UBA'S OPTIONAL SUPPLEMENTAL INSURANCE CATEGORY INCLUDES
GROUP INSURANCE LIKE ACCIDENT AND CRITICAL ILLNESS.





ABOUT UBA's
OPTIONAL SUPPLEMENTAL INSURANCE CATEGORY.

As a member and part of the United Business Association group, you have access to enhance your membership and add a plan that includes supplemental group insurance like accident, critical illness or term life that have been issued to the United Business Association. UBA's Optional Supplemental Insurance Category includes group and blanket group insurance from SiriusPoint America Insurance Company and Guarantee Trust Life Insurance Company. View more about UBA's optional Supplemental Health Insurance plans: COMPLEMENT CARE underwritten by SiriusPoint America Insurance Company, UBA ACCIDENT underwritten by SiriusPoint America Insurance Company, GAP 5000 underwritten by SiriusPoint America Insurance Company, GAP 10000 underwritten by SiriusPoint America Insurance Company, GAP 25000 underwritten by SiriusPoint America Insurance Company, and GAP TERM underwritten by Guarantee Trust Life Insurance Company. (Select the name or scroll below.)



Plan details below are for plan purchased on or after 06/01/23. If you purchased a plan listed below prior to 06/01/23, please log in to your member portal for your membership details as the plan details listed below may be different from the plan you purchased. All membership plan descriptions below are based on a broad overview of the majority of state's coverage available in the plan. Some coverage amounts or coverage availability may vary by state. Always review the state specific Certificate of Insurance for each plan to determine coverage benefits, availability, terms, conditions, limitations & exclusions. If there are any discrepancies between the descriptions below and the Certificate, the Certificate will govern. As an agent, make sure that you are representing the correct coverage everytime by using the Certificate of insurance for the state in which you are marketing to ensure that you are describing the correct coverage amounts and availability for the applicant's state.


Complement Care Product


COMPLEMENT CARE

TAKE CARE OF YOURSELF.

Complement traditional health insurance
with ER & Dr visits.

Complement your UBA Membership with Complement Care underwritten by SiriusPoint America Insurance Company, which offers valuable coverage for those that want that extra layer of protection for some out-of-pocket costs for physician office visits, urgent care center visits, or emergency room visits. Complement Care helps you get the care you need when you need it. Take care of yourself and complement your traditional health insurance. Complement Care is designed to help supplement your comprehensive health insurance plan for additional protection. This optional supplemental UBA Gap Membership plan helps to enhance and add more value to your membership in the United Business Association.





State Availability
Underwritten by SiriusPoint America Insurance Company
AL, AR, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KY, LA, MI, MO, MS, MT,
NC, ND, NE, NV, OH, OK, RI, SC, TN, TX, VA, WI, WV, & WY


This Optional Membership Plan
includes Group Insurance to enhance membership
Requires Membership in United Business Association.
  • Membership Plan Cost*

    $35 - Ind   |   $70 - Ind+1   |   $120 - Family

    *The membership plan cost for the optional supplemental Complement Care plan does 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.

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


    COMPLEMENT CARE

    Complement traditional health insurance
    with ER & Dr visits.




    Group Hospital Indemnity Insurance - Doc & Urgent Care Visits


    Group Hospital Indemnity Insurance

    Physician Visit and Urgent Care Visit Benefit

    $125 per visit up to 4 visits per Covered Person per Coverage Year.

    A daily benefit will be paid for each visit made by a Covered Person to a Physician's Office or a licensed Urgent Care Facility to receive care or treatment of a Sickness, an Accident or an Injury.

    Member and Dependent coverage ends when the Member is age 65.

    Group Hospital Indemnity Insurance is underwritten by SiriusPoint America Insurance Company.






    Group Hospital Indemnity Insurance - ER visits


    Group Hospital Indemnity Insurance

    Emergency Room Visit Benefit

    $500 per visit up to 2 visits per Covered Person per Coverage Year.

    A daily benefit will be paid for a Physician's treatment of a Covered Person during an Emergency Room visit during which Emergency Care is provided for Sickness, Accident or Injury.

    Member and Dependent coverage ends when the Member is age 65.

    Group Hospital Indemnity Insurance is underwritten by SiriusPoint America Insurance Company.






    Group Hospital Indemnity Insurance

    Pre-existing Condition Limitation

    The Policy will not cover any loss due to a Pre-existing Condition if the loss begins within 12 months after the Covered Person's effective date of insurance. However, the Policy may pay benefits for a loss due to a Pre-existing Condition of a Covered Person who was covered:

    1. by a Replaced Policy; and
    2. by the Policy, issued by Us to the Policyholder on the Policy Effective Date, and this Certificate.

    The claim will be reviewed. If the Pre-Existing Condition Limitation in the Certificate does not apply, the benefits provided by the Policy and the Certificate will be paid.

    If the Covered Person does not satisfy this Certificate's Pre-existing Condition Limitation, but can satisfy the Replaced Policy's pre-existing condition limitation giving credit for all time insured under both policies; then the benefit payable will be the lesser of:

    1. the benefits provided by the Policy and the Certificate without applying the Pre-existing Condition Exclusion; or
    2. the benefits provided by the Replaced Policy.

    If the Covered Person does not satisfy the Certificate's Pre-existing Condition Limitation or that of the Replaced Policy, no Benefit will be paid.



    CO and MT Pre-existing Condition Limitation differs from what is listed above. Please view the state Certificate in the Certificate of Insurance (Limitations & Exclusions) tab to view those state's Pre-existing Condition Limitation.



    Definition of Pre-existing Condition:

    Pre-existing condition means a condition for which a Physician has treated or for which a Physician has advised treatment of the Covered Person within 12 months before the Covered person's effective date of insurance.

    In AL, AR, AZ, DC, DE, GA, IL, IN, KY, LA, MS, NE, OH, OK, RI, SC, TN, VA, WI & WV the definition adds the following to the definition above: It is also one which would cause a person to seek diagnosis or care within the same 12-month period.

    CO, MO, MT, NV & WY all have a different definition than above based on the the Certificate of Insurance. View the Certificate in the Certificates of Insurance (Limitations & Exclusions) tab to view those state definitions of Pre-existing Condition.

    Group Hospital Indemnity Insurance is underwritten by SiriusPoint America Insurance Company.






    Group Hospital Indemnity Insurance

    Coverage Year:

    Means a period beginning on the Primary Covered Person's Certificate Effective Date and ending 12 months after that date. Successive Coverage Years will begin after the first Coverage Year, each extending for 12-Month periods, provided that the Primary Covered Person does not terminate His coverage within the same Coverage Year. If the Primary Covered Person terminates His coverage during a Coverage Year and re-enrolls for coverage under a new certificate within the same Coverage Year, all benefits, benefit limits and benefit maximums will be those that applied to Him under the previously terminated certificate. In this case, a new Coverage Year will begin for the Primary Covered Person after He has been insured under the new certificate of a period of 12 months.

    Group Hospital Indemnity Insurance is underwritten by SiriusPoint America Insurance Company.







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    GROUP HOSPITAL INDEMNITY INSURANCE

    UNDERWRITTEN BY:
    SiriusPoint America Insurance Company

    SiriusPoint America Insurance Company Logo





    BILLING*, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo

    *Billing is administered through the Third Party Administrator
    of H A Partners, Inc. or HealthyAmerica (depending on state).




    THE INSURANCE PORTIONS OF THIS MEMBERSHIP PLAN PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. COVERAGE IS PROVIDED UNDER GROUP HOSPITAL INDEMNITY INSURANCE ONLY POLICIES.


    The following monthly insurance rates apply to coverage underwritten by SiriusPoint America Insurance Company1. Your overall total association membership dues for the optional supplemental Complement Care plan also include these monthly insurance rates:

    1Group Hospital Indemnity Insurance:
    $10.85 (Member), $23.44 (Member+1), $36.73 (Family)


    Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance membership plans 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 Hospital Indemnity Insurance Policy is underwritten by SiriusPoint 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. Member and Dependent Coverage ends when the Member is age 65. Coverage will be provided for the benefits and services shown in the Schedule of Benefits that are required for the Medically Necessary treatment of a Covered Person's Injury or Sickness while insurance under the Policy is in force, subject to all applicable terms, conditions, provisions and exclusions. Hospital Indemnity Benefits will be paid until any applicable Daily Benefit Amount or other benefit limit shown in the Schedule of Benefits has been reached; until the total of a Covered Benefit or Service equals any applicable Maximum Number of Daily Benefits, Lump Sum Benefit Amount, Maximum Number of Payments or Coverage Year Maximum shown in the Schedule of Benefits. Coverage for Group Hospital Indemnity Insurance is for member and eligible spouse between the ages of 18-64, and their enrolled dependent children. Benefit for Group Hospital Indemnity Insurance ends at age 65. Membership plan cost for Complement Care 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, SiriusPoint America Insurance Company, and HealthyAmerica are separate legal entities and have sole financial responsibility for their own products.

    If there are any discrepancies between this description and the Certificate, the Certificate will govern.

    HASA-HI-1000







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


UBA ACCIDENT

HELPING YOU RECOVER

Out-of-pocket medical expenses
when accidents occur.

UBA Accident is supplemental insurance for accidents which can help be an extra layer of protection for some out-of-pocket medical costs (subject to policy & certificate of insurance terms, conditions, limitations & exclusions). UBA Accident, underwritten by SiriusPoint America Insurance Company, is designed to help supplement your comprehensive health insurance plan for additional protection. This optional supplemental UBA Gap Membership plan helps to enhance and add more value to your membership in the United Business Association.





State Availability
Underwritten by SiriusPoint America Insurance Company
AL, AR, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NV, OH, OK, RI, TN, TX, VA, WI, WV & WY


This Optional Supplemental Plan
includes Group Insurance to enhance membership
Requires Membership in United Business Association.
  • Membership Plan Cost*

    $20 - Ind   |   $30 - Ind+1   |   $50 - Family

    *The membership plan cost for the optional supplemental UBA Accident plan does 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.

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


    UBA ACCIDENT

    Helping you recover
    out-of-pocket medical expenses
    when accidents occur.




    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 SiriusPoint America Insurance Company.







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    BLANKET GROUP ACCIDENT INSURANCE
    UNDERWRITTEN BY:
    SiriusPoint America Insurance Company

    SiriusPoint America Insurance Company Logo


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo

    *Billing is administered through the Third Party Administrator
    of H A Partners, Inc. or HealthyAmerica (depending on state).




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


    The following monthly insurance rates apply to coverage underwritten by SiriusPoint America Insurance Company1. Your overall total association membership dues for the optional supplemental UBA Accident plan also include these monthly insurance rates:

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

    Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance membership plans 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 Group Accident Insurance is underwritten by SiriusPoint 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. Membership plan cost for UBA Accident does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this membership plan.

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

    HASA-BAM-1000







  • Certificates of Insurance (Limitations & Exclusions)
  • Claim Forms
  • Get a Quote & Apply
Gap 5000 Plan


GAP 5000

DON'T BREAK THE BANK.

Gap to help offset
out-of-pocket medical expenses.

Along with the long-established services available with your UBA Membership, Gap 5000, underwritten by SiriusPoint America Insurance Company, offers an extra layer of protection to offset some out-of-pocket medical costs due to an accident or being diagnosed with a critical illness for the first time (subject to policy & certificate of insurance terms, conditions, limitations & exclusions). This supplemental plan is perfect for those that are accident prone or who have a family history of heart attack, cancer or stroke. Gap 5000 is designed to help supplement your comprehensive health insurance plan for additional protection. This optional supplemental UBA Gap Membership plan helps to enhance and add more value to your membership in the United Business Association.





State Availability
Underwritten by SiriusPoint America Insurance Company
AL, AR, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NV, OH, OK, RI, TN, TX, VA, WI, WV & WY



This Optional Supplemental Plan
includes Group Insurance to enhance membership
Requires Membership in United Business Association.
  • Membership Plan Cost*

    $15 - Ind   |   $20 - Ind+1   |   $30 - Family

    *The membership plan cost for the optional supplemental Gap 5000 plan does 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.

  • Brief Group Insurance Description
    Gap 5000 Plan
    All descriptions below are based on a broad overview of the majority of state's coverage available in the plan. Some coverage amounts or coverage availability may vary by state. Always review the state specific Certificate of Insurance for each plan to determine coverage benefits, availability, terms, conditions, limitations & exclusions. If there are any discrepancies between the descriptions below and the Certificate, the Certificate will govern.


    GAP 5000

    Gap to help offset
    out-of-pocket medical 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 SiriusPoint 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 SiriusPoint America Insurance Company.







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

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

    SiriusPoint America Insurance Company Logo


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo

    *Billing is administered through the Third Party Administrator
    of H A Partners, Inc. or HealthyAmerica (depending on state).




    THE INSURANCE PORTIONS OF THIS MEMBERSHIP 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 SiriusPoint America Insurance Company1. Your overall total association membership dues for the optional supplemental Gap 5000 plan also include these monthly insurance rates:

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

    1Group Critical Illness Insurance:
    $3.26 (Individual) & $6.51 (Member+Spouse)


    Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance membership 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 Group Accident Insurance and Group Critical Illness Insurance are underwritten by SiriusPoint 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 (see Schedule of Benefits). Plan cost for Gap 5000 does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this membership plan.

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

    HASA-1000 | HASA-BAM-1000







  • Certificates of Insurance (Limitations & Exclusions)
  • Claim Forms
  • Get a Quote & Apply
Gap 10000 Plan


GAP 10000

GAP TO STRESS LESS.

Protect yourself for some
out-of-pocket medical expenses.

The optional supplemental Gap 10000 plan offers the same valuable coverage to help offset out-of-pocket medical costs due to an accident or first diagnosis of a covered critical ilness (subject to policy & certificate of insurance terms, conditions, limitations & exclusions). Gap 10000, underwritten by SiriusPoint America Insurance Company, is designed to help supplement your comprehensive health insurance plan for additional protection. This optional supplemental UBA Gap Membership plan helps to enhance and add more value to your membership in the United Business Association.




State Availability
Underwritten by SiriusPoint America Insurance Company
AL, AR, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NV, OH, OK, RI, TN, TX, VA, WI, WV & WY


This Optional Supplemental Plan
includes Group Insurance to enhance membership
Requires Membership in United Business Association.
  • Membership Plan Cost*

    $20 - Ind   |   $30 - Ind+1   |   $40 - Family

    *The membership plan cost for the optional supplemental Gap 10000 plan does 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.

  • Brief Group Insurance Description
    Gap 10000 Plan
    All descriptions below are based on a broad overview of the majority of state's coverage available in the plan. Some coverage amounts or coverage availability may vary by state. Always review the state specific Certificate of Insurance for each plan to determine coverage benefits, availability, terms, conditions, limitations & exclusions. If there are any discrepancies between the descriptions below and the Certificate, the Certificate will govern.


    GAP 10000

    Protect yourself for some
    out-of-pocket medical 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 SiriusPoint 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 SiriusPoint America Insurance Company.







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

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

    SiriusPoint America Insurance Company Logo


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo

    *Billing is administered through the Third Party Administrator
    of H A Partners, Inc. or HealthyAmerica (depending on state).




    THE INSURANCE PORTIONS OF THIS MEMBERSHIP 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 SiriusPoint America Insurance Company1. Your overall total association membership dues for the optional supplemental Gap 10000 plan also include these monthly insurance rates:

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

    1Group Critical Illness Insurance:
    $6.18 (Member) & $12.36 (Member+Spouse)


    Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance membership 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 Group Accident Insurance and Group Critical Illness Insurance are underwritten by SiriusPoint 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 (see Schedule of Benefits). Membership plan cost for Gap 10000 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, SiriusPoint America Insurance Company, and HealthyAmerica are separate legal entities and have sole financial responsibility for their own products.

    HASA-1000 | HASA-BAM-1000







  • Certificates of Insurance (Limitations & Exclusions)
  • Claim Forms
  • Get a Quote & Apply
Gap 25000 Plan


GAP 25000

CUT YOUR EXPENSES.

Get the upper hand on
out-of-pocket medical expenses.

With supplemental insurance for accidents and first diagnosis of a covered critical illness, Gap 25000 can help be an extra layer of protection for some out-of-pocket medical costs (subject to policy & certificate of insurance terms, conditions, limitations & exclusions). Gap 25000, underwritten by SiriusPoint America Insurance Company, is designed to help supplement your comprehensive health insurance plan for additional protection. This optional supplemental UBA Gap Membership plan helps to enhance and add more value to your membership in the United Business Association.





State Availability
Underwritten by SiriusPoint America Insurance Company
AL, AR, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NV, OH, OK, RI, TN, TX, VA, WI, WV & WY


This Optional Supplemental Plan
includes Group Insurance to enhance membership
Requires Membership in United Business Association.
  • Membership Plan Cost*

    $30 - Ind   |   $55 - Ind+1   |   $70 - Family

    *The membership plan cost for the optional supplemental Gap 25000 plan does 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.

  • Brief Group Insurance Description
    Gap 25000 Plan
    All descriptions below are based on a broad overview of the majority of state's coverage available in the plan. Some coverage amounts or coverage availability may vary by state. Always review the state specific Certificate of Insurance for each plan to determine coverage benefits, availability, terms, conditions, limitations & exclusions. If there are any discrepancies between the descriptions below and the Certificate, the Certificate will govern.


    GAP 25000

    Get the upper hand on
    out-of-pocket medical 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 SiriusPoint 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 SiriusPoint America Insurance Company.







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

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

    SiriusPoint America Insurance Company Logo


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo

    *Billing is administered through the Third Party Administrator
    of H A Partners, Inc. or HealthyAmerica (depending on state).




    THE INSURANCE PORTIONS OF THIS MEMBERSHIP 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 SiriusPoint America Insurance Company1. Your overall total association membership dues for the optional supplemental Gap 25000 plan also include these monthly insurance rates:

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

    1Group Critical Illness Insurance:
    $15.45 (Member), $30.90 (Member+Spouse)


    Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance membership plans 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 Group Accident Insurance and Group Critical Illness Insurance are underwritten by SiriusPoint 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 (see Schedule of Benefits). Membership plan cost for Gap 25000 does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this membership plan.

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

    HASA-1000 | HASA-BAM-1000







  • Certificates of Insurance (Limitations & Exclusions)
  • Claim Forms
  • Get a Quote & Apply
Gap Term Plan


GAP TERM

PROTECT YOUR LOVED ONES.

Help when you are
no longer with them.

Along with the long-established services available with your UBA Membership, Gap Term offers valuable coverage to help protect your loved ones when you are no longer there. Gap Term can help with some out-of-pocket burial costs, obituary costs, medical bill and more. Gap Term, underwritten by Guarantee Trust Life Insurance Company, is designed to help supplement your comprehensive health insurance plan for additional protection. This optional supplemental UBA Gap Membership plan helps to enhance and add more value to your membership in the United Business Association.





State Availability
Underwritten by Guarantee Trust Life Insurance Company
AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, IL, IN,
KS, KY, LA, MI, MO, MS, ND, NE, OH, OK, PA, RI,
SC, TN, TX, VA, WI, WV & WY


This Optional Supplemental Plan
includes Group Term Life Insurance
& Non-Insurance Benefits Offered to
Members of the United Business Association
Requires Membership in United Business Association.
  • Membership Plan Cost*

    $12 - Ind   |   $20 - Ind+1 or Family

    *The membership plan cost for the optional supplemental Gap Term does 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.

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


    GAP TERM

    Help when you are
    no longer with them.




    Group Term Life Insurance


    Group Term Life Insurance

    $10,000 Death Benefit - Primary Member
    Subject to Waiting Period & Attained Age Benefit Reduction.






    Accidental Death Benefit

    Group Term Life Insurance

    If, within 90 days from the date of an Accident which occurs while coverage is in force, Injury from such Accident results in a loss covered by this benefit. The Death Benefit will be paid in the amount set opposite such loss, as shown in the Schedule of Benefits. If more than one such loss is sustained as the result of one Accident, only one amount will be paid, the largest to which the Covered Person is entitled.






    Group Term Life Insurance Limitations

    Group Term life Insurance with Accidental Death Benefit Coverage Amounts for Primary Member

    AGES 18-64
    Waiting Period (6 Months):
    $10,000 Accidental Death Benefit Only
    Ongoing Coverage (Beyond Waiting Period):
    $10,000 Term Life Benefit

    AGES 65-69
    Waiting Period (6 Months):
    $10,000 Accidental Death Benefit Only
    Ongoing Coverage (Beyond Waiting Period):
    $5,000 Term Life Benefit + $5,000 Accidental Death Benefit

    AGES 70+
    $10,000 Accidental Death Benefit Only



    During the first 6 months that your benefit enrollment is active, waiting period benefits are limited to $10,000 of Accident Death Benefits only. After 6 months of continuous benefit enrollment, benefits are provided based on your attained age as reflected in the benefit tiers shown above.

    Spousal Benefits are 50% of the Primary Member's term life insurance benefit, subject to the waiting period and attained age benefit tiers shown above. Child benefits are 25% of the Primary Member's term life insurance benefit.

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






    Group Term Life Insurance Exclusions

    This Benefit is subject to all terms, conditions and exclusions of the Certificate of Insurance.



    Suicide Exclusion

    If a Covered Person dies as the result of suicide or any attempt at suicide, while sane or insane within two years of his Effective Date of coverage, the insurance company will be liable only for an amount equal to the Premium paid.

    With respect to an increase in the amount of insurance, the insurance company will consider the two year period to begin as of the effective date of such increase.

    The return of such Premium will be in lieu of all other benefits under the Certificate which may have been payable for that Covered Person.






    UBA Membership Services

    Along with the group insurance coverage provided in this Membership Product, the non-insurance UBA Membership Benefits provided by the United Business Association include 24-Hr Nurse Helpline, Lab Discounts, Discount Hearing Service, Safelite AutoGlass Discount, UBA Savings Perks Program and more. For full description of the UBA Membership non-insurance benefits and services, review the sample membership guide.

    Guarantee trust Life Insurance does not offer and is not affiliated with the non-insurance services and discount programs offered in connection with membership in the United Business Association (UBA).







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    GROUP TERM LIFE INSURANCE
    UNDERWRITTEN BY:
    Guarantee Trust Life Insurance Company

    Guarantee Trust Life Insurance Company Logo


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo

    *Billing is administered through the Third Party Administrator
    of H A Partners, Inc. or HealthyAmerica (depending on state).




    THE INSURANCE PORTIONS OF THIS MEMBERSHIP PLAN PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. COVERAGE IS PROVIDED UNDER GROUP TERM LIFE INSURANCE ONLY POLICIES.


    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.

    Group Term Life Insurance is issued on Policy/Certificate Form Series GLMP-3002/GLC-3002 by Guarantee Trust Life Insurance Company (GTL), Glenview, IL. The policy is issued to the United Business Association (UBA) and includes the following: exclusions, limitations, reductions of benefits, and terms of renewal and termination. Subject to state availability, variability, and GTL’s right to increase premium rates.

    Cancellation / Termination of Benefits/Renewability: Coverage terminates when UBA terminates the policy, your membership ceases, insurance ceases for your class, for non-payment of premium by UBA, or the date of fraud or misrepresentation of a material fact. The group policy terminates for non-payment of premium, if group participation requirements are not met or on any premium due date for any of the following reasons: fraud or misrepresentation of a material fact; failure of UBA to provide required information; or at GTL's option with 30 days notice. Notice of termination provided to UBA is considered notice of termination to all members and will not be sent to you individually by GTL. The policy automatically renews each policy anniversary until cancellation/termination.

    GTL does not provide nor is affiliated with the discount programs provided as part of membership in UBA.

    The insurance described above provides limited benefits. Limited benefit policies are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. This insurance 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, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.

    The following monthly insurance rates apply to coverage underwritten by Guarantee Trust Life Insurance Company. Your overall total association membership dues also include these insurance rates for the Group Term Life Insurance: $4.40.

    Guarantee Trust Life Insurance Company does not offer and is not affiliated with the discount programs offered in connection with membership in the United Business Association (UBA). 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.

    If there are any discrepancies between this description and the Certificate and Riders, the Certificate and Riders will govern.

    United Business Association, Guarantee Trust Life Insurance Company, and HealthyAmerica are separate legal entities and have sole financial responsibility for their own products.

    If there are any discrepancies between this description and the Certificate, the Certificate will govern.

    AAD101.15-19







  • Certificates of Insurance (Limitations & Exclusions)
  • Claim Forms
  • Get a Quote & Apply


United Business Association, SiriusPoint America Insurance Company, Guarantee Trust Life Insurance Company, and HealthyAmerica are separate legal entities and have sole financial responsibility for their own products.



AAD101-15.19 | HASA-1000 | HASA-BAM-1000


United Business Association does not require members to enroll or purchase any group or blanket group insurance to become a member of UBA. The optional association group insurance is only available to members of UBA who have the desire to enhance their membership. All group association insurance offered through UBA is supplemental and does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage available is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Membership includes multiple non-insurance services and benefits, including access to insurance products.

Healthy America Insurance Agency Inc. is the exclusive marketer for the United Business Association and Healthy America Association.
Agency CA License 0G32190





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