Better Health and VBA Sickness/Accident Insurance
Product training on Better Health (sickness and accident) and VBA (accident) from the National Employers Association. Covers who qualifies, the $5,000 / $10,000 hospital admission benefit, the optional accident medical expense, association perks, how Better Health pairs with Presidio, and when to switch to VBA on price. For licensed agents only.
Key takeaways
- Better Health pays a flat $5,000 (Elite) or $10,000 (Elite Plus) per covered person when admitted to the hospital for sickness or accident, once per year, with no medical questions.
- It pays in addition to any other coverage, and the member can keep the check or assign it.
- The optional accident medical expense matches the admission benefit and pays on an excess basis with a $100 deductible.
- Also includes $250 a day for up to 5 hospital days, plus MD Hotline telehealth and mobile device protection.
- VBA covers more states and runs $69.95 a month for a family at $10K, a good fallback when Better Health's family price is an objection.
Chapters
Tap a chapter to jump to it.
- 0:00 Intro and claims (CBP)
- 0:35 Better Health overview and who qualifies
- 2:59 Elite vs Elite Plus
- 3:37 Optional accident medical expense
- 4:56 Association benefit summary
- 5:23 Brochure walkthrough and ACA out-of-pocket math
- 8:38 Pairing Better Health with Presidio
- 9:57 MD Hotline and device protection
- 12:44 VBA accident plan and pricing
- 14:43 What "excess basis" means
- 16:45 Onboarding and next steps
- 17:41 Agent quoting portal demo
FAQ
What is CBP?
Coordinated Benefit Plans, the company that handles Better Health and VBA claims.
Does the client have to stay in the hospital 24 hours for the admission benefit?
No. They just have to be admitted.
Is the hospital admission benefit a flat payout or based on the bill?
It's a flat lump sum: $5,000 on Elite or $10,000 on Elite Plus, whatever the bill is.
Can I sell this to seniors on Medicare Advantage?
No. Better Health is only for working individuals and families under 65.
Is the accident medical expense benefit a flat payout?
No. It reimburses actual accident bills on an excess basis, up to the plan limit, after a $100 deductible.
Can clients self-enroll?
Yes. Every agent gets a personalized quoting and enrollment link with their name, phone and email.
Join 4,300+ ACA agents in the group.
Ask questions, share what is working, and hear about carrier updates first.