Member Coverage

General Description

Member Coverage

All erba members will receive savings on our group coverage plans from leading insurance companies in the industry. Many of our insurance plans are guaranteed issue. No pre-existing conditions apply on our major plans.

We'll help you determine the right insurance at the right price, that best meets the needs of you and your family. And we'll make sure you get the insurance that meets your stage in life and budget. We think you'll be amazed at how much we can save you annually!  You can't lose! Your first month of membership is absolutely free. Once you have joined, submit a quote form and use access code RKCA3041 to get a savings estimate on your insurance plans. If you aren't happy with the benefits, you can cancel at any time! You must be a member to qualify for a quote.

All of the plans listed below are just a few of the plans we have available to you.  Please contact our insurance expert, Rylan Klaseen  or 909-243-4886 to discuss a plan just right for you.

 

Accident

  Accident

Voluntary accident insurance provides a range of fixed, lump‐sum benefits for injuries resulting from a covered accident, or for accidental death and dismemberment (if included). These benefits are paid directly to you, the insured, and may be used for any reason, from deductibles and prescriptions to transportation and childcare. From ambulance transportation to an ER visit, from a concussion to a coma, or from x-rays to surgery: An accident can wipe out a health plan deductible in a horrifying split-second. Accident insurance can help replace that money. Offer quicker claims process, 24 hour coverage (ON and OFF the job), No limit to the number of claims, No total benefit maximum, Benefits are paid directly to the member. Guaranteed issue on all member plans.
Life Insurance

  Life Insurance

Protect your family.  Loss of life is not something anyone wants to think about it, but we must. Erba wants to help you protect your family by obtaining the best life insurance options for you. You’ll feel secure knowing that the mortgage can still be paid, your children can still attend college and your spouse can still enjoy retirement.  If you do not find coverage you want under the Group coverage plans, we can also help with policies under the Individual coverage tab.

 

Critical Illness

  Critical Illness

Voluntary critical illness insurance provides a fixed, lump- sum benefit upon diagnosis of a critical illness, which can include heart attack, stroke, paralysis and more. These benefits are paid directly to you, the insured, and may be used for any reason, from deductibles and prescriptions to transportation and childcare.

There are 20 covered illnesses, from life threatening cancer to ALS (that’s Lou Gehrig’s Disease). There’s even coverage for subsequent and recurring diagnoses, so as the medical challenges multiply, so does the coverage.

Medical

  Medical

Your health depends on good coverage. Whether it’s a PPO, POS, EPO, or HMO, Erba offers a menu of options to meet your unique needs. Currently plans are being offered with deductibles ranges as low as $0 to $13,500, $0 copays, $0 for generic drugs, 80/20 coverage and no waiting periods for pre-existing conditions. Guaranteed issue to members with no medical underwriting necessary. Erba offers medical coverage from gap plans to major medical plans.

Dental

  Dental

Good health starts with a healthy mouth. Regular dental exams and cleanings can lower the risk of gum disease, which is linked to heart disease, diabetes, stroke, and other serious conditions.
Good oral health means more than an attractive smile. Research shows that oral health, preventive care and regular visits to the dentist are integral to overall health.

Make your dental health a priority.  Erba partners with a select group of dental plan choices that can offer either indemnity, Preferred Provider Organizations or a Dental Health Maintenance Organization (DMO). Costs and networks vary as well as the co-payments and/or coinsurance requirements.

 

 

Pet Insurance

  Pet Insurance

Your pet deserves good health care too.  The full details of our Pet Insurance plans are coming soon.

Vision

  Vision

When it comes to Vision benefits the difference is clear.  Competitive coverage with access to an extensive network of vision providers.

Help protect the eyesight and health of every member of your family, with lower out-of-pocket expenses for you. Save money on eye exams and lenses, and select from thousands of network specialists.  Plans provide coverage for exams, lenses, contact lenses, frames and even LASIK.

Disability Income

  Disability Income

Disability Income

Disability Income insurance provides a solid foundation for your financial future. It can help protect against the unexpected while ensuring your future. You depend on your income. Why risk losing your financial security in the event of a disabling illness or injury? You don’t expect to become disabled, but it could happen.