HAA'S SUPPLEMENTAL INSURANCE PLANS CATEGORY
INCLUDES SUPPLEMENTAL GROUP INSURANCE BENEFITS
LIKE ACCIDENT, CRITICAL ILLNESS, HOSPITAL, TERM LIFE AND MORE.





ABOUT HAA's
OPTIONAL SUPPLEMENTAL PLANS CATEGORY.

As a member and part of the Healthy America Association (HAA) group, you have access to enhance your membership and add a plan that includes supplemental group insurance benefits like accident, lump sum cancer, limited specified disease (heart attack and stroke), sickness lump sum hospital, and term life insurance that have been issued to the Healthy America Association. HAA's optional supplemental plan category includes group insurance from Guaranteed Trust Life Insurance Company. View more about HAA's optional supplemental plans: HAA 5+ PLAN underwritten by Guarantee Trust Life Insurance Company. HAA 5+ plan also includes the Benefit Boost 1.0 services. HAA LIFEPASS 10 is underwritten by Guarantee Trust Life Insurance Company. (Select the name or scroll below.)



Plan details below are for plans purchased on or after 05/09/24. Please log in to your member portal for your membership details as the plan details listed below may be different from the plan you purchased. All membership plan descriptions below are based on a broad overview of the majority of state's coverage available in the plan. Some coverage amounts or coverage availability may vary by state. Always review the state specific Certificate of Insurance for each plan to determine coverage benefits, availability, terms, conditions, limitations & exclusions. If there are any discrepancies between the descriptions and the Certificate, the Certificate will govern. As an agent, make sure that you are representing the correct coverage everytime by using the Certificate of insurance for the state in which you are marketing to ensure that you are describing the correct coverage amounts and availability for the applicant's state.


HAA 5+ Plan

HAA5+

Underwritten by Guarantee Trust Life Insurance Company

Available in: AL, AR, AZ, DC, DE, GA, IA, IL, MS, NE, OH, OK, SC, TX, VA, WI, WV & WY

With Group Accident, Cancer Lump Sum Benefit Rider, Limited Specified Disease Benefit Rider providing benefits for Heart Attack and Stroke, Sickness Lump Sum Hospital Benefit Rider and Group Term Life Insurance, HAA5+ might be the right plan to add to your HAA Membership. HAA5+ offers valuable coverage for families, people who tend to be accident-prone or those that want that extra layer of protection for some of their out-of-pocket costs due to an accident or injury, critical illness, hospital stay or term life along with the highly regarded non-insurance benefit boost services like Virtual Urgent Care & Talk Therapy Visit telehealth services provided by Walmart Health Virtual Care, free vitamins and more. HAA5+ is designed to help supplement your comprehensive health insurance plan for additional protection. This optional supplemental HAA plan helps to enhance and add more value to your membership in the Healthy America Association.

Monthly Membership Plan Cost:
$70 Individual   |    $140 Ind+1 or Family

*The plan cost for the optional supplemental HAA5+ plan does not include the $15 monthly HAA Membership dues. You must be a member of the Healthy America Association in order to purchase a plan that includes group insurance.

HAA 5+ Plan

All descriptions below are based on a broad overview of the majority of state's coverage available in the plan. Some coverage amounts or coverage availability may vary by state. Always review the state specific Certificate of Insurance and Riders for each plan to determine coverage benefits, availability, terms, conditions, limitations & exclusions. If there are any discrepancies between this description and the Certificate and Riders, the Certificate and Riders will govern.

This optional plan includes Group Insurance
& Benefit Boost non-insurance services.

HAA5+ PLAN

A supplemental insurance high five,
helping with out-of-pocket medical expenses.





Group Accident Insurance


Group Accident Only Insurance

Group Accident Medical Expense Insurance

$5,000 Group Accident Medical Expense Benefit Maximum Benefit per injury.

$100 Deductible per injury.

Covered Services (as defined by policy) & Maximum Benefit:

  • Up to the Policy Limits - Hospital Room & Board, general nursing care.
  • Up to the Policy Limits - Hospital miscellaneous expenses.
  • Up to Policy Limits - Doctor's fees for surgery.
  • Up to Policy Limits - Anesthesia services.
  • Up to $75 - Doctor's visits per visit (inpatient & outpatient).
  • Up to $500 - Hospital Emergency care includes all items of expense.
  • Up to $250 - Ambulance expense.
  • Up to $250 - X-ray and other diagnostic tests.
  • Up to $100 - Durable Medical Equipment.
  • Up to $500 - Prescription drugs.
  • Up to $250 - Dental treatment for injury to sound natural teeth.
  • Up to $60 for first visit; $30 for each visit thereafter - Physical therapy.
  • Up to the Policy Limits - Registered nurse expense.

Group Accident Only Insurance is underwritten by Guarantee Trust Life Insurance Company (GTL).






Group Accident Insurance


Group Accident Only Insurance

Group Accidental Death & Dismemberment Insurance

$2,500 Principal Sum - Accidental Death & Dismemberment, Loss of Sight, Speech and Hearing Benefit

  • Loss of Life - $2,500*
  • Loss of Both Hands - $2,500
  • Loss of Both Feet - $2,500
  • Loss of the Entire Site of Both Eyes - $2,500
  • Loss of One Hand and One Foot - $2,500
  • Loss of Speech and Hearing - $2,500
  • Loss of One Hand or One Foot and Entire Sight of One Eye - $2,500
  • Loss of One Hand or One Foot - $1,250
  • Loss of Entire Sight of One Eye - $1,250
  • Loss of Speech or Hearing - $1,250
  • Loss of Hearing in One Ear - $625
  • Loss of Thumb and Index Finger of the Same Hand - $625
  • *Principal Sum will be reduced by 50% for Injury which occurs on or after a Covered Person's 65th birthday.

Group Accident Only Insurance is underwritten by Guarantee Trust Life Insurance Company.






Cancer Lump Sum Benefit Rider


Group Accident Only Insurance

Cancer Lump Sum Benefit Rider

$5,000 Maximum Benefit Amount

60 day waiting period

Benefits for the Cancer Lump Sum Benefit Rider if the Covered Person is Diagnosed with Cancer after the Rider's effective date of coverage and while the Rider is in force, subject to the Waiting Period, if any. Benefits under this provision are limited to one (1) First Diagnosis Lump Sum Benefit payment per Covered Person's lifetime.

Pre-existing conditions apply. Please read Certificate of Insurance & Cancer Lump Sum Benefit Rider for all state-specific schedule of benefits, terms, conditions, limitations, exclusions, and provisions.

Must be under age 60 to apply and enroll. Coverage eligibility applies all members under age 60. Coverage for both Covered Person and Eligible Dependent Spouse ends at age 65. Dependent Child coverage ends at age 26 or otherwise defined in the Certificate and Rider.

Group Accident Only Insurance and the Cancer Lump Sum Benefit Rider is underwritten by Guarantee Trust Life Insurance Company.






Limited Specified Disease Benefit Rider


Group Accident Only Insurance

Limited Specified Disease Benefit Rider
Providing benefits for Heart Attack and Stroke

$5,000 Maximum Benefit Amount

60 day waiting period

After the waiting period, if any, has been satisfied and while the Policy and this Rider are in force for the Covered Person, benefits will be paid for the Lum Sum Benefit Amount shown in the Schedule upon the diagnosis of a Covered Condition. If more than one qualifying Covered Condition occurs or procedure is performed under the Additional Benefit provision, a benefit will only be provided for the first Covered Condition or Additional Benefit that is eligible for benefits. A benefit will not be provided for multiple conditions.

Pre-existing conditions apply. Please read Certificate of Insurance & Limited Specified Disease Benefit Rider for all state-specific schedule of benefits, terms, conditions, limitations, exclusions, and provisions.

Must be under age 60 to apply and enroll. Coverage eligibility applies all members under age 60. Coverage for both Covered Person and Eligible Dependent Spouse ends at age 65. Dependent Child coverage ends at age 26 or otherwise defined in the Certificate and Rider.

Group Accident Only Insurance and the Limited Specified Disease Benefit Rider is underwritten by Guarantee Trust Life Insurance Company.






Sickness Lump Sum Hospital Benefit Rider


Group Accident Only Insurance

Sickness Lump Sum Hospital Benefit Rider

$2,500 per Hospital Confinement Lump Sum Hospital Benefit Amount

Lump Sum Hospital Benefit Amount:

  • 10% of Hospital Benefit Amount for First Day of Hospital Confinement within a Calendar Year.
  • 30% of Hospital Benefit Amount for Second Day of Hospital Confinement within a Calendar Year.
  • 30% of Hospital Benefit Amount for a Third Day of Hospital Confinement within a Calendar Year.
  • 30% of Hospital Benefit Amount for a Fourth Day of Hospital Confinement within a Calendar Year.

30 day Lump Sum Hospital Benefit Waiting Period

Maximum Calendar Year Benefit - One Hospital Confinement

Benefits will be paid for the Sickness Lump Sum Hospital Benefit when a Covered Person is Hospital Confined as an inpatient for a Covered Sickness. Benefits are payable only when a Covered Sickness is incurred by a Covered Person while his or her coverage under the Policy and the Rider is in force; the waiting period, if any has been satisfied; and is not otherwise excluded from coverage under the Policy and Rider. Unless specified otherwise, benefits and their limits are per Calendar Year, per Covered Person.

Pre-existing conditions apply. Please read Certificate of Insurance & Sickness Lump Sum Hospital Benefit Rider for all state-specific schedule of benefits, terms, conditions, limitations, exclusions, and provisions.

Must be under age 60 to apply and enroll. Coverage eligibility applies all members under age 60. Coverage for both Covered Person and Eligible Dependent Spouse ends at age 65. Dependent Child coverage ends at age 26 or otherwise defined in the Certificate and Rider.

Group Accident Only Insurance and the Sickness Lump Sum Hospital Benefit Rider is underwritten by Guarantee Trust Life Insurance Company.






Group Term Life Insurance


Group Term Life Insurance

$10,000 Death Benefit - Primary Member
Subject to Waiting Period & Attained Age Benefit Reduction.



Accidental Death Benefit

Group Term Life Insurance

If, within 90 days from the date of an Accident which occurs while coverage is in force, Injury from such Accident results in a loss covered by this benefit. The Death Benefit will be paid in the amount set opposite such loss, as shown in the Schedule of Benefits. If more than one such loss is sustained as the result of one Accident, only one amount will be paid, the largest to which the Covered Person is entitled.



Group Term Life Insurance Limitations

Group Term life Insurance with Accidental Death Benefit Coverage Amounts for Primary Member

AGES 18-64
Waiting Period (6 Months):
$10,000 Accidental Death Benefit Only
Ongoing Coverage (Beyond Waiting Period):
$10,000 Term Life Benefit

AGES 65-69
Waiting Period (6 Months):
$10,000 Accidental Death Benefit Only
Ongoing Coverage (Beyond Waiting Period):
$5,000 Term Life Benefit + $5,000 Accidental Death Benefit

AGES 70+
$10,000 Accidental Death Benefit Only



During the first 6 months that your benefit enrollment is active, waiting period benefits are limited to $10,000 of Accident Death Benefits only. After 6 months of continuous benefit enrollment, benefits are provided based on your attained age as reflected in the benefit tiers shown above.

Spousal Benefits are 50% of the Primary Member's term life insurance benefit, subject to the waiting period and attained age benefit tiers shown above. Child benefits are 25% of the Primary Member's term life insurance benefit.

Group Term Life Insurance is underwritten by Guarantee Trust Life Insurance Company ("GTL").



Group Term Life Insurance Exclusions

This Benefit is subject to all terms, conditions and exclusions of the Certificate of Insurance.



Suicide Exclusion

If a Covered Person dies as the result of suicide or any attempt at suicide, while sane or insane within two years of his Effective Date of coverage, the insurance company will be liable only for an amount equal to the Premium paid.

With respect to an increase in the amount of insurance, the insurance company will consider the two year period to begin as of the effective date of such increase.

The return of such Premium will be in lieu of all other benefits under the Certificate which may have been payable for that Covered Person.






HAA Membership Services

Along with the group insurance coverage provided in HAA5+, the non-insurance HAA Membership Benefits provided by the Healthy America Association include Member Perks Program, Aloe Care Health, Chiropractic Savings, Imaging Discounts, Safety Apps, Podiatry Savings, Roadside assistance and more. For full description of the HAA Membership non-insurance benefits and services, review the sample membership guide.

Guarantee Trust Life Insurance does not offer and is not affiliated with the non-insurance services and discount programs offered in connection with membership in the Healthy America Association (HAA).







ASSOCIATION MEMBERSHIP BENEFITS
PROVIDED BY:

Association Benefits are provided by HAA

GROUP ACCIDENT INSURANCE ONLY INSURANCE
CANCER LUMP SUM BENEFIT RIDER
LIMITED SPECIFIED DISEASE BENEFIT RIDER
SICKNESS LUMP SUM HOSPITAL BENEFIT RIDER
& GROUP TERM LIFE INSURANCE
ARE UNDERWRITTEN BY:
Guarantee Trust Life Insurance Company

GTL Logo


BILLING*, FULFILLMENT &
CUSTOMER SERVICE PROVIDED BY:

Healthy America Logo

*Billing is administered through the Third Party Administrator
of H A Partners, Inc. or HealthyAmerica (depending on state).




THE INSURANCE PORTIONS OF THIS MEMBERSHIP PLAN PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. THIS INCLUDES GROUP ACCIDENT ONLY AND GROUP TERM LIFE INSURANCE COVERAGE.


Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance products and is not an insurance contract, nor part of the Certificate of Insurance.

The Accident Medical Expense and Accidental Death & Dismemberment Benefits are offered under Group Accident Only Insurance issued on Policy form series MP-1400, Certificate form series GC-1400 and underwritten by Guarantee Trust Life insurance Company (GTL), Glenview, IL. The Cancer Lump Sum Benefit, Limited Specified Disease Benefit for Heart Attack and Stroke, and Sickness Lump Sum Hospital Benefit are offered as riders to the policy under form series GRG15CR, GRG15HAS, GR15SHI. Group Term Life Insurance is issued on Policy/Certificate Form Series GLMP-3002/GLC-3002. The policies are issued to the Healthy America Association (HAA) and includes the following: exclusions, limitations, reductions of benefits, and terms of renewal and termination. Subject to state availability, variability, and GTL's right to increase premium rates.

Cancellation / Termination of Benefits/Renewability: Coverage terminates when HAA terminates the policy, your membership ceases, insurance ceases for your class, for non-payment of premium by HAA, or the date of fraud or misrepresentation of a material fact. The group policy terminates for non-payment of premium, if group participation requirements are not met or on any premium due date for any of the following reasons: fraud or misrepresentation of a material fact; failure of HAA to provide required information; or at GTL's option with 30 days notice. Notice of termination provided to HAA is considered notice of termination to all members and will not be sent to you individually by GTL. The policy automatically renews each policy anniversary until cancellation/termination.

GTL does not provide nor is affiliated with the discount programs provided as part of membership in HAA.

The insurance described above provides limited benefits. Limited benefit policies are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. This insurance is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.

The following monthly insurance rates apply to coverage underwritten by Guarantee Trust Life Insurance Company. Your overall total association membership dues also include these insurance rates for the Group Accident Only Insurance, Cancer Lump Sum Benefit Rider, Limited Specified Disease Benefit Rider and the Sickness Lump Sum Hospital Benefit Rider: Individual = $29.49; Family = $68.24 and for the Group Term Life Insurance: $4.40.

As part of your overall HAA5+ plan cost, the non-insurance Benefit Boost 1.0 services retail at $25 (Individual), $40 (Ind+1), and $60 (Family). Guarantee Trust Life Insurance Company does not offer and is not affiliated with the additional non-insurance Benefit Boost 1.0 services and discount programs offered in connection with membership in the Healthy America Association (HAA). Plan cost does not include the separate $15 HAA Membership dues. You must be a member of the Healthy America Association in order to purchase this plan.

If there are any discrepancies between this description and the Certificate and Riders, the Certificate and Riders will govern.

AAD16.1-23








Benefit Boost 1.0 Services

Non-Insurance Services included in this plan.

This plan includes the highly-regarded Benefit Boost 1.0 Subscription Services which are:

  • Lyric Health Virtual Visits (Virtual Urgent Care & Virtual Talk Therapy)
  • Free gummy multi-vitamins;
  • Paramount RX® Retail Prescription & Pet Prescription Discount Card
  • SML Dental Discounts powered by Aetna Dental Access® network;
  • Identity theft protection with LifeLock®;
  • and resources and referalls for every day life with FamilySource®.

All Benefit Boost 1.0 Services are not Insurance and are separate services from the insurance as part of this optional membership plan. Benefit Boost services are subject to change when needed.

Dental Discounts powered by Aetna Dental Discount network are not available in AK, CT, IA, MA, RI, UT, VT, WA and this benefit is not available for the residents of Vermont.

As part of your overall HAA5+ plan cost, the non-insurance Benefit Boost 1.0 Subscription services retail at $40 (Individual), $80 (Ind+1), $100 (Family).

Guarantee Trust Life Insurance Company(GTL) does not offer and is not affiliated with the additional non-insurance Benefit Boost services and discount programs offered in connection with membership in the Healthy America Association (HAA).

Read the guide carefully. This is a brief description of a virtual urgent care and virtual talk therapy service with Lyric Health, dental discount program powered by the Aetna Dental Access® Network, a prescription discount program through Paramount RX®, free multi-vitamin service, an identity theft discount program through LifeLock® and a resource and referral program for every day life through FamilySource® and is not an insurance contract. This is not a qualified health plan under the Affordable Care Act (ACA). Some services may be covered by a qualified health plan under the ACA. This plan does not meet the minimum creditable coverage requirements under M.G.L.c. 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. Services may vary or may not be available in all states.

Lyric Health, Aetna Dental Access®, Paramount RX®, LifeLock®, FamilySource®, Healthy America Association (HAA), and HealthyAmerica are separate legal entities and have sole financial responsibility for their own products.



HAA LIFEPASS 10 Plan

LIFEPASS 10

Underwritten by Guarantee Trust Life Insurance Company

Available in: AL, AR, AZ, CA, CT, DC, DE, GA, IA, IL, IN, KS, KY, MI, MS, ND, NE, OH, OK, RI, SC, TN, TX, VA, WI, WV & WY

Along with the long-established services available with your Healthy America Association Membership, LIFEPASS 10 includes valuable coverage to help protect your loved ones when you are no longer there. LIFEPASS 10 can help with some out-of-pocket burial costs, obituary costs, medical bills and more. LIFEPASS 10, underwritten by Guarantee Trust Life Insurance Company, is designed to help supplement your comprehensive health insurance plan for additional protection. This optional supplemental HAA Membership plan helps to enhance and add more value to your membership in the Healthy America Association.

Monthly Membership Plan Cost:
$12 Individual   |    $20 Ind+1 or Family

*The plan cost for the optional supplemental LIFEPASS 10 plan does not include the $15 monthly HAA Membership dues. You must be a member of the Healthy America Association in order to purchase a plan that includes group insurance.

HAA TERM Plan

All descriptions below are based on a broad overview of the majority of state's coverage available in the plan. Some coverage amounts or coverage availability may vary by state. Always review the state specific Certificate of Insurance for each plan to determine coverage benefits, availability, terms, conditions, limitations & exclusions. If there are any discrepancies between this description and the Certificate, the Certificate will govern.

This optional plan includes Group Insurance.

LIFEPASS 10 PLAN

Help when you are
no longer with them.





Group Term Life Insurance


Group Term Life Insurance

$10,000 Death Benefit - Primary Member
Subject to Waiting Period & Attained Age Benefit Reduction.



Accidental Death Benefit

Group Term Life Insurance

If, within 90 days from the date of an Accident which occurs while coverage is in force, Injury from such Accident results in a loss covered by this benefit. The Death Benefit will be paid in the amount set opposite such loss, as shown in the Schedule of Benefits. If more than one such loss is sustained as the result of one Accident, only one amount will be paid, the largest to which the Covered Person is entitled.



Group Term Life Insurance Limitations

Group Term life Insurance with Accidental Death Benefit Coverage Amounts for Primary Member

AGES 18-64
Waiting Period (6 Months):
$10,000 Accidental Death Benefit Only
Ongoing Coverage (Beyond Waiting Period):
$10,000 Term Life Benefit

AGES 65-69
Waiting Period (6 Months):
$10,000 Accidental Death Benefit Only
Ongoing Coverage (Beyond Waiting Period):
$5,000 Term Life Benefit + $5,000 Accidental Death Benefit

AGES 70+
$10,000 Accidental Death Benefit Only



During the first 6 months that your benefit enrollment is active, waiting period benefits are limited to $10,000 of Accident Death Benefits only. After 6 months of continuous benefit enrollment, benefits are provided based on your attained age as reflected in the benefit tiers shown above.

Spousal Benefits are 50% of the Primary Member's term life insurance benefit, subject to the waiting period and attained age benefit tiers shown above. Child benefits are 25% of the Primary Member's term life insurance benefit.

Group Term Life Insurance is underwritten by Guarantee Trust Life Insurance Company ("GTL").



Group Term Life Insurance Exclusions

This Benefit is subject to all terms, conditions and exclusions of the Certificate of Insurance.



Suicide Exclusion

If a Covered Person dies as the result of suicide or any attempt at suicide, while sane or insane within two years of his Effective Date of coverage, the insurance company will be liable only for an amount equal to the Premium paid.

With respect to an increase in the amount of insurance, the insurance company will consider the two year period to begin as of the effective date of such increase.

The return of such Premium will be in lieu of all other benefits under the Certificate which may have been payable for that Covered Person.






HAA Membership Services

Along with the group insurance coverage provided in LIFEPASS 10, the non-insurance HAA Membership Benefits provided by the Healthy America Association include Member Perks Program, Aloe Care Health, Chiropractic Savings, Imaging Discounts, Safety Apps, Podiatry Savings, Roadside assistance and more. For full description of the HAA Membership non-insurance benefits and services, review the sample membership guide.

Guarantee Trust Life Insurance does not offer and is not affiliated with the non-insurance services and discount programs offered in connection with membership in the Healthy America Association (HAA).







ASSOCIATION MEMBERSHIP BENEFITS
PROVIDED BY:

Association Benefits are provided by HAA

GROUP TERM LIFE INSURANCE
IS UNDERWRITTEN BY:
Guarantee Trust Life Insurance Company

GTL Logo


BILLING*, FULFILLMENT &
CUSTOMER SERVICE PROVIDED BY:

Healthy America Logo

*Billing is administered through the Third Party Administrator
of H A Partners, Inc. or HealthyAmerica (depending on state).




THE INSURANCE PORTIONS OF THIS MEMBERSHIP PLAN PROVIDE LIMITED COVERAGE. THEY DO NOT PROVIDE COMPREHENSIVE MAJOR MEDICAL INSURANCE. COVERAGE IS PROVIDED UNDER GROUP TERM LIFE INSURANCE ONLY POLICIES.


Read the Certificate(s) of Insurance carefully. This is a brief description of various group association insurance products and is not an insurance contract, nor part of the Certificate of Insurance.

Group Term Life Insurance is issued on Policy/Certificate Form Series GLMP-3002/GLC-3002 by Guarantee Trust Life Insurance Company (GTL), Glenview, IL. The policy is issued to the Healthy America Association (HAA) and includes the following: exclusions, limitations, reductions of benefits, and terms of renewal and termination. Subject to state availability, variability, and GTL’s right to increase premium rates.

Cancellation / Termination of Benefits/Renewability: Coverage terminates when HAA terminates the policy, your membership ceases, insurance ceases for your class, for non-payment of premium by HAA, or the date of fraud or misrepresentation of a material fact. The group policy terminates for non-payment of premium, if group participation requirements are not met or on any premium due date for any of the following reasons: fraud or misrepresentation of a material fact; failure of HAA to provide required information; or at GTL's option with 30 days notice. Notice of termination provided to HAA is considered notice of termination to all members and will not be sent to you individually by GTL. The policy automatically renews each policy anniversary until cancellation/termination.

GTL does not provide nor is affiliated with the discount programs provided as part of membership in HAA.

The insurance described above provides limited benefits. Limited benefit policies are insurance products with reduced benefits intended to help supplement comprehensive health insurance plans. This insurance is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.

The following monthly insurance rates apply to coverage underwritten by Guarantee Trust Life Insurance Company. Your overall total association membership dues also include these insurance rates for the Group Term Life Insurance: $4.40.

Guarantee Trust Life Insurance Company does not offer and is not affiliated with the discount programs offered in connection with membership in the Healthy America Association (HAA). Plan cost does not include the separate $15 HAA Membership dues. You must be a member of the Healthy America Association in order to purchase this plan.

If there are any discrepancies between this description and the Certificate, the Certificate will govern.

Healthy America Association, Guarantee Trust Life Insurance Company, and HealthyAmerica are separate legal entities and have sole financial responsibility for their own products.

If there are any discrepancies between this description and the Certificate, the Certificate will govern.

AAD16.2-23









Healthy America Association (HAA), Guarantee Trust Life Insurance Company (GTL), Lyric Health, Paramount RX®, Aetna Dental Access®, LifeLock®, FamilySource®, Gallagher Affinity Insurance Services, Inc., and HealthyAmerica are separate legal entities and have sole financial responsibility for their own products.



AAD16.3-23


Healthy America Association (HAA) does not require members to enroll or purchase any group or blanket group insurance to become a member of HAA. The optional association group insurance is only available to members of HAA who have the desire to enhance their membership. All group association insurance offered through HAA is supplemental and does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, the insurance coverage available is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act. Membership includes multiple non-insurance services and benefits, including access to insurance products.

Healthy America Insurance Agency Inc. is the exclusive marketer for the United Business Association and Healthy America Association.
Agency CA License 0G32190





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