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HD True Protection

Start coverage as early as December, 13

About HD True Protection

The HD True 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 insurance to help with out-of-pocket medical expenses, as well as living expenses.  And these memberships are offered year round with an option of 4 plan levels to choose from to best fit your needs.

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.

Magazine Discounts

Magazine Discounts

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

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.

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

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.

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

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, MT, ND, OK, SD, UT, VT, WA, WY.

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, IL, OK, UT, VT, WA

Value Added Benefits

MultiPlan Provider Network

Your HD True Protection plan includes the MultiPlan Limited Benefit Network through MultiPlan, Inc., which offers you:

Choice – Broad access to nearly 4,700 hospitals, 95,000 ancillaries and more than 700,000 healthcare professionals.

Savings – Negotiated discounts that result in significant cost savings when you visit in-network providers, helping to maximize your benefits. A MultiPlan Limited Benefit Plan logo on your health insurance card tells both you and your provider that a MultiPlan discount applies.

Quality – MultiPlan applies rigorous criteria when credentialing providers for participation in the MultiPlan Limited Benefit Plan Network, so you can be assured you are choosing your healthcare provider from a high-quality network.

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

 

MES Vision

Through the MES Vision program, our members receive one vision examination every 12 months plus 20% discounts on a variety of eyewear products.

Insured Benefits

Accident and Sickness Limited Benefit Insurance

Unified Life Insurance Company

Benefit DescriptionTrue Protection Level 1True Protection Level 2True Protection Level 3True Protection Level 4
Hospital Confinement Benefit
Pays a daily benefit if a Covered Person incurs charges for and is Confined in a Hospital for a period of no less than 20 continuous hours due to injuries received in a Covered Accident or due to a Covered Sickness. This benefit is not payable for emergency room or outpatient treatment.
Benefit per Day of Confinement$250$500$750$1,000
Maximum Days per Insured per Membership Year15152030
Hospital Intensive Care Unit Confinement Benefit
Pays a daily benefit if a Covered Person incurs charges for and is Confined in a Hospital Intensive Care Unit due to injuries received in a Covered Accident or due to a Covered Sickness. This benefit is payable if the Hospital Confinement benefit is payable and is paid in addition to the Hospital Confinement Benefit.1
Benefit per Day of Confinement$250$500$750$1,000
Maximum Days per Insured per Membership Year 23333
Additional Hospital Admission Benefit
Pays a benefit for the first day of hospitalization if a Covered Person incurs charges for and is Confined in a Hospital for a period of no less than 20 continuous hours due to injuries received in a Covered Accident or due to a Covered Sickness. This benefit is not payable for emergency room treatment.
Benefit for the First Day of Hospitalization$250$500$750$1,000
Maximum Days per Insured per Membership Year 21111
Surgery Benefit (percentage of Surgical Fee Schedule)3
Pays a benefit for any day a Covered Person undergoes a surgical procedure due to a Covered Accident or Covered Sickness. The procedure must be performed by a board certified surgeon in a Hospital or an Ambulatory Surgical Center. Anesthesia must be administered by a licensed anesthesiologist or certified registered nurse anesthetist (CRNA).
% of Surgical Fee Schedule for Any Day in which Surgery is performed on an Inpatient BasisN/A100%125%150%
% of Surgical Fee Schedule for Any Day in which Surgery is performed on an Outpatient BasisN/A100%125%150%
Maximum Days in which Inpatient or Outpatient Surgery is Performed per Membership YearN/A111
Anesthesia Benefit - Percentage of Surgical Fee Schedule Per Day of SurgeryN/A25%25%25%
Outpatient Surgical Facility Benefit 4
Pays a daily benefit for any day a Covered Person incurs charges for a surgical procedure performed in an Ambulatory Surgical Center or in a Hospital on an outpatient basis. The charges must be incurred as a result of injuries received in a Covered Accident or due to a Covered Sickness.
Benefit Amount per Day$200$300$400$500
Maximum Days per Insured per Membership Year1111
Doctor Office Visit Benefit
Pays a daily benefit for any day a Covered Person incurs charges for and requires a Doctor's office visit due to injuries received in a Covered Accident or due to a Covered Sickness. Visits due to injuries received in a Covered Accident must occur within 72 hours after the date of the Covered Accident. Services must be rendered by a licensed Physician acting within the scope of their license.
Benefit Amount per Day $65$75$85$100
Maximum Days per Insured per Membership Year53333
Diagnostic X-Ray & Laboratory Tests Benefit (including interpretation)
Pays a daily benefit for any day a Covered Person incurs charges for diagnostic x-ray and/or laboratory testing caused by a Covered Accident or Covered Sickness. The test must be ordered by a Physician because of a Covered Accident or Covered Sickness and must be performed in a Hospital, Ambulatory Surgical Center, Doctor's office or Diagnostic Center or Facility. This benefit is not payable if Hospital Confinement, Emergency Room or Doctor Office benefit is paid.
Benefit per Day for Basic Pathology (laboratory tests)$50$65$75$100
Benefit per Day for Basic Radiology (x-rays, ultrasounds and other medical imaging)
Maximum Benefit for All Pathology and Radiology per Insured per Membership Year2233
Emergency Room Visits Benefit 5
Pays a daily benefit for any day a Covered Person incurs charges for and requires medical care from an emergency room due to injuries received in a Covered Accident or due to a Covered Sickness. Services must be rendered by a Physician. Visits due to injuries received in a Covered Accident must occur within 72 hours after the date of the Covered Accident. Benefit will not be payable if Covered Person is confined in a Hospital as a result of the injuries received in the Covered Accident or due to the Covered Sickness that caused the visit to the Emergency Room.
Benefit Amount per Day$100$150$200$250
Maximum Days per Insured per Membership Year1111
Ambulance Benefit
Pays a benefit for any day a licensed professional ambulance company transports a Covered Person by ground transportation to or from a Hospital or between medical facilities, where treatment is received as the result of a Covered Sickness or Accident. The ambulance transportation must be within 90 days after a Covered Sickness or Accident. Benefit is payable once per Covered Sickness or Accident.
Land Ambulance Benefit$100$150$200$250
Maximum Number of Trips per Sickness and Accident per Year1111

Disclaimers

There is a 30-day waiting period for sickness on the Accident and Sickness Limited Benefit Health Insurance. Not applicable for residents of California, Idaho and Texas.

1The Hospital Intensive Care Unit Benefit is not paid in addition to the Hospital Confinement Benefit in CA; only one benefit is paid.

2Maximum Days per Insured per Membership year for CA residents is 5.

3The Surgery Benefit pays a flat dollar amount, based on the Surgical Fee Schedule, in ID, NE, OH, and TN. The benefits per membership level are as follows: Level 1- N/A, Level 2 – $850, Level 3 – $1,075 and Level 4 – $1,300. Anesthesia remains 25% of surgery benefit in these states.
CA surgery benefits Level 1 – N/A, Level 2 – 90% of 2010 RBRVS fee with $5,000 maximum benefit per coverage year per covered person, Level 3 and Level 4 – 100% of 2010 RBRVS fee with $10,000 maximum benefit per coverage year per covered person. Anesthesia remains 25% of surgery benefits for California.

4The Outpatient Surgical Facility Benefit is not available in CA.

 

Group Accidental Death and Dismemberment Insurance

Unified Life Insurance Company

Benefit DescriptionTrue Protection Level 1True Protection Level 2True Protection Level 3True Protection Level 4
Critical Illness 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$2,500$5,000$5,000
Heart Attack100%100%100%100%
Invasive Cancer 6 (diagnosis more than 30 days after the Certificate Effective Date)100%100%100%100%
Invasive Cancer 6 (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%
Accident Excess Medical Expense Benefit 7
Pays up to benefit amount shown, after deductible, for excess medical expenses, if a Covered Person is injured as the result of a Covered Accident and receives the first treatment or service within 90 days of the Covered Accident.
Accident Excess Medical Expense Benefit per Covered Person per Covered Accident $2,500$2,500$2,500$5,000
Deductible per Covered Person per Covered Accident$250$250$250$250
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$10,000$25,000$25,000
$25,000
Common Carrier Accidental Death Benefit Principal Sum (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%
Accident 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 Insured 8
Loss of Life$10,000$25,000$25,000$25,000
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$5,000$12,500$12,500$12,500
Loss of Sight of One Eye

Disclaimers

5The Emergency Room benefit is paid in addition to the Hospital Confinement benefit for residents of CA only. This benefit also includes Urgent Care for residents of CA only.

6For CA First Occurrence of Invasive Cancer pays at 100% regardless if identified more than 30 or within 30 days oft the Certificate date.

7This benefit pays in excess of any other valid coverage, health plan, automobile medical payments coverage, government provided coverage, Workers Compensation coverage or any other employer/employee liability coverage, regardless of any coordination of benefit provision contained in the aforementioned coverages.

8Covered 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

Level 1Level 2Level 3Level 4
Member$192$282$339$419
Member + Spouse$309$499$629$799
Member + Child(ren)$299$482$595$759
Member + Family$399$665$839$1,089
One-time $99 enrollment fee applies, charged by Health Depot Association.

Frequently Asked Questions

About the Carrier

Unified Life Insurance Company is a stock life insurance company, incorporated in Texas in May 2001, and owned by the Buchanan family. The company today is the successor to a previous Unified Life that was under the same ownership since 1986.

The company is currently licensed to conduct life, health and annuity insurance and reinsurance business in 49 states (all but New York) and the District of Columbia. Unified Life operates primarily as an acquirer of insurance companies or re-insurer of life, health and annuity risks written by other companies. Most of the administrative functions are handled from its office in Overland Park, Kansas. In addition to the acquisition and reinsurance activities, the company offers policies in niche markets on a direct sales basis.

The mission of Unified Life Insurance Company is keeping promises that have been made to policyholders. Often, the fulfilling of these promises comes at difficult times in the lives of our clients. It is our obligation to fulfill these promises on a timely basis in a helpful and cordial manner. It is important to achieve our mission on a fair and equitable basis that is efficient, ethical, and professional. Finally, these promises must be fulfilled with the highest level of integrity.

Unified Life Insurance Company receives consistently high ratings for financial strength from A.M. Best, one of 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
  • Dependent children must be under the age of twenty-six (26)
Insurance benefits are not available to residents of: AK, CO, CT, DC, HI, IN, KS, ME, MD, MA, MN, MO, MT, NC, ND, NH, NJ, NY, OR, RI, SD, UT, VT, WA

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 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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