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"Heartland in the Nations Leading Provider of Group Benefit Programs for Rural Americans!"

Enrollment Disclaimer

  1. Member understands that Heartland Alliance of America is not an insurance plan or program. No payments to medical providers or members will be made by Heartland Alliance of America.
  2. Heartland Alliance of America provides savings to its members on healthcare services through a number of medical PPN networks. In order to access the network’s negotiated rates Heartland Alliance of America members or member’s dependents must pay the medical providers promptly. Payments on all medical bills are due and payable at the time of service. If the patient has overpaid a medical provider, Heartland Alliance of America will be happy to assist the member to the best of its ability to help collect any such amount from the appropriate parties.
  3. The member understands that the use of the program for cosmetic surgery is extremely limited and can only be utilized by members when pre-certification has been authorized and a referral number has been issued to the patient.
  4. Neither Heartland Alliance of America nor any of its affiliates, nor any PPN network accessed shall be liable for any payment to a provider accessed under the Heartland program, or any refusal of participating providers to accept the network rates offered under this program. Heartland Alliance of America, its affiliates or any network accessed is not an insurer, guarantor or underwriter of the responsibility or liability of Member for Member’s or Member’s dependent’s medical care or any other goods or services provided to Member or Member’s dependents.
  5. Members must call Heartland Alliance of America provider referral toll-free number located conveniently on your ID card for current provider information. Remember – always present your ID card at the time of service. Heartland provider referral line is 800-236-3609 for current provider information.
  6. Participating Medical Providers are independent contractors and, Heartland Alliance of America and its affiliates and its contracted PPN networks are not responsible for the health care provided or the omission of the provision of health care by any provider. Heartland Alliance of America does not practice medicine or in any manner interfere with or participate in the provider-patient relationship. All health care decisions are between the patient and a provider. The selection of a provider is the obligation and decision of the patient and is not based upon the credentialing or any recommendation by Heartland Alliance of America, its affiliates or its contracted networks.
  7. CONSENT TO ELECTRONIC DELIVERY: You have the option of downloading your certificate electronically. If you choose to do so, you are consenting to accept electronic delivery of your certificate. You also have the right at any time to receive a hard copy of your certificate. If you choose this option, please call 1-(833)469-4228.
  8. Accidental Death Benefit Exclusions: If, within 90 days from the date of an Accident which occurs while coverage is in force, Injury from such Accident results in a loss covered by this benefit, We will pay the benefit in the amount set opposite such loss, as shown on the Schedule of Benefits. If more than one such loss is sustained as the result of one Accident, We will pay only one amount, the largest to which the Covered Person is entitled.This benefit is subject to all the terms, conditions and exclusions of this Certificate. Exclusions: No benefits are payable for any loss caused by:
    • Suicide or intentionally self-inflicted Injury while sane or insane.
    • War or any act of war, declared or undeclared.
    • Travel, or flight in or descent from any kind of aircraft unless as a fare paying passenger on a regularly scheduled flight.
    • As a passenger on an official flight of the Military Airlift Command of the United States or similar air transport services of other countries.
    • Infections, except infections which occur simultaneously with or through a cut or wound sustained as the direct result of an Injury, independent of any other cause; and
    • The non-accidental ingestion of a contaminated substance.
    • Being under the influence of alcohol or any drug unless administered and taken as prescribed by a Doctor.
    • Participation in an attempt to commit an assault or felony, or participation in a riot.
    • Voluntary gas inhalation or poison voluntarily taken, administered or inhaled.
    • Riding or driving as a professional in any kind of race for prize money or profit.
  9. SUICIDE EXCLUSION:

    If a Covered Person dies as the result of suicide or any attempt at suicide, while sane or insane within two years of his Effective Date of coverage, We will be liable only for an amount equal to the Premium paid.

    With respect to an increase in the amount of insurance, We will consider the two year period to begin as of the effective date of such increase.


    Our return of such Premium will be in lieu of all other benefits under this Certificate which may have been payable for that Covered Person.

I understand that a portion of my membership dues are used for membership marketing, advertising and promotion of the Heartland Alliance of America.

By Agreeing you will be redirected to an external enrollment page