Pelican in Klamath Falls  

Photo Courtesy Brenda C. Jensen                


Association Member Benefits Advisors (AMBA) is a nationwide full-service agency focused on plan design, negotiations, and implementation of benefit programs for associations. We provide insurance evaluations to assist organizations in obtaining quality products with options and flexible choices for their members.

Our goal at AMBA is to expand the member benefits package beyond the supplementary health products to include vision, dental, hearing, medical air services, and many others.


Long Term Care Policy
Policies Underwritten by Mutual of Omaha and Transamerica


You select the daily benefit amount, elimination period, and benefit period which best suits your needs for care.  The Long Term Care Policy features include no prior hospital stay, no waiting period for pre-existing conditions, pays in addition to any other insurance, and no premium increases with age.


Medicare Supplement Plans

Policies Underwritten by United of Omaha
Medicare Supplement plans pay for eligible expenses not paid by Medicare, and gives you the freedom to use your own physician, specialist, and medical facility.


Vision Plans
Our vision provider has a vast network of thousands of doctors located in rural and metropolitan areas throughout the nation. More than 90% of our members have access to an optometrist within 10 miles of work or home! The vision plan optometrists not only provide eye exams, but eye-wear too! This makes for a convenient, easy, one-stop-shop!

 (Dental Plan not available in Oregon)

Final Expense Whole Life Insurance Policy
Policies Underwritten by United of Omaha


It is easy to forget the necessity of preparation for final expenses. The financial impacts on an individual’s finances can be significant. A traditional funeral, including a casket and vault, costs about $6,000. Although, extras like flowers, obituary notices, acknowledgment cards and limousines, can add thousands of dollars to the bottom line, running well over $10,000. Should you or your family need to confront final expenses, have you made the necessary financial planning preparations? Being prepared is the best plan of action.

Besides the paying of final expenses, a whole life insurance policy can help soften the financial impact caused by a loss of income in the family.



Tax Deferred Annuity
A single premium tax-deferred solution is available for your retirement. It features tax-deferred accumulation of interest, a guaranteed competitive interest rate, multiple payout options, and a nursing home waiver.



Accident Expense Insurance Policy
Policies Underwritten by United Teacher Associates Insurance Company

This accident policy could protect you in 8 ways: ambulance, medical expenses, hospital expenses, intensive care, physical therapy, family lodging and transportation, accidental death, and dismemberment This policy does not pay losses resulting from sickness.



First Diagnosis Cancer Policy & Cancer Treatment Policy
Policies Underwritten by United Teacher Associates Insurance Company


There are advanced treatments available to increase your chance of cancer survival. However, sometimes these advanced treatments are not available locally, and the cost of travel, care, and other out-of-pocket expenses can be overwhelming. Supplemental First Diagnosis Cancer plans pay money directly to you upon first diagnosis of internal cancer or malignant melanoma. The money is paid at one time, in one lump sum payment.



First Diagnosis Heart Attack & First Major Heart Surgery Policy
Policies Underwritten by United Teacher Associates Insurance Company

The First Diagnosis Heart Attack and First Major Heart Surgery policies pay money directly to you, in cash, at one time, in one lump sum payment upon first diagnosis of a heart attack. You select a benefit amount of $10,000, $20,000, $30,000, $40,000, or $50,000



Air & Ground Ambulance Transportation Service
For more than three decades, Medical Air Services Association (MASA) has been providing life saving emergency assistance to members. The coverage is designed to protect members against catastrophic financial loss when emergencies arise at home or while traveling. Membership services include emergency air transportation, emergency helicopter transportation, ground ambulance transportation, organ retrieval, organ recipient transportation, recuperation / repatriation, return transportation, escort transportation, non-injury transportation, minor children / grandchildren return, mortal remains return, vehicle return, and worldwide coverage. For more information about MASA membership, please contact AMBA at 800.258.7041.



Identity Theft Protection
With identity theft becoming one of the fastest growing crimes in America, AMBA has partnered with CSIdentity to provide identity theft solutions for members. To learn more, click here.



Hearing Solutions
American Hearing Benefits (AHB)
Members are entitled to FREE annual hearing screenings for you and your immediate family, referrals to AHB’s network of recommended local hearing healthcare professionals, advanced Hearing Solutions with the latest in hearing aid technology, Up to 60% Off suggested retail prices, and a FREE Full Two-Year Extended Warranty with every purchase. Call 800-769-0262 or visit www.americanhearingbenefits.com and use discount code "AMBA."



AMBA makes many valuable discounts available to association members:



      AMBA TravelPerx brings the best value in cruises, resorts, and escorted tour vacations to tropical
      and European destinations.
      800.480.4080  /  www.ambatravelperx.com


      Members are eligible for discounts with Apple and Dell computers
      Dell discount code PS95750248  /  866.257.4711  /  www.dell.com/epp 

      Apple discount code "AMBA"  /  877.377.6362  /  http://store.apple.com/us/go/eppstore/amba

   Hotel Discount

      Association members enjoy discounts at La Quinta Inns & Suites.
      Discount code: AMBA  /  800.531.5900  /  www.LQ.com

   Rental Cars

      Members are eligible for discounts with Hertz, Avis, & Budget rental cars.
      Avis discount code: AWD# G725000  /  800.331.1212  /  www.avis.com 
      Budget discount code: BCD X925500  /  800.527.0700  /  www.budget.com

      Hertz discount code: CDP #1860896  /  800.654.2210  /  www.hertz.com


   Flower Delivery
      AMBA has partnered with 1-800-Flowers to offer discounts on flowers and many gift items.
      Discount code: AMBA  /  1-800-Flowers  /  www.1-800-flowers.com


Click on the AMBA Benefits PDF link below in order to explore more information