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HD Essential Protection

Start coverage as early as October, 20

About HD Essential Protection

The HD Essential Protection membership includes discounts and special offers on a variety of Consumer, Business and Health Care programs, services and discounts PLUS Accident and Sickness Limited Benefit Cash Insurance, Excess Accident Medical Expense Reimbursement Insurance, and Accidental Death & Dismemberment Insurance, depending on the plan level selected. You can choose from six coverage levels to find a plan that best fits your needs.

Association Benefits

Consumer Discounts

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.

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.

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.

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.

Magazine Discounts

Magazine Discounts

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

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.

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.

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.

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.

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.

UPS Shipping

UPS Shipping

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

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.

Health Care Discounts

Telehealth

Teladoc

Talk to a doctor by phone, web or mobile app anytime, anywhere. From your home, office, hotel room, or vacation campsite, simply make a phone call, and in most cases, speak to a doctor in less than 30 minutes, with an average call back time of less than 10 minutes. When you call Teladoc, you will always speak to a doctor who lives and works in the United States and is licensed to practice medicine in your state. Teladoc is also the only telemedicine provider able to treat children from 0-17¹ . It’s health care that fits in the palm of your hand.

ScriptSave Rx Savings Card

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.

Dental

Cigna Dental

Members and their dependents can save 15% to 50%* on dental care through our Dental network of over 110,000 participating provider listings, including both general dentists and specialists across America.

Simply select a participating dentist in your area and present your membership card at your appointment to receive the discounted rates. There is no limit to the number of visits and you can change dentists within the network at any time for any reason.

*Actual costs and savings vary by geographic area. Not available in AK, FL, MT, ND, OK, SD, UT, VT, WA, WY.

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, FL, OK, UT, VT, WA.

Laboratory Testing

MyMedLab

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, FL, IL, OK, UT, VT, WA.

Diagnostic Testing

OneCallCare

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, FL, OK, UT, VT, WA.

Diabetic Supplies

Diabetic Supplies

Through this program, you can get your diabetic testing supplies shipped directly to your door each month at a savings of up to 50% less than the retail drug store prices, including glucose meter, ultra-thin lancets, test strips and carrying case! Monthly fees are based on the number of testing times per day and the supplies will meet your monthly need. There are no health restrictions and no limit on the number of times a year you can use this service.

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

Hearing Products and Screenings

Beltone

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, FL, IL, 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.

Value Added Benefits

MultiPlan PPO Network

The MultiPlan Limited Benefit Plan Network is a Preferred Provider Organization (PPO). A PPO is a network of health care providers who agree to provide services at a pre-negotiated rate. The MultiPlan Network is an important feature of your Health Depot Plan. You have access to thousands of hospitals, practitioners and ancillary facilities who have agreed to significant discounts on their medical services. The MultiPlan Network includes nearly 4,700 hospitals, 95,000 ancillary care facilities and more than 700,000 healthcare professionals nationwide.

With discounts averaging 42% for physicians and specialists—the types of services most typically used with these plans—Health Depot members get more value for their benefit dollars.

Karis360

Karis360’s team of Advisors offer personalized, caring, expert service helping members navigate the complex and expensive healthcare maze. With services from Healthcare Navigator to Bill Negotiator to Surgery Saver to Chaplaincy, Karis360 will sort through your healthcare needs saving you time and money.

Karis360 sorts through healthcare paperwork
Karis360 saves time and money
Karis360 provides unlimited assistance from a Personal Advisor

View real member testimonials for:

Bill Negotiation   Health Care Navigator

 

Insured Benefits

Accident and Sickness Limited Benefit Cash Insurance & Voluntary Accident Insurance

Underwritten by Federal Insurance Company, a Chubb company

Benefit DescriptionEssential
Protection
Level 1
Essential
Protection
Level 2
Essential
Protection
Level 3
Essential
Protection
Level 4
Essential
Protection
Level 5
Essential
Protection
Level 6
Hospital Admission Indemnity Benefit
Pays a Hospital Admission benefit if a Covered Person is admitted to a Hospital and Confined due to an Accident or Sickness. The Covered Person must become Confined within 6 months after the covered Accident.
Benefit Amount per Hospital AdmissionN/AN/A$250$500$750$1,000
Maximum Number of Admissions per Sickness or Accident per plan YearN/AN/A1111
In-Hospital Indemnity Benefit
Pays a daily benefit after the Elimination Period for each day a Covered Person is Confined to a Hospital due to an Accident or Sickness. The first day of Confinement in the Hospital must occur within thirty (30) days of the Accident, causing the injury. Elimination Period for Sickness or Accident: 1 day. If a Covered Person is Confined in a Hospital or ICU after the Elimination Period, the daily Benefit Amount will be paid retroactively to the first day of Confinement.
Daily Benefit Amount$100$200$250$500$750$1,000
Maximum Number of Days per Period of Confinement6105555
Maximum Benefit Amount per Plan Year$1,200$4,000$2,500$5,000$7,500$10,000
Recuperation Indemnity Benefit
Pays a daily benefit after the Covered Person has been discharged from the Hospital if (a) a sickness or accident caused the hospitalization, and (b) the covered person received a benefit for in-Hospital Indemnity. This benefit pays for the same number of days for which the in-Hospital benefit is paid, and is payable in a lump sum after discharge from the hospital. If the Covered Person dies while in-hospital, no benefit is payable.
Daily Benefit AmountN/AN/A$100$100$100$100
Maximum Benefit Amount per Plan YearN/AN/A$1,000$1,000$1,000$1,000
Intensive Care Unit Indemnity Benefit
Pays a daily benefit after the Elimination Period for each day of Confinement if an Accident or Sickness causes a Covered Person to be Confined to an Intensive Care Unit (ICU). This benefit is paid in addition to the In-Hospital Indemnity Benefit Amount. The first day of Confinement in the Intensive Care Unit must occur within thirty (30) days of the Accident. Elimination Period for Sickness or Accident: 1 day. If a Covered Person is Confined in a Hospital or ICU after the Elimination Period, the daily Benefit Amount will be paid retroactively to the first day of Confinement.
Daily Benefit AmountN/AN/A$250$500$750$1,000
Maximum Number of Days per Period of ConfinementN/AN/A5555
Maximum Benefit Amount per Plan YearN/AN/A$2,500$5,000$7,500$10,000
In-Hospital Surgical Indemnity Benefit
Pays the Surgical Indemnity Benefit if a Covered Person has a Major or Minor Surgical Procedure performed while In-Hospital. A surgical procedure due to Accident must occur within thirty (30) days of the Accident, causing an Injury.
Benefit Amount per Procedure per Covered Person per Plan YearN/AN/A$250$500$750$1,000
Maximum Number of Procedures per Covered Person per Plan YearN/AN/A1111
In-Hospital Anesthesia Indemnity Benefit
Pays the Anesthesia Indemnity Benefit for the administration of anesthesia related to a covered Major or Minor Surgical Procedure performed while In-Hospital, if the Surgical Indemnity Benefit is payable.
Benefit Amount per Procedure per Covered Person per Plan YearN/AN/A$62.50$125$187.50$250
Maximum Number of Procedures per Covered Person per Plan YearN/AN/A1111
Emergency Room Indemnity Benefit
Benefit pays if an Accident or Sickness causes the Covered Person to require and receive Emergency Medical Care in an Emergency Room of a Hospital. Treatment must be received within twenty-four (24) hours of the Accident.
Per Visit Benefit Amount$50$50$250$250$250$250
Maximum Number of ER Visits per Plan Year112222
Ground Ambulance Transportation Indemnity Benefit
Benefit pays if a Covered Person requires the use of an ambulance service by ground for transportation to or from a Hospital or from one Hospital to another Hospital for care and treatment of a Covered Accident or Sickness.
Per Trip Benefit AmountN/AN/A$250$250$250$250
Maximum Number of Trips per Sickness and Accident per Plan YearN/AN/A1111
Outpatient Physician Office Visit Indemnity Benefit
Benefit pays if a Covered Person requires and receives care at a Physician’s office or clinic due to an Accident or Sickness. The visit must occur within thirty (30) days of the Accident, causing an injury. This benefit is not payable for routine eye exams, dental exams (unless the result of an accident), or annual physical exams.
Per Visit Benefit Amount$50$50$50$50$60$60
Maximum Number of Visits per Plan Year353333
Outpatient Surgical Indemnity Benefit
Pays the Surgical Indemnity Benefit if a Covered Person has a Major or Minor Surgical Procedure performed on an outpatient basis in an Outpatient Unit. A surgical procedure due to Accident must occur within thirty (30) days of the Accident, causing an Injury.
Benefit Amount per Procedure per Covered Person per Plan YearN/AN/A$250$500$750$1,000
Maximum Number of Procedures per Covered Person per Plan YearN/AN/A1111
Outpatient Anesthesia Indemnity Benefit
Pays the Anesthesia Indemnity Benefit for the administration of anesthesia related to a covered Major or Minor Surgical Procedure performed on an outpatient basis in an Outpatient Unit, if the Surgical Indemnity Benefit is payable.
Benefit Amount per Procedure per Covered Person per Plan YearN/AN/A$62.50$125$187.50$250
Maximum Number of Procedures per Covered Person per Plan YearN/AN/A1111
Accident Medical Expense Benefit
Reimburses up to $2,000 if Accidental Bodily Injury causes an Insured Person to first incur Medical Expenses for care and treatment of the Accidental Bodily Injury within ninety (90) days after an Accident. The Benefit Amount is payable only for Medical Expenses incurred within 52 weeks after the date of the Accident causing the Accidental Bodily Injury. The Accident Medical Expense (AME) benefit is payable on a primary basis for residents of FL, IN & OH. In all other jurisdictions, the AME benefit is payable on an excess basis.
Maximum Benefit per Covered Accident per InsuredN/A$1,000$2,000$2,000$2,000$2,000
Deductible per Covered Accident per InsuredN/A$200$200$200$200$200
Accidental Death & Dismemberment Benefit (Principal Sum)
Pays a lump sum for accidental loss of life, limb, speech, sight or hearing. The Primary Member’s benefit is equal to 100% of the Principal Sum listed. The Spouse’s or Domestic Partner’s benefit is equal to 50% of the Member’s Principal Sum. Dependent Children’s benefit is equal to 10% of the Member’s Principal Sum.
Loss of: Life; Speech and Hearing; Speech and One Hand, One Foot or Sight of One Eye; Hearing and One Hand, One Foot or Sight of One Eye; Both Hands or Feet; Sight or a combination of any two of Hand, Foot or Sight of One EyeN/A$10,000$10,000$10,000$10,000$10,000
Loss of: Hand; Foot; Sight of One Eye; Speech; HearingN/A$5,000$5,000$5,000$5,000$5,000
Loss of: Thumb and Index Finger of the Same HandN/A$2,500$2,500$2,500$2,500$2,500

Disclaimers

THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE. LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES.

Important Notice: The insurance provided under the Accident and Sickness Limited Benefit Cash Policy provides limited benefits. Benefits are supplemental and not intended to cover medical expenses. A Covered Person should maintain a separate comprehensive health insurance coverage plan. This policy does not provide Medicare Supplement Coverage. If a Covered Person is eligible for Medicare by reason of age, review the Guide to Health Insurance for People with Medicare available from Federal Insurance Company.

Accident and Sickness Limited Benefit Cash Insurance and Voluntary Accident Insurance are underwritten by Federal Insurance Company, a Chubb company. The coverage described on this website may not be available in all jurisdictions. The information on this website is descriptive only. Actual coverage is subject to the language of the policies as issued: Accident & Sickness Limited Benefit Cash policies #9907-09-15 and #9907-85-41 and Voluntary Accident policies #9907-85-42 and #9907-85-46. Exclusions and limitations apply. Chubb, 202 Halls Mill Road, Whitehouse Station, N.J. 08889.

Other Information

Monthly Rates

HD Essential Protection Monthly Membership Rates
Level 1Level 2Level 3Level 4Level 5Level 6
Member$124$154$189$214$244$269
Member + 1$139$195$249$289$329$355
Member + Family$169$249$295$339$389$419
*One-time $99 enrollment fee applies for levels 2-6 and a one-time $75 enrollment fee applies for level 1, charged by Health Depot Association.

Frequently Asked Questions

About the Carrier

Federal Insurance Company

Chubb is the world’s largest publicly traded property and casualty insurer. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. Insurance products and services are provided by Chubb Insurance underwriting companies and not by the parent company itself.

Federal Insurance Company has a 2017 AM Best rating of A++ (Superior). This rating is an indication of the company’s financial strength and ability to meet obligations to its insureds.

Chubb Limited, the parent company of Chubb, is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index.

Chubb maintains executive offices in Zurich, New York, London and other locations, and employs approximately 31,000 people worldwide.

Membership Eligibility

  • Between the ages of eighteen (18) and sixty-four (64)
  • Reside in an available state
  • Dependent children must be under the age of nineteen (19) or under the age of twenty-five (25) if enrolled as a full-time student at an Institution of Higher Learning

 

Insurance benefits are not available to residents of: AK, CO, CT, HI, ID, KS, LA, ME, MD, MA, MN, MO, MT, NH, NJ, NY, NC, OK, OR, SD, UT, VT, WA, WV.

Health Care Discounts Disclosure

Not Available in AK, FL, 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 members.healthdepotsassociation.com 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.

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