Sm&rt Med Premium

Group Insurance benefits for Hospitalizations, Surgeries, Wellness, Diagnostic, Emergency Care, & Critical Illness | & includes Benefit Boost 4.0

ALL INSURANCE BENEFIT COMPONENTS PROVIDE LIMITED COVERAGE ONLY. THIS IS NOT COMPREHENSIVE MAJOR MEDICAL INSURANCE, and should not be purchased to replace any major medical insurance you currently have in force. Sm&rt Med Premium is optionally available to members of the United Business Association only.

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Group Benefits Fixed Indemnity Insurance

Benefits are subject to the Maximum Benefit amounts and other terms or limits, such as number of sessions, shown in the Schedule of Benefits. Benefits will not duplicate any other benefits payable under the Certificate or any coverage attached to the Certificate unless otherwise stated in the Schedule of Benefits.

Available to all active members of the United Business Association (UBA), ages 18 to under 65 who have chosen to enroll themselves in the Sm&rt Med Premium membership plan option and their enrolled Spouse age 18 to under age 65 as well as their enrolled dependent children under age 26 (under age 25 in TX). The member and spouse must be enrolled prior to their 65th birthday and coverage ends on their 65th birthday. Coverage ends for dependent children on their 26th birthday (25th birthday in TX).

Pre-existing Conditions Limitation:
There is no coverage for a Pre-Existing Condition until the earlier of the end of 6 consecutive months beginning on or after the Covered Person's Effective Date of Coverage, during which the Covered Person has not received medical advice or treatment in connection with such Pre-Existing Condition.

This Pre-Existing Condition Limitation only applies to the following Benefits: Hospital Admission Benefit, Hospital Confinement Benefit, Inpatient and Outpatient Surgery Benefit, and Inpatient and Outpatient Surgery Anesthesia Benefit

This Pre-Existing Condition Limitation does not apply to a newborn or newly adopted Child or Child under petition for adoption under the age of 18 if the Child is enrolled for coverage within 90-days from the date of birth, or the 60-day period beginning on the date of adoption or filing of a petitioner of adoption.

Written notice of Claim must be givin within 30-days after a Covered Loss occurs or begins or as soon as reasonably possible.

90 Day Loss Period: Proof of loss must be provided within 90-days from the date of such loss.

Please read the full terms, definitions, limitations, and exclusions in your Group Policy and Certificate of Insurance and Riders. Coverage could vary or may not be available in all states.

Insurance coverage underwritten by United States Fire Insurance Company.

[4960674]

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Critical Illness Rider

Pays the percentage of the Critical Illness Benefit Amount, shown in the Rider Schedule of Benefits, if the Covered Person is First Diagnosed with a Critical Illness Covered Condition listed in the Rider Schedule of Benefits after their effective date of coverage under the Rider and after the Critical Illness Benefit Waiting Period shown in the Rider Schedule of Benefits.

$25,000 Critical Illness Benefit Amount per Covered Person.

Only paid once per Covered Person's lifetime and not payable for conditions other than the Critical Illness Conditions shown in the Rider Schedule of Benefits.

The Critical Illness Benefit Waiting Period is 30 days per Covered Person.

Available to all active members of the United Business Association (UBA), ages 18 to under 65 who have chosen to enroll themselves in the Sm&rt Med Premium membership plan option and their enrolled Spouse age 18 to under age 65 as well as their enrolled dependent children under age 26 (under age 25 in TX). The member and spouse must be enrolled prior to their 65th birthday and coverage ends on their 65th birthday. Coverage ends for dependent children on their 26th birthday (25th birthday in TX).

If the Covered Person's condition is First Diagnosed during the Critical Illness Benefit Waiting Period, no benefits will be payable.

Please make sure to read the full terms, definitions, limitations, and exclusions in the Certificate of Insurance and Rider. Coverage could vary or may not be available in all states.

Insurance coverage underwritten by United States Fire Insurance Company.

[4960674]

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Benefit Boost Services are NOT insurance. They are separate from the insurance benefits included in Sm&rt Med Premium membership plan. The insurance companies underwriting the insurance benefits are not affiliated with these or any other non-insurance services or programs offered in conjunction with UBA Membership.

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Direct Primary Care Plus

Healthcare2U's direct primary care membership is designed to simplify and personalize the way you experience healthcare. With their nationwide Private Physician Network (PPN)^™ and Patient Advocacy concierge service, you receive consistent, affordable, and convenient care with unlimited access to primary, chronic, and urgent care services, anywhere in the U.S.

DPC Plus is not insurance, but is a healthcare membership with an innovative alternative payment model that consists of a flat and affordable membership fee. This membership provides unlimited access to primary, chronic, and urgent care services but does not include insurance coverages such as hospitalization or critical illness.

DPC Plus is part of the Benefit Boost family of subscription membership programs.

THIS IS NOT INSURANCE. It is a membership that provides unlimited access to certain healthcare services, but does NOT provide insurance coverage.

DPC Plus membership does not include inpatient or outpatient hospital services or critical illness.

Membership is available to member and spouse age 18 to 64. Membership is available to dependent children age 2 to 25. Children under age 2 or age 26 or older are not eligible for membership.

Healthcare2U is not available to any member on Medicare, Medicaid, or Tricare.

¹Walk-in visits are not allowed. All doctor and urgent care visits require and appointment scheduled through Healthcare2U's Patient Advocacy Line (PAL)^™ and all care is provided through Healthcare2U's physician network. In-office appointments can be scheduled within business hours only (Monday through Friday, 7am to 6pm CST).

²Healthcare2U's Patient Advocates may direct the member to another level of care if appropriate, depending on the member's condition and utilization of services.

³Healthcare2U does not provide specialty care outside of network partner-physician clinics. If Member currently sees a specialist for an advanced disease state, we do not recommend leaving that specialist.

⁴Telehealth services are provided through third-party organizations and are not connected to Healthcare2U.

⁵Well-woman pap smear pathology interpretation is not included in the annual physical. Annual physical is not available during the first six months from your membership effective date.

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SML Dental Discount Program

Discount Dental Disclosure
This plan is NOT insurance. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. Discounts on hospital services are not available in Maryland. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. The Discount Plan Organization Gallagher Affinity Insurance Services, Inc., at 2850 W. Golf Road, Rolling Meadows, IL 60008, 1-866-215-1376. To view a list of participating providers visit www.findbestbenefits.com and enter promo code 725324. You have the right to cancel this plan within 30 days of the effective date for a full refund of fees paid. Such refunds are issued within 30 days of request.

Members can save 15% to 50%¹ per visit, in most instances, on services at any of the many available dental practice locations nationwide. Services include cleanings, x-rays, fillings, root canals and crowns.

Members can also save on specialty care services including orthodontics and periodontics where available.

THIS IS NOT INSURANCE

¹Actual costs and savings may vary by provider, service and geographic location. We use the national average of Fair Health data to determine the average costs, as shown on the chart.

The discount program provides access to the Aetna Dental Access^® network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent representative, or employee of the discount program. Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.

This benefit is not available in AK, CT, IA, MA, RI, UT, VT and WA. This benefit is not available to residents of Vermont.

Full terms, conditions and disclosures

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Paramount RX Prescription Discount Drug Program

Retail Pharmacies

Paramount RX^® is a nationally recognized prescription discount program that provides discounts on all FDA approved prescription drugs. The nationwide network includes over 57,000 pharmacies, including all national and regional chains, as well as many local community pharmacies.

Pet Medications

Members can save hundreds of dollars or more per year on pet medications with retail pharmacy and online discounts. Our Pet RX customer service team is also available to assist utilizing the program for maximum savings.

¹ Savings can vary greatly depending on the individual drug and the participating pharmacy. The agreed upon discount rates and network prices can vary by pharmacy contract. It is important to research pharmacies in your community to find the best available price using the online search tool. In any case where the participating pharmacy's retail price is lower than the discounted network price, you will pay the lower retail price.

This is not insurance -- discount only.

There is no cost to the member for this FREE prescription discount card. Read the guide carefully. This is a brief description of a prescription discount program through Paramount RX® and is not an insurance contract. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c. 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. Not all services are available in all states.

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Free Multi-Vitamins

This private-label program provides the same quality vitamins as are currently found on the shelves of pharmacies, supermarkets, and other retail outlets. The multi-vitamins your family will receive are one of the leading brands sold by healthcare professionals.

Multi-vitamins are available free of charge as a subscription service for members actively enrolled in Benefit Boost 1.0.

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FamilySource^®

No matter how resourceful you are, we can all use a little help now and then. Whether you are a new parent, a caregiver for an elder, sending a child off to college, buying a car or doing home repairs, you're sure to have questions or need resource referrals.

Information tailored to your needs is available to you within two to three business days, but can be available sooner in certain circumstances.

Our specialists hold bachelor's or master's degrees and have experience in child care, assisted living, nursing homes, home health care, special needs programs, disability programs, adoption organizations, schools, event planning companies and corporate environments.

This is not insurance.

FamilySource^® is a registered trademark of ComPsych^® Corporation

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LifeLock^™ Identity Theft Protection

Identity theft is a crime in which someone accesses information to commit fraud, typically by getting false credentials, opening new accounts in someone else's name or using someone else's existing accounts.

There are a lot of ways identity theft can happen, and once hackers or other criminals have your information, they could impersonate you, max out your credit cards, open new accounts in your name, rent an apartment, steal your frequent-flyer miles or act out a number of other bad-guy fantasies.

LifeLock^™ is a leader in identity theft protection, with three plan levels to choose from that:

^*Discount rate and savings based on discount pricing and retail renewal pricing, as of January 2021.

Term and conditions apply. No one can prevent all cybercrime or prevent all identity theft. Visit LifeLock.com for terms, conditions, and limitations of LifeLock^™ identity theft protection.

Norton and LifeLock are trademarks of NortonLifeLock Inc. United Business Association, Healthy America Insurance Agency, Inc, and H A Partners, Inc. are not a paid affiliates of LifeLock and does not receive any commission from LifeLock or NortonLifeLock Inc. UBA, HealthyAmerica, & H A Partners, Inc. are not liable for claims, damages, losses, expenses, costs, or liabilities whatsoever arising from or associated with identity theft protection services purchased through LifeLock.

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Cost Transparency

Current rate(s) for insurance coverage included in Sm&rt Med Premium membership plan and underwritten by United States Fire Insurance Company:

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30-Day Satisfaction Assurance Policy for Sm&rt Med Premium

If for any reason you are not completely satisfied with your enrollment, just notify us anytime up to thirty (30) days after your Effective Date to cancel and receive a full refund of all dues, premiums, or fees paid.

Notice: for any enrollment in a program or plan that provides insurance benefits or coverage, enrollment costs cannot be refunded if an insurance claim has been filed.

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This is a brief description of the benefits included with Sm&rt Med Premium membership plan. Be sure to carefully review the Certificate(s) of Insurance and Rider, provided below, as the Certificate(s) and Rider provides the official explanations of insurance benefits specific to your state, and include all terms, conditions, limitations, and exclusions related to the insurance coverage. If there are any discrepancies between the benefit descriptions provided above and the Certificate and Rider, the Certificate and Rider will govern.

You must be a member of the United Business Association (UBA) in order to enroll in the Sm&rt Med Premium membership plan. Membership dues are $10 per month for the entire family and are separate from the Sm&rt Med Premium membership plan costs. View for Membership details.

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Sm&rt Med Premium Certificates of Insurance

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Sm&rt Med Plus

Group Insurance benefits for Hospitalizations, Surgeries, Wellness, Diagnostic, Emergency Care, & Critical Illness | & includes Benefit Boost 4.0

ALL INSURANCE BENEFIT COMPONENTS PROVIDE LIMITED COVERAGE ONLY. THIS IS NOT COMPREHENSIVE MAJOR MEDICAL INSURANCE, and should not be purchased to replace any major medical insurance you currently have in force. Sm&rt Med Plus is optionally available to members of the United Business Association only.

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Group Benefits Fixed Indemnity Insurance

Benefits are subject to the Maximum Benefit amounts and other terms or limits, such as number of sessions, shown in the Schedule of Benefits. Benefits will not duplicate any other benefits payable under the Certificate or any coverage attached to the Certificate unless otherwise stated in the Schedule of Benefits.

Available to all active members of the United Business Association (UBA), ages 18 to under 65 who have chosen to enroll themselves in the Sm&rt Med Plus membership plan option and their enrolled Spouse age 18 to under age 65 as well as their enrolled dependent children under age 26 (under age 25 in TX). The member and spouse must be enrolled prior to their 65th birthday and coverage ends on their 65th birthday. Coverage ends for dependent children on their 26th birthday (25th birthday in TX).

Pre-existing Conditions Limitation:
There is no coverage for a Pre-Existing Condition until the earlier of the end of 6 consecutive months beginning on or after the Covered Person's Effective Date of Coverage, during which the Covered Person has not received medical advice or treatment in connection with such Pre-Existing Condition.

This Pre-Existing Condition Limitation only applies to the following Benefits: Hospital Admission Benefit, Hospital Confinement Benefit, Inpatient and Outpatient Surgery Benefit, and Inpatient and Outpatient Surgery Anesthesia Benefit

This Pre-Existing Condition Limitation does not apply to a newborn or newly adopted Child or Child under petition for adoption under the age of 18 if the Child is enrolled for coverage within 90-days from the date of birth, or the 60-day period beginning on the date of adoption or filing of a petitioner of adoption.

Written notice of Claim must be givin within 30-days after a Covered Loss occurs or begins or as soon as reasonably possible.

90 Day Loss Period: Proof of loss must be provided within 90-days from the date of such loss.

Please read the full terms, definitions, limitations, and exclusions in your Group Policy and Certificate of Insurance and Riders. Coverage could vary or may not be available in all states.

Insurance coverage underwritten by United States Fire Insurance Company.

[4960661]

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Critical Illness Rider

Pays the percentage of the Critical Illness Benefit Amount, shown in the Rider Schedule of Benefits, if the Covered Person is First Diagnosed with a Critical Illness Covered Condition listed in the Rider Schedule of Benefits after their effective date of coverage under the Rider and after the Critical Illness Benefit Waiting Period shown in the Rider Schedule of Benefits.

$15,000 Critical Illness Benefit Amount per Covered Person.

Only paid once per Covered Person's lifetime and not payable for conditions other than the Critical Illness Conditions shown in the Rider Schedule of Benefits.

The Critical Illness Benefit Waiting Period is 30 days per Covered Person.

Available to all active members of the United Business Association (UBA), ages 18 to under 65 who have chosen to enroll themselves in the Sm&rt Med Plus membership plan option and their enrolled Spouse age 18 to under age 65 as well as their enrolled dependent children under age 26 (under age 25 in TX). The member and spouse must be enrolled prior to their 65th birthday and coverage ends on their 65th birthday. Coverage ends for dependent children on their 26th birthday (25th birthday in TX).

If the Covered Person's condition is First Diagnosed during the Critical Illness Benefit Waiting Period, no benefits will be payable.

Please make sure to read the full terms, definitions, limitations, and exclusions in the Certificate of Insurance and Rider. Coverage could vary or may not be available in all states.

Insurance coverage underwritten by United States Fire Insurance Company.

[4960661]

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Benefit Boost Services are NOT insurance. They are separate from the insurance benefits included in Sm&rt Med Plus membership plan. The insurance companies underwriting the insurance benefits are not affiliated with these or any other non-insurance services or programs offered in conjunction with UBA Membership.

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Direct Primary Care Plus

Healthcare2U's direct primary care membership is designed to simplify and personalize the way you experience healthcare. With their nationwide Private Physician Network (PPN)^™ and Patient Advocacy concierge service, you receive consistent, affordable, and convenient care with unlimited access to primary, chronic, and urgent care services, anywhere in the U.S.

DPC Plus is not insurance, but is a healthcare membership with an innovative alternative payment model that consists of a flat and affordable membership fee. This membership provides unlimited access to primary, chronic, and urgent care services but does not include insurance coverages such as hospitalization or critical illness.

DPC Plus is part of the Benefit Boost family of subscription membership programs.

THIS IS NOT INSURANCE. It is a membership that provides unlimited access to certain healthcare services, but does NOT provide insurance coverage.

DPC Plus membership does not include inpatient or outpatient hospital services or critical illness.

Membership is available to member and spouse age 18 to 64. Membership is available to dependent children age 2 to 25. Children under age 2 or age 26 or older are not eligible for membership.

Healthcare2U is not available to any member on Medicare, Medicaid, or Tricare.

¹Walk-in visits are not allowed. All doctor and urgent care visits require and appointment scheduled through Healthcare2U's Patient Advocacy Line (PAL)^™ and all care is provided through Healthcare2U's physician network. In-office appointments can be scheduled within business hours only (Monday through Friday, 7am to 6pm CST).

²Healthcare2U's Patient Advocates may direct the member to another level of care if appropriate, depending on the member's condition and utilization of services.

³Healthcare2U does not provide specialty care outside of network partner-physician clinics. If Member currently sees a specialist for an advanced disease state, we do not recommend leaving that specialist.

⁴Telehealth services are provided through third-party organizations and are not connected to Healthcare2U.

⁵Well-woman pap smear pathology interpretation is not included in the annual physical. Annual physical is not available during the first six months from your membership effective date.

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SML Dental Discount Program

Discount Dental Disclosure
This plan is NOT insurance. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. Discounts on hospital services are not available in Maryland. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. The Discount Plan Organization Gallagher Affinity Insurance Services, Inc., at 2850 W. Golf Road, Rolling Meadows, IL 60008, 1-866-215-1376. To view a list of participating providers visit www.findbestbenefits.com and enter promo code 725324. You have the right to cancel this plan within 30 days of the effective date for a full refund of fees paid. Such refunds are issued within 30 days of request.

Members can save 15% to 50%¹ per visit, in most instances, on services at any of the many available dental practice locations nationwide. Services include cleanings, x-rays, fillings, root canals and crowns.

Members can also save on specialty care services including orthodontics and periodontics where available.

THIS IS NOT INSURANCE

¹Actual costs and savings may vary by provider, service and geographic location. We use the national average of Fair Health data to determine the average costs, as shown on the chart.

The discount program provides access to the Aetna Dental Access^® network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent representative, or employee of the discount program. Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.

This benefit is not available in AK, CT, IA, MA, RI, UT, VT and WA. This benefit is not available to residents of Vermont.

Full terms, conditions and disclosures

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Paramount RX Prescription Discount Drug Program

Retail Pharmacies

Paramount RX^® is a nationally recognized prescription discount program that provides discounts on all FDA approved prescription drugs. The nationwide network includes over 57,000 pharmacies, including all national and regional chains, as well as many local community pharmacies.

Pet Medications

Members can save hundreds of dollars or more per year on pet medications with retail pharmacy and online discounts. Our Pet RX customer service team is also available to assist utilizing the program for maximum savings.

¹ Savings can vary greatly depending on the individual drug and the participating pharmacy. The agreed upon discount rates and network prices can vary by pharmacy contract. It is important to research pharmacies in your community to find the best available price using the online search tool. In any case where the participating pharmacy's retail price is lower than the discounted network price, you will pay the lower retail price.

This is not insurance -- discount only.

There is no cost to the member for this FREE prescription discount card. Read the guide carefully. This is a brief description of a prescription discount program through Paramount RX® and is not an insurance contract. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c. 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. Not all services are available in all states.

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Free Multi-Vitamins

This private-label program provides the same quality vitamins as are currently found on the shelves of pharmacies, supermarkets, and other retail outlets. The multi-vitamins your family will receive are one of the leading brands sold by healthcare professionals.

Multi-vitamins are available free of charge as a subscription service for members actively enrolled in Benefit Boost 1.0.

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FamilySource^®

No matter how resourceful you are, we can all use a little help now and then. Whether you are a new parent, a caregiver for an elder, sending a child off to college, buying a car or doing home repairs, you're sure to have questions or need resource referrals.

Information tailored to your needs is available to you within two to three business days, but can be available sooner in certain circumstances.

Our specialists hold bachelor's or master's degrees and have experience in child care, assisted living, nursing homes, home health care, special needs programs, disability programs, adoption organizations, schools, event planning companies and corporate environments.

This is not insurance.

FamilySource^® is a registered trademark of ComPsych^® Corporation

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LifeLock^™ Identity Theft Protection

Identity theft is a crime in which someone accesses information to commit fraud, typically by getting false credentials, opening new accounts in someone else's name or using someone else's existing accounts.

There are a lot of ways identity theft can happen, and once hackers or other criminals have your information, they could impersonate you, max out your credit cards, open new accounts in your name, rent an apartment, steal your frequent-flyer miles or act out a number of other bad-guy fantasies.

LifeLock^™ is a leader in identity theft protection, with three plan levels to choose from that:

^*Discount rate and savings based on discount pricing and retail renewal pricing, as of January 2021.

Term and conditions apply. No one can prevent all cybercrime or prevent all identity theft. Visit LifeLock.com for terms, conditions, and limitations of LifeLock^™ identity theft protection.

Norton and LifeLock are trademarks of NortonLifeLock Inc. United Business Association, Healthy America Insurance Agency, Inc, and H A Partners, Inc. are not a paid affiliates of LifeLock and does not receive any commission from LifeLock or NortonLifeLock Inc. UBA, HealthyAmerica, & H A Partners, Inc. are not liable for claims, damages, losses, expenses, costs, or liabilities whatsoever arising from or associated with identity theft protection services purchased through LifeLock.

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Cost Transparency

Current rate(s) for insurance coverage included in Sm&rt Med Plus membership plan and underwritten by United States Fire Insurance Company:

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30-Day Satisfaction Assurance Policy for Sm&rt Med Plus

If for any reason you are not completely satisfied with your enrollment, just notify us anytime up to thirty (30) days after your Effective Date to cancel and receive a full refund of all dues, premiums, or fees paid.

Notice: for any enrollment in a program or plan that provides insurance benefits or coverage, enrollment costs cannot be refunded if an insurance claim has been filed.

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This is a brief description of the benefits included with Sm&rt Med Plus membership plan. Be sure to carefully review the Certificate(s) of Insurance and Rider, provided below, as the Certificate(s) and Rider provides the official explanations of insurance benefits specific to your state, and include all terms, conditions, limitations, and exclusions related to the insurance coverage. If there are any discrepancies between the benefit descriptions provided above and the Certificate and Rider, the Certificate and Rider will govern.

You must be a member of the United Business Association (UBA) in order to enroll in the Sm&rt Med Plus membership plan. Membership dues are $10 per month for the entire family and are separate from the Sm&rt Med Plus membership plan costs. View for Membership details.

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Sm&rt Med Plus Certificates of Insurance

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Sm&rt Med Value

Group Insurance benefits for Hospitalizations, Surgeries, Wellness, Diagnostic, Emergency Care, & Critical Illness | & includes Benefit Boost 4.0

ALL INSURANCE BENEFIT COMPONENTS PROVIDE LIMITED COVERAGE ONLY. THIS IS NOT COMPREHENSIVE MAJOR MEDICAL INSURANCE, and should not be purchased to replace any major medical insurance you currently have in force. Sm&rt Med Value is optionally available to members of the United Business Association only.

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Group Benefits Fixed Indemnity Insurance

Benefits are subject to the Maximum Benefit amounts and other terms or limits, such as number of sessions, shown in the Schedule of Benefits. Benefits will not duplicate any other benefits payable under the Certificate or any coverage attached to the Certificate unless otherwise stated in the Schedule of Benefits.

Available to all active members of the United Business Association (UBA), ages 18 to under 65 who have chosen to enroll themselves in the Sm&rt Med Value membership plan option and their enrolled Spouse age 18 to under age 65 as well as their enrolled dependent children under age 26 (under age 25 in TX). The member and spouse must be enrolled prior to their 65th birthday and coverage ends on their 65th birthday. Coverage ends for dependent children on their 26th birthday (25th birthday in TX).

Pre-existing Conditions Limitation:
There is no coverage for a Pre-Existing Condition until the earlier of the end of 6 consecutive months beginning on or after the Covered Person's Effective Date of Coverage, during which the Covered Person has not received medical advice or treatment in connection with such Pre-Existing Condition.

This Pre-Existing Condition Limitation only applies to the following Benefits: Hospital Admission Benefit, Hospital Confinement Benefit, Inpatient and Outpatient Surgery Benefit, and Inpatient and Outpatient Surgery Anesthesia Benefit

This Pre-Existing Condition Limitation does not apply to a newborn or newly adopted Child or Child under petition for adoption under the age of 18 if the Child is enrolled for coverage within 90-days from the date of birth, or the 60-day period beginning on the date of adoption or filing of a petitioner of adoption.

Written notice of Claim must be givin within 30-days after a Covered Loss occurs or begins or as soon as reasonably possible.

90 Day Loss Period: Proof of loss must be provided within 90-days from the date of such loss.

Please read the full terms, definitions, limitations, and exclusions in your Group Policy and Certificate of Insurance and Riders. Coverage could vary or may not be available in all states.

Insurance coverage underwritten by United States Fire Insurance Company.

[4960683]

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Critical Illness Rider

Pays the percentage of the Critical Illness Benefit Amount, shown in the Rider Schedule of Benefits, if the Covered Person is First Diagnosed with a Critical Illness Covered Condition listed in the Rider Schedule of Benefits after their effective date of coverage under the Rider and after the Critical Illness Benefit Waiting Period shown in the Rider Schedule of Benefits.

$10,000 Critical Illness Benefit Amount per Covered Person.

Only paid once per Covered Person's lifetime and not payable for conditions other than the Critical Illness Conditions shown in the Rider Schedule of Benefits.

The Critical Illness Benefit Waiting Period is 30 days per Covered Person.

Available to all active members of the United Business Association (UBA), ages 18 to under 65 who have chosen to enroll themselves in the Sm&rt Med Value membership plan option and their enrolled Spouse age 18 to under age 65 as well as their enrolled dependent children under age 26 (under age 25 in TX). The member and spouse must be enrolled prior to their 65th birthday and coverage ends on their 65th birthday. Coverage ends for dependent children on their 26th birthday (25th birthday in TX).

If the Covered Person's condition is First Diagnosed during the Critical Illness Benefit Waiting Period, no benefits will be payable.

Please make sure to read the full terms, definitions, limitations, and exclusions in the Certificate of Insurance and Rider. Coverage could vary or may not be available in all states.

Insurance coverage underwritten by United States Fire Insurance Company.

[4960683]

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Benefit Boost Services are NOT insurance. They are separate from the insurance benefits included in Sm&rt Med Value membership plan. The insurance companies underwriting the insurance benefits are not affiliated with these or any other non-insurance services or programs offered in conjunction with UBA Membership.

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Direct Primary Care Plus

Healthcare2U's direct primary care membership is designed to simplify and personalize the way you experience healthcare. With their nationwide Private Physician Network (PPN)^™ and Patient Advocacy concierge service, you receive consistent, affordable, and convenient care with unlimited access to primary, chronic, and urgent care services, anywhere in the U.S.

DPC Plus is not insurance, but is a healthcare membership with an innovative alternative payment model that consists of a flat and affordable membership fee. This membership provides unlimited access to primary, chronic, and urgent care services but does not include insurance coverages such as hospitalization or critical illness.

DPC Plus is part of the Benefit Boost family of subscription membership programs.

THIS IS NOT INSURANCE. It is a membership that provides unlimited access to certain healthcare services, but does NOT provide insurance coverage.

DPC Plus membership does not include inpatient or outpatient hospital services or critical illness.

Membership is available to member and spouse age 18 to 64. Membership is available to dependent children age 2 to 25. Children under age 2 or age 26 or older are not eligible for membership.

Healthcare2U is not available to any member on Medicare, Medicaid, or Tricare.

¹Walk-in visits are not allowed. All doctor and urgent care visits require and appointment scheduled through Healthcare2U's Patient Advocacy Line (PAL)^™ and all care is provided through Healthcare2U's physician network. In-office appointments can be scheduled within business hours only (Monday through Friday, 7am to 6pm CST).

²Healthcare2U's Patient Advocates may direct the member to another level of care if appropriate, depending on the member's condition and utilization of services.

³Healthcare2U does not provide specialty care outside of network partner-physician clinics. If Member currently sees a specialist for an advanced disease state, we do not recommend leaving that specialist.

⁴Telehealth services are provided through third-party organizations and are not connected to Healthcare2U.

⁵Well-woman pap smear pathology interpretation is not included in the annual physical. Annual physical is not available during the first six months from your membership effective date.

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SML Dental Discount Program

Discount Dental Disclosure
This plan is NOT insurance. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. Discounts on hospital services are not available in Maryland. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. The Discount Plan Organization Gallagher Affinity Insurance Services, Inc., at 2850 W. Golf Road, Rolling Meadows, IL 60008, 1-866-215-1376. To view a list of participating providers visit www.findbestbenefits.com and enter promo code 725324. You have the right to cancel this plan within 30 days of the effective date for a full refund of fees paid. Such refunds are issued within 30 days of request.

Members can save 15% to 50%¹ per visit, in most instances, on services at any of the many available dental practice locations nationwide. Services include cleanings, x-rays, fillings, root canals and crowns.

Members can also save on specialty care services including orthodontics and periodontics where available.

THIS IS NOT INSURANCE

¹Actual costs and savings may vary by provider, service and geographic location. We use the national average of Fair Health data to determine the average costs, as shown on the chart.

The discount program provides access to the Aetna Dental Access^® network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent representative, or employee of the discount program. Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.

This benefit is not available in AK, CT, IA, MA, RI, UT, VT and WA. This benefit is not available to residents of Vermont.

Full terms, conditions and disclosures

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Paramount RX Prescription Discount Drug Program

Retail Pharmacies

Paramount RX^® is a nationally recognized prescription discount program that provides discounts on all FDA approved prescription drugs. The nationwide network includes over 57,000 pharmacies, including all national and regional chains, as well as many local community pharmacies.

Pet Medications

Members can save hundreds of dollars or more per year on pet medications with retail pharmacy and online discounts. Our Pet RX customer service team is also available to assist utilizing the program for maximum savings.

¹ Savings can vary greatly depending on the individual drug and the participating pharmacy. The agreed upon discount rates and network prices can vary by pharmacy contract. It is important to research pharmacies in your community to find the best available price using the online search tool. In any case where the participating pharmacy's retail price is lower than the discounted network price, you will pay the lower retail price.

This is not insurance -- discount only.

There is no cost to the member for this FREE prescription discount card. Read the guide carefully. This is a brief description of a prescription discount program through Paramount RX® and is not an insurance contract. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c. 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. Not all services are available in all states.

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Free Multi-Vitamins

This private-label program provides the same quality vitamins as are currently found on the shelves of pharmacies, supermarkets, and other retail outlets. The multi-vitamins your family will receive are one of the leading brands sold by healthcare professionals.

Multi-vitamins are available free of charge as a subscription service for members actively enrolled in Benefit Boost 1.0.

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FamilySource^®

No matter how resourceful you are, we can all use a little help now and then. Whether you are a new parent, a caregiver for an elder, sending a child off to college, buying a car or doing home repairs, you're sure to have questions or need resource referrals.

Information tailored to your needs is available to you within two to three business days, but can be available sooner in certain circumstances.

Our specialists hold bachelor's or master's degrees and have experience in child care, assisted living, nursing homes, home health care, special needs programs, disability programs, adoption organizations, schools, event planning companies and corporate environments.

This is not insurance.

FamilySource^® is a registered trademark of ComPsych^® Corporation

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LifeLock^™ Identity Theft Protection

Identity theft is a crime in which someone accesses information to commit fraud, typically by getting false credentials, opening new accounts in someone else's name or using someone else's existing accounts.

There are a lot of ways identity theft can happen, and once hackers or other criminals have your information, they could impersonate you, max out your credit cards, open new accounts in your name, rent an apartment, steal your frequent-flyer miles or act out a number of other bad-guy fantasies.

LifeLock^™ is a leader in identity theft protection, with three plan levels to choose from that:

^*Discount rate and savings based on discount pricing and retail renewal pricing, as of January 2021.

Term and conditions apply. No one can prevent all cybercrime or prevent all identity theft. Visit LifeLock.com for terms, conditions, and limitations of LifeLock^™ identity theft protection.

Norton and LifeLock are trademarks of NortonLifeLock Inc. United Business Association, Healthy America Insurance Agency, Inc, and H A Partners, Inc. are not a paid affiliates of LifeLock and does not receive any commission from LifeLock or NortonLifeLock Inc. UBA, HealthyAmerica, & H A Partners, Inc. are not liable for claims, damages, losses, expenses, costs, or liabilities whatsoever arising from or associated with identity theft protection services purchased through LifeLock.

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Cost Transparency

Current rate(s) for insurance coverage included in Sm&rt Med Value membership plan and underwritten by United States Fire Insurance Company:

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30-Day Satisfaction Assurance Policy for Sm&rt Med Value

If for any reason you are not completely satisfied with your enrollment, just notify us anytime up to thirty (30) days after your Effective Date to cancel and receive a full refund of all dues, premiums, or fees paid.

Notice: for any enrollment in a program or plan that provides insurance benefits or coverage, enrollment costs cannot be refunded if an insurance claim has been filed.

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This is a brief description of the benefits included with Sm&rt Med Value membership plan. Be sure to carefully review the Certificate(s) of Insurance and Rider, provided below, as the Certificate(s) and Rider provides the official explanations of insurance benefits specific to your state, and include all terms, conditions, limitations, and exclusions related to the insurance coverage. If there are any discrepancies between the benefit descriptions provided above and the Certificate and Rider, the Certificate and Rider will govern.

You must be a member of the United Business Association (UBA) in order to enroll in the Sm&rt Med Value membership plan. Membership dues are $10 per month for the entire family and are separate from the Sm&rt Med Value membership plan costs. View for Membership details.

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Sm&rt Med Value Certificates of Insurance

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Sm&rt Med Basic

Group Insurance benefits for Hospitalizations, Surgeries, Wellness, Diagnostic, Emergency Care, & Critical Illness | & includes Benefit Boost 4.0

ALL INSURANCE BENEFIT COMPONENTS PROVIDE LIMITED COVERAGE ONLY. THIS IS NOT COMPREHENSIVE MAJOR MEDICAL INSURANCE, and should not be purchased to replace any major medical insurance you currently have in force. Sm&rt Med Value is optionally available to members of the United Business Association only.

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Group Benefits Fixed Indemnity Insurance

Benefits are subject to the Maximum Benefit amounts and other terms or limits, such as number of sessions, shown in the Schedule of Benefits. Benefits will not duplicate any other benefits payable under the Certificate or any coverage attached to the Certificate unless otherwise stated in the Schedule of Benefits.

Available to all active members of the United Business Association (UBA), ages 18 to under 65 who have chosen to enroll themselves in the Sm&rt Med Basic membership plan option and their enrolled Spouse age 18 to under age 65 as well as their enrolled dependent children under age 26 (under age 25 in TX). The member and spouse must be enrolled prior to their 65th birthday and coverage ends on their 65th birthday. Coverage ends for dependent children on their 26th birthday (25th birthday in TX).

Pre-existing Conditions Limitation:
There is no coverage for a Pre-Existing Condition until the earlier of the end of 6 consecutive months beginning on or after the Covered Person's Effective Date of Coverage, during which the Covered Person has not received medical advice or treatment in connection with such Pre-Existing Condition.

This Pre-Existing Condition Limitation only applies to the following Benefits: Hospital Admission Benefit, Hospital Confinement Benefit, Inpatient and Outpatient Surgery Benefit, and Inpatient and Outpatient Surgery Anesthesia Benefit

This Pre-Existing Condition Limitation does not apply to a newborn or newly adopted Child or Child under petition for adoption under the age of 18 if the Child is enrolled for coverage within 90-days from the date of birth, or the 60-day period beginning on the date of adoption or filing of a petitioner of adoption.

Written notice of Claim must be givin within 30-days after a Covered Loss occurs or begins or as soon as reasonably possible.

90 Day Loss Period: Proof of loss must be provided within 90-days from the date of such loss.

Please read the full terms, definitions, limitations, and exclusions in your Group Policy and Certificate of Insurance and Riders. Coverage could vary or may not be available in all states.

Insurance coverage underwritten by United States Fire Insurance Company.

[4960635]

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Critical Illness Rider

Pays the percentage of the Critical Illness Benefit Amount, shown in the Rider Schedule of Benefits, if the Covered Person is First Diagnosed with a Critical Illness Covered Condition listed in the Rider Schedule of Benefits after their effective date of coverage under the Rider and after the Critical Illness Benefit Waiting Period shown in the Rider Schedule of Benefits.

$5,000 Critical Illness Benefit Amount per Covered Person.

Only paid once per Covered Person's lifetime and not payable for conditions other than the Critical Illness Conditions shown in the Rider Schedule of Benefits.

The Critical Illness Benefit Waiting Period is 30 days per Covered Person.

Available to all active members of the United Business Association (UBA), ages 18 to under 65 who have chosen to enroll themselves in the Sm&rt Med Value membership plan option and their enrolled Spouse age 18 to under age 65 as well as their enrolled dependent children under age 26 (under age 25 in TX). The member and spouse must be enrolled prior to their 65th birthday and coverage ends on their 65th birthday. Coverage ends for dependent children on their 26th birthday (25th birthday in TX).

If the Covered Person's condition is First Diagnosed during the Critical Illness Benefit Waiting Period, no benefits will be payable.

Please make sure to read the full terms, definitions, limitations, and exclusions in the Certificate of Insurance and Rider. Coverage could vary or may not be available in all states.

Insurance coverage underwritten by United States Fire Insurance Company.

[4960635]

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Benefit Boost Services are NOT insurance. They are separate from the insurance benefits included in Sm&rt Med Value membership plan. The insurance companies underwriting the insurance benefits are not affiliated with these or any other non-insurance services or programs offered in conjunction with UBA Membership.

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Direct Primary Care Plus

Healthcare2U's direct primary care membership is designed to simplify and personalize the way you experience healthcare. With their nationwide Private Physician Network (PPN)^™ and Patient Advocacy concierge service, you receive consistent, affordable, and convenient care with unlimited access to primary, chronic, and urgent care services, anywhere in the U.S.

DPC Plus is not insurance, but is a healthcare membership with an innovative alternative payment model that consists of a flat and affordable membership fee. This membership provides unlimited access to primary, chronic, and urgent care services but does not include insurance coverages such as hospitalization or critical illness.

DPC Plus is part of the Benefit Boost family of subscription membership programs.

THIS IS NOT INSURANCE. It is a membership that provides unlimited access to certain healthcare services, but does NOT provide insurance coverage.

DPC Plus membership does not include inpatient or outpatient hospital services or critical illness.

Membership is available to member and spouse age 18 to 64. Membership is available to dependent children age 2 to 25. Children under age 2 or age 26 or older are not eligible for membership.

Healthcare2U is not available to any member on Medicare, Medicaid, or Tricare.

¹Walk-in visits are not allowed. All doctor and urgent care visits require and appointment scheduled through Healthcare2U's Patient Advocacy Line (PAL)^™ and all care is provided through Healthcare2U's physician network. In-office appointments can be scheduled within business hours only (Monday through Friday, 7am to 6pm CST).

²Healthcare2U's Patient Advocates may direct the member to another level of care if appropriate, depending on the member's condition and utilization of services.

³Healthcare2U does not provide specialty care outside of network partner-physician clinics. If Member currently sees a specialist for an advanced disease state, we do not recommend leaving that specialist.

⁴Telehealth services are provided through third-party organizations and are not connected to Healthcare2U.

⁵Well-woman pap smear pathology interpretation is not included in the annual physical. Annual physical is not available during the first six months from your membership effective date.

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SML Dental Discount Program

Discount Dental Disclosure
This plan is NOT insurance. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. Discounts on hospital services are not available in Maryland. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. The Discount Plan Organization Gallagher Affinity Insurance Services, Inc., at 2850 W. Golf Road, Rolling Meadows, IL 60008, 1-866-215-1376. To view a list of participating providers visit www.findbestbenefits.com and enter promo code 725324. You have the right to cancel this plan within 30 days of the effective date for a full refund of fees paid. Such refunds are issued within 30 days of request.

Members can save 15% to 50%¹ per visit, in most instances, on services at any of the many available dental practice locations nationwide. Services include cleanings, x-rays, fillings, root canals and crowns.

Members can also save on specialty care services including orthodontics and periodontics where available.

THIS IS NOT INSURANCE

¹Actual costs and savings may vary by provider, service and geographic location. We use the national average of Fair Health data to determine the average costs, as shown on the chart.

The discount program provides access to the Aetna Dental Access^® network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent representative, or employee of the discount program. Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.

This benefit is not available in AK, CT, IA, MA, RI, UT, VT and WA. This benefit is not available to residents of Vermont.

Full terms, conditions and disclosures

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Paramount RX Prescription Discount Drug Program

Retail Pharmacies

Paramount RX^® is a nationally recognized prescription discount program that provides discounts on all FDA approved prescription drugs. The nationwide network includes over 57,000 pharmacies, including all national and regional chains, as well as many local community pharmacies.

Pet Medications

Members can save hundreds of dollars or more per year on pet medications with retail pharmacy and online discounts. Our Pet RX customer service team is also available to assist utilizing the program for maximum savings.

¹ Savings can vary greatly depending on the individual drug and the participating pharmacy. The agreed upon discount rates and network prices can vary by pharmacy contract. It is important to research pharmacies in your community to find the best available price using the online search tool. In any case where the participating pharmacy's retail price is lower than the discounted network price, you will pay the lower retail price.

This is not insurance -- discount only.

There is no cost to the member for this FREE prescription discount card. Read the guide carefully. This is a brief description of a prescription discount program through Paramount RX® and is not an insurance contract. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c. 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. Not all services are available in all states.

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Free Multi-Vitamins

This private-label program provides the same quality vitamins as are currently found on the shelves of pharmacies, supermarkets, and other retail outlets. The multi-vitamins your family will receive are one of the leading brands sold by healthcare professionals.

Multi-vitamins are available free of charge as a subscription service for members actively enrolled in Benefit Boost 1.0.

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FamilySource^®

No matter how resourceful you are, we can all use a little help now and then. Whether you are a new parent, a caregiver for an elder, sending a child off to college, buying a car or doing home repairs, you're sure to have questions or need resource referrals.

Information tailored to your needs is available to you within two to three business days, but can be available sooner in certain circumstances.

Our specialists hold bachelor's or master's degrees and have experience in child care, assisted living, nursing homes, home health care, special needs programs, disability programs, adoption organizations, schools, event planning companies and corporate environments.

This is not insurance.

FamilySource^® is a registered trademark of ComPsych^® Corporation

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LifeLock^™ Identity Theft Protection

Identity theft is a crime in which someone accesses information to commit fraud, typically by getting false credentials, opening new accounts in someone else's name or using someone else's existing accounts.

There are a lot of ways identity theft can happen, and once hackers or other criminals have your information, they could impersonate you, max out your credit cards, open new accounts in your name, rent an apartment, steal your frequent-flyer miles or act out a number of other bad-guy fantasies.

LifeLock^™ is a leader in identity theft protection, with three plan levels to choose from that:

^*Discount rate and savings based on discount pricing and retail renewal pricing, as of January 2021.

Term and conditions apply. No one can prevent all cybercrime or prevent all identity theft. Visit LifeLock.com for terms, conditions, and limitations of LifeLock^™ identity theft protection.

Norton and LifeLock are trademarks of NortonLifeLock Inc. United Business Association, Healthy America Insurance Agency, Inc, and H A Partners, Inc. are not a paid affiliates of LifeLock and does not receive any commission from LifeLock or NortonLifeLock Inc. UBA, HealthyAmerica, & H A Partners, Inc. are not liable for claims, damages, losses, expenses, costs, or liabilities whatsoever arising from or associated with identity theft protection services purchased through LifeLock.

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Cost Transparency

Current rate(s) for insurance coverage included in Sm&rt Med Basic membership plan and underwritten by United States Fire Insurance Company:

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30-Day Satisfaction Assurance Policy for Sm&rt Med Basic

If for any reason you are not completely satisfied with your enrollment, just notify us anytime up to thirty (30) days after your Effective Date to cancel and receive a full refund of all dues, premiums, or fees paid.

Notice: for any enrollment in a program or plan that provides insurance benefits or coverage, enrollment costs cannot be refunded if an insurance claim has been filed.

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This is a brief description of the benefits included with Sm&rt Med Basic membership plan. Be sure to carefully review the Certificate(s) of Insurance and Rider, provided below, as the Certificate(s) and Rider provides the official explanations of insurance benefits specific to your state, and include all terms, conditions, limitations, and exclusions related to the insurance coverage. If there are any discrepancies between the benefit descriptions provided above and the Certificate and Rider, the Certificate and Rider will govern.

You must be a member of the United Business Association (UBA) in order to enroll in the Sm&rt Med Basic membership plan. Membership dues are $10 per month for the entire family and are separate from the Sm&rt Med Basic membership plan costs. View for Membership details.

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Sm&rt Med Basic Certificates of Insurance

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Bright Med

Group Insurance benefits for Hospitalizations, Surgeries, Diagnostic, Emergency Care, & Critical Illness | & includes Benefit Boost 1.0

ALL INSURANCE BENEFIT COMPONENTS PROVIDE LIMITED COVERAGE ONLY. THIS IS NOT COMPREHENSIVE MAJOR MEDICAL INSURANCE, and should not be purchased to replace any major medical insurance you currently have in force. Bright Med is optionally available to members of the United Business Association only.

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Group Hospital Indemnity Insurance

Benefits are subject to the Maximum Benefit amounts and other terms or limits, such as maximum number of daily benefits, shown in the Schedule of Benefits.

Available to all active members of the United Business Association (UBA), ages 18 to under 65 who have chosen to enroll themselves in the Bright Med membership plan option and their enrolled Spouse age 18 to under age 65 as well as their enrolled dependent children under age 26 (under age 25 in MO). The member and spouse must be enrolled prior to their 65th birthday and coverage ends on their 65th birthday. Coverage ends for dependent children on their 26th birthday (25th birthday in MO).

Pre-existing Conditions Limitation:
We will not cover any loss due to a Pre-Existing Condition if the loss begins within 6 months after the Covered Person's effective date of insurance.

Please read the Certificate of Insurance for full limitation definition and details and any state variations of this limitation.

Written notice of Claim must be givin within 30-days after a Covered Loss occurs or begins or as soon as reasonably possible.

90 Day Loss Period: Proof of loss must be provided within 90-days from the date of such loss.

Please read the full terms, definitions, limitations, and exclusions in the Certificates of Insurance. Coverage could vary or may not be available in all states.

Insurance coverage underwritten by SiriusPoint America Insurance Company.

HASA-HI-1001

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Group Critical Illness

Pays the percentage of the Critical Illness Benefit Amount, shown in the Rider Schedule of Benefits, if the Covered Person is First Diagnosed with a Critical Illness Covered Condition listed in the Certificate of Insurance Schedule of Benefits after their effective date of coverage.

$25,000 Critical Illness Benefit Amount -Member & Dependent Spouse

$6,250 Critical Illness Benefit Amount - Dependent Child

Maximum Beneit (all Categories) - 200% of the Amount of Insurance

Available to all active members of the United Business Association (UBA), ages 18 to under 65 who have chosen to enroll themselves in the Bright Med membership plan option and their enrolled Spouse age 18 to under age 65 as well as their enrolled dependent children under age 26 (under age 25 in MO). The member and spouse must be enrolled prior to their 65th birthday and coverage ends on their 65th birthday. Coverage ends for dependent children on their 26th birthday (25th birthday in MO).

Please make sure to read the full terms, definitions, limitations, and exclusions in the Certificate of Insurance. Coverage could vary or may not be available in all states.

Insurance coverage underwritten by SiriusPoint America Insurance Company.

HASA-CI-1001

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Benefit Boost Services are NOT insurance. They are separate from the insurance benefits included in Bright Med. The insurance companies underwriting the insurance benefits are not affiliated with these or any other non-insurance services or programs offered in conjunction with UBA Membership.

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Lyric Health Virtual Visits (Virtual Urgent Care and Talk Therapy)

Receive medical care or professional counseling from the comfort and privacy of your own home or office with Lyric Virtual Visits.¹

Lyric Virtual Visits is part of the Benefit Boost family of subscription membership programs.

THIS IS NOT INSURANCE.

The program is available to member, spouse or domestic partner, and children age 2+ (if enrolled in Benefit Boost Subscription application or later added)

¹Licensed healthcare providers provide clinical services through medical practices affiliated with Lyric and other network providers. Additional or different telehealth requirements may be applicable in certain states; visit getlyric.com for full terms and conditions.

²Lyric does not prescribe DEA controlled substances, lifestyle drugs, and certain other drugs which may be harmful because of their potential for abuse. Lyric does not guarantee that a prescription will be written. Lyric physicians reserve the right to deny care for potential misuse of services.

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SML Dental Discount Program

Discount Dental Disclosure
This plan is NOT insurance. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. Discounts on hospital services are not available in Maryland. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. The Discount Plan Organization Gallagher Affinity Insurance Services, Inc., at 2850 W. Golf Road, Rolling Meadows, IL 60008, 1-866-215-1376. To view a list of participating providers visit www.findbestbenefits.com and enter promo code 725324. You have the right to cancel this plan within 30 days of the effective date for a full refund of fees paid. Such refunds are issued within 30 days of request.

Members can save 15% to 50%¹ per visit, in most instances, on services at any of the many available dental practice locations nationwide. Services include cleanings, x-rays, fillings, root canals and crowns.

Members can also save on specialty care services including orthodontics and periodontics where available.

THIS IS NOT INSURANCE

¹Actual costs and savings may vary by provider, service and geographic location. We use the national average of Fair Health data to determine the average costs, as shown on the chart.

The discount program provides access to the Aetna Dental Access^® network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent representative, or employee of the discount program. Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.

This benefit is not available in AK, CT, IA, MA, RI, UT, VT and WA. This benefit is not available to residents of Vermont.

Full terms, conditions and disclosures

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Paramount RX Prescription Discount Drug Program

Retail Pharmacies

Paramount RX^® is a nationally recognized prescription discount program that provides discounts on all FDA approved prescription drugs. The nationwide network includes over 57,000 pharmacies, including all national and regional chains, as well as many local community pharmacies.

Pet Medications

Members can save hundreds of dollars or more per year on pet medications with retail pharmacy and online discounts. Our Pet RX customer service team is also available to assist utilizing the program for maximum savings.

¹ Savings can vary greatly depending on the individual drug and the participating pharmacy. The agreed upon discount rates and network prices can vary by pharmacy contract. It is important to research pharmacies in your community to find the best available price using the online search tool. In any case where the participating pharmacy's retail price is lower than the discounted network price, you will pay the lower retail price.

This is not insurance -- discount only.

There is no cost to the member for this FREE prescription discount card. Read the guide carefully. This is a brief description of a prescription discount program through Paramount RX® and is not an insurance contract. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c. 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. Not all services are available in all states.

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Free Multi-Vitamins

This private-label program provides the same quality vitamins as are currently found on the shelves of pharmacies, supermarkets, and other retail outlets. The multi-vitamins your family will receive are one of the leading brands sold by healthcare professionals.

Multi-vitamins are available free of charge as a subscription service for members actively enrolled in Benefit Boost 1.0.

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FamilySource^®

No matter how resourceful you are, we can all use a little help now and then. Whether you are a new parent, a caregiver for an elder, sending a child off to college, buying a car or doing home repairs, you're sure to have questions or need resource referrals.

Information tailored to your needs is available to you within two to three business days, but can be available sooner in certain circumstances.

Our specialists hold bachelor's or master's degrees and have experience in child care, assisted living, nursing homes, home health care, special needs programs, disability programs, adoption organizations, schools, event planning companies and corporate environments.

This is not insurance.

FamilySource^® is a registered trademark of ComPsych^® Corporation

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LifeLock^™ Identity Theft Protection

Identity theft is a crime in which someone accesses information to commit fraud, typically by getting false credentials, opening new accounts in someone else's name or using someone else's existing accounts.

There are a lot of ways identity theft can happen, and once hackers or other criminals have your information, they could impersonate you, max out your credit cards, open new accounts in your name, rent an apartment, steal your frequent-flyer miles or act out a number of other bad-guy fantasies.

LifeLock^™ is a leader in identity theft protection, with three plan levels to choose from that:

^*Discount rate and savings based on discount pricing and retail renewal pricing, as of January 2021.

Term and conditions apply. No one can prevent all cybercrime or prevent all identity theft. Visit LifeLock.com for terms, conditions, and limitations of LifeLock^™ identity theft protection.

Norton and LifeLock are trademarks of NortonLifeLock Inc. United Business Association, Healthy America Insurance Agency, Inc, and H A Partners, Inc. are not a paid affiliates of LifeLock and does not receive any commission from LifeLock or NortonLifeLock Inc. UBA, HealthyAmerica, & H A Partners, Inc. are not liable for claims, damages, losses, expenses, costs, or liabilities whatsoever arising from or associated with identity theft protection services purchased through LifeLock.

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Cost Transparency

Current rate(s) for insurance coverage included in Bright Med membership plan and underwritten by SiriusPoint America Insurance Company:

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30-Day Satisfaction Assurance Policy for Bright Med

If for any reason you are not completely satisfied with your enrollment, just notify us anytime up to thirty (30) days after your Effective Date to cancel and receive a full refund of all dues, premiums, or fees paid.

Notice: for any enrollment in a program or plan that provides insurance benefits or coverage, enrollment costs cannot be refunded if an insurance claim has been filed.

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This is a brief description of the benefits included with Bright Med membership plan. Be sure to carefully review the Certificate(s) of Insurance, provided below, as the Certificate(s) provides the official explanations of insurance benefits specific to your state, and include all terms, conditions, limitations, and exclusions related to the insurance coverage. If there are any discrepancies between the benefit descriptions provided above and the Certificates, the Certificates will govern.

You must be a member of the United Business Association (UBA) in order to enroll in the Bright Med membership plan. Membership dues are $10 per month for the entire family and are separate from the Bright Med membership plan costs. View for Membership details.

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Bright Med Certificates of Insurance

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Bright Med (OH)

Group Insurance benefits for Hospitalizations, Surgeries, Diagnostic, Emergency Care, & Critical Illness | & includes Benefit Boost 1.0

ALL INSURANCE BENEFIT COMPONENTS PROVIDE LIMITED COVERAGE ONLY. THIS IS NOT COMPREHENSIVE MAJOR MEDICAL INSURANCE, and should not be purchased to replace any major medical insurance you currently have in force. Bright Med is optionally available to members of the United Business Association only.

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Group Hospital Indemnity Insurance

Benefits are subject to the Maximum Benefit amounts and other terms or limits, such as maximum number of daily benefits, shown in the Schedule of Benefits.

Available to all active members of the United Business Association (UBA), ages 18 to under 65 who have chosen to enroll themselves in the Bright Med membership plan option and their enrolled Spouse age 18 to under age 65 as well as their enrolled dependent children under age 26. The member and spouse must be enrolled prior to their 65th birthday and coverage ends on their 65th birthday. Coverage ends for dependent children on their 26th birthday.

Pre-existing Conditions Limitation:
We will not cover any loss due to a Pre-Existing Condition if the loss begins within 6 months after the Covered Person's effective date of insurance.

Please read the Certificate of Insurance for full limitation definition and details and any state variations of this limitation.

Written notice of Claim must be givin within 30-days after a Covered Loss occurs or begins or as soon as reasonably possible.

90 Day Loss Period: Proof of loss must be provided within 90-days from the date of such loss.

Please read the full terms, definitions, limitations, and exclusions in the Certificates of Insurance. Coverage could vary or may not be available in all states.

Insurance coverage underwritten by SiriusPoint America Insurance Company.

HASA-HI-1001

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Group Critical Illness

Pays the percentage of the Critical Illness Benefit Amount, shown in the Rider Schedule of Benefits, if the Covered Person is First Diagnosed with a Critical Illness Covered Condition listed in the Certificate of Insurance Schedule of Benefits after their effective date of coverage.

$25,000 Critical Illness Benefit Amount -Member & Dependent Spouse

$6,250 Critical Illness Benefit Amount - Dependent Child

Maximum Beneit (all Categories) - 200% of the Amount of Insurance

Available to all active members of the United Business Association (UBA), ages 18 to under 65 who have chosen to enroll themselves in the Bright Med membership plan option and their enrolled Spouse age 18 to under age 65 as well as their enrolled dependent children under age 26. The member and spouse must be enrolled prior to their 65th birthday and coverage ends on their 65th birthday. Coverage ends for dependent children on their 26th birthday.

Please make sure to read the full terms, definitions, limitations, and exclusions in the Certificate of Insurance. Coverage could vary or may not be available in all states.

Insurance coverage underwritten by SiriusPoint America Insurance Company.

HASA-CI-1001

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Benefit Boost Services are NOT insurance. They are separate from the insurance benefits included in Bright Med (OH). The insurance companies underwriting the insurance benefits are not affiliated with these or any other non-insurance services or programs offered in conjunction with UBA Membership.

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Lyric Health Virtual Visits (Virtual Urgent Care and Talk Therapy)

Receive medical care or professional counseling from the comfort and privacy of your own home or office with Lyric Virtual Visits.¹

Lyric Virtual Visits is part of the Benefit Boost family of subscription membership programs.

THIS IS NOT INSURANCE.

The program is available to member, spouse or domestic partner, and children age 2+ (if enrolled in Benefit Boost Subscription application or later added)

¹Licensed healthcare providers provide clinical services through medical practices affiliated with Lyric and other network providers. Additional or different telehealth requirements may be applicable in certain states; visit getlyric.com for full terms and conditions.

²Lyric does not prescribe DEA controlled substances, lifestyle drugs, and certain other drugs which may be harmful because of their potential for abuse. Lyric does not guarantee that a prescription will be written. Lyric physicians reserve the right to deny care for potential misuse of services.

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SML Dental Discount Program

Discount Dental Disclosure
This plan is NOT insurance. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. Discounts on hospital services are not available in Maryland. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. The Discount Plan Organization Gallagher Affinity Insurance Services, Inc., at 2850 W. Golf Road, Rolling Meadows, IL 60008, 1-866-215-1376. To view a list of participating providers visit www.findbestbenefits.com and enter promo code 725324. You have the right to cancel this plan within 30 days of the effective date for a full refund of fees paid. Such refunds are issued within 30 days of request.

Members can save 15% to 50%¹ per visit, in most instances, on services at any of the many available dental practice locations nationwide. Services include cleanings, x-rays, fillings, root canals and crowns.

Members can also save on specialty care services including orthodontics and periodontics where available.

THIS IS NOT INSURANCE

¹Actual costs and savings may vary by provider, service and geographic location. We use the national average of Fair Health data to determine the average costs, as shown on the chart.

The discount program provides access to the Aetna Dental Access^® network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent representative, or employee of the discount program. Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.

This benefit is not available in AK, CT, IA, MA, RI, UT, VT and WA. This benefit is not available to residents of Vermont.

Full terms, conditions and disclosures

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Paramount RX Prescription Discount Drug Program

Retail Pharmacies

Paramount RX^® is a nationally recognized prescription discount program that provides discounts on all FDA approved prescription drugs. The nationwide network includes over 57,000 pharmacies, including all national and regional chains, as well as many local community pharmacies.

Pet Medications

Members can save hundreds of dollars or more per year on pet medications with retail pharmacy and online discounts. Our Pet RX customer service team is also available to assist utilizing the program for maximum savings.

¹ Savings can vary greatly depending on the individual drug and the participating pharmacy. The agreed upon discount rates and network prices can vary by pharmacy contract. It is important to research pharmacies in your community to find the best available price using the online search tool. In any case where the participating pharmacy's retail price is lower than the discounted network price, you will pay the lower retail price.

This is not insurance -- discount only.

There is no cost to the member for this FREE prescription discount card. Read the guide carefully. This is a brief description of a prescription discount program through Paramount RX® and is not an insurance contract. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c. 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. Not all services are available in all states.

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Free Multi-Vitamins

This private-label program provides the same quality vitamins as are currently found on the shelves of pharmacies, supermarkets, and other retail outlets. The multi-vitamins your family will receive are one of the leading brands sold by healthcare professionals.

Multi-vitamins are available free of charge as a subscription service for members actively enrolled in Benefit Boost 1.0.

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FamilySource^®

No matter how resourceful you are, we can all use a little help now and then. Whether you are a new parent, a caregiver for an elder, sending a child off to college, buying a car or doing home repairs, you're sure to have questions or need resource referrals.

Information tailored to your needs is available to you within two to three business days, but can be available sooner in certain circumstances.

Our specialists hold bachelor's or master's degrees and have experience in child care, assisted living, nursing homes, home health care, special needs programs, disability programs, adoption organizations, schools, event planning companies and corporate environments.

This is not insurance.

FamilySource^® is a registered trademark of ComPsych^® Corporation

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LifeLock^™ Identity Theft Protection

Identity theft is a crime in which someone accesses information to commit fraud, typically by getting false credentials, opening new accounts in someone else's name or using someone else's existing accounts.

There are a lot of ways identity theft can happen, and once hackers or other criminals have your information, they could impersonate you, max out your credit cards, open new accounts in your name, rent an apartment, steal your frequent-flyer miles or act out a number of other bad-guy fantasies.

LifeLock^™ is a leader in identity theft protection, with three plan levels to choose from that:

^*Discount rate and savings based on discount pricing and retail renewal pricing, as of January 2021.

Term and conditions apply. No one can prevent all cybercrime or prevent all identity theft. Visit LifeLock.com for terms, conditions, and limitations of LifeLock^™ identity theft protection.

Norton and LifeLock are trademarks of NortonLifeLock Inc. United Business Association, Healthy America Insurance Agency, Inc, and H A Partners, Inc. are not a paid affiliates of LifeLock and does not receive any commission from LifeLock or NortonLifeLock Inc. UBA, HealthyAmerica, & H A Partners, Inc. are not liable for claims, damages, losses, expenses, costs, or liabilities whatsoever arising from or associated with identity theft protection services purchased through LifeLock.

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Cost Transparency

Current rate(s) for insurance coverage included in Bright Med membership plan in Ohio and underwritten by SiriusPoint America Insurance Company:

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30-Day Satisfaction Assurance Policy for Bright Med

If for any reason you are not completely satisfied with your enrollment, just notify us anytime up to thirty (30) days after your Effective Date to cancel and receive a full refund of all dues, premiums, or fees paid.

Notice: for any enrollment in a program or plan that provides insurance benefits or coverage, enrollment costs cannot be refunded if an insurance claim has been filed.

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This is a brief description of the benefits included with Bright Med membership plan. Be sure to carefully review the Certificate(s) of Insurance, provided below, as the Certificate(s) provides the official explanations of insurance benefits specific to your state, and include all terms, conditions, limitations, and exclusions related to the insurance coverage. If there are any discrepancies between the benefit descriptions provided above and the Certificates, the Certificates will govern.

You must be a member of the United Business Association (UBA) in order to enroll in the Bright Med membership plan. Membership dues are $10 per month for the entire family and are separate from the Bright Med membership plan costs. View for Membership details.

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Bright Med Certificates of Insurance

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