Frequently Asked Questions Insurance Services


Can I buy a HealthValues membership if I’m on Medicare or Medicaid?

Yes. Just know critical illness insurance benefits are reduced by 50% at the age of 65, and the insurance policy terminates at the age of 70.

What is supplemental health insurance?

Think of supplemental insurance as “insurance for your insurance.” Supplemental health insurance helps pay for covered accidents and critical illnesses that your regular health insurance plan might not cover due to a high medical deductible.

Does supplemental health insurance cover run-of-the-mill expenses?

Definitely! The most common accidents happen at home, like tripping, falling, burns, falling objects and more. You never know when the unexpected might strike. And, membership includes a lot of money-saving non-insurance benefits that you can use every day. (Like low cost doctor consultations.)

Are you required to have individual health insurance to buy a HealthValues membership?

No. While everyone is encouraged to carry their own health insurance plan, you are not required to have individual insurance when signing up for HealthValues. However, membership is not a replacement for individual health insurance coverage.

Is HealthValues an insurance company?

No. HealthValues is not a health insurance company, but rather, the brand-name for the membership packages. Membership is in Communicating for America, Inc. (CA), an accredited business with the Better Business Bureau. If you purchase a HealthValues package you are enrolled as a member of Communicating for America (CA).

What do I get with a HealthValues membership?

Membership includes money-saving health care benefits and/or a supplemental insurance policy. Non-insurance benefits include low-cost doctor consultations and discount health care services.

How much does a HealthValues membership cost?

Membership levels vary based on individual and family memberships. A supplemental insurance policy is included along with non-insurance benefits in each membership, so packages range from $31 to $93 each month, depending on your age, the level of benefits you select and whether it is for one individual or a family.

Does the cost of a family membership only cover my spouse and a couple of children?

No! A family membership includes the primary member, their spouse, and every child in your household. (Our website only has eight fields for children’s names, so if you have more than eight children, just give us a call and we’ll get them all signed up.)

Is my membership tax deductible?

No, HealthValues is not a tax-exempt organization.

What carrier underwrites the supplemental insurance product?

Independence American Insurance Company underwrites the supplemental health insurance policy. Independence American Insurance Company is a member of The IHC Group.

Where is HealthValues available?

Memberships are currently available in: AL, AR, FL, GA, IA, IN, KY, NE, NV, OH, OK, TN, VA, WV, WY.

What’s the fine print on a HealthValues membership?

HealthValues is a brand-name of Communicating for America. With the purchase of a HealthValues membership package, individuals and families are automatically enrolled in Communicating for America. Membership dues are included in the price of the membership package. Benefits are offered at the sole discretion of HealthValues and may vary by vendor or state of residence. Insurance benefits terminate on the date the covered person attains age 70. Non-insurance benefits continue until the member cancels benefits. As with all insurance policies, exclusions and limitations apply. See plan details to find out more information.

What if I want to cancel my membership?

You can cancel at any time. Email or (if your membership was effective after September 2019). Upon cancellation, you will not have access to cost-saving benefits, nor will you be able to file a supplemental insurance claim.