What is indemnity insurance?

A fixed indemnity plan sends you a preset — “fixed” — payment when you receive any of the qualified medical services specified in the plan. The money paid out stays the same no matter what the total bill for the qualified service was. That’s why fixed indemnity insurance can also be called fixed benefit insurance or fee for service insurance.

Is Health ProtectorGuard like Affordable Care Act (ACA) health insurance?

No, it isn't. Fixed indemnity insurance provides limited benefits, paying a set amount for covered services up to a maximum for the year. It doesn’t cover all the essential health benefits outlined by the ACA and doesn’t qualify as the minimum essential coverage. Also, it will not cover expenses related to preexisting conditions. In fact, it’s designed more as a supplement to a major medical plan.

How are claims submitted?

Once a qualified service is performed, the health facility, doctor, or you submit a claim for that service. The preset benefit is then paid. If the preset amount doesn't cover the total expense, you pay what's left of the bill. If there's any benefit money left after the service is fully paid, you receive what remains to use as you see fit.

What do I have to pay before I get a benefit from the plan?

Nothing beyond your monthly premium, which is what you pay to have the plan. You don’t have deductibles or copays with fixed indemnity insurance. If you have a covered expense, the benefit is paid after the claim is submitted.

When can a claim be submitted?

Right after a qualified expense. Once you have received services for expenses that are covered by your hospital and doctor fixed indemnity plan, a claim can be submitted by the health facility, doctor or you. In some states, there may be a waiting period for wellness expenses. See brochure for more details.

Why would I buy indemnity insurance?

To help you manage potential out-of-pocket costs from your major medical plan. Whatever your main health insurance plan is, it comes with out-of-pocket expenses. Deductibles , copays , co-insurance — these are all things you pay before your insurance plan pays benefits. Health ProtectorGuard fixed indemnity insurance can help meet some of these out-of-pocket costs you are responsible for under your main medical plan. Check out options to get cash for qualifying medical expenses. Learn more about fixed indemnity insurance

If my health insurance plan covers me for something, will the fixed indemnity plan still pay?

Yes. It pays you for the covered expense regardless of overlap from what other health insurance you have might cover.

Am I confined to a narrow network of doctors or hospitals?

No, where you go for care is up to you. Since you are paid a fixed amount for covered services up to an annual maximum amount, the plan doesn’t restrict you to a specific network of doctors or providers. In some cases, however, you could save money by choosing to stay within a network of providers offering lower rates through your Health ProtectorGuard fixed indemnity plan. Keep in mind that your main health insurance may require you to stay within a certain network of providers.

Are benefits for prescriptions included?

Yes, in some plans. Many Health ProtectorGuard plans come with fixed benefits paid for a certain number of prescription fills per year. All plans come with a prescription discount card to help with the ongoing costs of medicine.

Are preventive care or wellness visits covered?

Yes, many Health ProtectorGuard plans pay a fixed benefit for specified preventive or wellness services.

What if I want a virtual visit with a doctor?

In a number of states, Health ProtectorGuard plans come with an included telehealth membership so you can access a doctor by phone or app without leaving your home.

Fixed indemnity insurance frequently asked questions (FAQs)

Get answers about Health ProtectorGuard hospital and doctor insurance

Fixed indemnity plans¹

See Golden Rule Insurance Company Health ProtectorGuard Plans available in your state

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Questions? Call 1-844-744-4346

UnitedHealthcare: Health ProtectorGuard

Video transcript

(An upbeat electronic conga beat begins. The UnitedHealthcare logo appears and turns into a ribbon, gliding across the screen and revealing the words “UnitedHealthcare, Golden Rule Insurance Co. and Health ProtectorGuard”. A bright synthesizer orchestral tune is added to the conga beat. Two hands join together in a handshake to create a heart graphic on the left side of the screen. On the right, the words “Extra help for the “what ifs”” fade in.)

The bright voice of a young woman begins: A little extra help for the “what ifs” we all worry about.

(The words on the right half of the screen change to “Health ProtectorGuard”.)

Voiceover: That’s the power of Health ProtectorGuard.

(A stethoscope appears on one half of the screen; on the other half, the words “Medical Treatment”)

Voiceover: “What ifs” can be costly. Seeking medical treatment isn’t always cheap,

(The stethoscope and words disappear, and a wallet with a coin appears.)

Voiceover: and it can be hard coming up with the cash to cover doctor visits,

(Wallet disappears, and a doctor’s office graphic appears, followed by prescription and hospital graphics as they’re mentioned.)

Voiceover: prescriptions or maybe even something bigger like a hospital stay.

(Graphics are replaced by the words “Health ProtectorGuard” and dollar bill and heart graphics.)

Voiceover: Health ProtectorGuard is insurance that pays a fixed benefit amount for eligible medical services like office visits,

(Graphics are replaced by the words “Office visits”, “Prescriptions”, “Hospital stays”, and “Wellness visits” as they’re mentioned.)

Voiceover: prescriptions, hospital stays, surgeries with some plans, and even wellness visits after a 30-day waiting period. Health ProtectorGuard is not an Affordable Care Act plan.

(Previous words are replaced with “is not an Affordable Care Act plan”, “it is not for pre-existing conditions”, “flexible supplemental coverage”, and “You choose the benefit level” as they’re mentioned.)

Voiceover: It does not provide coverage for pre-existing conditions. It’s a robust supplemental insurance plan to give you extra flexibility based on your health care needs. You choose the benefit level that makes the most sense for the health services you use most often. Here’s a quick example: Let’s say you’ve had a bad cough, trouble breathing and a fever for a couple of days.

(A graphic with a person appears with an X-Ray revealing their lungs.)

Voiceover: You see your doctor and get a chest X-ray.You’re diagnosed with a severe case of pneumonia and need to be admitted to the hospital for a few days.

(A blood pressure cuff graphic appears.)

Voiceover: Your Health ProtectorGuard is ready to help with covered expenses.

(Graphic slides off the screen, replaced by the words “your plan pays” and on the right of the screen as they’re mentioned these graphics appear: a doctor’s office graphic and “$100”, an X-Ray graphic and “$50”, a hospital graphic and “$2,000”, and finally a bed graphic and “$4,000”. Underneath “your plan pays” in fine print it says: “Example based on HPG Select 2 plan”.)

Voiceover: Your plan pays $100 for the doctor visit, $50 for the X-ray, $2,000 for hospital admission and $4,000 for 2 days of inpatient hospital care.

(Graphics are replaced with the words “After claims are filed” on the left side of the screen with a document graphic and “$6,150” on the right side of the screen with a dollar bill graphic. Underneath in fine print it says: “Example based on HPG Select 2 plan”.)

Voiceover: After the claims are filed, the plan pays a benefit of $6,150 – regardless of any other health insurance coverage you may already have.

(The $6,150” with the dollar bill graphic slides to the left, replacing the words “after claims are filed.” The words “Directly paid to your provider” appear on the right.)

Voiceover: The $6,150 benefit is paid directly to your providers to help reduce and cover some of your bills.

(The upbeat gleeful tune in the background continues. Various healthcare related graphics appear in different sized circles.)

Voiceover: With Health ProtectorGuard, there are no network restrictions. You can choose any doctor or hospital you want. But you will see lower costs for care with providers in the UnitedHealthcare Choice Plus network.

(The words “Health ProtectorGuard” appear on top of the words “Choose any doctor or hospital” and “UnitedHealthcare Choice Plus Network” which fade in and fade out as they’re mentioned.)

Voiceover: Coverage is available for individuals and families – and you can apply at any time.

(A close-up graphic of a person with a heart bandage on their arm, as well as two raised hands appear.)

Voiceover: No need to wait for an enrollment period.

(An animated clock graphic appears and ticks, to the left of the words “Apply anytime” and “No enrollment period”, which fade in and fade out. The clock disappears and is replaced by the words “No deductibles'' and “Benefits paid regardless of other coverage” which fade in and out as they’re mentioned.)

Voiceover:There are no deductibles to meet, and benefits are paid regardless of other medical insurance coverage you may have.

(An animated graphic of a person holding a phone with a doctor on the screen appears to the left of the words “Telehealth available 24/7”)

Voiceover: And with Health ProtectorGuard, telehealth services are available 24/7.

(Telehealth graphic is replaced by an animated prescription graphic to the left of the words “Discounts on prescriptions” and underneath that, the words “with your Optum Perks card” in fine print.)

Voiceover: You also receive discounts on prescriptions with the Optum Perks card.

(A calendar graphic appears with the words “Doctor visits”, “Hospital stay”, and “Prescriptions” and “Telehealth” animate in.)

Voiceover: Health ProtectorGuard – simple, straight-forward benefits for covered services.

(A final screen with the words “UnitedHealthcare” and “Golden Rule Insurance Co.” in the upper left corner. In the center of the screen there are the words: “Health ProtectorGuard” and then “Questions? Call your local health insurance broker” and finally “See the product brochure for more information on benefits, exclusions and limitations.” At the bottom of the screen in fine print: “Underwritten by Golden Rule Insurance Company, a UnitedHealthcare Company, Product design and availability varies by state. This product is medically underwritten. This policy has exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. Benefits provided in stated amount regardless of the actual expenses incurred. Benefits are not paid for expenses resulting from preexisting conditions. For costs and complete details of the coverage, call your insurance agent or the company.

45387-G-0321”)

Voiceover: A little extra insurance help so you can have a little less worry about the “what ifs” of life.

How does Health ProtectorGuard work?

Video transcript

Soft music plays as an animated woman appears in a thin green circle over text.

ON SCREEN TEXT: a little

WOMAN: Sometimes you may need a little coverage.

The circle becomes darker green and the outline becomes thicker.

WOMAN: Sometimes you need a lot.

ON SCREEN TEXT: a lot

A logo appears over text. More text appears with a disclaimer.

ON SCREEN TEXT: UnitedHealthcare® Golden Rule Insurance Company

ON SCREEN TEXT: Health ProtectorGuard Fixed Indemnity Insurance Plans

WOMAN: Golden Rule Insurance Company, a UnitedHealthcare company, offers Health ProtectorGuard Fixed Indemnity Insurance Plans.

Animated documents unfold, representing different plans.

WOMAN: These plans offer a variety of benefit options so you can choose a plan that works best for you.

A plan appears beside text over a gray and white background.

ON SCREEN TEXT: works best for you

WOMAN: For example, would you prefer a plan with benefits for two doctor visits per year, or a plan that offers benefits for five doctor visits per year?

Two images of doctors overlap beside the words 2 doctor visits. The text changes to say 5 doctor visits, and five animated doctors stack up.

WOMAN: Or maybe a plan with benefits for 10 visits?

Five more animated doctors appear as the text changes to 10 doctor visits.

WOMAN: You choose.

White text appears over a blue background.

ON SCREEN TEXT: You choose!

WOMAN: Or maybe a wellness/preventive visit is more important to you.

The phrase wellness/preventive visit appears beside an animated stethoscope.

WOMAN: Our plans offer options of an annual $100, $200, or a $250 wellness/preventive care benefit.

The different dollar amounts appear beside more animated stethoscopes.

WOMAN: Do you need prescription coverage?

A prescription pill bottle appears over text, then another bottle appears. A line slashes through the bottle on the right.

ON SCREEN TEXT: with or without prescription coverage

WOMAN: There are plans available with and without prescription coverage, but every plan does include a prescription discount card where you can save 50% to 75% at participating pharmacies.

Text appears below an animated card and the amounts 50% and 75%.

ON SCREEN TEXT: prescription discount card*
*Not insurance. Discount program only.

WOMAN: With Health ProtectorGuard, you can find a plan that balances benefits with your budget.

A document balances with a dollar sign on a teeter totter.

ON SCREEN TEXT: balances benefits with your budget

Text appears in and below a green circle.

ON SCREEN TEXT: Health ProtectorGuard Fixed Indemnity Coverage

WOMAN: And since Health ProtectorGuard is fixed indemnity coverage, a doctor visit benefit of $100 will pay $100, regardless of the actual office visit charge.

An animated dollar bill appears over text.

ON SCREEN TEXT: $100 doctor visit benefit

The text slides to the side of the screen, and an animated bill for $75 appears.

WOMAN: For example, if you go to the doctor and the visit actually only costs $75, a $100 benefit is still paid, but you get to keep the remaining $25.

ON SCREEN TEXT: you get to keep $25

The text $100 doctor visit benefit reappears on the left side of the screen, and a bill for $125 appears.

WOMAN: On the other hand, if the doctor visit actually costs $125, you still get a $100 benefit, but you would simply pay the difference.

ON SCREEN TEXT: you would pay the difference

WOMAN: Each specified medical expense pays a fixed amount of cash.

Text appears under animated dollar bills.

ON SCREEN TEXT: each expense pays a fixed amount of cash

ON SCREEN TEXT: doctor visits

WOMAN: Besides doctor visits, specified medical expenses include, but are not limited to hospital stays, emergency room visits, ambulance services, surgeon fees, X-rays and lab tests, chemotherapy, and preventive care.

A list appears under the animated dollar bills.

ON SCREEN TEXT:             specified medical expenses
                                            hospital stays
                                            emergency room visits
                                            ambulance services
                                            surgeon fees
                                            X-rays and lab tests
                                            chemotherapy
                                            preventive care

WOMAN: Benefits for these individual services depend on the plan level you purchase.

A gray bar with one dollar sign on top appears beside a taller blue bar with three dollar signs.

WOMAN: Lower cost plans generally pay lower amounts. Higher benefit plans generally cost a little more.

The bars slide away to reveal text.

ON SCREEN TEXT: lower cost plans pay lower amounts

ON SCREEN TEXT: higher benefit plans cost a little more

A green Health ProtectorGuard circle appears. A blue bar stretches down the screen, separating the green circle from the words ACA coverage with a no symbol over it.

WOMAN: Whatever you choose, it's important to know that Health ProtectorGuard plans are not ACA coverage, which means it isn't considered minimum essential coverage.

A no symbol covers the words Minimum Essential Coverage.

WOMAN: We'll have some medical questions on the application because Health ProtectorGuard plans do not provide coverage for preexisting medical conditions.

A clipboard with a document appears, the words preexisting conditions replace the image, and a no symbol covers them.

WOMAN: That means if you are being treated for a medical condition or are experiencing symptoms before coverage begins, then the policy won't cover those things for a specific amount of time.

Text appears, then gets replaced by a no symbol and the words won’t cover.

ON SCREEN TEXT: treated for a medical condition

ON SCREEN TEXT: experiencing symptoms before coverage begins

WOMAN: The plan is designed to cover you if new medical issues arise during your coverage period.

Text appears on the page of a calendar.

ON SCREEN TEXT: new medical issues

Two animated women appear, one with a thin green circle around her, the other with a thicker circle. The words “a little” appear under the first one, and the words “a lot” appear under the second.

WOMAN: Health ProtectorGuard, whether you need a little coverage or a lot, choose the plan with benefit levels that work best for you.

A logo and text appear on a white background.

ON SCREEN TEXT: UnitedHealthcare® Health ProtectorGuard

Text and a disclaimer appear on a blue background below.

ON SCREEN TEXT: questions? 1•844•719•4870 Or Call Your Local Health Insurance Broker

The picture fades out.

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Footnotes

THIS PRODUCT PROVIDES LIMITED BENEFITS. This is a supplement to health insurance and is not a substitute for the minimum essential coverage required by the Affordable Care Act (ACA). Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.
Some HPG plans have a 6-month waiting period for wellness. Other HPG plans have a 30-day waiting period for wellness. For HPG plans in ID and MD, there is no waiting period for wellness. Check brochure for details.

No individual applying for health coverage through the individual Marketplace will be discouraged from applying for benefits, turned down for coverage, or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.

References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies.

Administrative services are provided by United HealthCare Services, Inc. or their affiliates.

Products and services offered are underwritten by All Savers Insurance Company, Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Plans (NJ), Inc., UnitedHealthcare Benefits Plan of California, UnitedHealthcare Community Plan, Inc., UnitedHealthcare Insurance Company, UnitedHealthcare Life Insurance Company, UnitedHealthcare of Colorado, Inc., UnitedHealthcare of Alabama, Inc., UnitedHealthcare of Arkansas, Inc., UnitedHealthcare of Florida, Inc., UnitedHealthcare of Georgia, Inc., UnitedHealthcare of Kentucky, LTD., UnitedHealthcare of Louisiana, Inc., UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of the Midlands, Inc., UnitedHealthcare of the Midwest, UnitedHealthcare of Mississippi, Inc., UnitedHealthcare of New England, Inc., UnitedHealthcare of New York, Inc., UnitedHealthcare of North Carolina, Inc., UnitedHealthcare of Ohio, Inc., UnitedHealthcare of Oklahoma, Inc., UnitedHealthcare of Pennsylvania, Inc., Unitedhealthcare of Washington, Inc.

This policy is subject to various exclusions and limitations. For costs and complete details of the coverage, call (or write) your insurance agent or the company (whichever is applicable).