Agents... enter here (become a VBA enroller)

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

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

How much coverage do you need?

Three plans to select from.  If bridging your high deductible
health plan, you should try to match your deductible.

Pays 100% of Covered Medical Expenses after satisfaction
of the $100  or  $250 Deductible up to the coverage maximum.
See plan options below

NEW CallMD, a network of medical doctors you can
call for a consultation or medical needs anytime, any day!

Also provides Accidental Death & Dismemberment Benefits

Benefits are paid directly to you. Use the payment
to pay your medical bills. This helps to satisfy  your
regular health plan's high deductible!

Option 1
$2,500 accident coverage

from Value Benefits of America, Inc.
 

Why purchase personal accident protection? 

The VBA accident protection can be used by itself to cover accidents or can coincide with your existing health insurance policy. As consumers, we often purchase PPO policies with high deductibles or high annual maximum out-of-pocket amounts in order to keep down our monthly premiums. The VBA accident protection can help to minimize those out of pocket costs from your regular health insurance plan, in the event of an accident.

Offset your high deductible health plan  (Perfect for those with HSA Plans)

Do you have an HSA or simply a high deductible health plan?  The VBA accident benefit plan fills the gap on your high deductible health insurance plan. For example, many HSA plans have a $2500 deductible or higher.  If a family member has an accident, the $2500 benefit from VBA would offset your health plan deductible. How can you go wrong.  Take advantage of this plan now!  (also available in $5,000 and $10,000 benefit plans as well).

Parents... do your kids play sports?

If you have teenagers, there's no doubt you have made a trip or two to the doctor's office or emergency room for the occasional skateboard, snowboard, snow ski, surfing, mountain bike or sports injury. Don't get stuck paying your PPO or HMO deductible and co-pay alone. Use your VBA accident benefit plan reimbursement to help offset your health insurance deductible and co-pay. 

Are you without any insurance at all?

There's no argument that individual health insurance can be expensive and sometimes hard to qualify for medically. For whatever reason, if you are going without health insurance, a VBA accident benefit plan may be a good "stop-gap" solution to protect you and your family, until you are able to add a health insurance policy.

Are you unable to qualify medically for health insurance?  An accident benefit plan will give you some peace of mind and protection, when you are going without any insurance at all.  For as little as $29.95 per month you can protect yourself and your family members against accidents. That's less than a dollar a day to protect you and your family. And there are no medical requirements.

• $2,500, $5,000, $7,500  or  $10,000 of Accident Coverage for Each Family Member per Occurrence For Medical Services.  Your choice of benefit level ($2500, $5000, $7,500  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 up to $4,000 for Emergency Helicopter Air Ambulance Service Worldwide

• Pays Directly to You, unless you assign

• Only $250 deductible for the $7,500  or  $10,000 plan or
  Only $100 Deductible for the $5,000 or $2,500 plans

• $2,500,  $5,000,  $7500  or  $10,000 Coverage for Each Family Member
  (depending on plan selected)

• 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.

Enrollment is simple! 

Simply click here for your online enrollment ...

That's it!

The plan becomes effective within a few days of enrollment.

You should receive your enrollment packet in the mail within 7 to 10 days.

Call if you have questions:  Sales at (800) 610-6418 

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.