VBA Limited Health Insurance Benefit Plans

Sickness & Accident, Hospital & Medical Insurance

THIS POLICY PROVIDES LIMITED FIRST DOLLAR BENEFITS - PAID DIRECTLY TO YOU

• Benefits are Paid Directly to You - Pays Benefits in Addition to any Other Insurance

• No Deductible, Co-pays or Co-insurance - Use any Doctor, Hospital or Licensed Provider

• Available to Ages 18 through 64 & Dependents - Guaranteed Renewable to Age 65

• Dependent Child Coverage Available up to Age 19 or 25 if a Full Time Student****

• Your Rates Cannot Increase Due to Your Age or Health Problems***

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Rates start at $36/Month for individuals and there is no application fee

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VALUE MED PLAN	BENEFIT SCHEDULE	PAYS
Doctors Office Visits	Pays up to 10 Doctor Office visits per calendar year for each insured adult and up to 5 per calendar year for all insured children combined. Doctor Office visits are limited to one per week, except in Maryland.	$75 per visit
Hospital Outpatient Visits	Pays for Doctors treatment, medical supplies, x-ray and lab tests. Outpatient Benefit maximum per calendar year is $1,000 per insured and $1000 for each covered child.	Up to $250 per visit
Ambulance Services	Pays ambulance expense per sickness or accident	$200 maximum per sickness or accident
Hospital Confinement	Pays $500 per day, beginning on the 1st day of hospital confinement, up to 365 days. Option for $100 per day is available.*****	$100 or $500

The Value Med Insurance Plan is Available in All States Except: CT, KS, MN, NJ, NY, NC, RI or WA

* The benefits may be paid directly to the hospital or other health care facility if an assignment of benefits is made by the policyholder.

** Preexisting Conditions Incurred within the 12 Month Period Preceding the Effective Date are Covered after 12 Months. Pre-existing conditions are those medical conditions disclosed or not disclosed on the application which were diagnosed or for which medical advice or treatment was recommended or received from a Doctor within a 12-month period immediately preceding the Effective Date of Your coverage. Any loss due to a pre-existing condition is not covered unless the loss begins more than 12 months* after the Effective Date of coverage. *The pre-existing condition waiting period is 6 months in Idaho and Oregon.

Wyoming Applicants Only - Your Pre-existing Conditions Limitation reads:
The policy will not cover loss resulting from pre-existing conditions during the first year that your policy is in force. A "pre-existing condition" is any sickness or injury diagnosed for which You received medical advice and /or treatment was received from or recommended by a Physician within the 90 day period immediately before the effective date of Your coverage, or the effective date of an increase in coverage, whichever is applicable

*** The insurer has the right to increase premium rates of all like policies in your state.

**** Instead of age 19 the following states have higher limits: Indiana age 24, New Mexico age 25, North Dakota age 22 and Utah age 26.

***** Hospital confinement must be medically necessary because of injury or sickness. Our definition of hospital excludes (a) a convalescent home, convalescent, rest or nursing facility; or, (b) a facility or portion thereof used primarily for the care of the aged, the terminally ill, drug or alcoholic rehabilitation, or primarily affording custodial, long-term nursing, convalescent or educational care.

Please Note this Policy contains a 10-Day Right to Examine Coverage:
You may cancel coverage under this Policy or Certificate within 10 days of receiving it by returning the Policy or Certificate to Us. If it is returned for cancellation, we will refund any premium paid for your coverage. The Policy or Certificate will then be void as of the Effective Date and there will be no coverage. The states of New Hampshire and Oklahoma have a 30-Day Right to Examine Coverage.

Underwritten by: Guarantee Trust Life Insurance Company
in All Other States Except NY. Group Policy #GP2005
LA Policy Form G0551-LA, ME Policy Form G0551-ME,
MT Policy Form G0551-MT, OR Policy Form G0551-OR,
SC Policy Form G0551-SC, MD Policy Form G0551-MD

Underwritten by: United National Life Insurance Company of America
in AR, ID, IL,KS, MN, MO, NE, NV, NM, ND, OK, SD, TX.
Group Policy #UP2005, UT Policy Form U0552-UT,
AR Policy Form U0552-AR, OK Policy Form U0552-OK
SD Policy Form U0552-SD, WV Policy Form U0552

VALUE BENEFITS OF AMERICA MEMBERSHIP ALSO INCLUDES DISCOUNTS AND DIVIDENDS *

The Dividend Club: Members will earn Dividends (paid quarterly to you) on Merchandise, Services, Travel & Entertainment when you shop from our On-line Mall and make a purchase. Choose from retailers like these, just to name a few, and get the dividends: Walmart.com, Target.com, BestBuy.com, CircuitCity.com, CompUSA.com, DisneyStore.com, OfficeMax.com, BrooksBrothers.com, Brookstone.com, Buy.com, EddieBauer.com, LizClairborne.com, FOA.com, FOSSIL. com, HotelDiscounts.com, Jcrew.com, etc.

Refund Sweepers: Free Merchandise, Bargains, On-line Coupons, Rebates, Sweepstakes & more

Car Rental Services: Provides discounts at Alamo, National, Hertz and Avis

Rewards Network: America’s Premier Dining Rewards Program and Hotel Discounts. Save up to 20% off every meal plus up to 15% off your hotel room rate

Included at no charge: discounts at over 55,000 pharmacies for your prescription drugs as well as lab tests and x-ray imaging services

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