VBA Membership Non-For-Profit Association

Have you ever...

    Needed a doctor in the evenings or on the weekends?
    Needed a prescription called in to your pharmacy?
    Needed to talk to a doctor about a non-emergency illness?

MDhotline is the Solution!

Unnecessary and costly Emergency Room or Urgent Care visits can be avoided simply by contacting MDhotline! MDhotline is a nationwide network of medical physicians who provide medical advice and issue non-narcotic prescriptions (when sufficient medical history is available) to expedite hassle-free treatment. MDhotline staffed with licensed, registered nurses to speak to members regarding their medical needs and to arrange consultations with MDhotline Doctors 365 days a year / 24 hours per day / 7 days per week. MDhotline maintains members' electronic medical records (EMR) in a highly secured, Internet accessible environment and makes this information available to our network doctors prior to a doctor consultation.

  • Non-emergency medical care from the comfort of your home.
  • Accessible 24 hours a day / 7 days a week.
  • Unlimited Consultations with No Consultation Fees
  • Save time & money: no need to take time off to see a doctor.
  • An MDhotline Doctor can write a prescription for you when necessary. [No DEA Controlled Substances or Narcotics Allowed]
View MDhotline Brochure

Value Benefits of America Membership Also Includes

    🗸 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

    🗸 The Dividend Club:
      Members will earn Dividends (paid quarterly to you) on Merchandise, Services, Travel & Entertainment when you shop from our On-line Mall and make a purchase. Choose from retailers like these, just to name a few, and get the dividends:,,,,,,,,,,,,,,,, etc.

    🗸 PetAssure:
      We know your pets are part of the family! That’s why we’ve included Pet Assure, the nation’s largest pet discount plan, in your member benefits. With Pet Assure, you will save 25% on all in-house medical services provided by network veterinarians, including office visits, surgical procedures, x-rays, shots and dental care. It’s as simple as that: there are no forms to fill out, no waiting for reimbursements and no denials of coverage. All pets in your household are covered - even older pets or pets with pre-existing conditions.

    🗸 GlobalFit:
      GlobalFit offers VBA Members the guaranteed lowest rates to thousands of gyms. You can choose from major chains and community favorites.

    🗸 Car Rental Services:
      Provides discounts at Alamo, National, Hertz and Avis.

Feel Better Today. Stay Healthy for Tomorrow.

MDhotline is a nationwide network of medical physicians who provide medical advice and issue non-narcotic prescriptions (when sufficient medical history is available) to expedite hassle-free treatment. MDhotline staffed with licensed, registered nurses to speak to members regarding their medical needs and to arrange consultations with MDhotline Doctors 365 days a year / 24 hours per day / 7 days per week.

How does the MDhotline Program Work?

    • Call the Toll Free number.
    • A registered nurse verifies your membership in the MDhotline program.
    • A registered nurse documents information about your medical history.
    • A registered nurse documents your current medical concern.
    • Medical information is sent to a licensed doctor in your state of residence.
    • A MDhotline Doctor and the nurse who took your medical information will call you back within 3 hours to complete your doctor consultation.
    • A MDhotline Doctor can write a prescription when necessary. (No DEA Controlled Substances or Narcotics Allowed)
    • A MDhotline Doctor will complete a diagnosis form that will be stored in your Electronic Medical Record for future use.

A few common health conditions treated by MDhotline Doctors:

    • Fever / Cough / Sore Throat / Nasal Congestion
    • Diabetes / Weight Control
    • Ear Ache / Bronchitis
    • Allergies

ADDITIONAL BENEFITS - Accident Medical Expense:

    🗸This benefit will reimburse Medical Expenses up to benefit maximum if Accidental Bodily Injury causes an Insured Person to first incur Medical Expenses for care and treatment of the Accidental Bodily Injury within 90 days after an Accident. The Benefit Amount for Accident Medical Expense is payable only for Medical Expenses incurred within 52 weeks after the date of the Accident causing the Accidental Bodily Injury. The Benefit Amount is subject to a Deductible. The Deductible will be deducted from any Benefit Amount for Accident Medical Expense that We pay. This Deductible applies separately to each Insured Person and each Accident.

    🗸Excess Provision: The Accident Medical Expense benefit is payable on an excess basis. We will determine the Reasonable and Customary Charge for the covered Medical Expense. We will then reduce that amount by amounts already paid or payable by any Other Plan. We will pay the resulting amount less the Deductible. In no event will We pay more than the Maximum Benefit Amount for Accident Medical Expense.

    🗸Limitation on Accident Medical Expense

    🗸The Benefit Amount for Excess Accident Medical Expense does not apply to charges and services:
      •for which an Insured Person has no obligation to pay;
      •for any injury where worker's compensation benefits or occupational injury benefits are payable;
      •for any injury occurring while fighting, except in self-defense; or
      •for treatment that is educational, experimental or investigational in nature or that does not constitute accepted medical practice; or
      •for treatment by a person employed or retained by the Policyholder
      •for treatment involving conditions caused by repetitive motion injuries, or cumulative trauma and not as the result of an Accidental Bodily Injury.

    This insurance applies only to Medically Necessary charges and services.

    Discount Benefits Are Not Insurance

VBA Terms and Conditions

1. Member understands that VBA is not an insurance company or program. Accident Benefit Payments are made by the administrator for the insurance company issuing the blanket coverage to Members.
2. VBA provides savings to its members on services through a number of sources. The current list of benefits may be modified through additions or deletions. A quarterly newsletter, posted on our website or sent via e-mail, will keep Members up to date on benefits and other pertinent information.
3. Payments for the VBA Program are due in advance. Payments will be drafted on or about 15 days before the due date. If you choose to cancel your program, it is your responsibility to make sure that your membership card and a written request for cancellation are sent to VBA at least 15 days prior to the anniversary of your effective date in order for your account not to be charged for additional fees.
4. Member hereby appoints, Value Benefits of America (VBA) President, or failing this person, a VBA Director, as proxy holder for and on behalf of the member with the power of substitution to attend, act and vote for and on behalf of the member in respect of all matters that may properly come before the meeting of the members of VBA and at every adjournment thereof, to the same extent and with the same powers as if the undersigned member were present at the said meeting, or any adjournment thereof. Annual meetings are to be held in Arizona the second Tuesday of August.
5. VBA reserves the right to terminate any enrollment or deny eligibility in the program for lack of payment to VBA. Returned checks, insufficient notices on bank drafts or denial by the member's credit card company for payment of the membership fee is deemed to be evidence of non-payment by a member. There will be a $10.00 charge to be reinstated in the program after such denial. If reinstatement for non-payment happens more than once, a $20.00 reinstatement will apply.
6. In the event of any dispute, member agrees to resolve said dispute solely by binding arbitration that shall be governed by the laws of the state of Arizona and enforceable at Scottsdale, Maricopa County.
7. Membership cancelled within the first 30 days of the enrollment date may be eligible for refund if the membership card and written cancellation request are sent to VBA. The administrative fee is not refundable. Approved refunds will be processed approximately 30 days after cancellation.
8. Membership is effective on the 1st of the month following enrollment acceptance by VBA.
Member Agreement:
By signing your enrollment form, Member expresses desire to become a member of Value Benefits of America. Member acknowledges that the discount plans ARE NOT INSURANCE, but membership includes certain limited supplemental insured coverage's. Membership benefits are not a replacement for health insurance coverage nor are they intended as a substitute for health insurance coverage. Membership fees may change for all members, but not individually, with notification.
Billing will be processed on approximately the 16th of each month. You may see the transaction on your account from that day to a week later due to electronic processing. Initial billings, second drafts or in the case of a banking error we may bill on days other then the 16th.
Cancellation Request:
Refer to number 7 of VBA Terms & Conditions.
Discounts and Dividends are not insurance


When you become a customer, you entrust us with your personal data. We consider your data to be private and confidential, and we hold ourselves to the highest standards of trust and fiduciary duty in their safekeeping and use. General Agent Center (GAC) and our partners will not release information about you or your application, policy or claims information, unless one or more of the following conditions are met:

    1. We receive your prior written consent.
    2. We believe the prospective recipient to be you or your authorized representative.
    3.We are required by law to release information to the recipient.

Questions about your medical history and physical condition are required by our insurance carrier partners and will be released to the insurer so that they may underwrite your insurance application. GAC will not give or sell information about you to any other company, individual, or group without your prior authorization.

GAC will only use information about you to help us better serve your insurance needs or to suggest GAC services or insurance materials that may be of interest to you.

To further protect your privacy, our web site uses the highest levels of Internet security, including data encryption, user names and passwords, and other security tools.

Occasionally, GAC may conduct marketing surveys or research to help us evaluate products, services, and the changing needs of our customers. It is GAC's policy to keep this information confidential.

We will not share individual marketing data gathered from our web site with individuals or business entities not affiliated with GAC.

We know that the privacy of your personal information is important to you. In order to provide you with insurance products of the highest quality and with the service you deserve, it may be necessary for us from time to time to collect nonpublic personal and financial information about you (the "Information") and, in certain situations, to share that Information with others. The following notice describes our policies and practices with regard to your Information.


We maintain physical, electronic and procedural safeguards to protect the Information against unauthorized access and use. We restrict access to the Information to those employees who need access to provide products and services to you and your dependents. The personnel who have access are trained in the proper handling of the Information. Employees who violate this strict level of confidentiality are subject to our disciplinary process.


In the normal course of business we may collect the following types of Information:

  • Information you provide on applications and other forms (including name and address)
  • Data about your transactions with us (such as types of products you have purchased and your account status)
  • Information gathered on our Web sites through online forms, site visit data and online information-collecting devices known as "cookies"


  • We may share your information among the Insurance Companies as permitted by law, including for routine business administration.
  • We may share information with non-affiliated companies as allowed by law, such as firms that perform services on our behalf, including the administration and marketing of our products. We require these companies to meet strict privacy standards.
  • We may disclose information to non-affiliated entities when required by law, such as to respond to a subpoena, to prevent fraud or to comply with an inquiry by a government agency.


We strive to maintain the accuracy of Information that is in our possession about you. In order to help us maintain accuracy, you have the right to reasonably access your information. If you believe any information in our possession is inaccurate, a request can be made to amend or delete the information that you believe to be erroneous. If we concur with the request, we will amend or delete the information in question. You may write our Privacy Office at the address below to receive our complete policy on accessing and amending the Information.


We reserve the right to change this Notice. We reserve the right to make the revised Notice effective for the Information we already have about you as well as any Information we receive in the future. If we make any material changes to our policies or practices, we will provide you with a copy of a revised Notice. We will post a copy of the current Notice on our websites. The Notice will contain in the top right-hand corner, the effective date.

You may contact our Privacy Office at:
General Agent Center 15575 North 79th Place, Suite 100 Scottsdale, AZ 85260

Who purchases this coverage?
This product is for individuals and families - providing nearly 12* months of coverage with a one-time purchase of four certificates that provide consecutive coverage without gaps in coverage. In between jobs, missed Open Enrollment, waiting for Medicare, needs a temporary alternative to COBRA, losing coverage from parent's insurance.

Telemedicine 24/7
Product available in the following states:



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