Learn more about Optional Dental & Vision Insurance.
Master Policies issued to or endorsed by
the United Business Association.
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 dental or vision that have been issued to the United Business Association. UBA's Dental & Vision category includes Group Dental Insurance underwritten by Renaissance Life & Health Insurance Company of America (Renaissance) or Blanket Group Dental Insurance underwritten by First Continental Life & Accident Insurance Company (FCL). Start protecting your oral and vision health today with any one of these Dental or Vision Membership plans offered to members of the United Business Association. To view more about the Dental & Vision plans: UBA Dental underwritten by Renaissance, UBA Vision underwritten by Renaissance, FCL Dental 3000 underwritten by FCL, FCL OraQuest Dental HMO underwritten by FCL, the individual vision insurance VSP Individual Vision Plans, and the non-insurance dental discount plan SML Dental Discount powered by Aetna Dental Access® Network. (Select the name or scroll below.)
UBA Vision, underwritten by Renaissance Life & Health Insurance Company of America offers valuable coverage to help with some vision costs like regular vision check-ups, frames, lenses and contacts (subject to certificate of insurance terms, conditions, limitations & exclusions). 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
Renaissance Life & Health Insurance Company of America
AL, AR, AZ, CA, DC, DE, FL, GA, ID, IN, KY, LA, MI, MS, MO, ND,
NE, NM, NV, OH, OK, PA, SC, TN, TX, VA, VT, WV, WI & WY
$14 - Ind | $27 - Ind+1 | $43 - Family
*The membership plan cost for UBA Vision 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.
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
Contacts (instead of glasses)
In-network coverage
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:
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:
GROUP VISION INSURANCE UNDERWRITTEN BY:
Renaissance Life & Health Insurance Company of America
BILLING*, FULFILLMENT &
CUSTOMER SERVICE PROVIDED BY:
*Billing is administered through the Third Party Administrator
of H A Partners, Inc. or HealthyAmerica (depending on state).
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. Membership plan cost for 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 HealthyAmerica are separate legal entities and have sole financial responsibility for their own products.
VSP Individual Vision Plans can help create the vision plan you'll love at the savings you need. Members can enjoy a comprehensive eye exam every year, a generous frame allowance and savings on lens enhancements like progressives. Plus, you'll have access to the largest independent network of eye doctors for your choosing. This is an individual insurance plan and does not require membership in the United Business Association to enroll. This plan is offered as a way for UBA Members to enhance and add more value to their overall United Business Association membership.
©2022 Vision Service Plan. All rights reserved.
VSP is a registered trademark, and VSP Individual Vision Plans is a trademark of Vision Service Plan.
State Availability
AL, AR, AZ, CA, CO, CT, DE, DC, FL, GA, HI,
ID, IL, IN, IA, KS, KY, LA, MD, ME, MI, MN, MO,
MS, MT, NC, ND, NE, NJ, NM, NV, OH, OK, PA, RI,
SC, SD, TN, TX, UT, VT, VA, WA, WI, WV, & WY
VSP Individual Vision Plan cost varies by state. Get a Quote.
Requires a 1-year insurance contract. Must agree to pay annual plan premium in twelve (12) monthly installments.
Your Coverage with a VSP Network Provider.2
Well Vision® Exam: $15 copay every 12 months
Prescription glasses: $25 copay
(see frames & lenses below) - in-network coverage
Frames: Every 12 months
Included in Prescription Glasses
Lenses: Every 12 months
Included in Prescription Glasses
Lens enhancements: Every 12 months
Contacts (instead of glasses) $0 Copay
Extra Savings
Glasses and Sunglasses:
Routine Retinal Screening:
Laser Vision Correction:
YOUR COVERAGE WITH OUT-OF-NETWORK PROVIDERS
Get the most out of your benefits and greater savings with a VSP network doctor. If you visit an out-of-network provider, you will have higher out-of-pocket expenses.
Note: If you choose to see an out-of-network provider, you will receive less coverage. Payment is expected at the time of service. Following your appointment, submit your itemized claim to Vision Service Plan, Attention: Claim Services, PO Box 385018, Birmingham, AL 35238-5018. Out-of-network coverage is not available in the states of Massachusetts and Washington, and coverage varies in the state of Maryland.
Based on applicable laws, benefits may vary by location. Discounts on products and additional savings are not available in the states of Washington and Vermont.
©2020 Vision Service Plan. All rights reserved.
VSP and WellVision® Exam are registered trademarks, and VSP Individual Vision Plan is a trademark of Vision Service Plan. All other brands or marks are the property of their respective owners.
49378 VCCM
ENDORSED BY:
INDIVIDUAL VISION INSURANCE PROVIDED BY:
BILLING*, FULFILLMENT &
CUSTOMER SERVICE PROVIDED BY:
*Billing is administered through the Third Party Administrator
of H A Partners, Inc. or HealthyAmerica (depending on state).
Read the member benefit summary carefully. This is a brief description of Individual 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 member benefit summary and the VSP Individual Vision Care Policy (available upon request). Insurance benefits are provided by VSP Individual Vision Plans. There is no ownership affiliation between VSP Individual Vision Plans and United Business Association (UBA). As this is an individual insurance plan, you do not need to become a member of the United Business Association in order to purchase this plan.
United Business Association, VSP Individual Vision Plans, and HealthyAmerica are separate legal entities and have sole financial responsibility for their own products.
Smile, your UBA Membership with FCL Dental 3000 offers members Blanket Group Dental Insurance for preventive, basic and major dental services (subject to policy & certificate of insurance terms, conditions, limitations & exclusions). Coverage, underwritten by First Continental Life & Accident Insurance Company, is 100% guaranteed for members of the United Business Association. 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
First Continental Life & Accident Insurance Company
AL, AR, AZ, DC, DE, FL, GA, IA, IN, KS, KY, LA, MO, MS, MT,
ND, NE, OK, TN, TX & WV
$35 - Ind | $70 - Ind+Sp
$80 - Ind+Child(ren) | $100 - Family
*The membership plan cost for FCL Dental 3000 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.
$3,000 Annual Benefit
$25 Copay per person per visit
*Payment for services are based upon allowable charges in the area in which services are rendered. Services provided at a non-contracted provider will most likely incur charges beyond what the contracted provider would charge for the same procedure.
DIAGNOSTIC & PREVENTIVE (CLASS I)
100% - Diagnostic & preventive services
In-network or out-of-network coverage (as defined by the policy).
BASIC DENTAL SERVICES (CLASS II)
80% - Basic dental services
In-network or out-of-network coverage (as defined by the policy).
MAJOR DENTAL SERVICES (CLASS III)
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. Percentage of Covered Benefits in the first year is 0% for Class III Major Services.
Why Use In-Network Providers
DenteMax is a national, dental Preferred Provider Organization (PPO) network. DenteMax's group of quality dentists have agreed to accept a set, discounted fee schedule when they see DenteMax patients. This means you can visit any of our PPO dentists and save on your dental costs.
Maximum Allowable Charge Plan (MAC)
This product is a MAC plan which is a type of PPO plan where you receive greater benefits and less out-of-pocket expense by going to an in-network provider. Services completed by an out-of-network provider will most likely incur beyond what the contracted provider would charge for the same procedure.
ASSOCIATION BENEFITS
PROVIDED BY:
BLANKET GROUP DENTAL INSURANCE
UNDERWRITTEN BY:
First Continental Life & Accident Insurance Company
BILLING*, FULFILLMENT &
CUSTOMER SERVICE PROVIDED BY:
*Billing is administered through the Third Party Administrator
of H A Partners, Inc. or HealthyAmerica (depending on state).
The following monthly insurance rates apply to coverage underwritten by First Continental Life & Accident Insurance Company1. Your overall total association membership dues for the optional supplemental FCL Dental 3000 plan also include these monthly insurance rates:
1Blanket Group Dental Insurance: $23.76 (Individual), $47.72 (Ind+Sp), $53.80 (Ind+Child(ren)), $77.22 (Family).
First Continental Life & Accident Insurance Company (FCL) and DenteMax do not offer and are not affiliated with the additional non-insurance services and discounts programs offered in connection with membership in the United Business Association (UBA).
Read the brochure and the blanket group insurance certificates carefully. This is a brief description of a blanket group association insurance product 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 Dental Insurance 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 of Insurance. Blanket Group Dental Insurance is underwritten by First Continental Life & Accident Insurance Company. This coverage 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. For complete coverage details, please refer to the certificate of insurance. Membership plan cost for FCL Dental 3000 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, First Continental Life & Accident Insurance Company (FCL) and HealthyAmerica are separate legal entities and have sole financial responsibility for their own products.
Simply present the FCL Dental 3000 Member ID card at the time of service. The Provider will send the claim direct to the carrier's claims department (payor) for re-pricing and benefit payments.
The FCL OraQuest Dental HMO plan, underwritten by First Continental Life & Accident Insurance Company offers members Group Dental Insurance for various dental services (subject to policy & certificate of insurance terms, conditions, limitations & exclusions). Coverage is 100% guaranteed for members of the United Business Association. 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
First Continental Life & Accident Insurance Company
TX
$20 - Ind | $35 - Ind+Sp
$40 - Ind+Child(ren) | $50 - Family
*The membership plan cost for the FCL OraQuest Dental HMO 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.
$9 copay per person per vist for all services
All procedures not included in this CPT Listing on the schedule of benefits, the Co-Payment is 75% of the dentist's usual and customary charge.
This plan provides prepaid dental benefits through a network of participating primary and specialty care dentists. Specialty care dentists’ services are covered without prior approval for all Specialists participating in the OraQuest provider network and no referral is necessary. OraQuest Dental Plans are a single service Dental Maintenance Organization licensed by the State of Texas.
SCHEDULE OF BENEFITS
The Schedule of benefits sets forth the procedures which OraQuest is solely responsible for, which OraQuest and Member are each partly responsible for, and those which the Member is wholly responsible for. In no case is Organization responsible for any Member Co-payment or Supplemental Payment under the terms of the agreement. For any Supplemental Payments due Provider which are the responsibility of OraQuest, then OraQuest shall pay the Provider. Member shall pay any Member Co-payments and charges for any excluded procedures, and shall make payment directly to the Provider rendering such services at the time service is rendered. The Schedule of Benefits may be modified by OraQuest upon 30-days notice to Organization.
DENTIST ASSIGNMENT
Upon enrollment, the Member would have selected a network Family Dentist that will be assigned to the Member. In the event the Member is dissatisfied with the designated Family Dentist you can request to transfer to another Family Dentist. Members may not change their Family Dentist more than four (4) times in a 12 month period.
ASSOCIATION BENEFITS
PROVIDED BY:
GROUP DENTAL INSURANCE
UNDERWRITTEN BY:
First Continental Life & Accident Insurance Company
BILLING*, FULFILLMENT &
CUSTOMER SERVICE PROVIDED BY:
*Billing is administered through the Third Party Administrator
of H A Partners, Inc. or HealthyAmerica (depending on state).
The following monthly insurance rates apply to coverage underwritten by First Continental Life & Accident Insurance Company1. Your overall total association membership dues for the optional supplemental FCL OraQuest Dental HMO plan also include these monthly insurance rates:
1Group Dental Insurance: $11.75 (Individual), $21.00 (Ind+Sp), $23.75 (Ind+Child(ren)), $34.00 (Family).
First Continental Life & Accident Insurance Company (FCL) and OraQuest do not offer and are not affiliated with the additional non-insurance services and discounts programs offered in connection with membership in the United Business Association (UBA).
Read the brochure and the blanket group insurance certificates carefully. This is a brief description of a group association insurance product 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 Dental Insurance 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 of Insurance. Blanket Group Dental Insurance is underwritten by First Continental Life & Accident Insurance Company. This coverage 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. For complete coverage details, please refer to the certificate of insurance. Membership plan cost for FCL OraQuest Dental HMO 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, First Continental Life & Accident Insurance Company (FCL) and HealthyAmerica are separate legal entities and have sole financial responsibility for their own products.
There is no need for a claim form with this product. The Schedule of Benefits sets forth the procedures which OraQuest is solely responsible for, which OraQuest and Member are each partly responsible for, and those which the Member is wholly responsible for.
For any Supplemental Payments due Provider which are the responsibility of OraQuest, then OraQuest shall pay the Provider. Member shall pay any Member Co-payments and charges for any excluded procedures, and shall make payment directly to the Provider rendering such services at the time service is rendered. Refusal to make such payments shall subject the Member to the termination provisions of Section 3.5c in the Certificate of Insurance.
Get regular dental check-ups and protection for some dental costs like diagnostic, preventive, basic, or major dental services with UBA Dental underwritten by Renaissance Life & Health Insurance Company of America (subject to certificate of insurance terms, conditions, limitations & exclusions). 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
Renaissance Life & Health Insurance Company of America
AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, IA, KY, LA, MI, MS, MO, ND, NE, NM, NV, OH, OK, PA, SC, TN, TX, VA, WV, WI & WY
Membership plan cost varies by state & area. Get a Quote.
*The membership plan cost for UBA Dental 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.
$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% Coverage - Diagnostic & preventive services
In-network or out-of-network coverage (as defined by the policy).
BASIC SERVICES
70% Coverage - Basic dental services
In-network or out-of-network coverage (as defined by the policy).
MAJOR DENTAL SERVICES
50% Coverage - 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:
GROUP DENTAL INSURANCE UNDERWRITTEN BY:
Renaissance Life & Health Insurance Company of America
BILLING*, FULFILLMENT &
CUSTOMER SERVICE PROVIDED BY:
*Billing is administered through the Third Party Administrator
of H A Partners, Inc. or HealthyAmerica (depending on state).
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. Membership plan cost for UBA Dental 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 HealthyAmerica are separate legal entities and have sole financial responsibility for their own products.
powered by
The SML Dental Discount program, powered by Aetna Dental Access® Network, offers access to savings on dental with discounts on dental services like dental cleanings, x-rays, root canals, crowns and more.
State Availability
All 50 U.S. States Except: AK, CT, IA, MA, RI, UT, VT & WA
and this benefit is not available to residents of Vermont.
$10 for the entire family
*In order for the entire family to be included in membership, they must be listed on the membership enrollment application.
This plan is NOT insurance. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. Discounts on hospital services are not available in Maryland. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. The licensed Discount Plan Organization Coverdell & Company, Inc., at 2850 W. Golf Road, Rolling Meadows, IL 60008, 1-866-215-1376. To view a list of participating providers visit www.findbestbenefits.com and enter promo code 725324. You have the right to cancel this plan within 30 days of the effective date for a full refund of fees paid. Such refunds are issued within 30 days of request.
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.
The discount program provides access to the Aetna Dental Access® network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent representative, or employee of the discount program. Dental providers are independent contractors and not employees of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.
Program not Available in AK, CT, IA, MA, RI, UT, VT & WA and this benefit is not available to residents of Vermont.
Read the brochure carefully. This is a brief description of the of a dental discount program and is not an insurance contract, and is subject to the terms, conditions, limitations, and exclusions. Coverage may vary or may not be available in all states. Coverdell and Company, Inc., a discount plan organization "DPO", administers the SML Dental Discount Program. 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 product cost are subject to change. This Benefit Boost Subscription is included in some of the optional Most Popular plans category.
United Business Association, Renaissance Life & Health Insurance Company of America (Renaissance), VSP, First Continental Life & Accident Insurance Company (FCL), Aetna Dental Access®, and HealthyAmerica are separate legal entities and have sole financial responsibility for their own products.
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.
Agency CA License 0G32190
