STRENGTHENING SMALL BUSINESSES THROUGH BENEFITS,
DISCOUNTS AND OPTIONAL GROUP INSURANCE PROGRAMS.

The United Business Association (UBA) is a nationwide organization comprised of small businesses and employees. Through our membership, vast networking capabilities, and enhanced purchasing power, we can disseminate essential knowledge and acquire benefits and discounts which may not be otherwise available or accessible on an individual basis. By operating in the knowledge that We are Better Together, our organization can secure optional association group insurance programs and business lifestyle benefits, foster advantageous shared business knowledge, and grow more opportunities for our members to network successfully. Becoming a member of UBA means better availability for the programs you truly need. Since 2003, insurance companies have joined our efforts to do more for our members, issuing optional group limited benefit insurance policies to UBA as the master policyholder and aiding our members when they need it the most.

Some non-insurance services that members can enjoy are: 24-Hr Nurse Helpline, Lab Discounts, VSP Individual Savings Pass, Gateway Medicard, 24-Hr Emergency Roadside Assistance, Graduate Scholarship Program, TravNow, ADP Payroll Processing, Office Supplies & Furniture Discounts with Office Depot / Office Max, HP Computer & Equipment Discounts, and more. Call Us for more information or to join United Business Association.

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The Benefit Boost Subscription offers valuable non-insurance services for members looking for a strategy to boost their overall health. The Benefit Boost membership subscription offers valued services for those looking to seek immediate medical visits or talk therapy when you are sick or feeling down. This highly regarded service offers FREE^* and unlimited telehealth visits with MeMD^® to our Benefit Boost members (visits are paid by HealthyAmerica and not by you). Members can easily access MeMD^® from their smartphone, iPad, Android tablet or computer using the app or a link. The set-up takes less than 5 minutes and once members use it, they often use it again because of the quick response time and because it works so well! Benefit Boost services also include a Retail Prescription and Pet Prescription Discount ID card from ParamountRX for those looking to save on prescription medications. With this ID card, you can look up your prescription medication with ParamountRX's web tool that creates a list of participating pharmacies in your area along with the cost of the drug (with the applicable discount). For members opting for a healthy lifestyle, members enjoy Free gummy multi-vitamins that they can order from the Member Portal, on our website under the Members link or by emailing us. Each bottle contains 180 vitamins which equates to a 3-month supply. A new addition to Benefit Boost is to provide our members savings on dental services with discounts using the Aetna Dental Access^® Network. Members receive discount savings on dental cleanings, fillings, x-rays, root canals and crowns. Our last Benefit Boost service helps with protection against identity theft with discounts with LifeLock^®. Call Us for more information or to enroll in the non-insurance Benefit Boost Subscription either as a stand-alone product or included as a part of some UBA Gap Products.

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^{*Visits are paid by Healthy America and not by you.}

The Virtual PCP Solution Subscription with MeMD^® offers valuable non-insurance services to help members save money on routine healthcare costs. Members can enjoy virtual primary care benefits all year for about the cost of one routine in-person visit along with virtual urgent care visits & talk therapy, lab work & imaging, ongoing chronic care management, and continuity of care. Also included with the Virtual PCP Solution with MeMD is a prescription discount card to help save with retail prescription discounts through Paramount RX. With this ID card, you can look up your prescription medication with ParamountRX's web tool that creates a list of participating pharmacies in your area along with the cost of the drug (with the applicable discount). Call Us for more information or to enroll in the non-insurance Virtual PCP Solution with MeMD as a stand-alone monthly subscription membership.

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Accidents happen. Are you prepared? Do you have high deductible comprehensive ACA or group health insurance, short term medical insurance, or a faith-based plan? Does your comprehensive health insurance plan include coinsurance (Coinsurance is the amount, generally expressed as a fixed percentage, an insured must pay against a claim after the deductible is satisfied) and other out-of-pocket expenses like out-of-network costs? If so, Accident Insurance might be the right fit to help with your out-of-pocket accident/injury related medical expenses. The best part is that you can keep your UBA Gap Product that includes Group Accident Insurance or Blanket Group Accident Insurance as long as you are a member of UBA up to the age limits of the group insurance no matter which comprehensive health insurance plans you switch to each year. UBA offers products with benefits of $5,000, $10,000 or $25,000 for Group Accident Medical Expense Insurance or Blanket Group Accident Medical Expense Insurance. Also included as part of the Group Accident Insurance or Blanket Group Accident Insurance is Group Accidental Death & Dismemberment Insurance with benefits of either $2,500 or $5,000 depending on the product. For full details, limitations, terms & exclusions review product Certificate(s) of Insurance or Group Policy. Call Us for more information or to add an optional supplemental product to your UBA Membership that includes Accident Insurance.

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AH-3458 | HASA-BAM-1000 | AAD101.10-19

Group Accident Insurance is underwritten by United States Fire Insurance. Group Accident Only Insurance is underwritten by Guarantee Trust Life Insurance Company. Blanket Group Accident Insurance is underwritten by Sirius America Insurance Company. This benefit cannot be purchased on a stand-alone basis. This Group Hospital Fixed Indemnity or Group Hospital Indemnity Insurance is available in one or more of the UBA Gap Products. Select View Product Options to learn which UBA Gap Product includes this Group Hospital Fixed Indemnity or Group Hospital Indemnity Benefit.

Get in the fight with Critical Illness Insurance. Do you have high deductible comprehensive ACA or group health insurance, short term medical insurance, or a faith-based plan? Does your comprehensive health insurance plan include coinsurance (Coinsurance is the amount, generally expressed as a fixed percentage, an insured must pay against a claim after the deductible is satisfied) and other out-of-pocket expenses like out-of-network costs? If so, Critical Illness Insurance might be the right fit to help pay for deductibles, coinsurance, out-of-network costs so that you can see any provider you wish, or help pay for everyday expenses like travel to and from cancer centers, hotel rooms, and day-to-day expenses while you are seeking treatment and trying to get better from the first diagnosis of a Covered Critical Illness (Invasive Cancer, Heart Attack or Stroke). Critical Illness claims are paid to the member as a lump sum payment with maximum benefits available of $5,000, $10,000 or $25,000 depending on the product (after first year from effective date). The best part is that you can keep your UBA Gap Product that includes Critical Illness coverage as long as you are a member of UBA up to the age limits of the group insurance no matter which comprehensive health insurance plans you switch to each year. For full details, definitions of covered critical illnesses, limitations & exclusions review product Certificate(s) of Insurance. Call Us for more information or to add optional supplemental products to your UBA Membership that includes Critical Illness Insurance.

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AH-3458 | HASA-1000

Group Critical Illness Insurance is either underwritten by Windsor Life Insurance Company or Sirius America Insurance Company. Critical Illness Insurance Benefit Rider as part of the Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company. This benefit cannot be purchased on a stand-alone basis. This Group Hospital Fixed Indemnity or Group Hospital Indemnity Insurance is available in one or more of the UBA Gap Products. Select View Product Options to learn which UBA Gap Product includes this Group Hospital Fixed Indemnity or Group Hospital Indemnity Benefit.

What happens if you are admitted to the Hospital? Do you have high deductible comprehensive ACA or group health insurance, short term medical insurance, or a faith-based plan? Does your comprehensive health insurance plan include coinsurance (Coinsurance is the amount, generally expressed as a fixed percentage, an insured must pay against a claim after the deductible is satisfied) and other out-of-pocket expenses like out-of-network costs? If so, Group Hospital Fixed Indemnity Insurance that includes Daily Hospital Confinement Benefit might be the right fit to help pay for deductibles, coinsurance, out-of-network costs for the first 3 days when you are admitted to a Hospital. The best part is that you can keep your UBA Gap Product that includes Daily Hospital Confinement as long as you are a member of UBA up to the age limits of the group insurance no matter which comprehensive health insurance plans you switch to each year. For full details, definitions, limitations & exclusions review product Certificate(s) of Insurance. Call Us for more information or to add an optional supplemental product to your UBA Membership that includes Daily Hospital Confinement Benefit.

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AH-3458

Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company. This benefit cannot be purchased on a stand-alone basis. This Group Hospital Fixed Indemnity or Group Hospital Indemnity Insurance is available in one or more of the UBA Gap Products. Select View Product Options to learn which UBA Gap Product includes this Group Hospital Fixed Indemnity or Group Hospital Indemnity Benefit.

Are you prepared for unexpected medical emergencies? Do you have high deductible comprehensive ACA or group health insurance, short term medical insurance, or a faith-based plan? Does your comprehensive health insurance plan include coinsurance (Coinsurance is the amount, generally expressed as a fixed percentage, an insured must pay against a claim after the deductible is satisfied) and other out-of-pocket expenses like out-of-network costs? If so, Group Hospital Fixed Indemnity Insurance or Group Hospital Indemnity Insurance that includes an Emergency Room Visit Benefit might be the right fit to help pay for deductibles, coinsurance, out-of-network costs for emergency medical visits either for accident or sickness in an emergency room. The best part is that you can keep your UBA Gap Product that includes Emergency Room Visits as long as you are a member of UBA up to the age limits of the group insurance no matter which comprehensive health insurance plans you switch to each year. For full details, definitions, limitations & exclusions review product Certificate(s) of Insurance. Call Us for more information or to add an optional supplemental product to your UBA Membership that includes Emergency Room Visit Benefit.

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AH-3458 | HASA-HI-1000

Group Hospital Fixed Indemnity Insurance Emergency Room Visit Benefit is underwritten by United States Fire Insurance Company. Group Hospital Indemnity Insurance Emergency Room Visit Benefit is underwritten by Sirius America Insurance Company. This benefit cannot be purchased on a stand-alone basis. This Group Hospital Fixed Indemnity or Group Hospital Indemnity Insurance is available in one or more of the UBA Gap Products. Select View Product Options to learn which UBA Gap Product includes this Group Hospital Fixed Indemnity or Group Hospital Indemnity Benefit.

Get the help you need when you are sick, or you want to stay healthy with wellness visits. Do you have high deductible comprehensive ACA or group health insurance, short term medical insurance, or a faith-based plan? Does your comprehensive health insurance plan include coinsurance (Coinsurance is the amount, generally expressed as a fixed percentage, an insured must pay against a claim after the deductible is satisfied) and other out-of-pocket expenses like out-of-network costs and no doctor copay option in your plan? If so, Group Hospital Fixed Indemnity Insurance or Group Hospital Indemnity Insurance that includes Outpatient Physician Office Visit Benefit might be the right fit to help pay for deductibles, coinsurance, out-of-network costs for doctor visits. The best part is that you can keep your UBA Gap Product that includes Outpatient Physician Office Visits as long as you are a member of UBA up to the age limits of the group insurance no matter which comprehensive health insurance plans you switch to each year. For full details, state availability, limitations & exclusions review product Certificate(s) of Insurance. Call Us for more information or to add an optional supplemental product to your UBA Membership that includes Outpatient Physician Office Visit Benefit.

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AH-3458 | HASA-HA-1000

Group Hospital Fixed Indemnity Insurance Outpatient Physician Office Visit Benefit is underwritten by United States Fire Insurance Company. Group Hospital Indemnity Insurance Physician Office Visit is underwritten by Sirius America Insurance Company. This benefit cannot be purchased on a stand-alone basis. This Group Hospital Fixed Indemnity or Group Hospital Indemnity Insurance is available in one or more of the UBA Gap Products. Select View Product Options to learn which UBA Gap Product includes this Group Hospital Fixed Indemnity or Group Hospital Indemnity Benefit.

Get on the path to wellbeing with lab & x-ray coverage. Do you have high deductible comprehensive ACA or group health insurance, short term medical insurance, or a faith-based plan? Does your comprehensive health insurance plan include coinsurance (Coinsurance is the amount, generally expressed as a fixed percentage, an insured must pay against a claim after the deductible is satisfied) and other out-of-pocket expenses like out-of-network costs? If so, Group Hospital Fixed Indemnity Insurance that includes Outpatient Laboratory Test and Outpatient Diagnostic Radiology and X-Ray Benefit might be the right fit to help pay for deductibles, coinsurance, out-of-network costs for outpatient labs and radiology visits. The best part is that you can keep your UBA Gap Product that includes Outpatient Labs & Radiology / X-Rays as long as you are a member of UBA up to the age limits of the group insurance no matter which comprehensive health insurance plans you switch to each year. For full details, state availability, limitations & exclusions review product Certificate(s) of Insurance. Call Us for more information or to add an optional supplemental product to your UBA Membership that includes Outpatient Labs, Diagnostic Radiology & X-ray Benefit.

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AH-3458

Group Hospital Fixed Indemnity Insurance Outpatient Labs & Diagnostic Radiology / X-ray Benefit is underwritten by United States Fire Insurance Company. This benefit cannot be purchased on a stand-alone basis. This Group Hospital Fixed Indemnity Insurance is available in one or more of the UBA Gap Products. Select View Product Options to learn which UBA Gap Product includes this Group Hospital Fixed Indemnity Insurance Benefit.

Protect your loved ones with Term Life. After the year we had in 2020, life seems so precious. We have thought about mortality more in 2020 than probably in recent years. Do you have a plan that can help protect your loved ones when you are no longer with them? If so, Term Life Insurance might be the right fit to help pay for some or all funeral expenses, obituaries, medical bills, and more...just to name a few items beneficiaries might use the money on. Term Life claims are paid to the designated beneficiary as a lump sum payment. The best part is that you can keep your UBA Gap Product that includes Term Life coverage as long as you are a member of UBA up to the age limits of the group insurance no matter which comprehensive health insurance plans you switch to each year. For full details, definitions, age limits, eligibility, limitations & exclusions review the Certificate(s) of Insurance. Group Term Life is not available in all states. Call Us for more information or to add an optional supplemental product to your UBA Membership that includes Term Life Insurance.

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Group Term Life Insurance is underwritten by Investors Heritage Life Insurance Company. This group insurance cannot be purchased on a stand-alone basis. This Group Term Life Insurance is available in one or more of the UBA Gap Products and only in available states. Select View Product Options to learn which UBA Gap Products include Group Term Life Insurance.

A smile can brighten everyone's day! Saving on your dental services will really make you smile! Do you want to get protection for you and your family to help with preventive / diagnostic, basic and major dental services? If so, Dental Insurance might be the right fit to help pay for dental expenses like cleanings, x-rays, fillings, root canals, crowns and more. With a robust provider network, our UBA Dental Plan offers savings in-network but also includes out-of-network coverage. Everyone deserves a beautiful smile to share with the world. The best part is that you can keep your UBA Gap Plan that includes Dental coverage as long as you are a member of UBA up to the age limits of the group insurance no matter which comprehensive health insurance plans you switch to each year. For full details, definitions, limitations, & exclusions review the Certificate(s) of Insurance. Call Us for more information or to add an optional supplemental plan to your UBA Membership that includes Dental Insurance.

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Group Dental Insurance is underwritten by Renaissance Life & Health Insurance Company of America. This group insurance cannot be purchased on a stand-alone basis. This Group Dental Insurance is available in one or more of the UBA Gap Products and only in available states. Select View Product Options to learn which UBA Gap Products include Group Dental Insurance.

Saving on your vision services will really make your eyes light up! Do you want to get protection for you and your family to help with vision coverage? If so, Vision Insurance might be the right fit to help pay for vision expenses both in-network and out-of-network like well vision exams, prescription glasses, lenses, contacts and more. Access more savings by visiting an in-network provider with a robust nationwide network. Get regular eye exams to make sure you continue to see the beautiful world around you. The best part is that you can keep your UBA Gap Product that includes Vision coverage as long as you are a member of UBA up to the age limits of the group insurance no matter which comprehensive health insurance plans you switch to each year. For full details, limitations, & exclusions review the Certificate(s) of Insurance. Call Us for more information or to add an optional supplemental product to your UBA Membership that includes Vision Insurance.

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Group Vision Insurance is underwritten by Renaissance Life & Health Insurance Company of America. This group insurance cannot be purchased on a stand-alone basis. This Group Vision Insurance is available in one or more of the UBA Gap Products and only in available states. Select View Product Options to learn which UBA Gap Products include Group Vision Insurance.