Affordable Supplemental Coverage to Reduce Your Medical Costs
The Guard Plan provides straightforward, fixed cash benefits to help you cover hospital stays, doctor visits, prescriptions, and preventive care.
Get a Free QuoteWhat is the Guard Plan?
The Guard Plan is a fixed indemnity insurance policy that pays a set cash amount for medical services, regardless of actual costs. This supplemental plan helps offset out-of-pocket expenses, providing financial relief for everyday medical needs and emergencies.
With no deductibles, no copays, and guaranteed cash payouts, Guard Plan is a simple and flexible way to protect your budget from unexpected medical expenses.
Key Benefits
- Cash benefits paid directly to you—use for any medical or personal expenses
- Fixed benefits for hospital stays, doctor visits, and wellness services
- Unlimited $0 virtual doctor visits through HealthiestYou by Teladoc® Health
- Guaranteed renewability until age 65
- Save with network discounts through UnitedHealthcare Choice Plus
Coverage Details
The Guard Plan consists of two key coverage components:
Hospital Benefit Base Plan
Pays cash benefits for hospital stays, emergency visits, and ambulance trips.
Wellness, Office Visit, and Prescription Coverage (WORx)
Covers preventive care, doctor visits, urgent care, and prescription drugs.
Hospital Benefits
| Service | Guard Plan | Guard Plus Plan |
|---|---|---|
| Inpatient Hospital Stay (Per Day, 60-Day Max) | $500 (Year 1), $1,000 (Year 2) | $1,000 (Year 1), $2,000 (Year 2) |
| Hospital Admission Benefit (One-Time Per Year) | $500 | $1,000 |
| Emergency Room Visit | $300 | $500 |
| Ambulance (Ground/Water) | $300 per trip | $500 per trip |
| Air Ambulance | $2,500 per trip | $2,500 per trip |
✅ Increased benefits for members after 2+ years
Wellness, Doctor Visits & Prescription Coverage (WORx)
| Service | Level 1 | Level 2 | Level 3 |
|---|---|---|---|
| Annual Physical Exam | $80 | $100 | $125 |
| Health Screening Labs | $25 per test | $50 per test | $100 per test |
| Mammogram (Women 30+) | $100 (Year 1), $150 (Year 2) | $150 (Year 1), $225 (Year 2) | $150 (Year 1), $225 (Year 2) |
| Doctor Office Visit | $80 | $100 | $125 |
| Urgent Care Visit | $100 | $125 | $150 |
| Generic Prescription Drugs | $10 per fill | $10 per fill | $20 per fill |
| Brand Name Prescription Drugs | $40 per fill | $60 per fill | $60 per fill |
✅ No waiting period for most benefits
✅ Telehealth visits ($0 virtual doctor visits) included
Plan Options
Choose the right hospital coverage and doctor visit/prescription level that fits your budget:
| Plan Type | Hospital Coverage | Doctor Visit & Prescription Level |
|---|---|---|
| Guard 1 | Standard | WORx Level 1 |
| Guard 2 | Enhanced | WORx Level 2 |
| Guard 3 | Maximum | WORx Level 3 |
✅ Flexible coverage options with no medical exam required!
How It Works
Choose Your Plan
Select a Guard Plan based on your hospital and doctor visit coverage needs.
Apply Online
No medical exam required, quick approval process.
Receive Benefits
If you receive medical care, the plan pays a fixed cash benefit directly to you or your provider.
Use Your Benefits
Pay for medical bills, daily expenses, or savings.
✅ Works alongside your existing health insurance!
Why Choose the Guard Plan?
- Fixed Cash Benefits for Medical Care – Helps cover out-of-pocket costs for hospital stays, doctor visits, and prescriptions.
- No Deductibles, No Copays – Receive your full benefit amount without additional costs.
- Nationwide Provider Access – Use any doctor, hospital, or specialist with no network restrictions.
- Unlimited Virtual Doctor Visits – Talk to a licensed doctor 24/7 at no extra cost.
- Financial Stability from UnitedHealthcare – Underwritten by Golden Rule Insurance Company, a top-rated insurer.
Get Affordable Health Protection Today
Protect yourself from unexpected medical costs with the Guard Plan. Get covered today!
Get My Free Quote