Starting Coverage: June 14

About HD EliteProtect

The HD EliteProtect 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 5 levels to choose from to best fit your needs.

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Association Benefits

Consumer Discounts

My Association Savings

My Association Savings Benefits from Abenity provides members with exclusive perks and over $4,500 in savings on everything from pizza and the zoo, to movie tickets, oil changes, hotels, and car rentals! And, with over 102,000 available discounts across 10,000 cities in the United States and Canada, you’ll never be far from savings!

Popular Features Include:

• Nearby Offers: Use our show & save mobile coupons to quickly access savings on the go.
• eTickets On Demand: Save up to 40% with no hidden fees.
• Show times: Find movies, watch trailers, and save up to 40% at a theater near you.
• Monthly Giveaways: Win cash, movie tickets, electronics and more with our monthly contests.
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.
GlobalFit Gym Network

Members receive discounted gym memberships at more than 9,000 gyms nationwide including, L.A. Fitness, Anytime Fitness, Gold’s Gym, 24 Hour Fitness, 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.
Car Rental Discounts

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

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.

Health Care Discounts

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.
Counseling and Assistance Services

With the 24/7 Counseling and Assistance Services benefit, members have access to telephonic or face-to-face counseling sessions with a local licensed provider and/or a phone counseling session with a Masters-level clinician. Members can receive up to 3 sessions, per incident per year, at no cost. In addition, members also have telephonic and online access to a wide variety of services and resources to assist with daily responsibilities. Members call 24/7 to speak with a clinician that will assess and assist in placing the member with the appropriate contact. This benefit extends to all family members living in the household.
Podiatry Discounts

Members can save 50% on the provider’s fee for their initial exam and 20% on fees for all other services, such as: treatment programs for heel and arch pain, bunions, ingrown toenails, diabetes, arthritis and other foot and ankle problems. The initial exam includes a complete gait analysis, x-ray and neurologic and vascular exams.
Diabetic Supply Discount

Health Depot members enjoy access to brand name diabetic, health and wellness, and pet health supplies at affordable prices. ADW offers deep discounts on their diabetes supply product line, which is aimed at helping people receive discounts on the supplies they need for the effective management of their health. Save an additional 10% on products by ordering online or by phone.
Nutrition & Wellness Resource

No matter what your goals — weight loss, developing and strengthening muscles, improving overall eating habits or developing a healthy attitude — Health Services
Hub can help.

Members have access to daily wellness articles and health tips, personalized workout programs for all ages and fitness levels, guidance on nutrition, weight loss and exercise, access to health risk assessments and calculators, and disease prevention studies.
Complementary & Alternative Medicine

Health Depot members can save 20% on complementary and alternative medicine (CAM) services to maintain health and wellness including: Acupuncture, Chiropractic Care Massage Therapy, Nutritional Counseling, Mediation/Relaxation and Naturopathy.
Chiropractic Care

Millions of Americans rely on chiropractic care to reduce pain and stress, and to function more productively. Members can save 20% to 40% on chiropractic fees at participating chiropractors across the country. The benefit includes a free initial consultation, discounts on examinations and x-rays, as well as 40% savings on diagnostic services and 20% savings on all other services and follow-up treatments.
Lab Testing Discounts

People across America are overpaying for lab testing they need when visiting the doctor. Grassroots Labs has built an online marketplace for lab tests to give people the power over their health care back by providing clear upfront pricing for lab testing, along with 30-70% off market rates for lab testing at more than 2,200 sites nationwide. With Grassroots Lab’s affordable and transparent pricing, individuals know their costs before they buy. They can price check labs from the doctor’s office, urgent care, or outpatient hospital facilities to make sure they get the best
deal and the care they need, all on Grassroots Lab’s secure online store.

Small Business Discounts

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.
UPS Shipping

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

Heartland® offers you easy payroll and HR solutions to manage your greatest asset – your employees – while also protecting your business. In addition, they are offering you innovative payment and point of sale solutions to help you run your business better. Heartland can help you streamline operations, increase productivity and make payments easy.
Computer & Digital Equipment

Members can now save up to 30% off the everyday public web price of Lenovo’s entire product line of laptops, tablets, desktops, servers, accessories, and more! Take advantage of great deals on top products for the home and office, including the award-winning ThinkPad laptops and innovative multimode YOGA tablets.

 
Business Supplies

Work has changed and this exciting evolution allows for ODP Business Solutions to be more agile and innovative in driving value to your business. You need more than just a supplier in your corner. Members will receive 75% on the Best Value List of preferred products and with free next-business day delivery* or in-store and curbside pickup** when shopping online using a registered account.

Value Added Benefits

Kindly Human

Kindly Human prioritizes support for all humans by embracing shared life experiences and diverse lifestyles. A human focused approach starts with personalized support opportunities. Kindly Human’s timely and modern approach to well-being supports every individual’s natural need for meaningful connection. Members have the opportunity to connect any time with a Peer experience, as well as participate in one-on-one personal conversations with a Peer Listener who relates to their experiences. With Kindly Human, members receive one free hour of connection time per month with the option to pay for more minutes as needed.

MultiPlan Provider Network

This Health Depot Membership includes the MultiPlan Limited Benefit Network through MultiPlan, Inc., which offers you:

Choice – Broad access to nearly 4,400 hospitals, 79,000 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.

Learn More About This Benefit
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Accident & Sickness Limited Benefit Insurance

Accident & Sickness Limited Benefit Insurance

Unified Life Insurance Company

Benefit DescriptionEliteProtect
Value		EliteProtect Level 1EliteProtect Level 2EliteProtect Level 3EliteProtect 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$250$500$750$1,000
Maximum Days per Insured per Membership Year1515152030
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.
Benefit per Day of ConfinementN/A$250$500$750$1,000
Maximum Days per Insured per Membership Year N/A3333
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 HospitalizationN/A$250$500$750$1,000
Maximum Days per Insured per Membership Year N/A1111
Surgery Benefit (percentage of Surgical Fee Schedule)1
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/AN/A100%125%150%
% of Surgical Fee Schedule for Any Day in which Surgery is performed on an Outpatient BasisN/AN/A100%125%150%
Maximum Days in which Inpatient or Outpatient Surgery is Performed per Membership YearN/AN/A111
Anesthesia Benefit - % of Surgical Fee Schedule Per Day of SurgeryN/AN/A25%25%25%
Outpatient Surgical Facility Benefit
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 DayN/A$200$300$400$500
Maximum Days per Insured per Membership YearN/A1111
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$65$75$85$100
Maximum Days per Insured per Membership Year33333
Diagnostic X-Ray & Laboratory Tests Benefit (including interpretation)2
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 Amount per Day for Basic Pathology (laboratory tests)$25$50$65$75$100
Benefit Amount per Day for Basic Radiology (x-rays, ultrasounds and other medical imaging)
Benefit Amount per Day for Advanced Studies (MRI, CT, PED and other advanced scans)
Maximum Benefit for All Basic Pathology, Basic Radiology and Advanced Studies Combined per Insured per Year22233
Emergency Room Visits Benefit
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 DayN/A$100$150$200$250
Maximum Days per Insured per Membership YearN/A1111
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.
Benefit Amount per DayN/A$100$150$200$250
Maximum Days per Insured per Membership Year N/A1111

Disclaimers

Limitations & Exclusions

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

1 The Surgery Benefit pays a flat dollar amount, based on the Surgical Fee Schedule, in CA, ID, NE, OH, and TN. The benefits per membership level are as follows: Value – N/A, Level 1 – N/A, Level 2 – up to $850, Level 3 – up to $1,075, Level 4 – up to $1,300. Anesthesia remains 25% of surgery benefit in these states.
2 If a covered person has more than one Basic Pathology, Basic Radiology or Advance Study on the same day, we will pay the benefit that has the highest dollar value.

HD EliteProtect Monthly Membership Rates

ValueLevel 1Level 2Level 3Level 4
Member$299$399$499$599$699
Member + Spouse$429$549$699$929$999
Member + Child(ren)$429$549$699$929$999
Member + Family$529$679$879$1,199$1,299
One-time enrollment fee applies, charged by Health Depot Association.

FAQ / About the Carrier

FAQs

About the Carrier

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

• 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)

The EliteProtect membership is not available in AK, CA, CO, CT, DC, HI, IN, KS, ME, MD, MA, MN, MO, MT, NH, NJ, NY, NC, ND, OR, PA, RI, SD, UT, VT, WA.