Insurance Choices For Members & Their Families
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2023 OPEN ENROLLMENT ENDS IN:
Individual & Family Health Insurance
Also known as "Obamacare plans", this type of major medical insurance meets the ACA's minimum essential coverage requirements. These plans are eligible for lower premiums through government subsidies. See if you qualify.
Non-ACA Health Insurance
Also known as "short-term health insurance", non-ACA plans can be an affordable alternative for those who are in good health and don’t need coverage for maternity, mental health, substance abuse, or preexisting conditions. There is no designated enrollment period for these plans; you can apply at any time.
(Note: Non-ACA/short-term health insurance is medically underwritten and does not cover preexisting conditions. The coverage does not meet ACA minimum essential requirements.)
View a replay of our 2022 Individual Health Insurance Open Enrollment Webinar
Visiting a doctor just got a lot easier.
With an MDLIVE telehealth plan you can visit with a doctor 24/7 by phone, video, or app. It’s your anytime, anywhere doctor’s office. You'll have around-the-clock access to board-certified physicians and pediatricians—who can send prescriptions directly to your pharmacy, if medically necessary. Best of all: your family members can also use the service.
MDLIVE physicians treat more than 50 routine medical conditions, such as:
- Sore throat
- Pink Eye
- Ear problems
- Sinus infection
- Respiratory problems
- Urinary problems/UTI
Scheduling Your Visit
The coverage you need. The answers you want.
Whether you’re turning 65, already on Medicare, or helping a family member with their decision, getting solid advice is vital. Is a Medicare Advantage Plan or a Medicare Supplement Plan right for you? What about prescription drug coverage? We can help you sort through the many confusing Medicare options to make the best decision for your specific circumstances.
Members can enroll for $10,000 of Basic AD&D Insurance at no cost to you.*
Looking for affordable insurance protection that goes beyond your primary medical, long-term disability, and life insurance coverage? Consider the AD&D Plan issued by The Prudential Insurance Company of America. It’s AD&D coverage for specific injuries outlined in the schedule of benefits below.
As part of your membership, members under the age of 65 are eligible for $10,000 of Basic AD&D coverage at no cost to you, and may also apply for $500,000 of Optional AD&D coverage. Acceptance is guaranteed—there are no medical exams or questions. To request coverage, simply sign up using the online web request form.
Ready to enroll for AD&D Insurance?
Added Peace Of Mind For A Little More Per Month
For a little more a month you can choose to receive $500,000 of Optional AD&D coverage. Acceptance is also guaranteed, there are no medical exams or questions.
Optional AD&D Options
Insure yourself as well as your dependents with Accidental Death & Dismemberment (AD&D) Insurance. AD&D provides benefits for losses caused by accidental bodily injury.
Members can add $500,000 of AD&D coverage and also add $250,000 coverage on your spouse. Eligible dependent children can be covered for $10,000 per child. A newborn child is not your qualified dependent until the first premium due date following birth.
Optional Benefit Rates
|Coverage||AD&D Coverage Face Amount||Monthly Cost|
Who Is Eligible To Apply?
Members who are less than age of 65 may apply for the Basic AD&D coverage.
Members who are less than age of 65 may apply for $500,000 of Optional AD&D coverage.
Spouse/domestic partner and dependent children less than 26 years old. Your children include your legally adopted children, step-children and foster children who depend upon you for support and maintenance.
AD&D Schedule of Benefits
|Basic AD&D||Optional AD&D|
|LOSS OF:||% of PRINCIPAL SUM||% of PRINCIPAL SUM|
|Both Hands or Both Feet||100%||100%|
|Sight in Both Eyes||100%||100%|
|One Hand and Foot||100%||100%|
|One Hand or One Foot and Sight of One Eye||100%||100%|
|One Hand or One Foot||50%||50%|
|Sight of One Eye||50%||50%|
|Hearing in Both Ears||50%||50%|
|Speech & Hearing in Both Ears||100%||100%|
|Four Fingers of the Same Hand||25%||25%|
|Thumb & Index Finger of Same Hand||25%||25%|
|Hearing in One Ear||25%||25%|
|One Arm or One Leg||75%||75%|
|All Toes on One Foot||13%||13%|
|Loss of Use* of One Hand or One Foot / or One Arm / or One Leg||25%||25%|
|Coma||lesser of 2% per month and $1,000, up to 100 months||lesser of 2% per month and $1,000, up to 100 months|
|Exposure and Disappearance Benefit**||% of Principal sum consistent with type of loss||% of Principal sum consistent with type of loss|
|Additional Benefits for Loss of Life due to:|
(If it cannot be determined that the person was wearing a Seat Belt at the time of the Accident, a benefit of $1,000 will be paid.)
up to $25,000
up to $25,000
up to $10,000
up to $10,000
Additional Benefits are included in the Optional coverage and are as follows:
- Bereavement and Trauma Counseling Benefit
- Child Care Expense Benefit
- Child Tuition Reimbursement Benefit
- Hearing Aids and Prosthetic Devices Benefit
- Home Alteration and Vehicle Modification Benefit
- Monthly Mortgage Payment Benefit
- Monthly Rehabilitation Expense Benefit
- Return of Remains Benefit
- Spouse Tuition Reimbursement Benefit
- Surgical Replantation Benefit
See certificate for benefit details.
*Basic AD&D coverage is provided by your association as included with your association membership and may be discontinued at any time at the discretion of your association.
**Loss of Use: The total and permanent loss of function.
***For the purposes of the Coverage:
(1) Exposure to the Elements will be considered an accidental bodily Injury. Exposure to the Elements means exposure to severe hot or cold weather that results in actual significant physical injury including sun stroke, heat stroke and frostbite.
(2) It will be presumed that the person has suffered a Loss of life if the person's body has not been found within one year of disappearance, stranding, sinking or wrecking of any vehicle in which the person was an occupant.
NY Residents: This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York Department of Financial Services.
IMPORTANT NOTICE: THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.
This site may contain marketing language, on products issued by The Prudential Insurance Company of America, that has not yet been approved in all states.
The products issued by The Prudential Insurance Company of America may not be available in all states.
This is not a complete description of the plan, but merely a brief summary. For additional information including benefits, limitations and exclusions contact the administrator, Member Benefits, for a brochure. After you enroll, you will be issued a Group Insurance Certificate describing your coverage in greater detail. The complete terms of the coverage will be governed by the group insurance contract issued by the carrier.
Accidental Death & Dismemberment Insurance coverage is issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. Contract Series 83500. CA COA #1179, NAIC #68241
Benefits that help cover the health insurance gaps when faced with serious illnesses.
The financial impact of major health conditions such as cancer, heart attack, and stroke can create hardships for most Americans and their families. Critical Illness (CI) insurance provides additional financial protection for serious illnesses such as cancer, heart attack, stroke, Alzheimer’s Disease, renal failure, and more.
Members under age 65 can get up to $30,000 of CI coverage on a guaranteed issue basis, and eligible spouses of members can get up to $15,000 of coverage on a guaranteed issue basis. (Additional amounts of coverage require evidence of insurability.) This valuable insurance coverage is provided by The Prudential Insurance Company of America.
Ready to enroll for Critical Illness Insurance?
Premiums vary based on age. (Example: The monthly premium for $30,000 of CI insurance for a 40-year-old member is around $16/mo.) Benefits paid under this CI policy are in addition to any other benefits you may receive, and are paid directly to you.
Flexible Coverage Amounts
Members who are 64 years old or younger may enroll for up to $30,000 of coverage, in $10,000 increments, allowing you to select the right level of insurance protection for yourself. At age 70, your coverage amount reduces to 50% of the initial coverage amount.
A Spouse/Domestic Partner (DP) may enroll for coverage up to $15,000 and children up to $15,000, in $5,000 increments. Neither the Spouse/Domestic Partner or children can exceed 50% of the member benefit.
No Restrictions On How You Use Your Benefit Payment
Even with health insurance, out-of-pocket medical and non-medical expenses such as deductibles or co-pays can really cause financial strain. With Critical Illness insurance, there are no limitations in how you use your benefit payments. The money can be used for anything you choose, such as home care and treatment, recuperation aid, mortgage payments or rent, child care, over-the-counter medications, groceries, college tuition, or travel to a treatment center.
Benefits are payable directly to you, as per the terms of the policy.
Does Not Terminate After One Benefit Payment
A reoccurrence benefit is a part of our standard offering and allows an insured to receive additional benefit payments for the second diagnosis of a previously covered condition up to a maximum benefit amount. The reoccurence benefit is payable at 100% of the amount paid for the first occurrence of the critical illness.
Coverage of These Ten Conditions
100% of the Amount of Insurance Payable For:
- Invasive Cancer
- Heart Attack
- Major Organ Failure
- Renal Failure
- Alzheimer's Disease
25% of the Amount of Insurance Payable For:
- Cancer in Situ
- Severe Coronary Artery Disease
- Severe Heart Valve Malfunction
The Lifetime Maximum Benefit is 200% of your amount of Insurance.
National Cancer Institute (NCI) Evaluation Benefit Amount Payable
- $500; plus
- $250 for the transportation and lodging of the Covered Person requiring the evaluation if the NCI facility is more than 100 miles from the Covered Person’s primary residence.
Transportation Benefit Amount Payable
- The actual charges insured for travel by train, plane or bus
- Noncommercial travel of $0.50 per mile for travel by personal car
- Up to annual maximum of $1,000 per calendar year
- Excludes hospitals or medical facilities within 50 miles one way, from coverage person’s primary residence.
Lodging Benefit Amount Payable
- $100 per day for up to 60 days per calendar year per covered person receiving treatment
- Excludes hospitals or medical facilities within 50 miles one way, from the covered person’s primary residence. Not payable for lodging occurring more than 24 hours prior to treatment nor for lodging occurring more than 24 hours following treatment.
Lodging Benefit Annual Limit
- The Lodging Benefit is limited to 60 days per calendar year for each Covered Person receiving treatment during that visit.
Quick Payout Process to Policyholder
A lump sum is paid to the policyholder if he or she is diagnosed with a specific illness stated on an insurance company’s predetermined list.
SEE THE CERTIFICATE OF INSURANCE FOR DETAILED PLAN COVERAGE, EXCLUSIONS, AND LIMITATIONS. THE MEMBER CRITICAL ILLNESS INSURANCE IS SPONSORED BY THE AMERICAN ASSOCIATION OF BUSINESS NETWORKING (ABN) AND OFFERED ONLY TO MEMBERS. Learn more about ABN.
The products issued by The Prudential Insurance Company of America may not be available in all states.
This coverage is not health insurance coverage (often referred to as “Major Medical Coverage”).
This type of plan is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the individual mandate that you have health insurance coverage.
Group Critical Illness Insurance coverage is a limited benefit policy issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. Prudential’s Critical Illness Insurance is not a substitute for medical coverage that provides benefits for medical treatment, including hospital, surgical, and medical expenses, and it does not provide reimbursement for such expenses. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. A more detailed description of the benefits, limitations, and exclusions applicable are contained in the Outline of Coverage provided at time of enrollment. Please contact Prudential for more information. Contract provisions may vary by state. Contract Series:114774. CA COA #1179, NAIC #68241.
Have a question or need help enrolling?
Our licensed benefits counselors are here to help. Call us at 1-800-282-8626, or make an online appointment: