Executive Diamond Level
Membership Overview
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Table of Contents
Benets for Your Professional Life
Heartland .............................................................................................................4
AIBC Advocacy ........................................................................................................4
Employee Talk ........................................................................................................4
Credit Card Processing ................................................................................................5
Customized Web Services .............................................................................................6
Finance Talk ...........................................................................................................6
HRA 105 ..............................................................................................................7
Lenovo ...............................................................................................................8
Trupoint Tax Service Online DIY Filing ..................................................................................8
ODP Business Solutions ...............................................................................................9
Penny Wise Oce Supplies Discount ...................................................................................9
Tax Talk ............................................................................................................. 10
UPS Discount ....................................................................................................... 10
Benets for Your Personal Life
1-800-Flowers Discount ............................................................................................. 11
Auto Rental Discount ............................................................................................... 11
Choice Hotels ....................................................................................................... 12
Hotel Engine ........................................................................................................ 12
Wyndham Hotels Discount .......................................................................................... 13
Red Roof Inn ........................................................................................................ 13
Motel 6 Discount .................................................................................................... 13
TravNow ............................................................................................................ 14
Moving Van Lines Discount .......................................................................................... 14
Nexit ............................................................................................................... 15
AIBC Scholarships ................................................................................................... 15
LifeLock® Identity Theft Protection ................................................................................... 16
Roadside Assistance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
SafetyNet Child ID Card Services ..................................................................................... 17
Saving Benet Perks Program ....................................................................................... 17
TrueCar
® ............................................................................................................ 18
Safelite
® AutoGlass ................................................................................................. 18
Benets for Your Health & Well-Being
24-Hour Nurse Helpline Plan ........................................................................................ 19
MDHearing ......................................................................................................... 19
Blanket Excess Medical Expense and Accidental Death and Dismemberment (AD&D) Coverage ........................ 20
Blanket Group Specied Disease/Illness & Blanket Group Accident Insurance ......................................... 22
Gateway Emergency Personal Health History Medicard ............................................................... 27
Vitamins and Nutritional Supplements ............................................................................... 27
MDLIVE ............................................................................................................. 28
Individual Vision Plans .............................................................................................. 31
Clever RX ........................................................................................................... 31
Travel Assistance Plan ............................................................................................... 32
SAFE4R ............................................................................................................. 34
Figo Pet Insurance .................................................................................................. 34
Z Dental ............................................................................................................ 35
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www.aibcoalition.com
An Important Message for Members
Dear Member:
The American Independent Business Coalition serves thousands of small business
owners, self-employed individuals, their employees, and families all across America.
Whether you own your own small business, are an employee of a small business,
or you support the idea of free enterprise, AIBC applauds your entrepreneurial
spirit and is committed to helping you keep more of your hard-earned money.
AIBC leverages the collective purchasing power of our Membership to provide
a wide range of benets, discounts, and privileges. The benets and privileges
of AIBC Membership are specially selected to meet the unique needs of our
Members.
Benets for Your Professional Life
For Members who are entrepreneurs and small business owners, AIBC oers
important business benets and resources to help get the job done on time and under budget.
Benets for Your Personal Life
For Members who are cost-conscious consumers, AIBC provides money-saving discounts on everyday items to help stretch
the household budget further.
Benets for Your Health and Well-Being
For Members who are concerned about their health and well-being, AIBC delivers a wide variety of medical, tness and
therapeutic resources to help every Member look and feel their best.
In addition to large group purchasing power and targeted benets, AIBC is “Lighting the Way” for its Members to gain
access to some of the most exible, money-saving innovations for health coverage in America. In addition to the blanket
coverage for all Members, AIBC oers interested Members access to unique and innovative underwritten insurance plans
that may not be available to the general public, such as the:
• Ability to tailor your health coverage, ensuring that you only pay for the coverage you want and need
• Ability to increase the benets of coverage on certain plans without additional underwriting, even during a claim
AIBC is focused on enhancing three key areas of your life - your career, your personal life and your general health - by
removing the nancial and knowledge hurdles you face every day. We encourage you to begin using your benets today,
and discover the dierence AIBC membership can make for you.
Sincerely,
American Independent Business Coalition
Membership available to the residents of the following states: AL, AR, AZ, CO, DE, GA, IA, IL, IN, KY, LA, MO, MI, MS, MT, NC, NE, OH, OK, PA,
SC, TN, TX, VA, WI, WV and WY.
Associations of all types have been a central part of American society since our country began.
"Americans of all ages, all stations in life, and all types of disposition are forever forming associations. There
are not only commercial and industrial associations in which all take part, but others of a thousand dierent
types - religious, moral, serious, futile, very general and very limited, immensely large and very minute .... At the
head of any new undertaking, where in France you would nd the government or in England some territorial
magnate, in the United States you are sure to nd an association."
Alexis de Tocqueville
Democracy in America, 1835
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AIBC Advocacy
Advocacy for Small Business
As an association, we have joined forces with other small business organizations
to represent you and the interests of small-business owners, the self-employed
and their employees in Washington, D.C. Our top priority is increasing the
voice of American business owners and their employees. We believe frank
communication on a regular basis with congressional leaders helps to promote
legislation targeted toward job creation, fairness in the tax code and fostering
an environment which allows American small businesses to prosper. We are
striving for our members to have an additional seat at the table.
Employee Talk
Answers to Employment Questions
Get reliable answers to your pressing business and human resource questions.
Employee Talk consultants will answer your questions via email by the next business
day. The members-only Employee Talk page on the AIBC website features video
guidance from experts, answers to frequently asked questions, and additional helpful
links for your small business employment issues.
Heartland
Do you want more from your payroll provider?
With Heartland, you have access to fast, secure, and simple payroll
solutions that can help you do so much more for your business.
Payroll Advantage:
• Payroll processing & tax management
• Recruiting & onboarding
• Work Opportunity Tax Credits
• HR & personnel management
• Rate lock pricing
• Time tracking, scheduling & PTO
Whatever your business type, you know what you need to keep your business thriving. Heartland is here to help
you make it happen. Welcome to the partnership that does more for your company. One Business. One Experience.
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AIBC Professional Benets
Credit Card Processing
Choose from three: FDMS, NTC and TransFirst
FDMS – First Data Merchant Services Partner with Express Merchant
Processing Solutions (EMPS) powered by First Data, a world leader in
payment processing, to provide you with lower transaction rates, faster
transaction times and reduced fraud and chargebacks.
Credit Card Acceptance – All major credit cards including VISA®,
MasterCard®, American Express®, Discover®, DinersClub® and JCB®.
First Data supports both PIN-secured and signature-base debit
transactions. PIN-secured debit is the fastest growing payment option.
TeleCheck - Reduced risk when accepting checks with check warranty and check verication services.
Application, monthly minimum, batch fees are waived and there is FREE online statements and reporting for
members. First Data has helped millions of businesses like yours bring fast, secure, eortless payments to their
customers and aordable support to their business.
NTC – National Transaction Corporation is a credit card processing company dedicated to servicing your SMB
related merchant account needs. Process all your sales transactions and service fees; both U.S. and Canada
merchants accepted; low rates starting at 2.19%; 24/7 customer service; PCI compliant software; no expensive
equipment required. There is a one-time $99 set up fee and $10 monthly service fee, but no monthly minimums
or annual fees. Member Service Provider for US Bank Minneapolis, MN.
TRANSFIRST – Looking for a way to better manage your time? Tired of matching checks to invoices and traveling
to the bank at night/on weekends to deposit checks? Want to receive your payment funds faster? Interested in a
real-time payment solution? Partner with TRANSFIRST today! Accepting credit card payments is simple, fast and
rates are competitive.
• Low Qualied Rates
• Low MOTO Rates
• NO transaction fees
• Discount on start-up fees
•
$15 monthly reporting fee (includes TransLink
Advanced Online Reporting System)!
Ask about our Package Deals, Wireless Terminal options, Check Processing Services and TransAction CentralTM web-
based processing solution. Visa/MasterCard processing provided by TRANSFIRST, LLC, a Registered Independent
Sales Organization of Columbus Bank & Trust, Columbus, Georgia.
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Customized Web Services
Website Design and Maintenance
NAC Web Services provides the advantage of Website development and
maintenance. NAC Web Services boasts an experienced sta of programmers
and graphic designers ready to work for you. All of the latest programming
capabilities—including HTML, ASP.NET, Flash, XML, and database connectivity—
are available to you as an association member. Our designs are crisp and clean,
blended with creativity, and custom-built to your Website specications. We
can also host your website with our own AxisConnect web hosting service.
With an Internet Website by NAC Web Services, your company can enjoy growth potential which is virtually
limitless! Members receive a 20% discount on the following services:
• Custom Web Design
• Evaluation and Re-Design of Current Sites
• Website Hosting
• Consulting on Viability of Internet Projects
• Internet Marketing
Finance Talk
Expert Financial Advice
Should you lease your next car or should you buy it? Should you
pay o your mortgage or invest in mutual funds? Are you saving
enough for retirement? These are only a few of the many nance
questions that you must answer every day. With AIBC’s Finance
Talk, you are no longer alone in nding the answers. AIBC provides
access to a team of experienced nance professionals to help you
with any nance question you might have. Simply submit your
condential question and receive a personal and specic answer
by the next business day.
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HRA 105
Health Reimbursement Arrangement for the Self-Employed With Only One Employee
The average married, self-employed sole proprietor with no employees, but whose spouse works in your business
can save over $3,000 in taxes by having a Health Reimbursement Arrangement under §105 of the Internal
Revenue Service Code (HRA 105).*
If you are self-employed, married, your spouse works in your business, and you have no other employees, you
may already qualify for an HRA 105 if you pay for any of the following medical-related expenses:
• Essential Health Benets Plan
• Excepted Benet Health Plan premiums
• Over the counter medications
• Eyeglasses
• Reimbursement of Deductibles and Copayments
•
Reimbursement of the following items not covered
by your insurance:
›
Chiropractic care, Podiatrist care, Dental care,
Prescriptions, Eye exams and other vision care,
Physician Oce visits, Diagnostic Screenings, Lab
and Tests, Acupuncture
The HRA 105 benet provides the married self-employed business owner the ability to deduct 100% of their
family's health insurance premiums as well as 100% of their non-insured medical expenses from state,
federal and self-employment taxes. The AIBC HRA 105 is easy to adopt, provides maximum exibility for your
business, and can help you save thousands of dollars starting right now.
If you are a married, self-employed business owner, how much could your family save with an HRA 105 plan?
Standard
Deduction
105/HRA
Deduction
Health Insurance Premiums: $4,800.00 $4,800.00
Out-of-Pocket Expense: $0.00* $7,500.00
Total Deduction: $4,800.00 $12,300.00
Federal Tax Savings: $720.00 $1,845.00
State Tax Savings: $0.00 $0.00
Self-Employment Tax Savings:
(Social Security & Medicare) $0.00 $1,881.90
Total Tax Savings: $720.00 $3,726.90
Additional HRA Tax Savings: $0.00 $3,006.90
Monthly Premium: $400.00
Total Tax Savings Per Month Including HRA Deduction: $310.58
Monthly Premium After Tax Savings: $89.42
Above Example Assumes:
Annual Health Insurance Premium Costs: $4,800.00
Annual Out-of-Pocket Medical Costs (excluding Premium): $7,500.00
Federal Tax Rate: 15%
State Tax Rate: 0%
Self-Employment Tax Rate: 15.3%
* Must exceed 10% AGI. Values are estimates only, your results may vary
AIBC makes starting an HRA 105 plan easy for our sole
proprietor members. The set of HRA plan documents
available on the AIBC website is specically designed
for only a married sole proprietor with no employees,
but whose spouse performs some services for the
business.* This set of documents should not be used
by any employer with more than one employee. If you
still have questions or need additional clarication,
CPAs will answer your HRA 105 questions by email
within the next business day.
*New federal regulations limit the use of HRA §105 plans to an employer with only one employee, unless the
employer (i) oers a coverage under a group health plan that provides “minimum essential coverage” under
the Aordable Care Act (“ACA”) to all employees within the aordability standards of the ACA, or (ii) the HRA
plan itself provides at the employer’s expense “minimum essential coverage” under the ACA. The set of HRA
documents available on the AIBC website was not designed or intended for use by any employer with more
than one employee, and should not be used for such purposes by any employer with more than one employee.
If you are an employer with more than one employee, you are strongly urged to seek advice from your CPA or
attorney before considering adopting any HRA plan for your employees because of the limitations of these new
federal regulations.
The set of HRA plan documents available on the AIBC website is specically designed for a married sole proprietor
with no employees, but whose spouse performs some services for the business. This set of documents should
not be used by any employer with more than one employee.
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Trupoint Tax Service Online DIY Filing
If you prefer to do your taxes on your own, save money and maximize your refund by using your easy to
use online interview-based platform.
Get started right now from your computer.
• Save up to 90% on more complex returns
• Free phone and email support
Trupoint Tax Service Mobile Filing
Quickly and easily le your taxes anytime, anywhere right from your phone.
• Visit the Google Play Store or Apple iTunes Store and search for the Trupoint Tax Service App
• Download the app onto your device and open the app
• Simply snap a few photos and follow the instructions. Our experts will handle the rest!
Lenovo
Association members save up to 30% on Lenovo products!
Members are eligible to receive discounts of up to 30% o the
everyday public web price on a wide range of Lenovo products,
including laptops, tablets, desktops, workstations, servers, accessories
and more! Take advantage of great deals on top products for the
home and oce, such as the award-winning ThinkPad laptops and
innovative multimode YOGA tablets.
Members also receive:
• Free Ground Shipping on all web orders
• Monthly Limited-Time Special Oers
• Award-Winning Service & Support
• Access to Energy-Ecient Green Technologies
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Penny Wise Oce Supplies Discount
Oce Supplies
Association members get huge selection, FREE fast
delivery and the guaranteed lowest prices on oce
products from Penny Wise. Penny Wise not only oers
the lowest prices, but also provides a huge selection
on over 20,000 items. Plus, delivery is free within the
contiguous U.S. and next day is virtually guaranteed
from Penny Wise’s 40 distribution centers nationwide.
Members get up to 36% o already discounted prices
for savings of up to 80% o suggested list price.
Penny Wise also oers an additional 3% savings when
orders are placed through its website (www.penny-
wise.com). And, members’ prices are guaranteed! If
a member buys a product from Penny Wise, sees it
advertised for less and sends the ad to Penny Wise
within 30 days, Penny Wise will refund the dierence
or credit the member’s account.
ODP Business Solutions
Oce Depot Business Solutions Division has been rebranded to ODP
Business Solutions™. Now a B2B-focused company serving small,
medium and enterprise level companies like yours. You’ll receive
savings of up to 75% on the Best Value List of preferred products with
free next-business-day delivery* or in-store and curbside pickup.**
*Free Delivery: Minimum purchase required after discounts and before taxes. Orders outside our local delivery area and most
furniture, oversized, bulk items, cases of bottled water and other beverages and special-order items do not qualify. Non-qualifying
orders incur a delivery charge (minimum charge of $9.99). Many orders can be delivered next business day (between 8:30 AM
and 5:00 PM) if placed online or via phone by 3:00 PM or via fax by 1:00 PM, local time (In most locations). Other restrictions apply.
**Curbside pickup is available in most stores, subject to state and local regulations. Orders must be placed 1 hour before store closing. See
odpbusiness.com, call 888.2.OFFICE or ask your Account Manager for details.
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Tax Talk
Answers to Tax Questions
From Schedule C to Form 941, AIBC Tax Talk consultants can answer your tax
questions quickly, so you can get on with building your business. All questions
are answered by a Certied Public Accountant via email by the next business
day. AIBC provides access to CPAs and tax professionals 24 hours a day, 7 days
a week to answer your specic tax questions. You may have questions about
auto deductions, the home oce deduction or how to calculate depreciation.
You may have questions about which entity form to choose, ling requirements
and estimated taxes. If you have a tax question, you can nd your answer here.
Simply submit your condential question and receive a personal and specic
answer by the next business day.
UPS Discount
Delivery Services
Flat Rate Discounts on Shipping. UPS took the guesswork out,
and put the easy in.
Get the exibility you need to capture the full benet of growth
opportunities: UPS’ logistics expertise and tools can help optimize
your supply chain and let you react quickly to shifting market needs.
American Independent Business Coalition members now have
access to new and improved at rate pricing - no matter how
much you ship, when you ship, or where it’s going.
UPS Service Member Discount
Domestic
UPS Next Day Air Early® 10%
UPS Domestic Next Day/Deferred 50%
UPS Ground Commercial/Residential 30%
UPS Freight®
Begin at 75% (shipments over 150lbs.)
In addition, members can take advantage of UPS Smart Pickup® service for free.
International
Exports 50%
Imports 40%
Canada Standard 25%
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1-800-Flowers Discount
Gifts & Flower Arrangements
As an association member, you can save 15%* when you order owers and/
or gifts from 1800Flowers.com, one of America’s top providers of oral and
specialty gifts.
You’ll enjoy top-quality customer service with same-day delivery on many
items. 1800Flowers.com and its gourmet food brand, 1800baskets.com, oers
a wide range of gifts: owers, plants, plush toys, and balloons, plus gourmet
food, gift baskets, cookies, brownies, popcorn, fruit, wine and spa products.
Whether for Get Well, New Baby, Just Because or Bereavement, 1800owers.
com has the right give for the right occasion.
*Prices & Discounts are exclusive of applicable service and shipping charges and taxes. Items may vary and are subject to availability, delivery
rules and times. Oers available online and by phone. Oers cannot be combined, are not available on all products and are subject to
restrictions, limitations and blackout periods. Prices and charges are subject to change without notice. Void where prohibited. © 2011
1800FLOWERS.COM, INC
Auto Rental Discount
Car, Van & Truck Rentals
Take advantage of aordable auto rental rates from Budget®, and
AVIS® Car Rental. Save up to 25% o Budget®, and AVIS® base rates
plus get other great oers.
When you rent a car, you shouldn’t need a handbook. Why not
choose simple, smart and easy on the wallet? Then you can focus
on getting there and having fun doing it.
Note: Some blackout dates and restrictions may apply. 24-hour advance
reservations are required.
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Choice Hotels
Connect the world through the power of hospitality!
Association members can save up to 20% o the Best Available Rate at
participating Choice Hotels.
Hotel Engine
Booking hotels for business travel has never been so simple!
Hotel Engine, a private hotel booking platform, connects anity organizations
and their members to deeply discounted hotel rates.
Top benets of your complimentary membership include:
• An average savings of 26% o public rates at 150,000+ hotels globally
• No contracts, annual fees, or spending minimums
• 24/7, U.S.-based customer support
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Motel 6 Discount
Motel 6 oers all association members a 10% discount!
Anytime that you are traveling, whether it is for business or pleasure, take advantage
of the member benet discount. Since Motel 6 is the lowest priced hotel of national
brand, the discount will help save you even more!
Red Roof Inn
Get comfort at an economical price at over 650 pet-friendly properties globally.
Association members receive a 15% discount on stays at all Red Roof Inn locations.
Wyndham Hotels Discount
Whether you are looking for an upscale hotel, an all-inclusive resort or something
more cost eective, association members can save on rooms at nearly 7,000
participating hotels worldwide. Wyndham Hotels are oering association
members 25% o the “Best Available Rate” at participating locations every
time you travel.
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TravNow
TravNow provides free access to a merchant network
that oers organizations a powerful way to make an
impact on their customers and members. It combines
the power of over 900 world-class brands with the
relevance of local merchants from every community
in America.
Our collection of over 300,000 in-store locations oers an unparalleled value of 10-50% in savings at the places
consumers shop every day in categories like:
• Dining & Food
• Apparel
• Electronic
• Hotel & Travel
• Movie Tickets
• Theme Parks
• Sporting Events
• Auto Care and more…
Moving Van Lines Discount
Relocation Services
Our Association has a special agreement with Cord North American, an agent for
North American Van Lines, that applies to relocation services for all members. This
agreement provides a substantial discount for our members. Cord North American
was selected to provide this relocation benet to members because of their ability
to oer reduced costs while still providing the highest level of service and customer
satisfaction. Association Members gain access to the certied Home-To-Home
Handling program and a single source of contact through NorthAmerican Van
Lines. The Home-To-Home Process includes professional packing, loading, and
transportation by North American’s top drivers, as well as unloading and unpacking.
Each relocation can be itemized to help with your needs, wants and/or budget. Cord North American is proud
to present relocation discounts, features and benets designed for our members. Estimates/Quotes are always
free of charge!
Other Services Available:
• Oce Moving
• Record Retention
• Logistics
• Warehousing
• Distribution
• International Services
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AIBC Scholarships
Educational Scholarships Program
The America’s Next Business Leaders Scholarship Program will provide
scholarships for the eligible children and grandchildren of AIBC members.
More details about the scholarship program will be summarized annually
in the newsletter and on the AIBC website.
Nexit
My Association Travel App is More Than a Navigation App. Access all your association benets on the
road in real time all in the palm of your hand.
My Association Travel App powered by Nexit is the road trip co-pilot drivers have always dreamed of having at
their ngertips. An intuitive navigation platform that allows drivers to plan stops on the road based upon the
route ahead rather than proximity. Find exactly the brands, amenities, and search criteria you need on the exit
you need it, whether you’re looking for two or twenty specic criteria choices.
Special Features include:
• Access to ALL Your Association perks and member
benets as well as oers from today’s top brands
and loyalty programs with exclusive pop-up oers
and discounts in real time, where and when you’re
most likely to use it, so you can maximize your stop
and keep on budget.
• City mode makes local errands easier. Find your
local favorites and discover new ones. Switch
to walk mode to discover your city on foot with
exclusive oers for nearby favorites.
• View all gas prices for your entire trip, whether you’re going down the highway or across country, updated in
real-time twice a day with the cheapest options highlighted.
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Roadside Assistance
24 Hour Emergency Roadside Assistance
The Roadside Assistance Benet is provided by Roadside Protect
Motor Club. Whenever you need roadside assistance for your
vehicle, call our toll-free number at 1-888-633-2414 twenty-four (24)
hours a day to request dispatch service and the Roadside Assistance
Administrator will arrange to send help to your disabled vehicle from
a participating facility.
All expenses covered under the Roadside Protect Program are
limited to Fifty Dollars ($50.00) for any single claim and one claim
per continuous 7 day period. Any additional expenses beyond this
limit will be your responsibility to pay to the Roadside Contractor.
LifeLock Identity Theft Protection
Personal Identity Theft Protection
You could miss certain identity threats by just monitoring your credit. We will see
more, like if your personal information is sold on the dark web. And if there's a
problem, we'll work to x it. Get 30 Days Free and 10% o your rst year of LifeLock
identity theft protection.*
*Terms apply.
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SafetyNet Child ID Card Services
Child Identication Services
You can’t be with your children all the time – especially when they go to school – but
you can provide additional protection for those times when they’re not with you.
By registering your children with SafetyNet Child ID Card Services, authorities
will be able to provide faster, more complete help to your child should he/she be
missing or abducted. For each child you register, you’ll receive two wallet-sized
cards showing the child’s photo and vital statistics, including identifying marks
and special medical needs. The card also provides instructions for parents on how
to quickly notify authorities if an abduction occurs.
Best of all, registration of your rst two children is FREE as part of your Association
membership. Registration of additional children is available for a nominal fee.
Saving Benet Perks Program
Discounts and Exclusive Perks
Saving Benet Perks Program provides association members with
exclusive perks and over $4,500 in savings on everything from pizza
and the zoo, to movie tickets, oil changes, hotels, and car rentals!
And, with over 102,000 available discounts across 10,000 cities in the
United States and Canada, you'll never be far from savings!
Nearby Oers
Use our show & save
mobile coupons
to quickly access
savings on the go.
Monthly
Giveaways
Win cash, movie
tickets, electronics
and more with our
monthly contests.
Mobile Access
Save an app icon
to your phone’s
home screen for
quick access to
discounts.
1. Easy Mobile Access: Drop an app icon on your phone or
download our iPhone app
2. Perks 101 Support: Register for the next perks webinar and
watch our "How To" videos
3. Monthly Emails: Subscribe to our newsletters and be the
rst to know about new discounts and giveaways
4. Connect: Share your savings stories and ideas with us at
Facebook.com/Abenity and Twitter.com/Abenity using
#LifeHasPerks
4 Tips To Get You Started
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TrueCar®
Vehicle Buying Service
You can save time and money shopping for a new or used
car with the Member Auto Buying Service through TrueCar®.
Members receive exclusive pricing and price protection, so you
will be guaranteed to receive the lowest price. You have access
to TrueCar's® network of thousands of Certied Dealers and will
experience hassle-free buying at home and at the dealer.
Safelite
®
AutoGlass
Vehicle Windshield Repair & Replacement
Association members can save $10 on rock chip repair or $20 on
glass replacement orders through Safelite AutoGlass.
Safelite has more than 70 years of experience providing windshield
and auto glass service to 6 million customers each year. Not only
do they have certied technicians who can get the job done
quickly, their auto glass service uses innovative technology and
is built for your convenience.
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24-Hour Nurse Helpline Plan
Nurse Advice
The 24-Hour Nurse Helpline is designed to help members become
more informed about their healthcare. The Nurse Helpline is a 24/7
condential telephone service that allows members to ask questions and
receive information about their health, illnesses and medications. There is
no cost to use the Helpline.
Members have unlimited access to registered nurses via a toll-free number
24 hours a day, 365 days a year. These nurses are specially trained to oer
prompt, condential medical counseling to help members make informed
decisions about their health and the medical care they receive. However, our
nurses do not diagnose or provide treatment.
The benets include:
• Toll-free, condential availability to registered nurses 24 hours a day.
• Explanations on what to expect during medical tests
Help from a registered nurse who can answer questions regarding:
• Diagnostic and surgical procedures
• Recently diagnosed medical conditions
• Prescription and over the counter medication information
This is not insurance.
MDHearing
Because you deserve medical-grade hearing aids for 90% less
Founded on the idea that everyone deserves to hear, MDHearing manufactures
aordable, high-quality, FDA-registered medical devices that are designed,
programmed, and tested by our in-house team of audiologists and hearing
professionals.
Our goal is to bring the hearing clinic experience to you—for thousands less
than a traditional clinic. From our online hearing test to our video consultations
and licensed support professionals, we’re 100% dedicated to making your
experience with us a good one.
1-833-418-0968
20202020
AIBC Health & Well-Being Benets
2020
Health & Well-Being
Health & Well-Being
Blanket Insurance Coverage Benets - Excess Medical
Expense and Accidental Death and Dismemberment
(AD&D) Coverage
Coverage commences for Members immediately following the receipt, by the association, of the Membership
enrollment application and the payment by the Member of the rst month’s dues and continues as long as dues
are paid, subject to the company’s right to adjust future premiums and cancel coverage. Coverage is underwritten
and administered by National Foundation Life Insurance Company (in AL, AR, AZ, CO, DE, GA, IA, IN, KY, LA, MO,
MS, MT, NC, NE, OH, OK, PA, SC, TN, TX and WY), Freedom Life Insurance Company of America (in IL, MI, VA and
WV), and Enterprise Life Insurance Company (in WI). This coverage is not available to members who are residents
of any other states. Coverage is subject to the denitions, terms, limitations and exclusions contracted in the
blanket policy.
Benets*
Executive
Diamond
Lifetime Policy Maximum Benet per Membership $60,000
Accidental Death & Dismemberment (AD&D) Benets
Executive
Diamond
Accidental Death & Dismemberment (AD&D) Maximum Benets* Primary Member $60,000
Spouse of Primary Member
(if listed on the Membership Enrollment Application or later added, recorded and acknowledged by the association)
$30,000
Eligible Dependent Children of Primary Member**
(if listed on the Membership Enrollment Application or later added, recorded and acknowledged by the association)
$15,000 per child
LOSS
Percentage of Maximum Benet
Loss of Life ................................100%
Loss of two or more Limbs. . . . . . . . . . . . . . . . .100%
Loss of Speech and Loss of Hearing
(both ears)
.100%
Loss of Sight
(both eyes)
.......................100%
Loss of one Limb ..........................50%
Loss of Speech .............................50%
Loss of Hearing
(both ears)
.....................50%
Loss of Sight
(one eye)
..........................50%
Loss of one Hand ..........................50%
Loss of one Foot ...........................50%
Loss of Hearing
(one ear)
......................25%
Loss of Thumb and Index Finger
(same hand)
....25%
Excess Medical Expense Coverage Benet
Executive
Diamond
Benet per accident per Covered Member $10,000
Deductible per accident per Covered Member $500
*The Maximum Benet reduces by fty percent (50%) at age sixty-ve (65).
**Eligible Dependent Children of Primary Member means an unmarried dependent child of the Primary Insured who is under the age of
nineteen (19) years (twenty-four (24) if enrolled as a Full-Time Student).
Coverage is subject to the denitions, terms, limitations, and exclusions as contracted in the Blanket Group Policy forms
BACC-2012-P-FLIC/BACC-2012-P-NFL/BACC-2012-P-ELIC.
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Note: The Excess Medical Expense Coverage Benet is payable for
expenses under this plan in excess of coverage under any other valid
insurance coverage, accident medical expense benets or health
benet plan coverage, including but not limited to coverage or
benet entitlement under or pursuant to an uninsured/underinsured
motorist coverage, personal injury protection coverage under
any automobile policy, comprehensive major medical insurance,
hospital/medical surgical insurance, other indemnity health
insurance, health coverage under an HMO or PPO plan, workers
compensation medical expense benets, FELA medical expense
benets, Jones Act medical expense benets and Medicare.
Claims for benets shall be administered based on the Blanket
Group Policy issued to American Independent Business Coalition.
A copy of the Blanket Group Policy is available from the association
upon request. For Claim Assistance, contact:
National Foundation Life Insurance Company
American Independent Business Coalition
Blanket Coverage Claims Unit
P.O. Box 549 Fort Worth, TX 76101 1-800-221-9039
(in AL, AR, AZ, CO, DE, GA, IA, IN, KY, LA, MO, MS, MT, NC, NE, OH,
OK, PA, SC, TN, TX & WY)
Freedom Life Insurance Company of America
American Independent Business Coalition
Blanket Coverage Claims Unit
P.O. Box 1719 Fort Worth, TX 76101 1-800-387-9027
(in IL, MI, VA, & WV)
Enterprise Life Insurance Company
American Independent Business Coalition
Blanket Coverage Claims Unit
P.O. Box 1719 Fort Worth, TX 76101 1-800-606-4482
(in WI)
BLANKET GROUP EXCESS MEDICAL EXPENSE AND AD&D
LIMITATIONS AT A GLANCE
In addition to any other provisions of the Blanket Group Policy
Benets and coverage are limited as follows:
•
Coverage for AD&D and Excess Medical Expense commences
on the Primary Insured Eective Date for each Primary Insured;
•
The Lifetime Policy Maximum Benet is as shown on the preceding
page;
•
The AD&D Maximum Benet for the Primary Insured is as shown
on the preceding page;
•
The AD&D Maximum Benet for the Spouse of Primary Insured
is as shown on the preceding page;
•
The AD&D Maximum Benet for the Children of Primary Insured
is as shown on the preceding page;
•
The Excess Medical Expense Coverage Maximum Benet is as
selected in writing by the Blanket Group Policyholder prior to
the Issue Date;
•
The maximum dollar amount recoverable by an Insured for
AD&D is the applicable AD&D Maximum Benet, regardless
of the number of Accidents or Bodily Injuries sustained by an
Insured; and
•
The applicable AD&D Maximum Benet and the Excess Medical
Expense Coverage Maximum Benet automatically reduce by
fty percent (50%) on the sixty-fth (65th) birthday of the Primary
Insured and Spouse of Primary Insured.
BLANKET GROUP EXCESS MEDICAL EXPENSE AND AD&D
NONCOVERED ITEMS AT A GLANCE
The Blanket Group Policy does not provide any Benet, coverage or
payment for any loss caused by, in whole or in part, contributed to
or resulting from, directly or indirectly, any of the following incidents,
events, occurrences or activities involving such Insured Member:
•
war, or any act of war, regardless of whether war is actually
declared;
•
serving in one of the branches of the armed forces of any foreign
country or any international authority;
•
such Insured Member being intoxicated or under the inuence of
alcohol or any drug, narcotic or hallucinogens, unless administered
via a prescription and on the advice of a Provider, and taken in
accordance with the limits of such advice;
• intentionally self-inicted Bodily Injury;
• suicide or any attempt thereat, while sane;
• Sickness;
•
travel by or participation in aviation, except as a fare-paying
passenger traveling on a regular scheduled commercial airline
ight;
•
engaging in and being charged with any felony criminal oense;
•
a Bodily Injury occurring outside the borders of the United States
of America or its territories;
•
the unintended or accidental results of any surgery or operation
performed either for cosmetic purposes or in an attempt to
surgically treat any Sickness;
•
intentional inhalation or ingestion of any poison, gas or fumes;
•
expenses Incurred for the diagnosis, care or treatment of Mental
and Emotional Disorders, Alcoholism, and Drug Addiction/Abuse;
•
participating, as driver or passenger, in any competition, race
or speed contest, including sanctioned practice thereof, of any
land or water vehicle;
•
expenses Incurred as a result of a Bodily Injury that are in excess
of the Usual and Customary expenses Incurred for Medically
Necessary treatment of such Bodily Injury;
•
expenses Incurred for the Medically Necessary treatment of a
Bodily Injury for which the Insured Member has no legal liability
and responsibility for payment;
•
expenses Incurred for the Medically Necessary treatment of a
Bodily Injury that are covered under any other valid insurance
coverage, accident medical expense benets or health benet
plan coverage (e.g. uninsured/underinsured motorist coverage,
personal injury protection coverage under any automobile policy,
comprehensive major medical insurance, hospital/medical
surgical insurance, other indemnity health insurance, health
coverage under an HMO or PPO plan, workers compensation
medical expense benets, FELA medical expense benets, Jones
Act medical expense benets and Medicare);
•
a scheduled Benet under Accidental Death & Dismemberment
Coverage or an expense under Excess Medical Expense Coverage
that exceeds the amount of the Lifetime Policy Maximum Benet;
•
the operation by such Insured Member of any motor vehicle
without the permission/consent of the owner of such vehicle;
•
the operation by such Insured Member of any motor vehicle
without a valid operator’s license/permit; and
•
bacterial or viral infection, except such infection occurring with
or through a cut or wound in the skin sustained in an Accident
or the accidental ingestion of contaminated material.
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Blanket Group Specied Disease/Illness
& Accident Insurance
Blanket Group Specied Disease/Illness & Accident Insurance is available to paid Members of AIBC for the Primary Member,
Spouse of the Primary Member, and Eligible Dependent Children
1
of the Primary Member. Coverage commences for
Members immediately following the receipt, by the association, of the Membership enrollment application and the
payment by the Member of the rst month’s dues and continues as long as dues are paid, subject to the Company’s rights
to adjust future premiums and cancel coverage. Coverage is underwritten and administered by National Foundation Life
Insurance Company (in AL, AR, AZ, CO, DE, GA, IA, IN, KY, LA, MO, MS, MT, NC, NE, OH, OK, PA, SC, TN, TX and WY), Freedom
Life Insurance Company of America (in IL, MI, VA and WV), and Enterprise Life Insurance Company (in WI). This coverage is
not available to members who are residents of any other states. Coverage is subject to the denitions, terms, limitations
and exclusions contracted in the Blanket Group Policy.
AIBC Blanket Group Specied Disease/Illness Insurance Benets & Blanket Group Accident Insurance Benets
Specied
Disease/
Illness
Plan
*
Accident
Plan
Benet Description Executive Diamond
Hospital Room & Board Expenses Incurred
Daily Max Up To 30 days $800
Elimination Period 1 day
Lifetime Policy Maximum Per Insured $1,000,000
*
Benets also include:
Outpatient Medical Foods - Inherited Metabolic Disorders Benet - 50% of expenses incurred daily for Medical Foods received on
an Outpatient basis, Up To $5,000
Outpatient Diabetes - Membership Year Maximum up to $15 for each of the following: Outpatient Diabetes Equipment, Outpatient Diabetes
Self-Management Training, and Outpatient Diabetes Supplies.
1
Eligible Dependent Children of Primary Member means an unmarried dependent child of the Primary Member who is under the age of
nineteen (19) years (twenty-four (24) if enrolled as a Full-Time Student). A Full-Time Student means an individual, under the age of twenty-
four (24), who is enrolled in at least twelve (12) credit hours per semester at an accredited college or university.
The Blanket Group Specied Disease/Illness & Accident Insurance forms BLKACCUP2-2014-P-FLIC/BLKACCUP2-2014-P-NFL/BLKACCUP2-
2014-P-ELIC; and BLKSDUP2-2014-P-FLIC/BLKSDUP2-2014-P-NFL/BLKSDUP2-2014-P-ELIC are underwritten and issued by Freedom
Life Insurance Company of America, National Foundation Life Insurance Company, and Enterprise Life Insurance Company and issued
to AIBC. The Blanket Group coverage is available to each individual enrolled member of AIBC who has timely and properly paid their
monthly dues to AIBC and who has been identied by AIBC to Freedom Life Insurance Company of America, National Foundation Life
Insurance Company, or Enterprise Life Insurance Company (as applicable) as an authorized and enrolled member of AIBC. The Blanket
Group Specied Disease/Illness & Accident Insurance is subject to the denitions, terms, conditions, limitations, and exclusions set
forth in the master group policy, issued to AIBC, which is summarized and provided in your membership materials and terminates
at the end of the policy period of the master group policy issued to AIBC unless renewed by the mutual agreement of AIBC and
Freedom Life Insurance Company of America, National Foundation Life Insurance Company, or Enterprise Life Insurance Company.
THE COVERAGE UNDER THE BLANKET GROUP SPECIFIED DISEASE/ILLNESS & ACCIDENT INSURANCE POLICIES DOES NOT PROVIDE
MAJOR MEDICAL INSURANCE COVERAGE, AND IS NEITHER MINIMUM ESSENTIAL COVERAGE UNDER FEDERAL LAW NOR WORKERS’
COMPENSATION INSURANCE UNDER STATE LAW. THESE POLICIES PROVIDE ONLY SPECIFIED DISEASE/ILLNESS AND ACCIDENT-ONLY
INSURANCE COVERAGE THAT PAYS IN ADDITION TO ANY OTHER IN-FORCE COVERAGE. IF INSUREDS DO NOT HAVE MINIMUM ESSENTIAL
COVERAGE UNDER FEDERAL LAW, AN ADDITIONAL PAYMENT WITH THEIR TAXES MAY BE REQUIRED UNDER FEDERAL LAW.
Mandatory Dispute Resolution
The Blanket Specied Disease/Illness and Accident plans contain a Mandatory Dispute Resolution Procedures for the prompt, fair, and
ecient resolution of a dispute. This provision provides for the parties to rst attempt to achieve resolution of any Dispute through
negotiation. If the parties cannot reach an agreement through negotiation, the provision provides for resolution to be then attempted
through non-binding mediation. Finally, if the parties cannot reach an agreement through mediation, this provision provides for a
neutral arbitrator to assist the parties with resolution through mandatory, binding arbitration.
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Claims for benets shall be administered based on the Blanket Group Policies issued to American Independent Business Coalition. A
copy of the Blanket Group Policies is available from the association upon request.
For Claim Assistance, contact:
(in AL, AR, AZ, CO, DE, GA, IA, IN, KY, LA, MO, MS, MT, NC, NE, OH,
OK, PA, SC, TN, TX & WY)
National Foundation Life Insurance Company
American Independent Business Coalition
Blanket Coverage Claims Unit
P.O. Box 549 Fort Worth, TX 76101 1-800-221-9039
Specied Disease/Illness Limitations At A Glance
Coverage under the Blanket Group Specied Disease/Illness Insurance Policy is limited as provided by the denitions, limitations,
exclusions, and terms contained in each and every Section of the Blanket Group Specied Disease/Illness Insurance Policy, as well as
the following limitations and waiting periods:
•
Any treatment, medical service, surgery, medication, equipment,
claim, loss or expense received, purchased, leased or otherwise
incurred as a result of an Insured’s Pre-existing Condition is
not covered under the Blanket Group Specied Disease/Illness
Insurance Policy unless such treatment, medical service, surgery,
medication, equipment, claim, loss or expense constitutes
Covered Expenses incurred by such Insured more than twelve (12)
months after the Issue Date, and such treatment, medical service,
surgery, medication, equipment, claim, loss or expense are not
otherwise limited or excluded by the Blanket Group Specied
Disease/Illness Insurance Policy or any riders, endorsements, or
amendments attached to the Blanket Group Specied Disease/
Illness Insurance Policy;
•
Covered Medical Services Benets under the Blanket Group
Specied Disease/Illness Insurance Policy for any Insured who is
eligible for or has coverage under Medicare, and/or amendments
thereto, regardless of whether such Insured is enrolled in Medicare
shall be limited to only the Usual and Customary Expenses for
services, supplies, care or treatment covered under the Blanket
Group Specied Disease/Illness Insurance Policy that are not
or would not have been payable or reimbursable by Medicare
and/or its amendments (assuming such enrollment), subject to
all provisions, limitations, exclusions, reductions and maximum
benets set forth in the Blanket Group Specied Disease/Illness
Insurance Policy;
•
Any Covered Medical Services payable under the Blanket Group
Specied Disease/Illness Insurance Policy will be reduced by fty
percent (50%) when the applicable Insured is age sixty-ve (65)
or older, based on the Insured’s most recent birthday, on the
date the Benet becomes payable; and
•
In no event will the total amount of benets payable for any
one Insured exceed the Lifetime Policy Maximum Per Insured.
Specied Disease/Illness Non-Covered Items At A Glance
Coverage under the Blanket Group Specied Disease/Illness Insurance Policy is limited as provided by the denitions, limitations,
exclusions, and terms contained in each and every Section of the Blanket Group Specied Disease/Illness Insurance Policy. In addition,
the Blanket Group Specied Disease/Illness Insurance Policy does not provide coverage for the amount of any professional fees or
other medical expenses or charges for treatments, care, procedures, services or supplies incurred for the diagnosis, care or treatment
charged to an Insured or any payment obligation for Us under the Blanket Group Specied Disease/Illness Insurance Policy for any of
the following, all of which are excluded from coverage:
•
any cost item, charge or expense which does not constitute
Covered Expenses;
• any Bodily Injuries suered by an Insured;
•
any disease, ailment, illness or sickness that is not a Specied
Disease/Illness;
•
any medical care, service, treatments, procedures, or supplies
received, provided to, or incurred by an Insured before the
Blanket Group Specied Disease/Illness Insurance Policy Issue
Date and the Primary Insured Eective Date;
•
any treatments, care, procedures, services or supplies which are
not specically enumerated in the SPECIFIED DISEASE/ILLNESS
BENEFITS AND CLAIM PROCEDURES section of the Blanket Group
Specied Disease/Illness Insurance Policy;
•
any medical care, service, treatments, procedures, or supplies
received, provided to, or incurred by an Insured after an Insured’s
coverage under the Blanket Group Specied Disease/Illness
Insurance Policy terminates, regardless of when the sickness
or disease occurred;
•
any medical care, service, treatments, procedures, or supplies
received, provided to, or incurred by an Insured, which exceed
the Lifetime Insurance Policy Maximum Per Insured;
•
any medical care, service, treatments, procedures, or supplies
received, provided to, or incurred by an Insured and contained
on a billing statement to the Insured which exceeds the amount
of the Maximum Allowable Charge;
•
any medical care, service, treatments, procedures, or supplies
received, provided to, or incurred by an Insured, which You or
Your covered family members are not required to pay;
•
any medical care, service, treatments, procedures, or supplies
received, provided to, or incurred by an Insured for which the
Insured and/or any covered family members are not legally
liable for payment;
•
any medical care, service, treatments, procedures, or supplies
received, provided to, or incurred by an Insured for which the
Insured and/or any covered family members were once legally
liable for payment, but from which liability the Insured and/or
family members were forgiven and released by the applicable
Provider without payment or promise of payment;
•
Specied Diseases/Illnesses due to any act of war (whether
declared or undeclared);
•
any medical care, service, treatments, procedures, or supplies
received, provided to, or incurred by an Insured from any
state or federal government agency, including the Veterans
Administration unless, by law, an Insured must pay for such
services, except for Medicaid;
•
any medical care, service, treatments, procedures, or supplies
received, provided to, or incurred by an Insured as a result of
experimental procedures or treatment methods not approved
by the American Medical Association or other appropriate
medical society;
(in IL, MI, VA & WV)
Freedom Life Insurance Company of America
American Independent Business Coalition
Blanket Coverage Claims Unit
P.O. Box 1719 Fort Worth, TX 76101 1-800-387-9027
(in WI)
Enterprise Life Insurance Company
American Independent Business Coalition
Blanket Coverage Claims Unit
P.O. Box 1719 Fort Worth, TX 76101 1-800-606-4482
1-833-418-0968
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Specied Disease/Illness Non-Covered Items At A Glance, cont'd
•
drugs or medication not used for a Food and Drug Administration
(“FDA”) approved use or indication;
•
administration of experimental drugs or substances or
investigational use or experimental use of Prescription Drugs
except for any Prescription Drug prescribed to treat a covered
chronic, disabling, life-threatening Specied Disease/Illness, but
only if the investigational or experimental drug in question: (a)
has been approved by the FDA for at least one indication; and (b)
is recognized for treatment of the indication for which the drug
is prescribed in: (1) a standard drug reference compendia; or (2)
substantially accepted peer-reviewed medical literature. (c) drugs
labeled “Caution – limited by Federal law to investigational use”;
•
any professional and medical services Provided an Insured in
treatment of a Specied Disease/Illness caused or contributed
to by such Insured's being intoxicated or under the inuence
of any drug, narcotic or hallucinogens unless administered on
the advice of a Provider, and taken in accordance with the limits
of such advice;
• any eyeglasses, contact lenses, radial keratotomy, lasik surgery,
hearing aids and exams for their prescription or tting;
• any Cochlear implants;
•
Specied Disease/Illness while serving in one of the branches
of the armed forces of the United States of America;
•
Specied Disease/Illness while in a foreign country and serving
on active duty in one of the branches of the armed services of
the United States of America;
•
Specied Disease/Illness while serving on active duty in the
armed forces of any foreign country or any international authority;
•
any voluntary abortions, abortifacients or any other drug or
device that terminates a pregnancy;
•
any medical condition excluded by name or specic description
by either the Blanket Group Specied Disease/Illness Insurance
Policy or any riders, endorsements, or amendments attached
to the Blanket Group Specied Disease/Illness Insurance Policy;
• any cosmetic surgery or reconstructive procedures, except for
Medically Necessary cosmetic surgery or reconstructive procedures
performed under the following circumstances: (i) where such
cosmetic surgery is incidental to or following surgery resulting
from Bacterial Infection or Viral Infection, (ii) to correct a normal
bodily function in connection with the treatment of a covered
Specied Disease/Illness, or (iii) such cosmetic surgery constitutes
Breast Reconstruction that is incident to a Mastectomy; provided
any of the above occurred while the Insured was covered under
the Blanket Group Specied Disease/Illness Insurance Policy;
•
Prescription Drugs or other medicines and products used for
cosmetic purposes or indications;
•
Outpatient Prescription Drugs that are dispensed by a Provider,
Hospital or other state-licensed facility;
•
Prescription Drugs produced from blood, blood plasma and
blood products, derivatives, Hemol M, Factor VIII, and synthetic
blood products, or immunization agents, biological or allergy
sera, hematinics, blood or blood products administered on an
Outpatient basis;
•
Prescription Drugs that are classied as anabolic steroids or
growth hormones;
•
allergy kits intended for future emergency treatment of possible
future allergic reactions;
•
replacement of a prior lled Prescription for Prescription Drugs
that was covered and is replaced because the original Prescription
was lost, stolen or damaged;
•
Prescription Drugs that are classied as psychotherapeutic drugs,
including antidepressants;
•
any treatment, care, procedures, services or supplies for breast
reduction or augmentation or complications arising from these
procedures;
•
any treatment, care, procedures, services or supplies for voluntary
sterilization, reversal or attempted reversal of a previous elective
attempt to induce or facilitate sterilization;
•
any treatment, care, procedures, services or supplies for treatment
of infertility, including fertility hormone therapy and/or fertility
devices for any type of fertility therapy, articial insemination
or any other direct conception;
•
any treatment, care, procedures, services or supplies for any
operation or treatment performed, Prescription or medication
prescribed in connection with sex transformations or any type
of sexual or erectile dysfunction, including complications arising
from any such operation or treatment;
•
any treatment, care, procedures, services or supplies (including
Prescription Drugs) incurred for the diagnosis, care or treatment of
Attention Decit Disorder (ADD) or Attention Decit Hyperactivity
Disorder (ADHD);
•
any treatment, care, procedures, services or supplies for appetite
suppressants, including but not limited to, anorectics or any
other drugs used for the purpose of weight control, or services,
treatments, or surgical procedures rendered or performed in
connection with an overweight condition or a condition of
obesity or related conditions;
• any treatment, care, procedures, services or supplies incurred
for the diagnosis, care or treatment of Mental, Nervous and
Emotional Disorders;
•
any treatment, care, procedures, services or supplies incurred for
the diagnosis, care or treatment of autism spectrum disorder;
•
any treatment, care, procedures, services or supplies incurred
for the diagnosis, care or treatment of Alcoholism, addiction
to illegal drugs or substances, and/or abuse of illegal drugs or
substances;
•
any treatment care, procedures, services or supplies incurred for
the diagnosis, care or treatment of cirrhosis of the liver;
•
any treatment, care, procedures, services or supplies incurred
for the diagnosis, care or treatment of routine maternity or any
other expenses related to normal labor and delivery, including
routine nursery charges and well-baby care;
•
any contraceptives, oral or otherwise, whether medication or
device, regardless of intended use;
• any uoride products;
•
any intentional misuse or abuse of Prescription Drugs, including
Prescription Drugs purchased by an Insured for consumption
by someone other than such Insured;
•
any programs, treatment or procedures for tobacco use cessation;
•
any charges for blood, blood plasma, or derivatives that has
been replaced;
• compounded Prescription Drugs;
• level one controlled substances;
•
any treatment, care, procedures, services or supplies of
Temporomandibular Joint Disorder (TMJ) and Craniomandibular
Disorder (CMD);
• any treatment received outside of the United States;
•
any services or supplies for personal convenience, including
Custodial Care or homemaker services, except as provided for in
the Blanket Group Specied Disease/Illness Insurance Policy; and
• any spinal manipulations.
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Accident Limitations At A Glance
Coverage under the Blanket Group Accident Only Insurance Policy is limited as provided by the denitions, limitations, exclusions, and
terms contained in each and every Section of the Blanket Group Accident Only Insurance Policy, as well as the following limitations
and waiting periods:
•
Any treatment, medical service, surgery, medication, equipment,
claim, loss or expense received, purchased, leased or otherwise
incurred as a result of an Insured’s Pre-existing Condition is not
covered under the Blanket Group Accident Only Insurance Policy
unless such treatment, medical service, surgery, medication,
equipment, claim, loss or expense constitutes Covered Expenses
incurred by such Insured more than twelve (12) months after
the Eective Date, and such treatment, medical service, surgery,
medication, equipment, claim, loss or expense are not otherwise
limited or excluded by the Blanket Group Accident Only Insurance
Policy or any riders, endorsements, or amendments attached
to the Policy;
•
Covered Medical Services Benets under the Blanket Group
Accident Only Insurance Policy for any Insured who is eligible for
or has coverage under Medicare, and/or amendments thereto,
regardless of whether such Insured is enrolled in Medicare
shall be limited to only the Usual and Customary Expenses for
services, supplies, care or treatment covered under the Policy
that are not or would not have been payable or reimbursable by
Medicare and/or its amendments (assuming such enrollment),
subject to all provisions, limitations, exclusions, reductions and
maximum benets set forth in the Policy;
•
Any Covered Medical Services payable under the Blanket Group
Accident Only Insurance Policy will be reduced by fty percent
(50%) when the applicable Insured is age sixty-ve (65) or older,
based on the Insured’s most recent birthday, on the date the
Benet becomes payable; and
•
In no event will the total amount of benets payable for any
one Insured exceed the Lifetime Policy Maximum Per Insured.
Accident Non-Covered Items At A Glance
Coverage under the Blanket Group Accident Only Insurance Policy is limited as provided by the denitions, limitations, exclusions, and
terms contained in each and every Section of the Blanket Group Accident Only Insurance Policy. In addition, the Blanket Group Accident
Only Insurance Policy does not provide coverage for the amount of any professional fees or other medical expenses or charges for
treatments, care, procedures, services or supplies incurred for the diagnosis, care or treatment charged to an Insured or any payment
obligation for Us under the Blanket Group Accident Only Insurance Policy for any of the following, all of which are excluded from coverage:
•
any cost item, charge or expense which does not constitute
Covered Expenses;
• any disease, ailment, illness or sickness suered by an Insured,
except a covered Bacterial Infection;
•
any medical care, service, treatments, procedures, or supplies
received, provided to, or incurred by an Insured before the
Blanket Group Accident Only Insurance Policy Issue Date and
the Primary Insured Eective Date;
•
any medical care, service, treatments, procedures, or supplies
received, provided to, or incurred by an Insured after an Insured’s
coverage under the Blanket Group Accident Only Insurance
Policy terminates, regardless of when the Bodily Injury occurred;
•
any medical care, service, treatments, procedures, or supplies
received, provided to, or incurred by an Insured, which exceed
the Lifetime Insurance Policy Maximum Per Insured;
•
any medical care, service, treatments, procedures, or supplies
received, provided to, or incurred by an Insured and contained
on a billing statement to the Insured which exceeds the amount
of the Maximum Allowable Charge;
•
any medical care, service, treatments, procedures, or supplies
received, provided to, or incurred by an Insured, which You or
Your covered family members are not required to pay;
•
any medical care, service, treatments, procedures, or supplies
received, provided to, or incurred by an Insured for which the
Insured and/or any covered family members are not legally
liable for payment;
•
any medical care, service, treatments, procedures, or supplies
received, provided to, or incurred by an Insured for which the
Insured and/or any covered family members were once legally
liable for payment, but from which liability the Insured and/or
family members were forgiven and released by the applicable
Provider without payment or promise of payment;
•
any medical care, service, treatments, procedures, or supplies
received, provided to, or incurred by an Insured from any
state or federal government agency, including the Veterans
Administration unless, by law, an Insured must pay for such
services, except for Medicaid;
•
any medical care, service, treatments, procedures, or supplies
received, provided to, or incurred by an Insured as a result of
experimental procedures or treatment methods not approved
by the American Medical Association or other appropriate
medical society;
•
Bodily Injury due to any act of war (whether declared or
undeclared);
•
services provided by any state or federal government agency,
including the Veterans Administration unless, by law, an Insured
must pay for such services;
•
drugs or medication not used for a Food and Drug Administration
(“FDA”) approved use or indication;
•
administration of experimental drugs or substances or
investigational use or experimental use of Prescription Drugs
except for any Prescription Drug prescribed to treat a covered
chronic, disabling, life-threatening Bodily Injury, but only if
the investigational or experimental drug in question: (a) has
been approved by the FDA for at least one indication; and (b)
is recognized for treatment of the indication for which the drug
is prescribed in: (1) a standard drug reference compendia; or (2)
substantially accepted peer-reviewed medical literature. (c) drugs
labeled “Caution – limited by Federal law to investigational use”;
•
intentionally self-inicted Bodily Injury, suicide or any suicide
attempt while sane or insane;
•
Bodily Injury while serving in one of the branches of the armed
forces of the United States of America;
•
Bodily Injury while in a foreign country and serving on active
duty in the United States Army, Navy, Marine Corps or Air Force
Reserves or the National Guard;
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Accident Non-Covered Items At A Glance cont'd
•
Bodily Injury while serving on active duty in the armed forces
of any foreign country or any international authority;
•
voluntary abortions, abortifacients or any other drug or device
that terminates a pregnancy;
•
any medical condition excluded by name or specic description
by either the Blanket Group Accident Only Insurance Policy
or any riders, endorsements, or amendments attached to the
Blanket Group Accident Only Insurance Policy;
•
any loss to which a contributing cause was the Insured's being
engaged in an illegal occupation or illegal activity;
•
participation in aviation, except as fare-paying passenger
traveling on a regular scheduled commercial airline ight;
•
any Injury which was caused or contributed by an Insured
racing any land or water vehicle;
•
Prescription Drugs or other medicines and products used for
cosmetic purposes or indications;
•
Prescription Drugs that are classied as psychotherapeutic
drugs, including antidepressants;
•
Outpatient Prescription Drugs that are dispensed by a Provider,
Hospital or other state-licensed facility;
•
Prescription Drugs produced from blood, blood plasma and
blood products, derivatives, Hemol M, Factor VIII, and synthetic
blood products, or immunization agents, biological or allergy
sera, hematinics, blood or blood products administered on
an Outpatient basis;
• level one controlled substances;
• Prescription Drugs that are classied as anabolic steroids or
growth hormones;
• compounded Prescription Drugs;
•
allergy kits intended for future emergency treatment of
possible future allergic reactions;
•
replacement of a prior lled Prescription for Prescription
Drugs that was covered and is replaced because the original
Prescription was lost, stolen or damaged;
•
any eyeglasses, contact lenses, radial keratotomy, lasik surgery,
hearing aids and exams for their prescription or tting;
• any Cochlear implants;
•
any medical condition excluded by name or specic description
by either the Blanket Group Accident Only Insurance Policy
or any riders, endorsements, or amendments attached to the
Blanket Group Accident Only Insurance Policy;
•
any cosmetic surgery or reconstructive procedures, except
for Medically Necessary cosmetic surgery or reconstructive
procedures performed under the following circumstances:
(i) where such cosmetic surgery is incidental to or following
surgery resulting from Bacterial Infection or (ii) to correct a
normal bodily function in connection with the treatment of
a covered Bodily Injury;
•
any treatment, care, procedures, services or supplies for
breast reduction or augmentation or complications arising
from these procedures;
•
any treatment, care, procedures, services or supplies for
voluntary sterilization, reversal or attempted reversal of a
previous elective attempt to induce or facilitate sterilization;
•
any treatment, care, procedures, services or supplies for
treatment of infertility, including fertility hormone therapy
and/or fertility devices for any type of fertility therapy, articial
insemination or any other direct conception;
•
any treatment, care, procedures, services or supplies for any
operation or treatment performed, Prescription or medication
prescribed in connection with sex transformations or any type
of sexual or erectile dysfunction, including complications
arising from any such operation or treatment;
•
any treatment, care, procedures, services or supplies for
appetite suppressants, including but not limited to, anorectics
or any other drugs used for the purpose of weight control,
or services, treatments, or surgical procedures rendered or
performed in connection with an overweight condition or
a condition of obesity or related conditions;
•
any treatment, care, procedures, services or supplies (including
Prescriptions) incurred for the diagnosis, care or treatment
of Attention Decit Disorder (ADD) or Attention Decit
Hyperactivity Disorder (ADHD);
•
any treatment, care, procedures, services or supplies incurred
for the diagnosis, care or treatment of Mental, Nervous and
Emotional Disorders;
•
any treatment, care, procedures, services or supplies incurred
for the diagnosis, care or treatment of autism;
•
any treatment, care, procedures, services or supplies incurred
for the diagnosis, care or treatment of alcoholism, addiction
to illegal drugs or substances, and/or abuse of illegal drugs
or substances;
•
any treatment care, procedures, services or supplies incurred
for the diagnosis, care or treatment of cirrhosis of the liver;
•
any treatment, care, procedures, services or supplies incurred
for the diagnosis, care or treatment of routine maternity or
any other expenses related to normal labor and delivery,
including routine nursery charges and well-baby care;
•
any contraceptives, oral or otherwise, whether medication
or device, regardless of intended use;
• any uoride products;
•
any intentional misuse or abuse of Prescription Drugs, including
Prescription Drugs purchased by an Insured for consumption
by someone other than such Insured;
•
any programs, treatment or procedures for tobacco use
cessation;
• any charges for blood, blood plasma, or derivatives that has
been replaced;
•
any treatment, care, procedures, services or supplies of
Temporomandibular Joint Disorder (TMJ) and Craniomandibular
Disorder (CMD);
• any treatment received outside of the United States; and
•
any services or supplies for personal convenience, including
Custodial Care or homemaker services, except as provided for
in the Blanket Group Accident Only Insurance Policy.
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Gateway Emergency Personal Health History Medicard
Medical Identication Cards
In an emergency, getting vital health information to
medical personnel quickly could be critical. Your Gateway
Medicard keeps your personal medical prole handy at
all times. Carry it with you at work, on vacation, or just
walking in your neighborhood.
As a member, you may order one free medical card per
account each year. It’s important to review your card
annually to ensure your data is current. You may also
order cards for your spouse, children, and other family
members for only $5 each. Similar cards cost $8 to $20
from other sources.
Jane Doe
123 Main St
City, State Zip
The back side contains vital medical information
Vitamins and Nutritional Supplements
Mail Order Vitamins
There are many positive health benets that can result from a daily regimen of
vitamin supplements. Many people consider a vitamin and mineral supplement
program to be an important part of their overall health strategy. Our members
can save an additional 20% on a wide range of Swanson brand vitamins and
mineral supplements online.
Only one promotional code can be used per order. Additional 20%
discount available on Swanson brands only. Free shipping on orders
over $50.
**These are examples only. Sample Pricing with the additional 20% discount.
Product Avg. Price You Pay
**
Your Savings % Saved
Vitamin B12
$11.99 $5.19 $6.80 57%
Vitamin D
$7.49 $2.71 $4.78 64%
Omega 3 - Fatty Acids
$13.99 $5.43 $8.56 61%
Tumeric
$9.99 $3.99 $6.00 60%
Calcium Citrate
$7.49 $2.95 $4.54 61%
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Skip the Waiting Room
Speak to a Doctor 24/7, Anytime, Anywhere.
Feel Better Fast
MDLIVE Doctors can send prescriptions right
to your nearest pharmacy.
Great Doctors, Great Results
U.S. Board Certied doctors & pediatricians
with an average 15 years of experience.
How much does it cost?
• Pay $0 Out of Pocket for
Medical consultations.
• 3 FREE Talk Therapy
consultations per person,
per calendar year and
then $90 per hour.
• Dermatology consultations
are $59 per video consult.
MDLIVE
Your anytime,
anywhere
doctor's oce.
Now visiting the doctor is easier than
ever. Avoid waiting rooms and the in-
convenience of going to the doctor's
oce. Visit a doctor by phone, secure
video or MDLIVE App.
Doctors are available 24/7, and
family members are also eligible.
How it works:
1
2
3
Activate
your
Account
Online
Find a
Doctor in
the App
Get the
Care you
Need
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Common conditions treated:
General Health
• Common cold / Flu
• Cough
• Fever
• Insect bites
• Allergies
• Diarrhea
• Nausea / Vomiting
• Pink eye
• Sore throat
• Constipation
• Ear problems
• Headache
Behavioral Health
• Addictions
• Stress
• Bipolar disorders
• Depression
• Eating disorders
• Grief and loss
• Life changes
• Panic disorders
• Parenting issues
• Postpartum depression
• Relationship and
marriage issues
• Trauma and PTSD
Dermatology
• Acne
• Rashes
• Eczema
• Rosacea
• Psoriasis
• Alopecia
• Cold Sores
• Inamed or enlarged
hair follicles
• Warts and other
abnormal bumps
• Suspicious spots
and moles
Consultations
per member/per calendar year
Medical
1
Behavioral
2
Dermatology
3
1 $0 $0 $59
2 $0 $0 $59
3 $0 $0 $59
4 $0 $90 $59
$0 $90 $59
1
$0 Out of Pocket per calendar year
2
Three free per person, per calendar year then $90 per hour
3
$59 per video consultation
or more
1
Visit the AIBC
MDLIVE website to
activate your account
Activate
2
Download
3
Doctor
The MDLIVE app can
be found on iOS and
Android App stores
Skip the Waiting Room
and speak to a Doctor
24/7, Anytime, Anywhere!
Copyright © 2018 MDLIVE Inc. All Rights Reserved. MDLIVE may not be available in certain states and is subject to state regulations. MDLIVE does
not replace the primary care physician, is not an insurance product and may not be able to substitute for traditional in person care in every case
or for every condition. MDLIVE does not prescribe DEA controlled substances and may not prescribe non-therapeutic drugs and certain other
drugs which may be harmful because of their potential for abuse. MDLIVE does not guarantee patients will receive a prescription. Healthcare
professionals using the platform have the right to deny care if based on professional judgment a case is inappropriate for telehealth or for
misuse of services. MDLIVE and the MDLIVE logo are registered trademarks of MDLIVE, Inc. and may not be used without written permission.
For complete terms of use visit https://www.MDLIVE.com/terms-of-use/.
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The following services
are oered to each
Member by MDLIVE:
Physician Consultations for
Non-Emergency Medical Conditions
The MDLIVE services available to members include
MDLIVE’s telephone, mobile app and web based medical
consultations for non-emergency medical conditions. This
allows members 24/7 access to physicians licensed in their
state in the MDLIVE network. Members have the option
to consult these physicians via telephone, mobile app or
desktop/laptop computer. MDLIVE provides Members with
this optional healthcare solution for those times when it
may not be convenient or even possible to schedule an
appointment with their doctor’s oce.
•
There is no limit on the number of telephone or online medical consultations that members
may receive during the calendar year and each medical consultation is provided as a benet
of membership in the Association without any requirement that the Member make a fee
or a co-payment to the physician.
•
The MDLIVE’s network of physicians will prescribe applicable medicine for the member’s
with certain non-emergency medical conditions when deemed medically necessary.
•
See the Association’s website for more details on the MDLIVE medical consultation services.
Behavioral Health Consultations for Non-Emergency Behavioral Health Conditions
The MDLIVE services include up to 3 FREE telephone/online visits per member per calendar year applicable
Behavioral Health counseling/therapy specialists for conditions such as stress, depression, grief and alcohol use/
abuse, addictions, and other behavioral health issues and disorders.
•
After the rst 3 consultations in a calendar year, the MDLIVE Behavioral Health Consultations
services include a $90 per hour/per person/per calendar year expense.
•
See the Association’s website for more details on the MDLIVE Behavioral Health consultation
services.
Dermatology Consultations for Non-Emergency Dermatology Conditions
The MDLIVE services include Member access to telephone/online Dermatology Consultations.
•
The Dermatology Consultations are $59 per person, per video consult with board-certied
dermatologists for dermatology conditions such as acne, rash, eczema, rosacea, psoriasis,
cold sores and many other skin conditions.
•
See the Association’s website for more details on the MDLIVE Dermatology consultation
services.
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Individual Vision Plans
Immediate Savings on Unlimited Glasses
This exclusive Individual Savings Pass may be the perfect t for your eye wear needs. With Individual Savings
Pass, you’ll enjoy discounts and savings on your eye exam, glasses, sunglasses, and lens enhancements for 12 full
months. Enroll today and get $10 o the pass price.
See what $59
$49 can get you
• Personalized care from a VSP® network doctor
• Unlimited discounts on glasses/sunglasses for 12 full months
• Hundreds of stylish name brand frames to choose from
• Enroll today and start saving the next business day
THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance. This plan does not meet the minimum creditable coverage
requirements under M.G.L. c.111M and 956 CMR 5.00. This plan is not a Qualied Health Plan under the Aordable Care Act. The range of
discounts will vary depending on the type of provider and service. The plan does not pay providers directly. Plan members must pay for all
services but will receive a discount from participating providers. The list of participating providers is on the website. A written list of participating
providers is available upon request. You may cancel within the rst 30 days after eective date or receipt of membership materials (whichever
is later) and receive a full refund, less a nominal processing fee (nominal fee for MD residents is $5, AR and TN residents will be refunded
processing fee). Discount Plan Organization and administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX
75034; phone 800.441.0380.
This plan is not available in Vermont or Washington.
Clever RX
Never overpay for prescriptions again!
Download the FREE Clever RX App. From your app store search “Clever RX” and hit
download.
Find where you can save on your medication. Using your zip code, when you search for
your medication, Clever RX checks which pharmacies near you oer the lowest price.
Savings can be up to 80% compared to what you are currently paying.
Vector illustration of a round blue water pitcher icon.
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Travel Assistance Plan
Medical Emergency Travel Assistance
As a member, you receive the following benets through the Travel Assistance
Program when traveling more than one hundred (100) miles from your permanent
place of Residence, and the trip duration is ninety (90) consecutive days or less
if an accidental injury or sickness commences during the course of the covered
trip. The following is a summary description only of the program’s services. If
you have any questions, please call the customer service number provided
with your benet information.
•
Emergency evacuation. If a Participant incurs an
accidental injury or sickness and adequate medical facilities
are not available locally, the assistance company will
assist, if needed, in arranging an emergency medical
evacuation (under medical supervision if necessary)
by whatever means necessary to the nearest facility
capable of providing adequate care. Covered expenses
include transportation and related medical services
(including cost of medical escort) and medical supplies
necessarily incurred in connection with the emergency
evacuation. All transportation arrangements made for
the emergency evacuation must be made by the most
direct and economical route possible.*
•
Medically necessary repatriation. After initial treatment
and stabilization for an accidental injury or sickness suered
by the Participant, if the attending physician deems it
medically necessary, the assistance company will arrange
transport for the Participant back to his or her permanent
place of residence for further medical treatment or to
recover. Covered expenses include transportation and
related medical services (including escort if necessary)
and medical supplies necessarily incurred in connection
with the repatriation. All transportation cost made for
repatriation must be by the most direct and economical
route possible.*
•
Emergency Evacuation and Medically Necessary
Repatriation Total combined Limit Up to USD $100,000.*
•
Transportation of mortal remains. In the event of the
death of a Participant, the assistance company will assist
in making arrangements providing for the return of
mortal remains. Covered expenses are the following:
locating a sending funeral home, transportation of the
body from the site of death to the sending funeral home;
preparation of the remains for either burial or cremation;
transportation of the remains from the funeral home to
the airport; providing the minimum necessary casket or
air tray for transport; consular services (in case of death
overseas); procuring death certicate; transport of the
remains from the airport to the receiving funeral home.
Once the Participant’s body has been delivered to the
receiving funeral home, this coverage ends. Up to USD
$20,000.*
•
Transportation of Traveling Companion. In the event
a Participant requires emergency medical evacuation
by air ambulance or repatriation by commercial airlines.
Air transport of the Participant’s spouse or other family
member or traveling companion will be provided so that
person may accompany the insured in ight, subject to
space availability, giving priority to medical equipment
and medical personnel aboard and for the welfare and
safety of the Participant receiving services. All services in
connection with transportation of traveling companion
must be preapproved and arranged by the assistance
company. Up to USD $5,000.*
•
Family Visitation. When a member is traveling alone and
is hospitalized for more than seven (7) consecutive days,
the Assistance company will arrange transportation to the
place of hospitalization for a chosen person by the insured,
provided repatriation is not imminent. Covered expenses
include the cost of the most direct economy round trip
common carrier ticket to the place of hospitalization. Up
to USD $5,000.*
•
Transportation of Dependent Children. When dependent
children, traveling on a covered trip with the Participant,
are left unattended as the result of a Participant’s injury or
sickness, the assistance company will arrange to transport
such minors to the domicile of a person nominated by
the Participant or next of kin. Covered expenses include
a one way common carrier economy ticket by the most
direct route. Attendants will be provided if necessary. Up
to USD $5,000.*
•
Vehicle Return. In the event a Participant should suer from
a certied illness, injury or death which requires emergency
medical evacuation/medical necessary repatriation or
transportation of mortal remains and the Participant is
thereby unable to drive his/her vehicle, this assistance will
provide vehicle return service for ground vehicles such as
cars, trucks, vans, travel trailers or motor homes, operated
by the Participant, to the Participant’s permanent residence.
This benet will pay the cost, up to USD 1,000 for fuel,
oil, driver and tolls to aect such return. The insured will
bear the cost of any repair due to mechanical breakdown,
en route, as well as cost for food and accommodations.
The vehicle must be in condition capable of being safely
operated on the highway. All services in connection with
vehicle return must be preapproved and arranged by
the assistance company. All coverage’s apply only when
the Participant is traveling more than 100 miles from
the Participant’s permanent place of residence and the
trip is 90 consecutive days or less. Covered expenses
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are reasonable and customary expenses for necessary
transportation, related medical services and medical
supplies incurred in connection with the coverage’s listed
above. All transportation arrangements.*
•
24-hour Information Service. Should the Participant need
information before and/or during travel he/she may call
the Assistance Provider 24 hours a day to obtain help. The
multilingual sta is prepared to assist and coordinate the
management of a wide variety of travel related situations.
Services include but are not limited to information on
required documents, immunization requirements, State
Department Travel Advisory warnings on travel to certain
locations, weather and hazard information about foreign
locations, suggested medical exams or treatment before
departure and medical care en route.*
•
Medical Monitoring. Should the participant need to
be medically monitored, the Assistance Provider will
monitor the case, while liaising with the participant, the
local attending physician, the family physician and the
medical director of the transportation company.*
•
Medical Referral. Should the Participant need help locating
a Physician or Hospital, the Assistance Provider will provide
referrals to a local prequalied Physician and/or Hospital.*
•
Guarantee of Medical Expenses. Should the Participant
need help for overseas medical payments the Assistance
Provider will assist in the arrangement of payment or
guarantee of payment to Medical Providers. Subject to
the quality of the Participant’s conrmed personal credit.*
•
Insurance Coordination. Should the Participant need
help for overseas medical claims, the Assistance Provider
will assist him/her in coordinating the claims procedure
with the Participant’s insurance program.*
•
Lost Documentation Service. Should the Participant
need help to replace lost or stolen travel documents (i.e.,
passport, baggage, tickets, credit cards, etc.), the Assistance
Provider will advise and assist where possible regarding
their replacement.*
•
Legal Assistance. Should the Participant need help
arranging local attorneys, embassies and consulates,
arranging bail, or coordination of payment for legal services
the Assistance Provider will provide referrals and payments,
from available resources of the Participant.*
• Emergency Delivery of Prescription Items. Should the
Participant need prescription medication or lenses not
available locally, the Assistance Provider will organize the
delivery of the prescribed item to the Participant upon
written authorization from the prescribing physician when
possible and legally permissible.*
•
Emergency Cash Transfer and Advances. Should the
Participant need cash as a result of loss or theft, the
Assistance Provider will arrange for emergency cash
transfers and advances through additional sources,
including hotels, banks, Consulates and Western Union,
up to a limit of $500 per transaction. All transactions are
subject to any government regulation and to the availability
of the Participant’s conrmed personal credit.*
•
Language Assistance. Should the Participant need help
communicating in a foreign country, the Assistance Provider
will provide telephone interpretation.*
Limitations and Exclusions:
The following conditions represent coverage exclusions:
• Suicide or attempted suicide;
• Intentionally self-inicted injuries;
•
War, invasion, acts of foreign enemies, hostilities between
nations (whether declared or not), civil war;
•
Participation in any military maneuver or training exercise;
• Mental or emotional disorders, unless hospitalized;
•
Being under the inuence of drugs or intoxicants, unless
prescribed by a Physician;
• Commission or the attempt to commit a criminal act;
• Participation as a professional in athletics;
•
Pregnancy and childbirth (except for complications of
pregnancy);
•
Travel undertaken for the specic purpose of securing
medical treatment; and
•
Bodily Injury or Sickness which can be treated locally and
does not prevent the Insured from continuing his or her
journey or from returning home.
YOU MUST CALL THE TRAVEL ASSIST NUMBER TO ASSIST IN THE CLAMS
PROCESS AND USE CERTAIN BENEFITS.
THESE ARE REIMBURSEMENT-BASED BENEFITS, MEANING AFTER A COVERED/
QUALIFIED EVENT/EXPENSE, ACTION IS REQUIRED ON YOUR PART TO CLAIM
REIMBURSEMENT FOR A COVERED/QUALIFIED EVENT/EXPENSE.
YOU BEGIN THE REIMBURSEMENT PROCESS BY CONTACTING THE ASSISTANCE
PROVIDER COMPANY AT 1-888-965-9500. IF YOU WERE A PAID AND ACTIVE
TRAVEL ASSISTANCE PROGRAM PARTICIPANT AT THE TIME OF A COVERED/
QUALIFIED EVENT/EXPENSE, YOU WILL BE PROVIDED WITH A CLAIM FORM AND
CLAIM PROCESS INSTRUCTIONS. YOU HAVE UP TO A MAXIMUM OF NINETY
(90) DAYS FROM THE DATE OF THE COVERED/QUALIFIED EVENT/EXPENSE
IN WHICH TO SUBMIT YOUR COMPLETED CLAIM FORM AND REQUIRED
SUPPORTING DOCUMENTATION.
T.A. Group Acquisition, LLC IS THE ASSISTANCE PROVIDER COMPANY. PROVIDED
BY UNDERWRITERS AT LLOYD’S OF LONDON.
*This benet is subject to the Terms & Conditions of the Travel Assistance
program administered by T.A. Group, Acquisition, LLC. The descriptions,
caps, limitations, exclusions, and notes contained herein shall constitute
the Terms & Conditions.” To view the full Terms and Conditions of the
program, visit www.travel-assist-terms-and-conditions.com.
This is not Insurance. This Benet is NOT Available to
residents of Florida, Connecticut or New York.
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Figo Pet Insurance
Quality, aordable pet insurance can help pay for unexpected veterinary
bills. As an association member you are eligible to receive a discount of
up to 10% o plans through Figo Pet Insurance.
How Does it Work and What Does it Cover?
If your pet becomes sick or injured, seek treatment from any licensed veterinarian in the world. Then submit your
bill for reimbursement on the following:
• Emergency & Hospitalization
• Surgeries
• Veterinary Specialists
• Hereditary & Congenital Conditions
• Chronic Conditions
• Dental Illness and Injury
• Prescriptions
• Imaging
• Knee Conditions
• Prosthetics & Orthopedics
• Hip Dysplasia
Policies are underwritten and issued by the insurer, Independence American Insurance Company, 485 Madison Avenue, New York, NY 10022.
Policies and claims are administered by Figo Pet Insurance, LLC, 540 N Dearborn Street #10873, Chicago, IL 60610. Insurance availability may
vary by region or state. Discounts and savings vary by state.
SAFE4R
Keeping you and your loved ones safer than ever
We live in a world with more crime being committed than ever before in history. At the same time, we have a
broken 50-year-old 911 system that is slower and more inaccessible than ever before to provide help when we
need it most. SAFE4R has created the answer to the question of “How can I keep my family safer than ever before?”
We built SAFE4R to be very simple to use. By simply saying a private voice command that you
set up or by clicking a single button you activate a powerful engine that triggers a multitude
of safety features automatically. By inviting family, friends, and neighbors to join you in the
application, you increase the power and reach of your ability to be safer than ever before.
www.aibcoalition.com
35353535
AIBC Health & Well-Being Benets
3535
Health & Well-Being
Health & Well-Being
Notes:
Z Dental
A Healthier You Starts with Better Oral Care. Healthier Mouth, Healthier You.
Explore a suite of premium oral care products that include manual toothbrushes, sonic
technology, toothpaste, and oss to keep your mouth healthy and happy. Take advantage
of exclusive association pricing on premium oral care products for a healthier, more
condent smile.
The association pays fees to certain insurance companies or their affiliates to collect dues in addition to premium. The association
has agreed to pay certain member enrollees a fee in exchange for their services.
From time to time the American Independent Business Coalition’s board evaluates service and discount proposals from various
companies. Services and discounts may be enhanced or reduced based on the board’s evaluation. Structure and dues are subject
to change based upon the membership size and changes in the services and discounts.
The American Independent Business Coalition continually looks for privileges that maximize your consumer dollars and improve
the well being of your business and household. Although the AIBC investigates each of the service providers, it cannot warrant
or guarantee their performance. If you have any comments about the providers or their services, please call the toll-free AIBC
Membership Services Office @ 1-833-418-0968.
American Independent Business Coalition
Membership Services Inquiries & Claims:
12444 Powerscourt Drive, Ste. 500A • St. Louis, MO 63131
Membership Services: 833-418-0968
369 S. Arizona Ave., Suite A • Chandler, AZ 85225
www.aibcoalition.com
