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Member Services:
Value Benefits of America
15575 N. 79th Place, Suite 100
Scottsdale, AZ 85260
(800) 366-2467
low cost health insurance


Defined benefits based on schedule
Guaranteed renewable to age 70
Pre-existing conditions covered after 12 months
Benefits can be assigned to doctor or hospital
Pays in addition to other insurance

Value Access Guaranteeget a quote and enroll now

Value Access Guarantee is no longer available. We sugest Value Med Insurance as an alternative.
low cost health insurance
Who is eligible?
There are no medical eligibility restrictions. Available to residents of AL, AK, AZ, AR, CO, DC, DE, FL, GA, IL, IA, KS, KY, LA, MI, MS, MO, NE, NM, OH, OK, PA, RI, SC, TN, TX, WI, and WV and WY*. Applicants must be age 18 through 64. Children may be included on an adult's policy but child-only policies are not issued.
low cost health insurance
About the Insurance Company
Value Access Guarantee is 
administered by  Value Benefits of America. The group certificate is issued by Companion Life Insurance.

*State availability of this plan may change. See the quote page for the most up-to-date list of state availability.

News and Updates

December 5, 2014 Value Access Guarantee product is no longer available. The quote links are redirected to Value Med Insurance, a similar product with the same administrator.

January 12, 2012
- Value Access Guarantee is now available in West Virginia but is no longer available in Maine, Nevada, North Carolina,  or Virginia. See the insurance exchange page links for other options in Maine and North Carolina. In Nevada and Virginia Value Med is available as an alternative.

October 3, 2011 - This page was updated at on October 3, 2011 after review following a period of temporary removal from the insurance exchange. A certificate of insurance was not reviewed. We note that the passages referring to the insurance arrangement is now removed from the plan administrator's Web site except for a section titled "About Companion Life" reproduced below. While we understand that such language is strictly controlled under the plan administrator's agreement, there is no statement to the effect "insured by ..." or similar statement typically contained in association plans that would inspire consumer confidence.

The 9/2008 brochure reviewed has two typographical errors: 1) "coverage's" 2) column titles on the chart "Option #" in the FL brochure. (Check to see if new brochures are available). Enrollment is only offered online at this time.

This is a guaranteed issue plan. OnlineAdviser prefers to recommend ValueMed for those who qualify medically.

Product Details

  • Guaranteed Issue for members and their spouse's ages 18 through 64. Coverage terminates at age 70.
  • Pays Indemnity Benefits.
  • No Deductibles or Co-pays
  • Pays Benefits for Doctors Office Visits, Hospitalization, ICU or CCU, Surgery, Anesthesia, Preventive Care, Emergency Room Care, Lab and X-Ray Testing, and Ambulance Services*
  • Dependent Child Coverage is available to age 21 if the child is dependent on the parent member; or to age 23 if attending an accredited school full-time.
  • Save money through access to Beech Street PPO Network
  • Or you can use your own Doctor, Hospital or Licensed Provider
  • Pays Benefits in Addition to any Other Insurance Coverage
  • Pre-existing Conditions Incurred within the 12 Month Period Preceding the Effective Date are not covered. The Pre-existing Conditions Limitation is waived under the Outpatient Doctors Office Visits Indemnity Benefit**


These options are approved for the states of: AL, AK, AZ, AR, CO, DC, DE, FL, GA, IL, IA, KY, LA, MI, MS, MO, NE, NM, OH, OK, PA, RI, SC, TN, TX, WI, WV, and WY. State availability of this plan may change. See the quote page for the most up-to-date list of state availability.
Waiting Period after Coverage Effective date:        
Injury 0 Days 0 Days 0 Days 0 Days
Illness 30 Days 30 Days 30 Days 30 Days
Doctors Office Visit Indemnity Benefit (Paid per Visit): $50 $50 $75 $75
Maximum Visits per Calendar Year per Individual 5 5 5 5
Maximum Visits per Calendar Year per Family (This benefit is not subject to the Preexisting Conditions Limitation) 10 10 10 10
Preventive Care Indemnity Benefit:        
Maximum 1 Visit per Calendar Year per Individual $50 $50 $75 $75
Daily In-Hospital Indemnity Benefit:        
Paid for each day of hospital confinement $500 $1,000 $1,250 $1,500
Maximum number of days per confinement 30 days 30 days 30 days 30 days
Daily Hospital Intensive Care Unit Confinement Indemnity        
Benefit: Not paid in addition to the Daily In-Hospital Indemnity $900 $1,200 $1,500 $1,500
Maximum number of days per confinement per Individual 30 days 30 days 30 days 30 days
Surgery Indemnity Benefit:        
The surgery benefit is based on multiplying the Payment Factor for the procedure listed in the Surgical Schedule, by the Surgical Procedure Unit. Up to $2,400 Up to $5,000 Up to $7,500 Up to $7,500
Surgical Procedure Units: 16 33 50 50
Maximum Surgical Sessions per Calendar Year per Individual 2 2 2 2
Anesthesia Indemnity Benefit:        
Payment is based on a Percentage of the Surgical Indemnity Benefit 20% 20% 20% 20%
Outpatient Diagnostic X-ray and Laboratory Indemnity Benefit for each day of testing: $50 $100 $150 $150
Maximum number of Testing Days per Calendar Year per Individual 5 5 5 5
Emergency Room Indemnity Benefit:        
Maximum 1 Visit per Calendar Year per Individual $50 $100 $150 $150
Ambulance Benefit Indemnity Benefit:        
Maximum 1 Visit per Calendar Year per Individual $50 $50 $50 $100
Monthly Cost Option 1 Option 2 Option 3 Option 4
Single: $130.32 $199.34 $278.82 $288.10
Family: $318.62 $498.06 $704.72 $728.88
There is a $20 enrollment fee. The Single rate includes a $15 monthly administration fee and the Family rate includes a $30 monthly administration fee.

Pre-Existing Conditions: No benefits will be payable for expenses incurred as a result of a Pre-Existing Condition until coverage has been in effect under the Policy for 12 consecutive months. This Pre-Existing Conditions Limitation is waived under the Outpatient Physician Office visit Indemnity Benefit.
About Companion Life:
Companion Life Insurance Company has specialized in group benefits for more than 35 years. They have earned an A.M. Best rating of A+ (Superior) due to their fiscal strength, investment practices and sound management. Now, Companion Life wants to earn your trust by giving you the highest level of service and responsiveness possible.
10 Day Right To Return:
If not completely satisfied with the coverage provided, simply return the certificate within 10 days after it is received, and all moneys' received will be refunded.
Important Notice:
The policy terms and conditions are briefly outlined in this marketing overview. Complete provisions pertaining to this insurance are contained in the Master Policy on file with Value Benefits of America (VBA). If you would like to see the policy in its entirety, please contact your agent or VBA at 800-366-2467. In the event of any conflict between this information contained herein and the Master Policy, the Policy will govern.
Value Access Guarantee members also have access to one of the nationals largest Preferred Provider Organizations.
Beechstreet PPO Network Providers:
Beech Street Corporation has over 50 years of reliable service in the healthcare industry and has a network of over 400,000 respected doctors, 3,800 hospitals and over 52,000 ancillary network providers. Beech Street provides cost containment Network Services, URAC accredited and NCQA certified Clinical Services, and healthcare financial Specialty Services. More information about Beech Street can be found at
Members have access to a nationwide network of medical doctors available 24 hours per day / 7 days per week for consultation or routine medical needs through the convenience of a toll free phone number, without having to take time to make an appointment or wait in line at a doctor's office. CallMD maintains members' electronic medical records (EMR) in a highly secured, Internet accessible environment and makes this information available to our network doctors prior to a doctor consultation. Furthermore, a CallMD Doctor can write a prescription where allowed by law when sufficient medical history is available. (CallMD cannot write prescriptions for narcotics or DEA controlled substances.)

Medical Eligibility

There are no medical eligibility requirements.

Start Date

Coverage starts on the date the application is approved by the underwriter. This is usually within 10 days of submission. If the initial premium payment or electronic payment authorization is not submitted with the application then the start date may be delayed. You may request a later effective date by notification to the enrollment adviser. The certificate of Insurance and ID cards will be mailed directly to you when the policy issued.

Premium payment

Most policies are paid by pre-authorized monthly bank draft. Manual check may be used if semi-annual or annual payment is requested. Monthly List Bill is the normal method of payment when the policy is part of an employer-sponsored health plan.

When using the monthly bank draft method, the bank account will be debited approximately 15 days prior to the premium due date.

Group benefit plans

When a minimum of 5 or more employees apply for coverage the policies may be billed as a single premium to the employer or plan sponsor. Unlike group major medical insurance plans, there are no group participation requirements. Please request a List Bill Form.

Additional documentation required with application


Policy changes and cancellations

Send any change or cancellation instruction to GAC at GAC, 15575 N. 79th Place, Suite 100 Scottsdale, AZ 85260. Please include the policy number and the policyholder's signature.


Four levels of benefits available results in a wide range of premium rates that can fit most budgets. Same rate for everyone regardless of age or health.

Fast easy application.

This product is available to all regardless of medical history (referred to as "guaranteed issue") and is easily used as a group or employer-provided supplemental health plan for small businesses.

Payment may be made by credit card or bank debit card. (Other similar guaranteed issue insurance allows only bank debit card payments).


This insurance provides limited benefits that may be substantially less than the amount of medical expenses incurred. For example, the maximum daily benefit for hospital expenses is $1,500. Most hospitals charge more than this amount and may or may not accept the insurance as full payment, depending on the financial resources of the patient and other factors.

The guaranteed issue feature makes it less attractive in terms of premium cost/benefit value. Healthy applicants may wish to consider ValueMed as a higher value alternative.

Forms in PDF format for download

A sample brochure and enrollment kit is available in PDF format for download. All other available forms can be found by following the quote and enrollment link above.

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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.