MAX YOUR BENEFITS.
Expect the unexpected and be prepared.
GROUP ACCIDENT INSURANCE
CRITICAL ILLNESS INSURANCE BENEFIT*
DAILY HOSPITAL CONFINEMENT BENEFIT
DAILY EMERGENCY ROOM VISIT BENEFIT
GROUP TERM LIFE INSURANCE**
Group Accident Insurance and Group Hospital Fixed Indemnity Insurance are underwritten by United States Fire Insurance Company.
*Critical Illness Insurance Benefit is either underwritten by United States Fire Insurance Company or Windsor Life Insurance Company depending on the state. Please check your state specific brochure and Certificate of Insurance and/or Certificate Riders. Coverage may vary based on insurance carrier.
**Group Term Life Insurance is underwritten by Investors Heritage Life Insurance Company & not available in all states.
NOTE: This is for Gap Max Plans purchased ON OR AFTER 09.12.19.
If you purchased Gap Max Plans PRIOR TO 09.12.19, CLICK HERE.
The Gap Max Plan is valuable coverage for families, people who tend to be accident prone or with a family history of cancer, heart-attack, stroke or those that just want that extra layer of protection for some of their out-of-pocket costs due to an accident, being diagnosed with a Critical Illness or for emergency room & urgent care visits.
Gap Max Plan is designed to help supplement your comprehensive health insurance plan for additional protection.
GROUP ACCIDENT INSURANCE$10,000 Group Accident Medical Expense Insurance Annual Maximum Benefit - $100 Deductible per Accident
GROUP ACCIDENT INSURANCE$5,000 Group Accidental Death & Dismemberment Insurance Maximum Principal Sum
GROUP HOSPITAL FIXED INDEMNITY INSURANCE$500 Daily Hospital Confinement Benefit
Days 1-3 for hospital confinement in a policy period
GROUP HOSPITAL FIXED INDEMNITY INSURANCE$500 per day Daily Emergency Room Visits Benefit for Accident & Sickness
Max 10 days per policy period for Accident & Sickness
Includes In-hospital & Free-standing Emergency Rooms & Urgent Care Centers
CRITICAL ILLNESS INSURANCE BENEFIT$25,000 Critical Illness Benefit Maximum Lifetime Benefit Amount
Maximum Lifetime Benefit Amount is $2,500 if first diagnosis of 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 Eligible Spouse only. Critical Illness Insurance Benefit is either underwritten by United States Fire Insurance Company as a Rider to the Group Hospital Fixed Indemnity Insurance or Windsor Life Insurance Company as Group Critical Illness Insurance depending on state. Please check brochure for your state specific brochure and Certificates of Insurance and/or Certificate Riders.
GROUP TERM LIFE INSURANCE$10,000 Group Term Life Insurance Maximum Lifetime Benefit Amount
Group Term Life Insurance coverage is not available in all states, benefit ends at age 65 and is for Covered Member and Eligible spouse only.
- Non-Insurance Additional Services like:
- $0.00 Cost* Telehealth with MeMD® for Urgent Visits & Behavioral Health
- Wholesale pharmacy costs with MailMyPrescriptions.com®
- Free Multi-Vitamins
- Retail Prescription Discount Card
- Pet RX Discount Card
*With your Membership plan, the cost of all urgent care or behavioral health visits are paid by Healthy America and not you.
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.
Read the brochure and 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. Depending on state, the Critical Illness Benefit is either underwritten by United States Fire Insurance Company or 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. Plan cost does include Association information, awareness benefits, consumer savings, insurance premium, marketing, and administrative cost. You must be a member of the United Business Association in order to purchase this plan.