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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


This is a group membership plan; benefits are paid by the group membership administrator, not through an insurance company
Pays 100% of Covered Medical Expenses up to $2,500, $5,000, $7,500, $10,000, $15,000, $20,000 and $25,000
use any doctor or hospital
Automatic acceptance regardless of medical history
Low deductible of $195 or $275

A simple and inexpensive universal supplemental coverage through association membership for emergencies and injuries from accidents that pays cost up to $10,000 directly to the policy owner. May be combined with a Health Savings Account, government-provided plan or any other health insurance. Pays in addition to any other coverage. Premiums range from a low of $30 per month (minimum benefit single coverage) to $100 per month (maximum benefit family coverage).
low cost health insurance
Who is eligible?
Applicants under age 65 living in AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, LA, MD, MA, MI, MN, MI, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, PA, RI, SC, TN, TX, UT, VA, WV, WI, or WY.
low cost health insurance
This is not individual insurance.
Value 24 Hour Accident Plan is a group member benefit plan. Benefits are paid by the plan administrator. The plan is insured by Federal Insurance Company, a member of the Chubb Group of Insurance Companies.
24 Hour Accident Coverage

Product Review

Premium rates remain unchanged for 2011 but the deductibles are boosted to the amounts listed above. New product brochures are available for download for the 100 plan or the limited plan.


This is among the least expensive supplemental accident plans available. The price in relation to the benefits offered make it the best consumer value available for an accident supplement plan.

The underlying association insurance plan by Chubb Insurance Group is financially strong.

Choose any doctor or hospital of your choice.

Includes CallMD telemedicine program at no extra charge that can eliminate the need for many routine office visits. The plan benefits were improved to now include an unlimited number of CallMD consultations.

Includes $7,000 air ambulance benefit (per occurrence, per covered individual) up to $28,000 per family.

No medical questions on application, no enrollment fees, simplified online enrollment.

Preserves eligibility for a Health Savings Account, Pre-existing Condition Insurance Plan or other government-provided health insurance or benefits.

Pays in addition to other coverage. (No coordination of benefits).


Value Benefits of America plans ARE NOT INSURANCE, but membership includes certain limited supplemental insurance coverage. Membership benefits are not a replacement for health insurance coverage nor are they intended as a substitute for health insurance coverage.

Covers only accidents, not illnesses.

Membership fees may change with notification but are not regulated in the same manner as individual health insurance premium. 

Forms in PDF format for download

All 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.