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

UNITED BUSINESS ASSOCIATION

OPTIONAL SUPPLEMENTAL
INSURANCE CATEGORY

Learn more about UBA's Optional
Supplemental Insurance Category of Membership Products
issued to the United Business Association.


ABOUT UBA's
OPTIONAL SUPPLEMENTAL INSURANCE CATEGORY.

As a member of United Business Association, you have access to enhance your membership and add a membership product that includes supplemental group insurance like accident, critical illness and more to your membership. UBA's Optional Supplemental Insurance Category includes group and blanket group insurance from United States Fire Insurance Company and Sirius America Insurance Company. Enhance your membership with United Business Association and add one of our Optional Supplemental Insurance Category of Membership Products to your membership. To view more about our optional Supplemental Health Insurance Plans: GAP underwritten by United States Fire Insurance Company, GAP 5000 underwritten by Sirius America Insurance Company, GAP 10000 underwritten by Sirius America Insurance Company, GAP 25000 underwritten by Sirius America Insurance Company, and GAP TERM underwritten by Guarantee Trust Life Insurance Company. (Select the name or scroll below.)



Plan details below are for membership products purchased on or after 02-10-22. If you purchased a plan listed below prior to 02-10-22, 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.


GAP Product


GAP

BRIDGE THE GAP.

Help cover unexpected
out-of-pocket medical expenses.

Similar to Gap 5000, the Gap Plan, underwritten by United States Fire Insurance Company, helps to bridge the gap for some unexpected out-of-pocket medical expenses due to an accident or being diagnosed with a critical illness for the first time up to $5,000 (subject to policy & certificate of insurance terms, conditions, limitations & exclusions). But in addition to coverage for accidents or critial illness, Gap also includes a group hospital fixed indemnity insurance doctor visit benefit, laboratory tsting benefit & x-ray/radiology benefit. Gap is designed to help supplement your comprehensive health insurance plan for additional protection. This optional supplemental UBA Gap Membership Product helps to enhance and add more value to your membership in the United Business Association.





State Availability
Underwritten by United States Fire Insurance Company
AL, AR, AZ, DC, DE, FL, GA, IA, IL, IN, KY, LA, MI, MS,
NC, ND, NE, NM, OH, OK, RI, TN, TX, VA, WI, WV, & WY



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

    $20 - Ind   |   $40 - Ind+1   |   $50 - Family

    *The membership product cost for the optional supplemental Gap Membership Product 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 Plan

    GAP

    Help cover unexpected
    out-of-pocket medical expenses.




    Group Accident Insurance


    Group Accident Insurance

    Group Accident Medical Expense Insurance

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

    $100 Deductible per accident.

    Group Accidental Death & Dismemberment Insurance

    $2,500 Group Accidental Death & Dismemberment Insurance Maximum Principal Sum.

    Group Accident Insurance is underwritten by United States Fire Insurance Company.






    Daily Hospital Confinement Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Daily Hospital Confinement Benefit

    $500 Daily Hospital Confinement Benefit

    Days 1-3 for hospital confinement in a policy period

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.






    Physician Office Visit Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Daily Physician Office Visit Benefit

    $125 per day Daily Physician Office Visit Benefit

    2 visits - Max 1 day per plan year for medically necessary visit and an additional 1 day for other Wellness visit.

    Covered Wellness Services include: A history and physical examination & immunizations as provided by department of health regulation.

    Note: The Wellness Visit for Daily Physician Office Visit Benefit is not available in the state of Michigan.

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.






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


    Group Hospital Fixed Indemnity Insurance

    Daily Outpatient Diagnostic Radiology & X-Ray Benefit

    $75 per day Daily Outpatient Diagnostic Laboratory Tests Benefit

    2 visits - Max 1 day per plan year for medically necessary visit and an additional 1 day for other Wellness visit.

    Daily Outpatient Diagnostic Radiology & X-Ray benefit does not include Radiation Therapy.

    Note: The Wellness Visit for Daily Outpatient Diagnostic Radiology & X-Ray Benefit is not available in the state of Michigan.

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.






    Outpatient Laboratory Test Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Daily Outpatient Diagnostic Laboratory Tests Benefit

    $75 per day Daily Outpatient Diagnostic Laboratory Tests Benefit

    2 visits - Max 1 day per plan year for medically necessary visit and an additional 1 day for other Wellness visit.

    In addition to medically necessary treatment, we will also cover wellness care for outpatient diagnostic laboratory tests to the extent that they are provided by, or under the supervision of, a single technician during the course of one visit.

    Note: The Wellness Visit for Daily Outpatient Diagnostic Laboratory Tests Benefit is not available in the state of Michigan.

    Group Hospital Fixed Indemnity Insurance is underwritten by United States Fire Insurance Company.






    Critical Illness Insurance Benefit - Group Hospital Fixed Indemnity Insurance


    Group Hospital Fixed Indemnity Insurance

    Critical Illness Insurance Benefit

    $5,000 Critical Illness Benefit Lifetime Maximum Benefit Amount

    Maximum Lifetime Benefit Amount is $500 if first diagnosis of a Covered Critical Illness occurs within the first year from the effective date. Benefit ends at age 65 and Critical Illness Insurance Benefit is only available for Covered Member and their Eligible Spouse.

    Critical Illness Insurance Benefit is a rider to the Group Hospital Fixed Indemnity Insurance which is underwritten by United States Fire Insurance Company.







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

    GROUP ACCIDENT INSURANCE &
    GROUP HOSPITAL FIXED INDEMNITY INSURANCE
    CRITICAL ILLNESS INSURANCE BENEFIT RIDER
    UNDERWRITTEN BY:
    United States Fire Insurance Company

    Crum & Forster 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 PRODUCT PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. THIS IS A GROUP ACCIDENT & HOSPITAL FIXED INDEMNITY INSURANCE (WITH CRITICAL ILLNESS INSURANCE BENEFIT RIDER) INSURANCE ONLY POLICY.


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

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

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

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


    Read the Certificate(s) of Insurance carefully. The Certificate of Insurance for this product is the Gap Plus Certificate of Insurance. 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 Group Policy and Certificate(s) of Insurance. Coverage may vary or may not be available in all states. You’ll find complete coverage details in the Certificate(s) of Insurance. Group Accident Insurance and Group Hospital Fixed Indemnity Insurance which also includes the Critical Illness Insurance Benefit Rider is underwritten by United States Fire Insurance Company, Eatontown, NJ. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Covered Critical Illnesses are subject to the definitions, limitations and exclusions of the Group Policy and Certificate Rider. Coverage for Critical Illness is for Member and eligible Spouse between the ages of 18-64. Benefit for Group Critical Illness Insurance ends at age 65. Benefits are paid at 10% of the Benefit Maximum if first diagnosis occurs in the first year from the effective date. Membership Product cost for the Gap Plan does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this membership product.

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



    AH-4360









  • 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, the Gap 5000 Plan, underwritten by Sirius 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 up to $5,000 (subject to policy & certificate of insurance terms, conditions, limitations & exclusions). This 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 Product helps to enhance and add more value to your membership in the United Business Association.





State Availability
Underwritten by Sirius 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 Membership Product
includes Group Insurance to enhance membership
Requires Membership in United Business Association.
  • Membership Product Cost*

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

    *The membership product cost for the optional supplemental Gap 5000 Membership Product 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

    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 Sirius America Insurance Company.






    Group Critical Illness Insurance


    Group Critical Illness Insurance

    Critical Illness Insurance Benefit

    $5,000 Critical Illness Benefit Lifetime Maximum Benefit Amount

    Maximum Lifetime Benefit Amount is $1000 if first diagnosis of a Covered Critical Illness occurs within the first year from the effective date. Invasive Cancer benefit will not be paid if Proof of Loss occurs prior to 45 days from the effective date. Benefit ends at age 65 and Critical Illness Insurance Benefit is only available for Covered Member and their Eligible Spouse.

    Group Critical Illness Insurance is underwritten by Sirius America Insurance Company.







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

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

    Sirius America Insurance Company Logo


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo

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




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


    The following monthly insurance rates apply to coverage underwritten by Sirius America Insurance Company1. Your overall total association membership dues for the 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 Accident Insurance and Group Critical Illness Insurance are underwritten by Sirius America Insurance Company, New York, NY. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Covered Critical Illnesses are subject to the definitions, limitations and exclusions of the Group Policy. Coverage for Critical Illness is for Member and eligible Spouse between the ages of 18-64. Benefit for Group Critical Illness Insurance ends at age 65. Group Critical Illness Insurance Benefit Maximum is reduced if the first diagnosis occurs in the first year from the effective date. Membereship Product cost for the Gap 5000 Plan does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this membership product.

    United Business Association, Sirius 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 as Gap 5000, but up to $10,000 (subject to policy & certificate of insurance terms, conditions, limitations & exclusions). Gap 10000, underwritten by Sirius America Insurance Company is designed to help supplement your comprehensive health insurance plan for additional protection. This optional supplemental UBA Gap Membership Product helps to enhance and add more value to your membership in the United Business Association.




State Availability
Underwritten by Sirius 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 Membership Product
includes Group Insurance to enhance membership
Requires Membership in United Business Association.
  • Membership Product Cost*

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

    *The membership product cost for the optional supplemental Gap 10000 Membership Product 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

    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 Sirius America Insurance Company.






    Group Critical Illness Insurance


    Group Critical Illness Insurance

    Critical Illness Insurance Benefit

    $10,000 Critical Illness Benefit Lifetime Maximum Benefit Amount

    Maximum Lifetime Benefit Amount is $1000 if first diagnosis of a Covered Critical Illness occurs within the first year from the effective date. Invasive Cancer benefit will not be paid if Proof of Loss occurs prior to 45 days from the effective date. Benefit ends at age 65 and Critical Illness Insurance Benefit is only available for Covered Member and their Eligible Spouse.

    Group Critical Illness Insurance is underwritten by Sirius America Insurance Company.







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

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

    Sirius America Insurance Company Logo


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo

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




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


    The following monthly insurance rates apply to coverage underwritten by Sirius America Insurance Company1. Your overall total association membership dues for the 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 Accident Insurance and Group Critical Illness Insurance are underwritten by Sirius America Insurance Company, New York, NY. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Covered Critical Illnesses are subject to the definitions, limitations and exclusions of the Group Policy. Coverage for Critical Illness is for Member and eligible Spouse between the ages of 18-64. Benefit for Group Critical Illness Insurance ends at age 65. Group Critical Illness Insurance Benefit Maximum is reduced if the first diagnosis occurs in the first year from the effective date. Membership Product cost for the Gap 10000 Plan does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this product.

    United Business Association, Sirius 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 up to $25000 for accidents and first diagnosis of a covered critical illness, the Gap 25000 Plan 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 Sirius America Insurance Company is designed to help supplement your comprehensive health insurance plan for additional protection. This optional supplemental UBA Gap Membership Product helps to enhance and add more value to your membership in the United Business Association.





State Availability
Underwritten by Sirius 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 Membership Product
includes Group Insurance to enhance membership
Requires Membership in United Business Association.
  • Membership Product Cost*

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

    *The membership product cost for the optional supplemental Gap 25000 Membership Product 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

    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 Sirius America Insurance Company.






    Group Critical Illness Insurance


    Group Critical Illness Insurance

    Critical Illness Insurance Benefit

    $25,000 Critical Illness Benefit Lifetime Maximum Benefit Amount

    Maximum Lifetime Benefit Amount is $2500 if first diagnosis of a Covered Critical Illness occurs within the first year from the effective date. Invasive Cancer benefit will not be paid if Proof of Loss occurs prior to 45 days from the effective date. Benefit ends at age 65 and Critical Illness Insurance Benefit is only available for Covered Member and their Eligible Spouse.

    Group Critical Illness Insurance is underwritten by Sirius America Insurance Company.







    ASSOCIATION BENEFITS
    PROVIDED BY:

    Association Benefits are provided by UBA

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

    Sirius America Insurance Company Logo


    BILLING, FULFILLMENT &
    CUSTOMER SERVICE PROVIDED BY:

    Healthy America Logo

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




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


    The following monthly insurance rates apply to coverage underwritten by Sirius America Insurance Company1. Your overall total association membership dues for the 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 products and is not an insurance contract, nor part of the Certificate of Insurance and is subject to the terms, conditions, limitations, and exclusions of the Blanket Group Policy and Certificate(s) of Insurance. Coverage may vary or may not be available in all states. You’ll find complete coverage details in the Certificate(s) of Insurance. Blanket Accident Insurance and Group Critical Illness Insurance are underwritten by Sirius America Insurance Company, New York, NY. The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. The insurance coverage is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Covered Critical Illnesses are subject to the definitions, limitations and exclusions of the Group Policy. Coverage for Critical Illness is for Member and eligible Spouse between the ages of 18-64. Benefit for Group Critical Illness Insurance ends at age 65. Group Critical Illness Insurance Benefit Maximum is reduced if the first diagnosis occurs in the first year from the effective date. Membership Product cost for the Gap 25000 Plan does not include the separate $10 UBA Membership dues. You must be a member of the United Business Association in order to purchase this membership product.

    United Business Association, Sirius 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 give peace of mind
when you are no longer with them.

Along with the long-established services available with your UBA Membership, the Gap Term Membership Product 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 Product 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, MI, MO, MS, ND, NE, NJ, OH, OK, PA, RI,
SC, TN, TX, VA, WI, WV & WY


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

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

    *The membership product cost for the optional supplemental Gap Term Membership Product 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

    GAP TERM

    Help give peace of mind
    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+
    Waiting Period (6 Months):
    $10,000 Accidental Death Benefit Only
    Ongoing Coverage (Beyond Waiting Period):
    $10,000 Term Life Benefit



    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 Exlusions

    This Benefit is subject to all terms, conditions and exlusions 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 inlude 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 PRODUCT PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. COVERAGE IS PROVIDED UNDER GROUP TERM LIFE INSURANCE ONLY POLICIES.


    The following monthly insurance rates apply to coverage underwritten by Guarantee Trust Life Insurance Company1. Your overall total association membership dues for the optional supplemental Gap Term Membership Product also include these monthly insurance rates:

    1Group Term Life Insurance: $4.40


    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. The insurance described in this document 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. This is a brief description of Group Term Life coveage provided under the Certificate of Insurance and is subject to the terms, conditions, limitations and exclusions of the policy. Please review the Certificate of Insurance for complete details. Coverage and terms may vary or may not be available in all states. Group Term Life Insurance is underwritten by Guarantee Trust Life Insurance COmpany ("GTL"), Glenview, IL. Membership Product cost for Gap Term 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 product.

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









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


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



AH-4360 | AAD101.15-19





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