BENEFITS-USA Products & Services

Protect You and Your Family

Health Savings Program

Health Savings Program

Enrollment $15.00 one-time fee for Family
Product $14.95 per Month for Family

 The entire family is covered in our program for one low price of ONLY $19.95 per month.

  • Savings on dental, vision, alternative care, hearing, and other health and wellness programs
  • Provider locations nationwide

   Optum HealthAllies is a money-saving program designed to help reduce your health care costs

Optum HealthAllies is NOT insurance

  •     Complements any  insurance, PPACA, Medicare or other health benefits   
  •     Easy provider look-up online or by telephone.
  •     Guaranteed discounts.
  •     Division of - UnitedHealth Group     
MDLIVE Telemedicine

MDLIVE Telemedicine

Enrollment $10.00 one-time fee for Family
Product $15.00 per Month for Family

MDLIVE is a nationwide  concierge telemedicine service that offers consumers access to physicians. Members can have access to licensed physicians via phone, web video, phone apps, or secure email 24/7. You can connect with a physician in real-time for the treatment , diagnosis of common conditions, regardless of your location. 



 to Licensed Board Certified Physicians!

  • Prompt access to Licensed Board Certified Physicians
  • Convenience of obtaining medical care at work, home, or on-the-go
  • Save money by avoiding costly co-pays, or in-office doctor’s visit
  • Quality care from physicians who can provide consultations, recommend treatment and write prescriptions



Our Private healthcare exchange allows individuals to quote, compare, and apply for Health Insurance products:  We have an easy online enrollment process or a benefit specialist department to help assist clients to enroll and answer any questions.


  • Limited Medical Health Insurance
  • Short Term Medical
  • Smart Accident Insurance
  • Disability Insurance

You now have access to the tools that will help you and your family be an effective shopper for health insurance.


Prescription Card

Discount Prescription Card

 FREE access to a pharmacy program with savings up to 75% off prescriptions. Our Enhanced Program GUARANTEES that cardholders are receiving the absolute lowest possible price on their generic prescriptions; whether it’s the insurance co-payment, the pharmacy cash price, or our  price. CLICK HERE TO DOWNLOAD YOUR FREE RX CARD.

  • No enrollment Fees
  • Everyone qualifies
  • Unlimited uses
  • Never expires
  • Works for all FDA approved  prescription medications
Laboratory Testing

Laboratory Testing

DirectLabs is the leader in direct access laboratory testing. We offer a wide variety of important health, wellness and blood chemistry tests directly to you online at savings up to 80%. Confidential results are available online in as little as 24 hours for most tests


BenePak Program


CHOICE PAK  offers an  affordable combination of the following insured group programs:

  • Dental Insurance
  • Vision Insurance
  • Term Life Insurance- $15,000
  • AD&D Insurance-$30,000
  • Hospital Cash Expense -$150 per day
Accident Disability Income

Accidental Disability Income Insurance

Accident Disability Income Insurance Program offered by Lloyds of London

  • The Accident Disability Protector by Lloyds of London involves NO medical underwriting or health questions
  • Additional Accidental Death and Dismemberment Rider
  • Easy on-line enrollment, everyone accepted
  • Issue ages 21-60

Educational Video:

Dental Insurance

Dental Insurance Program

  • Receive quotes for Dental and Vision Insurance in one place
  • A number of affordable dental plans for individuals, families and seniors
  • A variety of plan options including, Indemnity, PPO, HMO and Discount Plans Dental quotes from multiple carriers such as Delta Dental, Nationwide, Renaissance and many others

Accidental Medical Insurance

Accidental Medical Insurance - Hospital Only


  • Accidental Medical Insurance - Hospital Only
  • Emergency Room Treatment Insurance
  • Insurance reimburses you directly or benefits can be assigned
  • Association membership  individual, or for family
  • Guaranteed Issue - no underwriting required to qualify for coverage
  • Accidental Death & Dismemberment Insurance
  • AmeriDoc Telemedicine
  • Insured Prescription Benefits
  • ID Theft Resolution Services
  • Consumer and Lifestyle


Life Insuance

Voluntary Group Term Life Insurance


$50,000 guarantee issue for employees

$20,000 guarantee issue for spouse

$2,500 or $5,000 for dependent children

Maximum benefit with medical underwriting:

$250,000 for employees

$100,000 for spouse

Premiums are payroll deducted

MediCare Plans

Medicare Supplement Plans

Get started today to find the Medigap plan that offers you:

  • No Deductibles
  • No Co-Pays
  • No Complicated Claims
  • The Largest Network of Providers in the Country
  • Security and Reliability

Life Insuance

Life Insurance

Life Insurance

Welcome to  easy, online, life insurance center.

Enter the information below to compare current rates from all of the best life insurance carriers.


Sales & Support

PHONE: 800-320-1185

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