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.
When you or your child are ill in the middle of the night, or at any time, it is now at your fingertips to get professional help. Speak with a caring staff of registered nurses toll-free, 24 hours a day, 7 days a week.
• It’s midnight and the baby has been crying for hours
• Your child hurt their knee while playing
• You have been newly diagnosed with diabetes
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:
Plan Details: $70 Annual Deductible for all services, $2,500 annual maximum. Benefits are paid based on the PPO contracted fee. There is no waiting period. Choose any dentist nationwide or select from one of nearly 414,000 provider access locations.
Find a Provider (Select Classic PPO)
Benefits are payable as follows:
Year 1 | Year 2 | Year 3 | |
Type 1 | 80% | 90% | 100% |
Cleanings, Exams, Sealants, Fluoride | |||
Type 2 | 60% | 80% | 100% |
Limited Oral Evaluation, All X-Rays, Palliative Treatment, Professional Consult | |||
Type 3 | 10% | 25% | 40% |
Endodontics, All Periodontics, Major Restorative, Anesthesia, Complex Extractions | |||
Type 4 | 25% | 50% | 75% |
Fillings, Crown and Denture Repair, Simple Extractions, Restorative Amalgams and Composites |
Incentive Coinsurance: Incentive Coinsurance: All members will begin at the lowest coinsurance level. Members will advance to year two coinsurance level only if a claim is received in the first Benefit Period. Members will advance to year three coinsurance level only if a claim is received in the second Benefit Period. If a claim is not received, members return to the lowest level of coinsurance. The first Benefit Period begins on the effective date of the membership and ends after 12 months have elapsed. Subsequent Benefit Periods begin on the member’s anniversary date.
Dental Rewards - Rewards insureds that care for their teeth and use only a portion of their annual maximum benefit in a year. With its increasing maximum feature, each insured member and dependent earns additional money toward their next year’s annual maximum.
To get the maximum carryover for the next year, you must meet the following requirements:
1) Visit your Dentist during your 1st Benefit Period.
2) Submit a claim within 180 days of service.
3) Total benefits paid for current benefit year visits must be less than $500.
*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, WA and UT.
*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: Member Only/ $20.68 Member + 1/ $40.54 Member + Family/$66.76
Covered Expenses will not include and benefits will not be payable for expenses incurred:
1. for initial placement of any prosthetic crown, appliance, or fixed partial denture unless needed because of the extraction of one or more teeth while the insured person is covered
under this contract. But the extraction of a third molar (wisdom tooth) will not qualify under the above. Any such prosthetic crown, appliance, or fixed partial denture must include the replacement of the extracted tooth or teeth.
2. for appliances, restorations, or procedures to:
a. alter vertical dimension;
b. restore or maintain occlusion; or
c. splint or replace tooth structure lost as a result of abrasion or attrition.
3. for any procedure begun after the insured person’s insurance under this contract terminates; or for any prosthetic dental appliances installed or delivered more than 90 days after the Insured’s insurance under this contract terminates.
4. to replace lost or stolen appliances.
5. for any treatment which is for cosmetic purposes.
6. for any procedure not shown in the Table of Dental Procedures. (There may be additional frequencies and limitations that apply, please see the Table of Dental Procedures for details.)
7. for orthodontic treatment under this benefit provision. (If orthodontic expense benefits have been included in this policy, please refer to the Schedule of Benefits and Orthodontic Expense Benefits provision found on 9260).
8. for which the Insured person is entitled to benefits under any workmen’s compensation or similar law, or charges for services or supplies received as a result of any dental condition caused or contributed to by an injury or sickness arising out of or in the course of any employment for wage for profit.
9. for charges which the Insured person is not liable or which would not have been made had no insurance been in force.
10. for services that are not required for necessary care and treatment or are not within the generally accepted parameters of care.
11. because of war or any act of war, declared or not.
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 and UT.
*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: Member Only/ $22.04 Member + 1/ $41.51 Member + Family/ $67.22
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
For more information, call USA+ Member Services at 1-800-872-1187 or visit our website at www.usahc.com for online benefit information.
Find A Provider (Select Classic PPO)
Easy as 1…2…3…
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.
When our members travel abroad, they will have peace of mind knowing that should a dental or vision need arise, help is just a phone call away. Through AXA Assistance, Ameritas now offers its dental and vision plan members access to dental or vision provider referrals when traveling outside the U.S. AXA Assistance USA is part of a global organization with offices in more than 30 countries, where AXA Assistance professionals answer calls 24 hours a day. Immediately after a call comes in, an assistance coordinator assesses the situation, provides credible provider referrals and can even assist with making the appointment. Within 48 hours following the appointment, the coordinator calls the member to find out if additional assistance is needed. If all is well, the case is closed. Then, the plan member may submit a claim to Ameritas for reimbursement consideration based on applicable plan benefits.
Providers referred by AXA Assistance USA, Inc. (AXA) are not members of the Ameritas Life Insurance Corp. (Ameritas) PPO Network. Referral to an AXA provider is not a guarantee of benefits, and all policy provisions and limitations would apply.
Note: These provider referral assistance services are independently offered and administered by AXA. Ameritas and its affiliates and subsidiaries do not participate in the selection of these dental and vision service providers and do not oversee or monitor AXA’s performance of these services. Additionally, Ameritas does not warrant or guarantee or make any representation as to the quality of the services provided by AXA or by any dental or vision services provider referred by AXA.
Accident Dental Expense
This benefit provides up to $2,000, less a $100 deductible per Injury, for Dental Expenses resulting from an Injury due to an Accident. Each Covered Person is covered for Injury which is incurred on a 24-hour per day basis.
Accidental Death and Dismemberment
Pays the beneficiary up to $1,000 for the member’s death or loss of certain body parts, or loss of sight, speech or hearing, in a covered accident.
These accident insurance benefits are issued on Form Series GP-1400, are underwritten by Guarantee Trust Life Insurance Company, an IL domiciled life insurance company with main offices located at 1275 Milwaukee Ave, Glenview, IL 60025. 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, CO, FL, KS, MA, MD, MN, MO, MT, NH, NM, NY, RI, SD, UT, VT and WA.
Guarantee Trust Life Insurance Company (GTL) provides the Accident Medical Expense Benefits coverage and the Accidental Death and Dismemberment, Loss of Sight, Speech and Hearing Benefit coverage. GTL 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 you will be charged includes the following insurance rates, which are paid to GTL: Member Only/ $.55 Member + 1/ $1.11 Member + Family/$ 1.66
EXCLUSIONS
The Policy does not provide benefits for:
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.
This product is not in any way associated with, nor does it meet, the pediatric dental requirement of the Patient Protection and Affordable Care Act (i.e., ACA, Obamacare, etc.)
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.
(800) 872-1187 and info@usahc.com
Type: Individual
1st Month Dues: $74.00
Monthly Dues: $74.00
Setup Fee: $0.00
Type: Member/Spouse
1st Month Dues: $119.00
Monthly Dues: $119.00
Setup Fee: $0.00
Type: Member/Child
1st Month Dues: $119.00
Monthly Dues: $119.00
Setup Fee: $0.00
Type: Family
1st Month Dues: $169.00
Monthly Dues: $169.00
Setup Fee: $0.00