The Certificates of Insurance for the product(s) that you purchased contain very important information. These Certificates include the definitions, the benefits, as well as the limitations and exclusions for group association insurance products available in your product.
Make sure to read over the entire Certificate of Insurance so you are aware how the insurance in your product works. This is better to do before claim time so you are not surprised and so that you will understand what is covered and what is not covered.
Keep your Certificates of Insurance in a safe place just like you would any other insurance policy.
Important: Healthy America and United Business Association (UBA) are not authorized to pay claims or be involved in the claims decision process. All claim decisions are made by the TPA claims administrator and the insurance carrier.