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Value Benefits 24 Hour Accident Expense Coverage

January 1, 2010

underwritten by Guarantee Trust Life Insurance Company

  • Pays 100% of Covered Medical Expenses up to $2,500, $5,000, $7,500 or $10,000
  • Low deductible of $100 or $250
  • Includes accidental death coverage
  • Includes emergency helicopter air ambulance coverage
  • Benefits are paid in cash directly to the policyholder in addition to any other insurance that may be available
  • Use any doctor or hospital
  • Payment options include bank draft, credit card or list bill (for small businesses enrolling multiple employees)
  • Available nationwide except AK, NY and SD. (See a state by state listing of product availability for all products.)
  • Now available with immediate online enrollment - quote, apply & immediately print your proof of coverage!
  • Get a Quote and Enroll Online

Combine this coverage with high deductible plans and Health Savings Accounts

This supplemental accident insurance is available nationwide to individuals with Health Savings Accounts. This insurance will not affect the tax-qualified status of HSAs. Helps you avoid your expensive health plan deductibles due to an accident.

Use alone without other insurance

If you have no other health insurance then this plan can be used to protect yourself and your family against accident-related medical expenses at an affordable price.

Comments from Plan Members

"We use this plan to bridge the deductible in our family's high deductible health insurance plan" Liliana Lorenz,   Newport Beach, CA

"Because we have our whole company on an HSA plan to save on premiums, we supply this affordable accident benefit plan to reduce our employee's out of pocket exposure" Dr. Matt,  - Los Angeles, CA  

Option 1 - $2,500

$2,500 accident coverage $2,500 Accident Medical Coverage $100 deductible per accident Includes Accidental Death and Dismemberment $34.95  per month  (Includes your dependents). Click here for online enrollment

Option 2 - $5,000

$5,000 accident coverage $5,000 Accident Medical Coverage Only pay a $100 Deductible per accident Includes Accidental Death and Dismemberment $44.95  per month  (Includes your dependents). Click here for online enrollment

Option 3 - $7,500

$7,500 accident coverage $7,500 Accident Medical Coverage Only pay a $250 Deductible per accident Includes Accidental Death and Dismemberment $54.95  per month  (Includes your dependents). Click here for online enrollment.

Option 4 - $10,000

$10,000 accident coverage $7,500 Accident Medical Coverage Only pay a $250 Deductible per accident Includes Accidental Death and Dismemberment $64.95 per month (includes your dependents). Click here for online enrollment.

All pricing listed includes a $9.95 monthly administration fee from Value Benefits of America, Inc.

Why purchase personal accident protection?

The VBA accident protection can be used by itself to cover accidents or can coincide with your existing health insurance policy. As consumers, we often purchase PPO policies with high deductibles or high annual maximum out-of-pocket amounts in order to keep down our monthly premiums. The VBA accident protection can help to minimize those out of pocket costs from your regular health insurance plan, in the event of an accident. Offset your high deductible health plan. (Perfect for those with HSA Plans) Do you have an HSA or simply a high deductible health plan? The VBA accident benefit plan fills the gap on your high deductible health insurance plan. For example, many HSA plans have a $2500 deductible or higher. If a family member has an accident, the $2500 benefit from VBA would offset your health plan deductible. How can you go wrong. Take advantage of this plan now! (also available in $5,000 and $10,000 benefit plans as well). Parents... do your kids play sports? If you have teenagers, there's no doubt you have made a trip or two to the doctor's office or emergency room for the occasional skateboard, snowboard, snow ski, surfing, mountain bike or sports injury. Don't get stuck paying your PPO or HMO deductible and co-pay alone. Use your VBA accident benefit plan reimbursement to help offset your health insurance deductible and co-pay. Are you without any insurance at all? There's no argument that individual health insurance can be expensive and sometimes hard to qualify for medically. For whatever reason, if you are going without health insurance, a VBA accident benefit plan may be a good "stop-gap" solution to protect you and your family, until you are able to add a health insurance policy. Are you unable to qualify medically for health insurance? An accident benefit plan will give you some peace of mind and protection, when you are going without any insurance at all. For as little as $29.95 per month you can protect yourself and your family members against accidents. That's less than a dollar a day to protect you and your family.

There are no medical requirements for eligibility; all applicants are accepted.  Covers medically necessary treatment by a physician, nurse, dentist, hospital room and board, outpatient surgery, use of an ambulance, dental work to sound natural teeth, drugs, medicines, diagnostic tests and x-rays, oxygen, casts, splints, crutches, blood plasma, treatment performed by licensed medical professional and rental of durable medical equipment. Use Any Doctor, Emergency Room or Hospital. Pays up to $4,000 for Emergency Helicopter Air Ambulance Service Worldwide. Pays Directly to You, unless you assign payment to a doctor. Only $250 deductible for the $7,500 or $10,000 plan. Only $100 Deductible for the $5,000 or $2,500 plans. Accidental Death and Dismemberment benefits of  $2,500, $5,000, $7500 or $10,000. Coverage for Each Family Member (depending on plan selected). If a covered family member's injury in a loss, as defined in your certificate of coverage, within one year after the accident causing the loss, the carrier will pay per the schedule of benefits for loss of life. Benefits for loss of limb and sight are shown in the schedule of benefits.  Provides emergency helicopter air ambulance. Provides a benefit of up to $4,000 for air ambulance service worldwide for accidents requiring air evacuation. This is typical on a mountain or medical transportation form any remote area. Other discount benefits   include the Dividend Club. Value Benefits of America 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. Care 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.

NEW "CallMD" feature is now included in all policies. This is a network of medical doctors you can call for a consultation or medical needs anytime, any day!

How do I enroll?

Enrollment is simple!  Simply click here for your online enrollment ... That's it! The plan becomes effective within a few days of enrollment. You should receive your enrollment packet in the mail within 7 to 10 days.

THIS INSURANCE WILL NOT PAY THE ENTIRE AMOUNT OF ALL MEDICAL BILLS. This insurance is designed to be used to supplement other health insurance or may be used as a stand-alone coverage when other insurance is not available or is not affordable.

VBA is not a personal accident insurance company or program. Accident benefits payments are made by the administrator for the insurance company providing blanket coverage for the members.


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