Comprehensive Coverage does not pay for everything. Most insurance plans have deductibles, coinsurance maximum and out-of-network costs that leave you with having to pay some medical expenses out-of-pocket.
Plans like the UBA Gap Products are designed to supplement your comprehensive health insurance plan for additional protection.
Our UBA Gap Products vary in the types of association group insurance coverage available. Depending on the product, you can get these types of coverage in our UBA Gap Products. Please read the plan details to find out which coverage below is included in each product. You can also view UBA product offerings HERE.
Group Accident Insurance
- Group Accident Medical Expense Insurance
- Group Accidental Death & Dismemberment Insurance
Group Hospital Fixed Indemnity Insurance
- Daily Hospital Confinement Benefit
- Emergency Room Visit Benefit (which also includes Urgent Care Centers)
- Daily Physician Office Visit Benefit
- Daily Outpatient Radiology, X-Rays, and Imaging Benefit
- Daily Outpatient Laboratory Test Benefit
Critical Illness Insurance Benefit (either under as a Rider to the Group Hospital Fixed Indemnity Insurance or as Group Critical Illness Insurance depending on the state and underwriting company and may not be available in all states)
Group Term Life Insurance (Not available in all states)
So learn to be prepared for the unexpected medical expenses that your comprehensive health insurance plan doesn't cover. UBA Gap Product can be right for you and your family as valuable coverage. Not only does a UBA Gap Product help with offsetting deductibles, out-of-pocket maximums, and out-of-network costs, UBA Gap Products also provide additional benefits and services like $0 Cost* Virtual Urgent Care & Talk Therapy Visits 24/7/365 days a year with MeMD, FREE Gummy Multi-vitamins, and more!
*Visits are paid by HealthyAmerica and not by you.