Highlights of the program features are listed below. Click, the "Details" button for additional information on the benefits, including exclusions and limitations. Click here to download the pdf brochure.
This benefit is added to your membership after you have been a member for 12 continuous months.
This term life insurance can provide assistance to your family members during a difficult time.
• Pays the beneficiary the benefit amount listed for the member’s loss of life.
• The amounts listed are doubled if the loss of life is due to an accident.*
ValULife 10 and ValULife 25 is available to individuals Ages 18-64.This benefit continues with certain reductions and ends at Age 84. ValULife Silver is available to individuals from Ages 65-69.
Life and Accidental Death & Dismemberment (AD&D) coverages are provided under a group insurance policy issued to USA+ by The Guardian Life Insurance Company of America. Life and AD&D coverages under this plan terminates when you cease paying your USA+ membership dues, or upon termination of the group insurance policy.
Like most insurance policies, Guardian group insurance policies contain exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Please refer to the Certificate of Insurance for complete details including terms and conditions, exclusions and limitations.
The insurance benefit for ValULife is reduced to the following percentages of the benefit amount shown above:
50% at age 70
75% at age 75
90% at age 80
*Accidental coverage is not available for ValULife Silver.
Guardian Group Term Life Insurance is underwritten by The Guardian Life Insurance Company of America, New York, NY. Policy limitations and exclusions apply. Plan documents are the final arbiter of coverage for United Service Association for Health Care, group #485365.
You receive the following vision benefit: One eye exam once per year per family member from participating providers or $47 towards an exam for non participating providers. There are 37,000 VSP providers and 5,000 retail locations nationwide. Find a VSP provider near you at vsp.com.
*These insurance benefits are issued on Form Series 9000 Rev.4-13, are underwritten by Ameritas Life Insurance Corp., a NE domiciled life insurance company with main offices located at 5900 O Street, Lincoln, NE 68521. Licensed in all states except NY. This product, and its features are subject to state availability and may vary by state. Certain exclusions and limitations may apply, for cost and complete details of coverage, please contact us or your agent. These insurance benefits are not available in AK, KS, MT, NH, NY, RI, SD, UT and WA.
*Ameritas Life Insurance Corp. (“Ameritas”) provides the Dental and Vision coverage and access to the AXA program. Ameritas does not provide nor is it affiliated with any of the other programs provided as a part of the membership in USA+.
The association membership fee for dental (and vision when applicable) you will be charged includes the following insurance rates, which are paid to Ameritas: ValULife 10/ $2.77 ValULife Silver/ $2.77 ValULife 25/ $2.77
EXCLUSIONS - VISION
This plan does not cover:
· Services and/or materials not specifically included in this Schedule as covered Plan Benefits,
· Plano lenses (lenses with refractive correction of less than plus or minus .50 diopter) except as specifically allowed in the frames benefit section below,
· Services or materials that are cosmetic, including Plano contact lenses to change eye color and artistically painted Contact Lenses,
· Orthoptics or vision training and any associated supplemental testing,
· Medical or surgical treatment of the eyes,
· Local, state and/or federal taxes, except where law requires us to pay
By using a VSP provider, there is no paper work or claim to file. The member simply makes an appointment with a VSP doctor, states that they have VSP coverage, and visits the doctor. VSP handles the rest! Your Ameritas VSP identification number can be found on your ID card.
Vision Service Plan brings tremendous value to the United Service Association For Health Care Benefits! For more information, call the VSP Member Services number at 1-800-877-7195 or visit the USA+ website www.usahc.com and select the “Members Only” tab and when prompted, enter your user ID and password (login instructions listed on webpage) for online benefit information.
You are only a phone call away from immediate referral to your choice of over 20,000 attorneys, and 6,900 law firms nationwide. You are entitled to:
Dignity Memorial is a nationwide network of over 1,800 funeral, cremation, and cemetery service providers who deliver exceptional standards of care at affordable prices.
Not available to Maryland residents. This offer cannot be used in conjuction with any other affinity group offers, discounts, saving certificates or promotional programs. This offer is subject to change and may not be available at certain locations.
In the event that an eligible member suffers from a “certified injury” that requires emergency medical transportation by helicopter in accordance with EMS protocols, the program will reimburse the participant up to a maximum of $7,000.00 per occurrence. Reimbursement includes expenses incurred from the cost of “Medically Necessary” or “Life Threatening” helicopter transportation from the scene of an accident to the nearest medical facility capable of treating the injuries or from one medical facility to another medical facility. Claims for “Medically Necessary” transports from one medical facility to another medical facility are subject to review by Lifeguard’s Medical Officer.
• One benefit will be paid per occurrence.
• Benefit in excess of all other valid collectable insurance.
• Coverage is worldwide.
• Transportation by helicopter only.
This benefit is provided to USA+ members by Lifeguard Emergency Travel,
Inc. Certain terms and conditions apply and benefits are subject to the
Exclusions and Limitations. See your membership Handbook for the details.
Not available to Iowa residents.
LIMITATIONS AND EXCLUSIONS
The following conditions represent coverage exclusions:
1. Suicide or attempted suicide;
2. Intentionally self-inflicted injuries;
3. War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war;
4. Participation in any military maneuver or training exercise;
5. Mental or emotional disorders, unless hospitalized;
6. Being under the influence of drugs or intoxicants, unless prescribed by a Physician;
7. Commission or the attempt to commit a criminal act;
8. Participation as a professional in athletics;
9. Pregnancy and childbirth (except for complications of pregnancy);
10. Bodily injury or sickness which can be treated locally
The following services are available if the Participant suffers an injury or a sudden and unexpected illness, when you are 100 or more miles away from home.
How to Use Your Benefit:
To schedule service, call 877-441-6656 and a representative will assist you.
Exclusions and Limitation
Membership in USA+ is NOT insurance nor is it meant to represent an insurance contract. Some of the benefits available to our members are NOT Insurance. This is an Association Membership offered and administered by United Service Association For Health Care. As added membership benefits, all active members are automatically covered under certain group insurance policies purchased by USA+. The benefits are underwritten by A.M. Best rated insurance companies and subject to the exclusions, limitations, terms and conditions of coverage as set forth in the insurance certificate provided in your membership materials and the Policy issued to USA+. Please contact USA+ for state availability. Not available in all states.
You have 30 days (or such longer period as may be required by state law) to review and evaluate the USA+ membership. If you wish to cancel your membership and receive a full refund, you may do so by submitting a written request to USA+ at the address listed below.