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

"We have our whole company on an HSA
plan to save premiums. Now we supply this
affordable accident benefit plan to reduce
our employee's 'out of pocket' risk"
JC,   Dallas, TX

from Value Benefits of America, Inc.
 

Jump to the enrollment step by step procedure

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. And there are no medical requirements.

• $2,500,  or   $5,000  or  $10,000 of Accident Coverage for Each Family Member per Occurrence For Medical Services.  Your choice of benefit level ($2500 or $5000  or $10,000 per accident).

Medical Services means the costs for: 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 Directly to You, unless you assign

• $250 deductible for $10,000 plan (Premier Plan)  or
  $100 Deductible for the $5,000 or $2,500 plans (Basic Plus and Basic Plans)

• $5,000 Coverage for Each Family Member

 

What is it? As members of Lifeguard Emergency Rescue, this plan provides greater peace-of-mind to individuals and groups engaged in a wide variety of activities. It gives all eligible persons the security they need and deserve.

If, as a result of injury, a member incurs covered expense starting within 90 days from the date of the accident causing the injury, we will pay, with no deductible and not to exceed the overall maximum benefit amount of $4,000.00, for Emergency Air Ambulance Transportation Only.

• Coverage is worldwide

• Transportation by air only

The accident coverage information contained herein is a brief summary only and is subject to all provisions, limitations and exceptions set forth in the Policy.  Please refer to your outline of coverage for the exceptions and limitations.  Payment will be for benefits described in your Certificate of Coverage.

• The Divident 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.

• Refund Sweepers

Free Merchandise, Bargains, On-line Coupons, Rebates, Sweepstakes & more.

Step 1 - Download enrollment form (two choices)

• Download the VBA enrollment form here.
  (one form offers choice of $10,000,  $5,000  or  $2,500 plan)

Step 2 - Print enrollment form

• If you don't have the Adobe Acrobat Reader, you can download it here.
• Or call us (800-610-6418) or email us and ask us to fax or mail it to you.

Step 3 - Complete the enrollment form

• Complete the simple one-page enrollment form, sign and fax it to:  (949) 203-8786

Step 4 - Decide on a payment option

• You can pay via automatic monthly checking bank draft  or by monthly credit card debit.

Step 5 - Fax enrollment form to (949) 203-8786

• Simply fax your signed enrollment form to us at Fax Number:  (949) 203-8786.
  Include a voided check if paying by monthly checking account deduction.

Note:  Be sure to sign the application in two places.  The signature states that all information is correct and the second signature authorizes the automatic payment by either automatic bank draft or monthly credit card payment.

Don't forget to include a voided check if using the automatic monthly bank draft option!

 

That's it!

You should receive your enrollment packet in the mail within two weeks.

Note:  If this plan is being used to offset a high deductible health plan or HSA plan, select the benefit level plan that most closely matches your annual health insurance plan deductible.