Fixed benefit health insurance that pays you cash for covered medical services. No deductibles. No copays. No coinsurance. Just straightforward coverage.
Unlike traditional health insurance, Guard Plans pay you a set dollar amount for covered services -- regardless of what the doctor actually bills. That's money back in your pocket.
See any doctor you want. Use a UnitedHealthcare Choice Plus network provider for maximum savings -- an average 58% discount on services.
Your plan pays a fixed benefit amount for the covered service. No waiting on deductibles, no coinsurance math, no copay surprises. Just the stated amount.
If the network discount + your plan benefit exceeds the cost of care, the extra gets mailed to you as a check. If there's a balance, it's significantly reduced.
All Guard Plans include hospital, doctor, surgical, and emergency benefits. Pick the level that fits your budget and coverage needs.
You can see any provider -- but using the Choice Plus network means pre-negotiated rates that dramatically cut your out-of-pocket costs.
*When network discount + plan benefit exceeds the billed amount, the difference is paid to you. Samples based on actual claims; amounts rounded. Actual costs and discounts vary by area and provider.
Access one of the largest provider networks in the country, with 7,000+ hospitals nationwide.
Pre-negotiated rates mean you're not paying the full sticker price. Combined with your fixed benefit, your final bill drops dramatically.
In-network providers file claims on your behalf. Show your ID card and they handle the rest. No paperwork on your end.
If the plan benefit exceeds the discounted cost, you get the difference mailed as a check. That's real money back for routine visits.
Benefits are based on the procedure's relative value unit (RVU) as established by CMS. The more complex the surgery, the higher the payout. Max 2 surgical benefit days per calendar year.
| Tier | Guard 4000 | Guard 5000 | Guard 6000 |
|---|---|---|---|
| Tier 1 -- TransplantsHeart, liver, lung, kidney, etc. (once per organ/lifetime) | $12,500 | $12,500 | $25,000 |
| Tier 2 -- MajorIntracranial vessel surgery, esophagus removal | $5,000 | $5,000 | $10,000 |
| Tier 3 -- ComplexEndoscopy, partial pancreas removal, valve replacement | $2,500 | $2,500 | $5,000 |
| Tier 4 -- SignificantSpinal fusion, colectomy, valve repair | $1,250 | $1,250 | $2,500 |
| Tier 5 -- StandardTotal knee/hip replacement, lower back disk surgery | $625 | $625 | $1,250 |
| Tier 6 -- CommonAppendectomy, knee/shoulder reconstruction, carpal tunnel | $250 | $250 | $500 |
| Tier 7 -- MinorTonsillectomy, breast biopsy, ear tubes | $125 | $125 | $250 |
| + Anesthesiologist | 30% of surgical | 30% of surgical | 30% of surgical |
| + Assistant Surgeon | 20% of surgical | 20% of surgical | 20% of surgical |
Every Guard Plan comes with these built-in perks -- no extra cost, no extra hassle.
Unlimited telehealth visits through HealthiestYou by Teladoc Health. Phone or video, 24/7/365. Diagnosis, treatment, and prescriptions when needed -- at zero cost to you.
Included -- All PlansSave 30-80% on prescription drugs at pharmacies near you with the Optum Perks discount card. Compare prices online and show the card at checkout. Available to everyone.
Discount Program -- Not InsuranceStick with your plan and get rewarded. After your first year, office visit maximums jump from 4 to 6, Rx fills increase from 10 to 15, and hospital confinement benefits double.
Automatic -- Year 2+Guard Plans are available in Florida. Here's what's specific to your state.
In Florida, eligible children include your or your spouse's unmarried child under age 31 who isn't covered by another health benefit plan -- beyond the standard age 26 cutoff.
The standard exclusion for hospital confinement beginning on a Friday or Saturday does not apply in Florida. You're covered regardless of which day you're admitted.
Florida requires at least 45 days' written notice before any change in your premium. Rates are guaranteed for the first 12 months of your policy.
Available for individuals ages 18 through 64 at time of application. Plans are renewable until age 65, subject to policy provisions and premium payments.
Get a personalized Guard Plan quote in minutes. No obligation, no pressure -- just the numbers you need to make a smart decision.
THIS PRODUCT PROVIDES LIMITED BENEFITS. This fixed indemnity insurance product pays a stated benefit amount regardless of actual expenses incurred. It is a supplement to health insurance and is NOT a substitute for the Minimum Essential Coverage required by the Affordable Care Act (ACA). This plan should not be used as a substitute for comprehensive health insurance coverage.
Plans underwritten by Golden Rule Insurance Company, a UnitedHealthcare company. A.M. Best rating of "A+" (Superior) as of 3/12/25. Insurance plans are subject to health underwriting. Benefit availability, amounts, periods, and limitations may vary by state. Benefits are subject to preexisting condition limitations -- see policy for details. Preexisting condition limitation does not apply longer than 12 months after the covered person's effective date. Premium rates are guaranteed for 12 months, then subject to change with at least 45 days' notice (Florida). This is an outline only and is not intended to serve as a legal interpretation of benefits. Complete terms determined by the policy.
The policy may limit or exclude benefits for losses related to: preexisting conditions (12-month lookback), war, self-inflicted injury, riot, felony, armed forces service, intoxication, cosmetic treatment, pregnancy/childbirth (except complications), rehabilitation/custodial confinement, paid participation in certain sports/activities, non-commercial aircraft, services by family members, non-medically necessary services, incarceration, mental disorders/substance abuse, dental/vision, services outside the U.S. (except emergency), and experimental treatments. This is a summary -- see your policy for complete exclusion details.