If you have an optional supplemental UBA Gap Product that includes Group Hospital Fixed Indemnity Insurance underwritten by United States Fire Insurance Company which includes any of the following benefits:
- Daily Hospital Confinement Benefit
- Emergency Room Visit Benefit
- Daily Physician Office Visit Benefit
- Daily Outpatient Diagnostic Radiology & X-Ray Benefit
- Daily Outpatient Diagnostic Laboratory Test Benefit
This policy pays claims on an indemnity basis. This means approved claim amounts will be paid directly to you. You must complete a claim form and respond to all documentation request made by the Claims Administrator. Covered claims are determined by the Claims Administrator based on the benefit amounts in the Certificate of Insurance.
Please note that with Emergency Room Visit Benefit - you must meet the definition of Medical Emergency in order to qualify for the Emergency Room Visit Benefit.
If you are looking to do minor and non-emergency visits to an urgent care or emergency room, try using MeMD's Virtual Urgent Care Visits, a non-insurance benefit that is available as part of your paid optional supplemental UBA Gap Product that includes Benefit Boost Subscription services instead. You can use the $0 Cost* Virtual Urgent Care and Virtual Talk Therapy Visits as many times as you like 24 hours a day and 365 days a year. If you use the MeMD Virtual Urgent Care Visits, there are no claim forms to file.
(Note - the MeMD non-insurance Benefit Boost telehealth service is not part of the insurance provided by United States Fire Insurance Company).
*Visits are paid by HealthyAmerica and not by you.
Note: To find out exactly what is covered including definitions, limitations, exclusions, schedule of benefits, go to the Member Portal to view your product(s) Certificates of Insurance and Member Guide.
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.