance Description
    Super Gap Plus Plan

    SUPER GAP PLUS PLAN

    Fighting the battle against out-of-pocket costs.




    Group Accident Insurance


    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.






    Daily Hospital Confinement Benefit - Group Hospital Fixed Indemnity Insurance


    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.






    Emergency Room Visit Benefit - Group Hospital Fixed Indemnity Insurance


    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 covered medical emergency 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.






    Physician Office Visit Benefit - Group Hospital Fixed Indemnity Insurance


    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.






    Oupatient Radiology & X-ray Benefit - Group Hospital Fixed Indemnity Insurance


    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.






    Outpatient Laboratory Test Benefit - Group Hospital Fixed Indemnity Insurance


    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.






    Critical Illness Insurance Benefit - Group Hospital Fixed Indemnity Insurance


    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


    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.







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    GROUP ACCIDENT INSURANCE &
    GROUP HOSPITAL FIXED INDEMNITY INSURANCE
    UNDERWRITTEN BY:
    United States Fire Insurance Company

    Crum & Forster Logo


    GROUP TERM LIFE INSURANCE
    UNDERWRITTEN BY:
    Investors Heritage Life Insurance Company

    Group Term Life Insurance provided by Investors Heritage Life Insurance Company


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo



    THE INSURANCE PORTIONS OF THIS PLAN PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. THIS IS A GROUP ACCIDENT & HOSPITAL FIXED INDEMNITY INSURANCE & GROUP TERM LIFE INSURANCE ONLY POLICY.


    The following monthly insurance rates apply to coverage underwritten by United States Fire Insurance Company1 and Investors Heritage Life Insurance Company2. Your overall total association membership dues for the Super Gap Plus Plan also include these monthly insurance rates:

    1Group Accident Insurance:
    $5.42 (Individual), $10.87 (Ind+1), $19.00 (Family)

    1Group Hospital Fixed Indemnity Insurance:
    $11.36 (Individual), $22.69 (Ind+1), $36.85 (Family)

    1Critical Illness Insurance Benefit Rider:
    $7.86 (Individual), $15.73 (Ind+1), $15.73 (Family)

    2Group Term Life Insurance:
    $3.80 (Individual), $7.60 (Ind+1), $7.60 (Family) - in available states


    Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance products and is not an insurance contract, nor part of the Certificate of Insurance and is subject to the terms, conditions, limitations, and exclusions of the Group Policy and Certificate(s) of Insurance. Coverage may vary or may not be available in all states. You’ll find complete coverage details in the Certificate(s) of Insurance. Group Accident Insurance and Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company, Eatontown, NJ. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Covered Critical Illnesses are subject to the definitions, limitations and exclusions of the Group Policy and Certificate Rider. Coverage for Critical Illness is for Member and eligible Spouse between the ages of 18-64. Benefit for Group Critical Illness Insurance ends at age 65. Benefits are paid at 10% of the Benefit Maximum if first diagnosis occurs in the first year from the effective date. Group Term Life Insurance is underwritten by Investors Heritage Life Insurance Company and covers member and eligible spouse only and coverage ends at age 65. Plan cost for the Super Gap Plus Plan does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this plan.

    United Business Association, Crum & Forster, United States Fire Insurance Company, Investors Heritage Life Insurance Company and Healthy America are separate legal entities and have sole financial responsibility for their own products.

    AH-2562







  • Certificates of Insurance (Limitations & Exclusions)
  • Claim Forms

    GET ACCIDENT & WELLNESS CLAIM FORM

    GET CRITICAL ILLNESS CLAIM FORM

    Term Life States are:
    AL, AR, AZ, CA, FL, GA, IL, IN, KY, MI,
    MO, MS, NE, NM, OH, OK, PA, SC, TN, TX & VA

    GET TERM LIFE CLAIM FORM

  • Non-Insurance UBA Benefit Boost Services

    Benefit Boost Services

    Non-Insurance Services included in this plan.

    This plan includes Benefit Boost Services which are: telehealth (urgent visits and talk therapy) with MeMD®, free gummy multi-vitamins, retail prescription & pet prescription discounts, Aetna Dental Access discounts, and Identity theft protection with LifeLock®.

    All Benefit Boost Services are not Insurance and are separate services from the insurance as part of this membership plan. Benefit Boost services are subject to change when needed.

    As part of your overall Super Gap Plus Plan cost, the non-insurance Benefit Boost services retail at $25 (Individual), $40 (Ind+1), $60 (Family).

    Crum & Forster, United States Fire Insurance Company, and Investors Heritage Life Insurance Company do not offer and are not affliated with the additional non-insurance Benefit Boost services and discount programs offered in connection with membership in the United Business Association (UBA).




  • Get a Quote & Apply
Super Gap Plus Plan


SUPER GAP PLUS PLAN

GET IN THE FIGHT.

Fighting the battle against out-of-pocket costs.

The Super Gap Plus Plan is the ultimate coverage for critical illness, accidents, and supplemental insurance programs. Our Super Gap Plus Plan offers stellar benefits for our members, such as $25,000 Group Accident Insurance, Group Hospital Fixed Indemnity Insurancefor daily hospital confinement, emergency room visits for accident and sickness, daily physician office visits, daily outpatient diagnostic laboratory test, daily outpatient diagnostic radiology and x-rays, $25,000 Group Critical Illness Benefit maximum amount, and $10,000 Group Term Life Insurance (in available states). The Super Gap Plus Plan is the most popular plan among new members that includes optional supplemental group insurance programs through the United Business Association due to the maximum coverages available with this plan. Scroll up & down to view additional states available for the Super Gap Plus Plan.




Super Gap Plus State Availability
AZ, MO & TX



This Plan includes Group Insurance &
Benefit Boost Non-Insurance Services
  • Plan Cost*

    $60 - Ind   |   $120 - Ind+1   |   $140 - Family

  • Brief Group Insurance Description
    Super Gap Plus Plan

    SUPER GAP PLUS PLAN

    Fighting the battle against out-of-pocket costs.




    Group Accident Insurance


    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.






    Daily Hospital Confinement Benefit - Group Hospital Fixed Indemnity Insurance


    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.






    Emergency Room Visit Benefit - Group Hospital Fixed Indemnity Insurance


    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 covered medical emergency 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.






    Physician Office Visit Benefit - Group Hospital Fixed Indemnity Insurance


    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.






    Oupatient Radiology & X-ray Benefit - Group Hospital Fixed Indemnity Insurance


    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.






    Outpatient Laboratory Test Benefit - Group Hospital Fixed Indemnity Insurance


    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 Critical Illness Insurance


    Group Hospital Fixed Indemnity 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 Term Life Insurance


    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.







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    GROUP ACCIDENT INSURANCE &
    GROUP HOSPITAL FIXED INDEMNITY INSURANCE
    UNDERWRITTEN BY:
    United States Fire Insurance Company

    Crum & Forster Logo


    GROUP CRITICAL ILLNESS INSURANCE
    UNDERWRITTEN BY:
    Windsor Life Insurance Company

    Windsor - Optimum RE Logo


    GROUP TERM LIFE INSURANCE
    UNDERWRITTEN BY:
    Investors Heritage Life Insurance Company

    Group Term Life Insurance provided by Investors Heritage Life Insurance Company


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo



    THE INSURANCE PORTIONS OF THIS PLAN PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. THIS IS A GROUP ACCIDENT & HOSPITAL FIXED INDEMNITY INSURANCE & GROUP TERM LIFE INSURANCE ONLY POLICY.


    The following monthly insurance rates apply to coverage underwritten by United States Fire Insurance Company1, Windsor Life Insurance Company2 and Investors Heritage Life Insurance Company3. Your overall total association membership dues for the Super Gap Plus Plan also include these monthly insurance rates:

    1Group Accident Insurance:
    $5.42 (Individual), $10.87 (Ind+1), $19.00 (Family)

    1Group Hospital Fixed Indemnity Insurance:
    $11.36 (Individual), $22.69 (Ind+1), $36.85 (Family)

    2Group Critical Illness Insurance:
    $10 (Individual), $20 (Ind+1), $20 (Family)

    3Group Term Life Insurance:
    $3.80 (Individual), $7.60 (Ind+1), $7.60 (Family) - in available states


    Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance products and is not an insurance contract, nor part of the Certificate of Insurance and is subject to the terms, conditions, limitations, and exclusions of the Certificate(s) of Insurance and/or Certificate Riders. Coverage may vary or may not be available in all states. You'll find complete coverage details in the Certificate(s) of Insurance and/or Certificate Riders. Group Accident Insurance and Group Hospital Fixed Indemnity Insurance are underwritten by United States Fire Insurance Company, Eatontown, NJ. Group Critical Illness is underwritten by Windsor Life Insurance Company. Coverage for Critical Illness Insurance Benefit ends at age 65 and is available to Covered Member and Eligible Spouse only. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Group Term Life Insurance is underwritten by Investors Heritage Life Insurance Company and is available to Covered Member and Eligible Spouse only and coverage ends at age 65. Plan cost for the Super Gap Plus Plan does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this plan.

    United Business Association, Crum & Forster, United States Fire Insurance Company, Windsor Life Insurance Company, Optimum Re, Investors Heritage Life Insurance Company and Healthy America are separate legal entities and have sole financial responsibility for their own products.

    AH-2562







  • Certificates of Insurance (Limitations & Exclusions)
  • Claim Forms

    GET ACCIDENT & ER CLAIM FORM

    GET CRITICAL ILLNESS CLAIM FORM

    Term Life States are: AL, AR, AZ, CA, FL, GA, IL, IN, KY, MI, MO, MS, NE, NM, OH, OK, PA, SC, TN, TX & VA

    GET TERM LIFE CLAIM FORM

  • Non-Insurance UBA Benefit Boost Services

    Benefit Boost Services

    Non-Insurance Services included in this plan.

    This plan includes Benefit Boost Services which are: telehealth (urgent visits and talk therapy) with MeMD®, free gummy multi-vitamins, retail prescription & pet prescription discounts, Aetna Dental Access discounts, and Identity theft protection with LifeLock®.

    All Benefit Boost Services are not Insurance and are separate services from the insurance as part of this membership plan. Benefit Boost services are subject to change when needed.

    As part of your overall Super Gap Plus Plan cost, the non-insurance Benefit Boost services retail at $25 (Individual), $40 (Ind+1), $60 (Family).

    Crum & Forster, United States Fire Insurance Company, Windsor Life Insurance Company, Optimum Life Reinsurance Company and Investors Heritage Life Insurance Company do not offer and are not affliated with the additional non-insurance Benefit Boost services and discount programs offered in connection with membership in the United Business Association (UBA).




  • Get a Quote & Apply
Super Gap Plus Plan


SUPER GAP PLUS PLAN

GET IN THE FIGHT.

Fighting the battle against out-of-pocket costs.

The Super Gap Plus Plan is the ultimate coverage for critical illness, accidents, and supplemental insurance programs. Our Super Gap Plus Plan offers stellar benefits for our members, such as $25,000 Group Accident Insurance, Group Hospital Fixed Indemnity Insurancefor daily hospital confinement, emergency room visits for accident and sickness, daily physician office visits, daily outpatient diagnostic laboratory test, daily outpatient diagnostic radiology and x-rays, $25,000 Group Critical Illness Benefit maximum amount, and $10,000 Group Term Life Insurance (in available states). The Super Gap Plus Plan is the most popular plan among new members that includes optional supplemental group insurance programs through the United Business Association due to the maximum coverages available with this plan. Scroll up to view additional states available for the Super Gap Plus Plan.




Super Gap Plus State Availability
CA & NJ



This Plan includes Group Insurance &
Benefit Boost Non-Insurance Services
  • Plan Cost*

    $60 - Ind   |   $120 - Ind+1   |   $140 - Family

  • Brief Group Insurance Description
    Super Gap Plus Plan

    SUPER GAP PLUS PLAN

    Fighting the battle against out-of-pocket costs.




    Group Accident Insurance


    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.






    Daily Hospital Confinement Benefit - Group Hospital Fixed Indemnity Insurance


    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.






    Emergency Room Visit Benefit - Group Hospital Fixed Indemnity Insurance


    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 covered medical emergency 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.






    Physician Office Visit Benefit - Group Hospital Fixed Indemnity Insurance


    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.






    Oupatient Radiology & X-ray Benefit - Group Hospital Fixed Indemnity Insurance


    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.






    Outpatient Laboratory Test Benefit - Group Hospital Fixed Indemnity Insurance


    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 Critical Illness Insurance


    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


    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.







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    GROUP ACCIDENT INSURANCE &
    GROUP HOSPITAL FIXED INDEMNITY INSURANCE
    UNDERWRITTEN BY:
    United States Fire Insurance Company

    Crum & Forster Logo


    GROUP CRITICAL ILLNESS INSURANCE
    UNDERWRITTEN BY:
    Sirius America Insurance Company

    Sirius America Insurance Company Logo


    GROUP TERM LIFE INSURANCE
    UNDERWRITTEN BY:
    Investors Heritage Life Insurance Company

    Group Term Life Insurance provided by Investors Heritage Life Insurance Company


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo



    THE INSURANCE PORTIONS OF THIS PLAN PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. THIS IS A GROUP ACCIDENT & HOSPITAL FIXED INDEMNITY INSURANCE, GROUP CRITICAL ILLNESS & GROUP TERM LIFE INSURANCE ONLY POLICY.


    The following monthly insurance rates apply to coverage underwritten by United States Fire Insurance Company1, Sirius America Insurance Company2, and Investors Heritage Life Insurance Company3. Your overall total association membership dues for the Super Gap Plus Plan also include these monthly insurance rates:

    1Group Accident Insurance:
    $5.42 (Individual), $10.87 (Ind+1), $19.00 (Family)

    1Group Hospital Fixed Indemnity Insurance:
    $11.36 (Individual), $22.69 (Ind+1), $36.85 (Family)

    2Group Critical Illness Insurance:
    $15.45 (Individual), $30.90 (Ind+1), $30.90 (Family)

    3Group Term Life Insurance:
    $3.80 (Individual), $7.60 (Ind+1), $7.60 (Family) - in available states


    Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance products and is not an insurance contract, nor part of the Certificate of Insurance and is subject to the terms, conditions, limitations, and exclusions of the Certificate(s) of Insurance and/or Certificate Riders. Coverage may vary or may not be available in all states. You'll find complete coverage details in the Certificate(s) of Insurance and/or Certificate Riders. Group Accident Insurance and Group Hospital Fixed Indemnity Insurance are underwritten by United States Fire Insurance Company, Eatontown, NJ. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Group Critical Illness Insurance is underwritten by Sirius America Insurance Company. Covered Critical Illnesses are subject to the definitions, limitations and exclusions of the Group Policy. Coverage for Critical Illness is for Member and eligible Spouse between the ages of 18-64. Benefit for Group Critical Illness Insurance ends at age 65. Benefits are paid at 10% of the Benefit Maximum if first diagnosis occurs in the first year from the effective date. Group Term Life Insurance is underwritten by Investors Heritage Life Insurance Company and is available to Covered Member and Eligible Spouse only and coverage ends at age 65. Plan cost for the Super Gap Plus Plan does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this plan.

    United Business Association, Crum & Forster, United States Fire Insurance Company, Sirius America Insurance Company, Investors Heritage Life Insurance Company and Healthy America are separate legal entities and have sole financial responsibility for their own products.

    AH-2562 | HA-1000







  • Certificates of Insurance (Limitations & Exclusions)
  • Claim Forms

    GET ACCIDENT & ER CLAIM FORM

    GET CRITICAL ILLNESS CLAIM FORM

    Term Life States are: AL, AR, AZ, CA, FL, GA, IL, IN, KY, MI, MO, MS, NE, NM, OH, OK, PA, SC, TN, TX & VA

    GET TERM LIFE CLAIM FORM

  • Non-Insurance UBA Benefit Boost Services

    Benefit Boost Services

    Non-Insurance Services included in this plan.

    This plan includes Benefit Boost Services which are: telehealth (urgent visits and talk therapy) with MeMD®, free gummy multi-vitamins, retail prescription & pet prescription discounts, Aetna Dental Access discounts, and Identity theft protection with LifeLock®.

    All Benefit Boost Services are not Insurance and are separate services from the insurance as part of this membership plan. Benefit Boost services are subject to change when needed.

    As part of your overall Super Gap Plus Plan cost, the non-insurance Benefit Boost services retail at $25 (Individual), $40 (Ind+1), $60 (Family).

    Crum & Forster, United States Fire Insurance Company, Sirius America Insurance Company, Optimum Life Reinsurance Company and Investors Heritage Life Insurance Company do not offer and are not affliated with the additional non-insurance Benefit Boost services and discount programs offered in connection with membership in the United Business Association (UBA).




  • Get a Quote & Apply
STM Plan (C&F)


STM PLAN (C&F)

THE TIME IS NOW.

For times without traditional health insurance.

United States Fire Insurance Company's Individual Short Term Medical Insurance provides coverage for unexpected medical bills and other health care expenses when you are in-between traditional comprehensive health insurance plans. Short Term Medical Insurance can be an excellent fit for those in-between jobs, between open enrollments, student not on a parent's plan or cobra is too expensive. Short Term Medical Insurance is not intended to qualify as minimum essential coverage required by the Affordable Care Act and provides coverage for short term durations only. You do not need to be a member of UBA in order to apply and enroll in this Short Term Medical Insurance Plan. Adding plans like the Super Gap Plus or Benefit Boost can help enhance some gaps and out-of-pocket expenses. UBA does endorse the STM Plan and is available in either 6 month or 12 month durations (depending on the state).




STM Plan State Availability
AZ, MI, NV, WY (6 months); SC (6 or 11 months); AL, AR, GA, IA, KS, KY, MS, NC, NE, TX, WI & WV (6 or 12 months) 12 months = 364 days


This Plan includes Individual
Short Term Medical Insurance Only
  • Plan Cost*

    Plan cost varies by age, gender & zip. Get a Quote.

  • Brief Individual Insurance Description
    STM Plan (C&F)

    STM PLAN (C&F)

    For times without traditional health insurance.




    Short Term Insurance


    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.

    Individual Short Term Medical Insurance is underwritten by United States Fire Insurance Company.






    Short Term Benefit Highlights - Hospital, Surgery & More


    Short Term Medical Benefit Highlights

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

    Subject to deductible, coinsurance perentage and coinsurance limit

    Individual Short Term Medical Insurance is underwritten by United States Fire Insurance Company.






    Short Term Benefit Highlights - Emergency Room Visit


    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.)

    Individual Short Term Medical Insurance is underwritten by United States Fire Insurance Company.






    Short Term Benefit Highlights - Physician Office Visits


    Short Term Medical Benefit Highlights

    Physician Office Visit

    $50 Copay for each visit

    (Coinsurance will not apply, not subject to the deductible. Wellness is not covered - See exclusions in brochure.)

    Individual Short Term Medical Insurance is underwritten by United States Fire Insurance Company.






    Short Term Benefit Highlights - Urgent Care Center


    Short Term Medical Benefit Highlights

    Urgent Care Center

    $50 Copay for each visit after which Coinsurance will apply

    (Not subject to the deductible.)

    Individual Short Term Medical Insurance is underwritten by United States Fire Insurance Company.






    Short Term Benefit Highlights - Ambulance


    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



    Individual Short Term Medical Insurance is underwritten by United States Fire Insurance Company.







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    SHORT TERM MEDICAL INSURANCE
    UNDERWRITTEN BY:
    United States Fire Insurance Company

    Crum & Forster Logo


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo



    STM PLAN (C&F) DISCLAIMER

    THE COVERAGE IS A SHORT TERM MEDICAL INSURANCE POLICY THAT IS NOT INTENDED TO QUALIFY AS THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). UNLESS YOU PURCHASE A PLAN THAT PROVIDES MINIMUM ESSENTIAL COVERAGE IN ACCORDANCE WITH THE ACA, YOU MAY BE SUBJECT TO A FEDERAL TAX PENALTY. ALSO, THE TERMINATION OR LOSS OF THIS POLICY DOES NOT ENTITLE YOU TO A SPECIAL ENROLLMENT PERIOD TO PURCHASE HEALTH BENEFIT PLAN THAT QUALIFIES AS MINIMUM ESSENTIAL COVERAGE OUTSIDE OF AN OPEN ENROLLMENT PERIOD.

    NOTE: THE POLICY IS NOT RENEWABLE. NO CONTINUOUS COVERAGE. THE POLICY OF INSURANCE PROVIDES COVERAGE FOR SHORT TERM DURATION ONLY. IT IS NOT RENEWABLE. ALTHOUGH THIS SHORT TERM PLAN MAY BE WRITTEN FOR NEW AND COMPLETED SEPARATE COVERAGE PERIODS (AS LONG AS YOU MEET THE ELIGIBILITY CRITERIA DESCRIBED IN THE APPLICATION), COVERAGE DOES NOT CONTINUE FROM ONE POLICY TO ANOTHER. THIS MEANS THAT A NEW APPLICATION MUST BE SUBMITTED, A NEW EFFECTIVE DATE IS GIVEN, A NEW PREEXISTING CONDITION EXCLUSION PERIOD BEGINS AND A NEW DEDUCTIBLE AND OUT-OF-POCKET EXPENSE MUST BE MET. ANY MEDICAL CONDITION WHICH MAY HAVE OCCURRED AND/OR EXISTED UNDER A PRIOR POLICY WILL BE TREATED AS A PREEXISTING CONDITION UNDER THE NEW POLICY.


    Read the brochure and Policy carefully. This is a brief description of Short Term Medical Insurance and is not an insurance contract, nor part of the insurance policy and is subject to the terms, conditions, limitations, and exclusions of the policy. Coverage may vary and may not be available in all states. You'll find complete coverage details in the policy. Short Term Medical Insurance is underwritten by United States Fire Insurance Company. Short Term Medical does not meet Minimum Essential Coverage as mandated by the Affordable Care Act. Short Term, limited duration plans are not subject to certain provisions of federal health care reform, including provisions related to Essential Health Benefits, lifetime limits, preventive care, guaranteed renewability, and preexisting conditions. The preexisting condition exclusion for Short Term Medical plans will apply for all insureds, including those under the age of 19. Know your plan. Short Term Medical plans offer medical coverage, are medically underwritten (so you can be declined) and do not provide Minimum Essential Coverage.

    AH-2562







  • Brochure (Limitations & Exclusions)
  • Claim Forms

    Note: You only need to file a claim form the first time seeing a new provider under this insurance. You won't need to file a claim form for services provided by that same provider for any future visits.




  • STM Covid-19 Notice
  • Get a Quote & Apply
UBA Dental Plan


UBA DENTAL PLAN

BRIGHTER SMILES.

Get regular cleanings & 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.




UBA Dental State Availability
AL, AR, AZ, CA, CT, DC, DE, FL, GA, ID, IN, IA, KY, LA, MI, MS, MO, ND, NE, NJ, NM, NV, OH, OK, PA, SC, TN, TX, VA, WV, WI & WY



This Plan includes Group Insurance Only.
  • Plan Cost*

    Plan cost varies by state & area. Get a Quote.

  • Brief Group Insurance Description
    UBA Dental Plan

    UBA DENTAL PLAN

    Get regular cleanings & protect your oral health.




    Group Dental Insurance


    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




    DIAGNOSTIC & PREVENTIVE

    100% - Diagnostic & preventive services

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




    BASIC SERVICES

    70% - Basic dental services

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




    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.







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    GROUP DENTAL INSURANCE UNDERWRITTEN BY:
    Renaissance Life & Health Insurance Company of America

    Renaissance Dental


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo



    THIS IS DENTAL INSURANCE AND NOT MAJOR MEDICAL INSURANCE.


    Read the group insurance certificates carefully. This is a brief description of Association Group Dental Insurance and is not an insurance contract, nor part of the insurance policy and is subject to the terms, conditions, limitations, and exclusions of the policy. Coverage may vary or may not be available in all states. You'll find complete coverage details in the policy certificate. Insurance benefits are underwritten by Renaissance Life & Health Insurance Company of America, Indianapolis, IN and in New York by Renaissance Life & Health Insurance Company of New York, Binghamton, NY. Both companies ("Renaissance") can be reached at Po Box 1596, Indianapolis, IN, 46206. There is no ownership affiliation between Renaissance and UBA Dental & Vision. For complete coverage details, please refer to the certificate of insurance. Plan cost for the UBA Dental Plan does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this plan.

    United Business Association, Renaissance Life & Health Insurance Company of America and Healthy America are separate legal entities and have sole financial responsibility for their own products.







  • Certificates of Insurance (Limitations & Exclusions)
  • Claim Forms
  • Dental Providers
  • Get a Quote & Apply
UBA Vision Plan


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 expenses due to vision exams, frames, lenses and contacts.




UBA Vision State Availability
AL, AR, AZ, CA, DC, DE, FL, GA, ID, IN, KY, LA, MI, MS, MO, ND, NE, NJ, NM, NV, OH, OK, PA, SC, TN, TX, VA, VT, WV, WI & WY



This Plan includes Group Insurance Only.
  • Plan Cost*

    $14 - Ind   |   $27 - Ind+1   |   $43 - Family

  • Brief Group Insurance Description
    UBA Vision Plan

    UBA VISION PLAN

    Get regular eye exams & take care of your eyes.




    Group Vision Insurance


    Group Vision Insurance

    Well Vision Exam: $10 copay every 12 months

    In-network coverage




    Prescription glasses: $25 copay every 12 months

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




    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.




    Lens enhancements - progressive lenses - every 12 months

    In-network coverage

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




    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.




    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.







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    GROUP VISION INSURANCE UNDERWRITTEN BY:
    Renaissance Life & Health Insurance Company of America

    Renaissance Vision


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo



    THIS IS VISION INSURANCE AND NOT MAJOR MEDICAL INSURANCE.


    Read the group insurance certificates carefully. This is a brief description of Association Group Vision Insurance and is not an insurance contract, nor part of the insurance policy and is subject to the terms, conditions, limitations, and exclusions of the policy. Coverage may vary or may not be available in all states. You'll find complete coverage details in the policy certificate. Insurance benefits are underwritten by Renaissance Life & Health Insurance Company of America, Indianapolis, IN and in New York by Renaissance Life & Health Insurance Company of New York, Binghamton, NY. Both companies ("Renaissance") can be reached at Po Box 1596, Indianapolis, IN, 46206. There is no ownership affiliation between Renaissance and UBA Dental & Vision. For complete coverage details, please refer to the certificate of insurance. Plan cost for the UBA Vision Plan does not include the $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this plan.

    United Business Association, Renaissance Life & Health Insurance Company of America and Healthy America are separate legal entities and have sole financial responsibility for their own products.







  • Certificates of Insurance (Limitations & Exclusions)
  • Claim Forms



    Note: If using a VSP provider, claim form is not needed.


  • Vision Providers
  • Get a Quote & Apply


Contact UBA to Improve Your Insurance Coverage

The supplemental coverage level you choose will depend on your required level of care. Using our innovative products and plans, UBA offers membership benefits, supplemental resources, and monetary security you, your loved ones, and your employees can enjoy. Contact UBA today for more information.






*As outlined in the Plan Cost section of each plan, the plan cost for UBA Plans do not include the $10 monthly UBA Membership dues. You must be a member of the United Business Association in order to purchase a plan that includes group insurance. Plan cost break-downs are located in the disclaimer section of each plan description tab as well as the UBA Benefit Boost tabs on each plan where it is available as part of the UBA Gap Plan. The $10 UBA Membership monthly membership dues do not apply to stand-alone Benefit Boost Plan or STM Plan (C&F). All plan costs are charged every month through the following methods: Credit Card (VISA, MasterCard or AMEX) or Bank Draft (EFT) until cancellation. Services and plan costs are subject to change.