Real people. Real choices.
 OnlineAdviser Tony Novak  800-609-0683     Support options    Site map  
"Personal help with important health insurance decisions"
Accident | Short Term | Critical Illness | Dental | Disability Income | Emergency | FB University | Group | Guaranteed Issue | HRA | HSA | High deductible | Immigrant | Individual | International | Life | Major Medical | Medigap | Mini-med | OnlineNavigator | Pre-existing Condition | PPO | Prescription | Small Business | Supplemental | Supplemental | Temporary | Telemedicine | Travel
OnlineNavigator insurance enrollment supportNeed help?

We make it easy to get friendly, personal and independent help with health care reform questions with fast and free online support through OnlineNavigator.orgTM as well as Limited telephone support at (800) 609-0683. OnlineNavigator is an independent adviser service not acting as agent for any qualified health insurance marketplace and is not affiliated with any federal or state program.

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 65
pre-existing conditions covered after 12 months
Benefits can be assigned to doctor or hospital
Pays in addition to other insurance

An cash indemnity insurance that pays defined dollar benefits including $75 for covered doctor visits and up to $1000 per day for hospital expenses. Covers pre-existing conditions after 12 months. Liberal eligibility standards including  non-insulin diabetics under control for two or more years are eligible for coverage.
low cost health insurance
Who is eligible?
Applicants must be able to answer "no" to the three medical screening questions on the application. Available to residents of AL, AK, AR AZ, CA, CO, DE, DC, GA, HI, IA, ID, IL, IN, KY, LA, ME, MD, MI, MS, MO, NE, NV, NM, OH, OK, OR, PA, SC, SD, TN, TX, VA, WI, WV,  and WY. 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 Med Insurance is 
underwritten by Guarantee Trust Life Insurance Company (GTL) in AL, AK, AZ, CA, CO, CT, DE, DC, FL, HI, KY, MN, MS, MT, NC, ND, OH, RI, SC, VT and WY. Underwritten by United National Life Insurance Company of America (UNL) in AR, AZ, ID, IL, MO, NE, NV, NM, OK, SD, TN, TX, UT and WV. The group administrator is Value Benefits of America.
Value Med Insurance

News and Updates

March 2012 Coverage now includes up to $7,000 air ambulance coverage per covered individual up to $28,000 per individual.
Also a cancer benefit of $5,000 first diagnosis is now added. An optional $10,000 benefit is also available.

Effective June 2009
, Value Med now offers a $1,000 daily hospital confinement benefit option. Choose between a $1,000 daily hospital confinement benefit, $500 daily hospital confinement benefit, or a $100 daily hospital confinement benefit. Even with the higher $1,000 daily hospital benefit, the premium is only $65.48 per month for an adult under age 40. We expect the $1000 daily hospital benefit to quickly become the most popular option and will likely boost the plan's popularity. This insurance is currently available in 36 states.

Product Details

Sickness & Accident, Hospital & Medical Insurance
• Benefits are Paid Directly to You*
• No Deductible or Co-pays
• Pays Benefits in Addition to any Other Insurance
• Issue Ages 18 through 64
• Dependent Child Coverage Available to Age 19 or 25 if a Full Time Student****
• Guaranteed Renewable to age 65
• Use any Doctor, Hospital or Licensed Provider
• Pre-existing Conditions Incurred within the 12 Month Period Preceding the Effective Date are Covered after 12 Months**
• Your Rates Cannot Increase Due to Your Advanced Age or Declining Health***
Doctors Office Visits Pays up to 10 Doctor Office visits per calendar year for each insured adult and up to 5 per calendar year for all insured children combined. Doctor Office visits are limited to one per week, except in Maryland. $75 per visit
Hospital Outpatient Visits Pays for Doctors treatment, medical supplies, x-ray and lab tests. Outpatient Benefit maximum per calendar year is $1,000 per insured and $1000 for each covered child. Up to $250 per visit
Ambulance Services Pays ambulance expense per sickness or accident $200 per sickness or accident
Hospital Confinement Select $1000, $500 or $100 per day, beginning on the 1st day of hospital confinement, up to 365 days. (Dependent Children limited to $100 per day) $1000, $500 or $100
* The benefits may be paid directly to the hospital or other health care facility if an assignment of benefits is made by the policyholder.

** Pre-existing conditions are those medical conditions disclosed or not disclosed on the application which were diagnosed or for which medical advice or treatment was recommended or received from a Doctor within a 12-month period immediately preceding the Effective Date of Your coverage. Any loss due to a pre-existing condition is not covered unless the loss begins more than 12 months* after the Effective Date of coverage. *The pre-existing condition waiting period is 6 months in Idaho, North Dakota and Oregon.

Wyoming Applicants Only - Your Pre-existing Conditions Limitation reads:
The policy will not cover loss resulting from pre-existing conditions during the first year that your policy is in force. A "pre-existing condition" is any sickness or injury diagnosed for which You received medical advice and /or treatment was received from or recommended by a Physician within the 90 day period immediately before the effective date of Your coverage, or the effective date of an increase in coverage, whichever is applicable

*** The insurer has the right to increase premium rates of all like policies in your state.

**** Instead of age 19 the following states have higher limits: Indiana age 24, New Mexico age 25, North Dakota age 22 and Utah age 26.

***** Hospital confinement must be medically necessary because of injury or sickness. Our definition of hospital excludes (a) a convalescent home, convalescent, rest or nursing facility; or, (b) a facility or portion thereof used primarily for the care of the aged, the terminally ill, drug or alcoholic rehabilitation, or primarily affording custodial, long-term nursing, convalescent or educational care.
Please Note this Policy contains a 10-Day Right to Examine Coverage:
You may cancel coverage under this Policy or Certificate within 10 days of receiving it by returning the Policy or Certificate to Us. If it is returned for cancellation, we will refund any premium paid for your coverage. The Policy or Certificate will then be void as of the Effective Date and there will be no coverage. The states of New Hampshire and Oklahoma have a 30-Day Right to Examine Coverage.
Underwritten by: Guarantee Trust Life Insurance Company
in All Other States Except NY. Group Policy #GP2005
LA Policy Form G0551-LA, ME Policy Form G0551-ME,
OR Policy Form G0551-OR, SC Policy Form G0551-SC,
MD Policy Form G0551-MD
Underwritten by: United National Life Insurance Company of America
in AR, ID, IL,KS, MN, MO, NE, NV, NM, ND, OK, SD, TN, TX.
Group Policy #UP2005, UT Policy Form U0552-UT,
AR Policy Form U0552-AR, OK Policy Form U0552-OK
SD Policy Form U0552-SD(R.3/09), WV Policy Form U0552
Guarantee Trust Life Insurance Company is licensed to do business in all states except New York.

Medical Eligibility

Applicants must have a build within the minimum and maximum criteria:

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 GTL/UNL List Bill Form and make the check payable to either "GTL" or "UNL".

Additional documentation required with application

A completed and signed replacement form is required in the states of: AR, CO, DE, FL, IA, ID, IL, KY, OK, PA, SC, TX, UT, VA, WI and WV.

An outline of coverage form is required in AR, ID, OK, OR, SC, UT & WV.

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.


This product is very affordable and is now available in 36 states. This product is easily used as a group or employer-provided health plan.


This insurance provides limited benefits that may be substantially less than the amount of medical expenses incurred.

Forms in PDF format for download

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

Mission Statement| Editorial Policy| Privacy Policy| About Freedom Benefits| News| Investors

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.