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HD Critical Protection 2.0

Start your membership as early as November 18

About HD Critical Protection 2.0

The HD Critical Protection 2.0 membership provides members with access to supplemental Critical Illness and/or Group Accident Only Insurance benefits. Having supplemental insurance can help in the event of an unexpected accident or critical illness. Best of all, members can use the cash benefits however they choose- for out-of-pocket medical expenses, transportation costs, help with child care, meals or other household duties or even to pay routine monthly bills.

Association Benefits

Consumer Discounts

Retail Benefits

Retail Benefits

Through this online shopping site, members can earn up to 40% cash back at more than 5,000 leading merchants and save even more with coupons that can be used instantly in-store. Shop at popular stores like Walmart, Target, Best Buy, Crate & Barrel, Gap, Banana Republic, Champs Sports, Home Depot, Macy’s and JCPenney. Book travel (airfare, hotels, rental cars, and more) through featured sites like Travelocity, Orbitz, Hotels.com, Priceline and Expedia.

Gym America

Gym America

Online access for personalized meal plans tailored to your needs, interactive tools for keeping you on track with fitness and nutrition goals, smart weekly shopping lists and much more for a special price.

*GymAmerica.com is a proprietary Web property of Genesant Technologies, Inc.

GlobalFit Gym Network

GlobalFit Gym Network

Members receive discounted gym memberships at more than 10,000 gyms nationwide including, 24 Hour Fitness, Bally, Curves, Anytime Fitness, plus regional chains (New York Sports Clubs, etc.) and local favorites. Members can also take advantage of exclusive member savings on wearable technology, diet resources like Jenny Craig and Nutrisystem, meal plans and diet delivery options, and vitamins and supplements.

True Car Auto Buying Service

True Car Auto Buying Service

Save time and money shopping for a new or used car through True Car. Members receive exclusive pricing, price protection and a hassle-free buying experience at thousands of Certified Dealers.

Car Rental Discounts

Car Rental Discounts

Take advantage of affordable auto rental rates from Avis®, Budget® and Dollar® Rent A Car.

Note: Some blackout dates and restrictions may apply. 24-hour advance reservations are required.

Massage Envy

Massage Envy

A spa day isn’t just a way to pamper yourself—a massage can also offer health benefits to many people. Whether you suffer from chronic pain such as headaches and back issues or have a highstress life, a massage may help. Members receive up to 20% off many of the plans and services at Massage Envy.

1-800-flowers

1-800-flowers

Save 15% when you order flowers and gifts from 1800flowers.com, either online or by phone. You’ll enjoy top-quality customer service with same-day delivery on many items.

Moving Discounts

Moving Discounts

Cord Moving and Storage Co., an agent for North American Van Lines, offers members valuable discounts on moving and relocation services while providing the highest level of service and customer satisfaction.

Magazine Discounts

Magazine Discounts

Save up to 85% off regular subscription rates on popular titles through Magazineline.com and Magazines.com, Inc.

Small Business Discounts

ADP Payroll Processing

ADP Payroll Processing

Members can access a 25% discount on processing costs and a free month of payroll processing. In addition, the one-time setup fee will be waived.

Computer and Technology Products

Hewlett-Packard Computer and Technology Products

Hewlett-Packard offers members affordable pricing on business and home office products. Members receive discounts on HP notebooks, laptops, desktops, servers, printers, digital cameras, handhelds, point-of-sale (scanners, cash registers, etc.) and more.

NAC Web Services

NAC Web Services

Members can access discounts on website development and maintenance as well as web hosting. Their experienced staff of programmers and graphic designers offer creative and intuitive websites custom-built to your specifications.

Office Depot/Max Office Supplies

Office Depot/Max Office Supplies

Members save 15% off hundreds of office supplies and 60% off printing online, by phone/fax, or in stores. Members also receive additional monthly special offers and incentives, as well as free next day delivery on qualifying orders of $50 or more (reduced shipping costs for lesser orders).

Penny Wise Office Supplies

Penny Wise Office Supplies

Members receive the guaranteed lowest prices on over 20,000 office products and additional savings when orders are placed online. Fast, free shipping is also virtually guaranteed from the 40 Penny Wise distribution centers nationwide.

Sprint

Sprint

Sprint Wireless Services
With Sprint Wireless Services, new subscribers can have unlimited freedom, better choice plans and up to $250 in service credits.  If you are with another carrier, Sprint will help you determine the best plan and best time to switch. Members receive discounts on most rate plans, select Sprint accessories, 3G/4G data solutions, mi-fi and hot spot devices.

UPS Shipping

UPS Shipping

Members receive discounts on UPS delivery services for a variety of next day, 2-day and 3-day shipping options.

Value Added Benefits

ScriptSave Rx Savings Card

The ScriptSave Prescription Savings Card provides you access to discounted prescription drug prices. All household members can use the same card – including pets, if the pet medication is a common drug that is also used by people. There are no limits on how many times members and their family can use the card.

Insurance Benefits

Accident Medical Expense (AME) and Accidental Death & Dismemberment (AD&D) Insurance Benefits

Underwritten by Guarantee Trust Life Insurance Company (GTL), Glenview, IL
Policy Form Series MP-1400 (or MP-1300) issued to Health Depot Association
Benefit DescriptionLevel 1Level 2Level 3Level 4
Accident Medical Expense Benefit (AME)1
Accident Medical Expense Limit$2,500$5,000$7,500$10,000
Deductible per Covered Accident$250$250$250$250
Initial Treatment Period60 Days60 Days60 Days60 Days
Benefit Period12 Months12 Months12 Months12 Months
Covered Charges
Hospital room and board, and general nursing care, up to the semiprivate room rateup to $2,500up to $5,000up to $7,500up to $10,000
Hospital miscellaneous expense during Hospital Confinement or for outpatient surgery under general anesthetic, such as the cost of the operating room, laboratory tests, x-ray examinations, anesthesia, drugs (excluding take-home drugs) or medicines, therapeutic services and suppliesup to $2,500up to $5,000up to $7,500up to $10,000
Doctor's fees for surgeryup to $2,500up to $5,000up to $7,500up to $10,000
Anesthesia servicesup to $2,500up to $5,000up to $7,500up to $10,000
Doctor's visits, inpatient and outpatient, each visit$75$75$75$75
Hospital Emergency care$500$500$500$500
X-ray and other diagnostic tests$250$250$250$250
Ambulance expense$250$250$250$250
Durable Medical Equipment$100$100$100$100
Prescription Drugs$500$500$500$500
Dental treatment for Injury to Sound Natural Teeth$250 per tooth up to a maximum of $500$250 per tooth up to a maximum of $500$250 per tooth up to a maximum of $500$250 per tooth up to a maximum of $500
Physical Therapy$60 for first visit; $30 for each visit thereafter$60 for first visit; $30 for each visit thereafter$60 for first visit; $30 for each visit thereafter$60 for first visit; $30 for each visit thereafter
Registered Nurse expenseup to $2,500up to $5,000up to $7,500up to $10,000
Accidental Death & Dismemberment Benefit (AD&D)2
Principal Sum - Member, Spouse, Child(ren)$2,500$5,000$7,500$10,000
Schedule of Benefits
Loss of Life100%100%100%100%
Loss of Both Hands
Loss of Both Feet
Loss of the Entire Sight of Both Eyes
Loss of One Hand and One Foot
Loss of Speech and Hearing
Loss of One Hand or One Foot and Entire Sight of One Eye
Loss of One Hand or One Foot50%50%50%50%
Loss of Entire Sight of One Eye
Loss of Speech or Hearing
Loss of Hearing in One Ear25%25%25%25%

Disclaimers

1Accident Medical Expense Benefit does not pay for reinjury or complications of an injury caused or contributed by a condition that existed before the Accident.
This benefit pays in excess of any other insurance coverage you may have for the expenses you are charged by a hospital, doctor, or certain other charges, up to a maximum of the amount listed if you are injured in a covered accident. Benefits will be paid based on the Reasonable and Customary charges for Medically Necessary treatment of a Covered Injury incurred by the Covered Person resulting from a Covered Accident, after the $250.00 Deductible is satisfied. The first treatment or service must occur within 60 days of the Covered Accident and all subsequent treatments must be incurred within 12 Months of the Covered Accident. Benefits will be paid up to the amount stated in the Schedule of Benefits.
2Accidental Death and Dismemberment Benefits are provided as shown in the Schedule of Covered Losses and pays member or beneficiary up to the benefit amount listed for the member’s death or loss of certain body parts in a Covered Accident.

Group Accident Only Insurance is issued on Policy Form Series MP-1400/GC-1400 (or MP-1300/GC-1300) by Guarantee Trust Life Insurance Company, Glenview, IL. 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 review the certificate.

Stand-Alone AD&D Insurance Benefits

GROUP ACCIDENT ONLY INSURANCE PLANS
Underwritten by Guarantee Trust Life Insurance Company
Policy Form Series MP-1400 (or MP-1300) issued to Health Depot Association
Benefit DescriptionLevel 1Level 2Level 3Level 4
Accidental Death & Dismemberment Insurance3
Principal Sum $50,000$100,000$200,000$300,000
Schedule of Benefits
Loss of Life100%100%100%100%
Loss of Both Hands
Loss of Both Feet
Loss of the Entire Sight of Both Eyes
Loss of One Hand and One Foot
Loss of Speech and Hearing
Loss of One Hand or One Foot and Entire Sight of One Eye
Loss due to Hemiplegia
Loss due to Paraplegia
Loss due to Quadriplegia
Loss of One Hand or One Foot50%50%50%50%
Loss of Entire Sight of One Eye
Loss of Speech or Hearing
Hearing in One Ear25%25%25%25%
Loss of Thumb and Index Finger of the Same Hand

Disclaimers

3Accidental Death and Dismemberment Benefits are provided as shown in the Schedule of Benefits and pays the member or beneficiary up to the benefit amount listed for the member’s death or loss of certain body parts in a Covered Accident. Principal Sum will be reduced by 50% for injury which occurs on or after a Covered Person’s 70th birthday.

AD&D with Critical Illness Insurance Benefits

GROUP ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE
Underwritten by Unified Life Insurance Company
Group Policy issued to Health Depot Association
Benefit DescriptionLevel 1Level 2Level 3Level 4
Critical Illness Insurance First Occurrence Lump Sum Benefit
Pays a benefit for any Covered Person upon the First Ever Diagnosis by a Physician of one of the following covered conditions or procedures:
Maximum Benefit per Insured per Membership Year$2,500$5,000$7,500$10,000
Heart Attack100%100%100%100%
Invasive Cancer4 (diagnosis more than 30 days after the Certificate Effective Date)100%100%100%100%
Invasive Cancer4 (diagnosis within the first 30 days after the Certificate Effective Date)10%10%10%10%
End-Stage Renal Failure100%100%100%100%
Stroke100%100%100%100%
Major Organ Transplant100%100%100%100%
Cancer In Situ - (diagnosis more than 30 days after the Certificate Effective Date)25%25%25%25%
Cancer In Situ - (diagnosis within the first 30 days after the Certificate Effective Date)2.5%2.5%2.5%2.5%
Accidental Death & Dismemberment Benefit (AD&D)
Pays benefit amount shown if a Covered Person is injured as the result of a Covered Accident, and dies, or loss occurs, within 365 days after the Covered Accident. Only one amount, the largest benefit amount to which the Covered Person is entitled, will be paid for all losses resulting from one Accident. If the Primary Insured’s death occurs while riding as a fare-paying passenger in a Common Carrier, the Common Carrier Benefit will be payable. There is no Common Carrier Benefit for dependents.
Accidental Death & Dismemberment Benefit Principal Sum for Primary Insured$5,000$5,000$7,500$10,000
Common Carrier Accidental Death & Dismemberment Benefit (Primary Insured Only)200%200%200%200%
AD&D Benefit for Covered DependentsPercentage of Primary Insured's Principal Sum
Accidental Death & Dismemberment Benefit for Spouse (no children)50%50%50%50%
Accidental Death & Dismemberment Benefit for Spouse (with children)40%40%40%40%
Accidental Death & Dismemberment Benefit for Child(ren) (with Spouse)10%10%10%10%
Accidental Death & Dismemberment Benefit for Child(ren) (no Spouse)15%15%15%15%
Type of LossPrincipal Sum for Primary Insured5
Loss of Life$5,000$5,000$7,500$10,000
Loss of Both Hands or Both Feet
Loss of Sight of Both Eyes
Loss of One Hand and One Foot
Loss of One Hand and the Sight of One Eye
Loss of One Foot and the Sight of One Eye
Loss of One Hand or One Foot$2,500$2,500$3,750$5,000
Loss of Sight of One Eye

Disclaimers

4For CA First Occurrence of Invasive Cancer pays at 100% regardless if identified more than 30 or within 30 days of the Certificate date.
5Covered Spouse and Covered Dependent children receive a percentage of the Primary Insured’s Principal Sum, as listed in the table above.

Other Information

Monthly Rates

AME/ADD & AD&D with Critical Illness1
Level 1
$2,500
Level 2
$5,000
Level 3
$7,500
Level 4
$10,000
Member$77$97$116$135
Member + Spouse$95$125$155$187
Member + Child(ren)$89$109$135$159
Member + Family$105$142$182$219
AME/ADD2
Level 1
$2,500
Level 2
$5,000
Level 3
$7,500
Level 4
$10,000
Member$48$56$62$67
Member + Spouse$63$69$77$85
Member + Child(ren)$62$68$76$84
Member + Family$78$89$99$106
AD&D with Critical Illness2
Level 1
$2,500
Level 2
$5,000
Level 3
$7,500
Level 4
$10,000
Member$52$62$75$85
Member + Spouse$67$82$95$114
Member + Child(ren)$63$75$87$97
Member + Family$72$92$109$129
AD&D2
$50,000$100,000$200,000$300,000
Member$22$27$35$42
Member+Family$27$35$47$62
Member + Child(ren)$25$32$42$52
Member + Family$29$41$61$79
1A one-time $75 enrollment fee applies to become a member of the Health Depot Association. 2A one-time $25 enrollment fee applies to become a member of the Health Depot Association.

Frequently Asked Questions

About the Carrier

Guarantee Trust Life

With more than 80 years of experience in the insurance industry, Guarantee Trust Life Insurance Company (GTL) has a proud heritage of providing excellent service and superior insurance products to individuals, families and groups across the country.

GTL believes in doing business the right way. They have a consistent track record of successfully delivering on their promises and preserving the trust that their partners, employees and policyholders place in them.

Their mission is to be recognized as a highly-competent, mid-sized mutual insurer, who by bridging timeless virtues with current best business practices, is effective in marketing targeted life and health products across the country.

Guarantee Trust Life Insurance Company’s current financial condition is the strongest ever. In 2016*, GTL posted record operating gains while growing surplus by 10 percent, assets by 11 percent, reserves by 12 percent. 97% of the bonds they hold are designated “Highest Quality” (Class 1) or “High Quality” (Class 2) by the National Association of Insurance Commissioners (NAIC).

Guarantee Trust Life Insurance is a mutual legal reserve company located in Glenview, IL, licensed to conduct business in 49 states and the District of Columbia.

*Guarantee Trust Life Insurance Company, Annual Statements 2015-2016

Unified Life Insurance Company

Unified Life Insurance Company is a stock life insurance company with over thirty years of experience in the fields of life, health and annuity insurance and reinsurance.

First incorporated in Texas in 1986, Unified Life has been providing valuable coverage and protection to consumers for over three decades, boasting stability and a positive financial outlook (B++) from industry rating firm AM Best.

From the beginning, Unified Life has focused on community service as a guiding principle. They believe in a responsibility to give back to their neighbors and to foster support for a variety of causes.

The mission of Unified Life is keeping promises that have been made to policyholders. They do this by being fair, equitable and efficient and striving for the highest level of integrity. Unified Life wants to be there for policyholders when needed most. Because it’s better when you’re Unified.

Membership Eligibility

HD Critical Protection 2.0

  • Between the ages of eighteen (18) and sixty-four (64); up to seventy (70) for AME/ADD only
  • Reside in an available state
  • Dependent children must be under age twenty-six (26)
AD&D/CI Not Available in AK, CO, CT, DC, HI, IN, KS, ME, MD, MA, MN, MO, MT, NH, NY, NC, ND, OR, RI, SD, UT, VT, WA. AME and ADD Not Available in AK, HI, ID, ME, MD, MN, MO, MT, NV, NH, NY, NC, OR, SD, UT, WA. AD&D/CI, AME & ADD Not Available in AK, CO, CT, DC, HI, ID, IN, KS, ME, MD, MA, MN, MO, MT, NV, NH, NY, NC, ND, OR, RI, SD, UT, VT, WA.
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