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5Star Group Accident Insurance Plan

Start your membership as early as September 22

About 5Star Group Accident Insurance Plan

The 5Star Accident Plan provides each Member coverage under a Group Accident Insurance Policy. Benefits include Accidental Death & Dismemberment, Dislocations, Fractures, Burns, Hospitalization, ER, Ambulance and several other Medical Services for Covered Accidents. Having supplemental insurance can help cover out-of-pocket expenses in the event of an unexpected injury. Best of all, members can use the cash benefits however they choose.  5Star Accident also includes a variety of health care programs, services and discounts to help save money and manage everyday healthcare expenses.

Association Benefits

VAB Health Care Solutions

Laboratory Testing


MyMedLab offers an efficient, affordable and confidential solution to medical laboratory testing. You can purchase the same testing ordered by your doctor at a cost 50% to 80% less than in your doctor’s office or local hospital lab.

Testing can be purchased 24 hours a day on the MyMedLab website. Tests are listed both individually and in groups called Wellness Profiles based on your age, sex and family history. This basic information is all you need to identify which profile evaluates your risk for common conditions associated with your specific group.

Not available in AL, IL, OK, UT, VT, WA.

Diagnostic Testing


Radiology tests have become key tools for physicians to help diagnose and monitor disease. Through One Call Care, our members can save 20% to 50% on MRIs, PET and CT scans when these tests are ordered by a doctor. Make the most out of your health plan and take advantage of optimal quality, convenience, and savings with just one call.

Not available in AL, OK, UT, VT, WA.

Hearing Products and Screenings


Members and their immediate family members (grandparents, parents, spouse and children) will receive complimentary hearing screenings and a 15% retail discount off the usual and customary retail price of any Beltone hearing instrument at any of over 1500 locations throughout the United States.

Not available in AL, IL, OK, UT, VT, WA.

EyeMed Vision Network Savings

EyeMed Vision Network Savings

Access to a national network of over 65,000 vision providers in 26,000+ locations, including LensCrafters®, Sears Optical®, Target Optical®, JCPenney Optical® and most Pearle Vision® locations. Members enjoy their choice of participating independent optometrists, ophthalmologists and opticians located throughout the country.

Not available in AK, OK, UT, VT, WA.

IDLife Nutritional Products

IDLife Nutritional Products

IDLife products are scientifically formulated to help you by providing therapeutic doses of specific nutrients to:

  • Restore nutrients depleted by your Rx program
  • Help your body resist Rx side effects
  • Improve your overall nutrition status thus optimizing your health

Additionally, they have been pre-screened to avoid drug/nutrient interactions that may be present with your current vitamin program.

Insured Benefits

Group Accident Insurance Coverage

5Star Life

Accidental Death Benefits1
Accidental Death$50,000
Common Carrier Accidental Death$100,000
Accidental Dismemberment Benefits1
Both Hands, Both Feet, Sight of Both Eyes, or any combination of two or more$20,000
Quadriplegia (total paralysis of both upper and lower limbs)$12,500
Loss of One Hand or Arm; Loss of One Foot or Leg; or Loss of Sight of One Eye$10,000
Paraplegia (total paralysis of both lower limbs); or Hemiplegia (total paralysis of both upper and lower limbs of one side of the body)$7,500
Uniplegia (total paralysis of one limb)$5,000
Loss of Two or More Fingers, Toes or any combination of two or more losses$3,000
Loss of One Finger or Toe$1,500
Catastrophic Accident Benefits2
Loss of Sight of Both Eyes; Loss of Hearing of Both Ears; or Loss of the Ability to Speak $50,000
Loss of Use of One Arm and One Leg; Loss of Both Hands or Arms; Loss of Both Feet or Legs; or Loss of One Hand and One Foot$500
Dislocation BenefitsClosed/Open Reduction
Knee (except patella)$2,500
Ankle-bone(s) of foot (except toes)$2,000
Collarbone (sternoclavicular)$1,200
Lower Jaw, Shoulder, Elbow or Wrist; or Hand bone(s) (except fingers)$700
Collarbone (Acromioclavicular and separation); or One finger or One Toe$250
Fracture BenefitsClosed/Open Reduction
Skull-depressed (except bones of the face or nose)$5,000
Hip or Thigh (femur)$3,500
Skull-simple (except bones of the face or nose)$2,500
Pelvis (except coccyx),Vertebrae (except processes), Leg (tibia and/or fibula)$2,000
Arm, between shoulder and elbow (shaft); Upper Jaw, Maxilla (except Alveolar Process); Bones of face or nose$850
Vertebral processes; Shoulder blade (scapula), Collarbone (clavicle, sternum); Knee cap (patella), Ankle, Foot (except toes); Forearm (radius or ulna), hand or wrist (except fingers); or Lower jaw (except alveolar process)$700
Rib; or Coccyx$500
Finger, Toe$150


¹ Covered Spouse receives 50% of the Primary Insured’s Principal Sum, and Covered Dependent children receive 25%.
² The Catastrophic Accident benefit payout will be reduced by 50% if the accident occurs between the ages of 65- 69.

Hospital & Medical Benefits

5Star Life

Hospital Admission
Benefit Amount per Admission$1,000
Maximum Benefit Paid per Covered Accident1
Daily Hospital Confinement
Benefit Amount per Day of Confinement$300
Maximum Days per Covered Accident180
Daily Hospital Intensive Care Unit Confinement
Benefit Amount per Day of Confinement$750
Maximum Days per Covered Accident10
Ground Ambulance Benefit Amount$100
Air Ambulance Benefit Amount$500
Maximum Benefit Paid per Covered Accident1
Outpatient Medical Expenses
Maximum Benefit Amount per Treatment$300
Maximum Days per Plan Year 1
Emergency Room Treatment
Maximum Benefit Amount per Visit$200
Maximum Benefit Paid per Covered Accident1


Other Information

Monthly Rates

Member + Spouse$32.53
Member + Child(ren)$37.26
Member + Family$44.32
Rates include a $9.00 monthly fee for the Health Depot Association/Value-Added Benefits and provides access to those benefits for all insureds on the 5Star policy. (Members enrolled in multiple 5Star plans will only incur one $9.00 monthly fee for the Health Depot membership.)

Health Care Discounts Disclosure

Not Available in AK, OK, UT, VT, WA. If members move to one of those states, their discount medical benefits will terminate.
The discount medical, health and drug benefits (The Plan) are NOT insurance, a health insurance policy, a Medicare Prescription Drug Plan or a qualified health plan under the Affordable Care Act.
The Plan provides discounts for certain medical services, pharmaceutical supplies, prescription drugs or medical equipment and supplies offered by providers who have agreed to participate in the Plan. The range of discounts for medical, pharmacy or ancillary services offered under The Plan will vary depending on the type of provider and products or services received. The Plan does not make and is prohibited from making members’ payments to providers for products or services received under The Plan. The Plan member is required and obligated to pay for all discounted prescription drugs, medical and pharmaceutical supplies, services and equipment received under The Plan, but will receive a discount on certain identified medical, pharmaceutical supplies, prescription drugs, medical equipment and supplies from providers in The Plan. The Discount Medical Plan Organization is Alliance HealthCard of Florida, Inc., P.O. Box 630858, Irving, TX 75063. You may call 855-351-7535 for more information or visit for a list of providers. The Plan will make available before purchase and upon request, a list of program providers and the providers’ city, state and specialty, located in the member’s service area. Alliance HealthCard of Florida, Inc. does not guarantee the quality of the services or products offered by individual providers. You have the right to cancel your membership at any time. If you cancel your membership within 30 days of the effective date, you will receive a full refund of all periodic charges. The processing fee is non-refundable except in AR, MD and TN. To cancel you must, notify the Health Depot Association verbally or in writing; notify Health Depot Association at 6801 Gaylord Parkway, Suite 402, Frisco, TX 75034 or by calling 855-351-7535. We will stop collecting membership fees in a reasonable amount of time, but no later than 30 days after cancellation. Any complaints should be directed to Alliance HealthCard of Florida, Inc. at the address or phone number above. Upon receipt of the complaint, member will receive confirmation of receipt within 5 business days. After investigation of the complaint, Alliance HealthCard of Florida, Inc. will provide member with the results and a proposed resolution no later than 30 days after receipt of the complaint.
Note to DE, IL, LA, NE, NH, OH, RI, SD, TX, and WV consumers: If you remain dissatisfied after completing the complaint system, you may contact your state department of insurance.
Note to MA consumers: The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00.

Program Manager

American Online Benefits Group (AOBG) is a program manager and master general agent (MGA) of affordable health, life, dental, vision, accident and prescription benefit plans. As an industry leader with over 28 years of experience in the health, life and supplemental insurance markets, our focus is to design, develop and market quality and affordable products for the clients and members we serve. Our product concept is to provide the greatest amount of value and the highest quality of service to our insured customers. These high standards are achieved by partnering with highly rated insurance carriers, well established national associations and trustworthy marketing agencies.

About the Carrier

5Star Life Insurance Company

5Star Life Insurance Company (5Star Life), a related enterprise of the Armed Forces Benefit Association (AFBA), is a growing provider of supplemental and voluntary life insurance products, with no war or terrorism exclusions*. Our flexible business model enables us to serve the needs of our diverse clientele — as a life insurance advisor to individuals and organizations, and as a trusted partner to brokers. We offer a growing portfolio of employee benefit plans to fit every need and budget. Insurance is sold by 5Star Life contracted independent brokers/producers committed to offering insurance products customized to fit the needs of their clients.

Founded in 1996, today 5Star Life insures over 800,000 lives with $41.8B insurance in force. With a growing, innovative product portfolio, leading edge service and support options combined with our expertise and core values, you have our support and commitment to make it easy to do business with us.

*Exclusive to the life insurance products.

Membership Eligibility

You must:

  • be between the ages of eighteen (18) and sixty-five (65) on the effective date;
  • reside in an available state;
  • be actively at work – you are an eligible employee/member of the employer/affiliation through which you are
    applying for this insurance; you are able to work and to perform the normal activities of a person of like age and
    gender; and you are not confined in a hospital, at home or elsewhere due to injury or sickness on the date you
    signed this application.

Lawful Spouse or Civil Union or Domestic Partner accepted.

Your Dependent Children are eligible from fourteen (14) days to twenty-six (26) years.

N/A in AK, CT, DE, GA, HI, ID, ME, MD, MA, MN, MT, NV, NH, NJ, NY, NC, OK, OR, PA, SD, UT, VT, VA, WA.

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