Benefits Details Exclusions & Limitations Definitions VBA Benefits & Terms FAQ Security & Privacy
VBA 24 Hour Accident Coverage
Accident Expense Coverage for Members and their Families
Helps pay your medical expenses for hospital emergency room and confinement, doctor and surgeon, lab test and x-rays, and ambulance
Accidental Death and Dismemberment benefits up to $10,000
Identity Restoration - ID Recovery Pros provides immediate and complete assistance in resolving ALL threats if your identification has been compromised. ID Restoration is a fully managed service.
Benefits are paid directly to you or your provider.
You can choose any doctor or hospital
Choice of plan options: $25,000, $20,000, $15,000, $10,000, $7,500, $5,000 or $2,000
Automatic acceptance through age 64
MDhotline, your lifeline for quick, high quality, non-emergency healthcare, 24 hours a day, 7 days a week! Cost of UNLIMITED consultations with a MDhotline Doctor is included in your VBA membership! Prescriptions for non-narcotic medications may be written over the phone for you and your dependent children of all ages when sufficient medical history is available.
 
 
Standard Options:
Option 1 Option 2 Option 3 Option 4
AD&D Maximum Benefit Amount1
$2,500 $5,000 $7,500 $10,000

Accident Medical Expense ("AME") maximum benefit amount
$2,000 $5,000 $7,500 $10,000
AME Deductible
$50 $100 $250 $275
Monthly Cost Single $29.95 $39.95 $44.95 $54.95
Monthly Cost Family $34.95 $44.95 $54.95 $64.95
 
High Limit Options:
Option 5 Option 6 Option 7
AD&D Maximum Benefit Amount1
$10,000 $10,000 $10,000

Accident Medical Expense ("AME") maximum benefit amount
$15,000 $20,000 $25,000
AME Deductible
$275 $275 $275
Monthly Cost Single $74.95 $84.95 $94.95
Monthly Cost Family $79.95 $89.95 $99.95
 
Maximum Benefit
Accident Medical Expense (AME)
Per Covered Accident
AME
Dental
Sub-Limit2
AME
Physical Therapy
Sub-Limit2
AME
Orthopedic Appliance
Sub-Limit2
AME
Transportation
Sub-Limit2
Option 1 $2,000 $500 $500 $500 $200
Option 2 $5,000 $1,250 $1,250 $1,250 $500
Option 3 $7,500 $1,875 $1,875 $1,875 $750
Option 4 $10,000 $2,500 $2,500 $2,500 $1,000
Option 5 $15,000 $3,750 $3,750 $3,750 $1,500
Option 6 $20,000 $5,000 $5,000 $5,000 $2,000
Option 7 $25,000 $6,250 $6,250 $6,250 $2,500
 
1The benefit amount shown is your accidental death benefit amount. The benefit amount for accidental dismemberment is a percentage of the accidental death amount. The benefit amount for your spouse/domestic partner is 50% of your amount and for your dependent children is 20% of your amount. If you have no dependent children, your spouse/domestic partner's benefit amount is equal to 60% of your amount. If you have no spouse/domestic partner your dependent children's benefit amount is equal to 25% of your amount.
 
2 The Benefit Amounts shown above for Dental, Physical Therapy, Orthopedic Appliance, and Transportation are part of, and not in addition to, the Maximum Benefit Amount for Accident Medical Expense. Payment of these Benefit Amounts reduces and does not increase the Benefit Amount for Accident Medical Expense.