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HD Critical Protection

Start coverage as early as December, 13

About HD Critical Protection

The HD Critical Protection membership provides members with supplemental Critical Illness and Accident Insurance coverage. 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 home exercise products, Nutrisystem, exercise videos and health coaching.

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 North American, 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.

Insured Benefits

Group Critical Illness Insurance Plans

Underwritten by Catlin Insurance Company, Inc. 3340 Peachtree Rd, NE, Suite 2950, Atlanta, GA 30326
Policy Form Series: AHAG 051 (in LA, AHAG AS050) and Rider Form Series AHAG 407.
Benefit DescriptionLevel 1Level 2Level 3Level 4
Critical Illness Insurance (Excludes Pre-Exisiting Conditions as defined in the Certificate)1
Maximum Benefit Amount$2,500$5,000$7,500$10,000
Invasive Cancer100%100%100%100%
Heart Attack (Myocardial Infarction)
Coronary Artery Bypass Graft
Kidney (Renal) Failure
Major Organ Transplant
Paralysis
Stroke
Coma

The CI only memberships also include equal benefit amounts of AD&D. See below for AD&D benefit details.

¹Group Critical Illness Insurance contains a Pre-Existing Condition limitation. Please read your Certificate carefully for full details.
We will pay the benefit shown in the Schedule of Benefits:

  1. if the Covered Person is diagnosed for the first time by a Physician as having a Covered Condition and the diagnosis
    is made while the Coverage is in force; and
  2. if the Covered Condition is not a Pre-Existing Condition; and
  3. if the Covered Condition is first diagnosed after 90 days from the Covered Person’s effective date;
  4. if none of the exclusions or limitations described in the Coverage or Policy apply; and
  5. if the Covered Person survives for a period of not less than 90 days after the first diagnosis of a covered Critical Illness.
  6. if the Covered Person signs up for coverage prior to Age 65.
  7. if the Covered Person is less than Age 70.

Group Accident Insurance Plans

Underwritten by Catlin Insurance Company, Inc. 3340 Peachtree Rd, NE, Suite 2950, Atlanta, GA, 30326
Policy Form Series: AHAG 051 (In LA, AHAG AS050) and Rider Form Series AHAG 401
Benefit DescriptionLevel 1Level 2Level 3Level 4
Accident Medical Expense Insurance (Excludes Pre-Existing Conditions as defined in the Certificate)2
Accident Medical Expense Limit$2,500$5,000$7,500$10,000
Deductible per Covered Accident$250$250$250$250
Accidental Death & Dismemberment Insurance3
Principal Sum - Member, Spouse, Child(ren)$2,500$5,000$7,500$10,000
Schedule of Covered Losses
Loss of Life100%100%100%100%
Loss of Two or More Hands or Feet
Loss of Sight of Both Eyes
Loss of Speech and Hearing (in both ears)
Loss of One Hand or Foot50%50%50%50%
Loss of Sight in One Eye
Severance and Reattachment of One Hand or Foot
Loss of Speech or Hearing (in both ears)
Loss of Thumb and Index Finger of the Same Hand25%25%25%25%
Loss of all Four Fingers of the Same Hand
Loss of all the Toes of the Same Foot20%20%20%20%

Disclaimers

² Group Accident Medical Insurance contains a Pre-Existing Condition limitation. Please read your Certificate carefully for full details.
Any benefits payable under the Additional Accident Benefits are paid in addition to any other Accidental Death and Dismemberment benefits
payable. We will pay the Usual and Customary charges for Medically Necessary Covered Medical Services after the Deductible is satisfied incurred
by the Covered Person resulting from a Covered Accident. The first treatment or service must occur within 90 days of the Covered Accident and all
subsequent treatments must be incurred within 52 weeks of the Covered Accident. Benefits will be paid up to the amount stated in the Schedule
of Benefits.
³Accidental Death and Dismemberment benefits are provided under the coverages listed. Any benefits payable under them are as shown in the
Schedule of Covered Losses and are not paid in addition to any other Accidental Death and Dismemberment benefits.

 

Other Information

Monthly Rates

Critical Illness & AME/ADD (Add-On)
Level 1
$2,500
Level 2
$5,000
Level 3
$7,500
Level 4
$10,000
Member$72$84$97$107
Member + Spouse$89$109$134$154
Member + Child(ren)$82$95$110$123
Member + Family$99$125$155$179
Critical Illness & AME/ADD (Stand-Alone)*
Level 1
$2,500
Level 2
$5,000
Level 3
$7,500
Level 4
$10,000
Member$82$102$116$129
Member + Spouse$105$138$165$187
Member + Child(ren)$99$126$146$162
Member + Family$131$176$215$252
AME/ADD (Add-On)
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
Critical Illness & ADD (Add-On)
Level 1
$2,500
Level 2
$5,000
Level 3
$7,500
Level 4
$10,000
Member$49$59$68$77
Member + Spouse$63$76$89$104
Member + Child(ren)$57$67$75$84
Member + Family$67$82$95$112
One-time $75 enrollment fee applies on the Critical Illness & AME/ADD Stand-Alone membership, charged by Health Depot Association.

Frequently Asked Questions

About the Carrier

XL Catlin

XL Catlin, through the insurance subsidiaries of XL Group plc, is a global insurance and reinsurance company providing property, casualty and specialty products to industrial, commercial and professional firms, insurance companies and other enterprises on a worldwide basis. With enhanced product development capability, XL Catlin can offer larger policies on larger risks and writes more than 30 lines of business. Our underwriters work in parallel with clients and their brokers to develop imaginative and effective risk management solutions. XL Catlin brings an incredible blend of people, products, services and technology to help businesses and people move forward. From insurance to reinsurance, XL Catlin can help you find innovative answers for a changing world. XL Catlin is the global brand used by XL Group plc’s insurance companies, including Catlin Insurance Company, Inc.

Financial Ratings

XL Group plc’s core operating subsidiaries receive consistently high ratings for financial strength from A.M. Best and Standard & Poor’s, the leading independent analysts for the insurance industry.

Membership Eligibility

  • Between the ages of eighteen (18) and sixty-four (64)
  • Reside in an available state
  • Not enrolled in Medicare, Medicaid, Medical Disability or any other Federal or state-funded program
  • Dependent children must be under age nineteen (19); twenty-four (24) if a Full-Time Student
Critical Illness (CI) Not Available in AK, CO, CT, DC, HI, ID, IN, LA, ME, MD, MA, MN, MO, MT, NV, NH, NJ, NY, NC, OR, SD, TN, TX, UT, VT, WA.
Accident Medical Expense (AME) and Accidental Death & Dismemberment (ADD) Not Available in AK, CO, CT, HI, ID, LA, ME, MD, MN, MO, MT, NV, NH, NY, NC, OR, SD, TX, UT, WA.
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