Eligibility
Available for ages 18–64 and renewable to age 65, subject to policy terms and state availability.
Golden Rule Insurance Company
Health Protector Guard
A fixed indemnity, limited-benefit plan designed to supplement—not replace—major medical coverage.
- Underwriter: Golden Rule Insurance Company
- Provider network reference: UHC Choice Plus
- Telehealth: HealthiestYou (Teladoc)
- Discount program: Optum Perks card
Important Coverage Disclosure
Health Protector Guard is fixed indemnity insurance with limited benefits.
This plan is supplemental coverage only. It is not intended to replace comprehensive major medical insurance.
This plan is NOT Minimum Essential Coverage (ACA).
Guard Plan Benefit Table (Brochure Values)
Benefits below are presented by plan level (Guard 4000, Guard 5000, Guard 6000) and surgical tiers, based on the brochure table format.
| Benefit Category | Guard 4000 | Guard 5000 | Guard 6000 |
|---|---|---|---|
| Plan level shown in brochure | Guard 4000 | Guard 5000 | Guard 6000 |
| Surgical benefit schedule | Surgical benefits are paid by surgical tier as shown in the brochure schedule. | ||
| Surgical Tier 1 | See brochure table | See brochure table | See brochure table |
| Surgical Tier 2 | See brochure table | See brochure table | See brochure table |
| Surgical Tier 3 | See brochure table | See brochure table | See brochure table |
| Surgical Tier 4 | See brochure table | See brochure table | See brochure table |
| Surgical Tier 5 | See brochure table | See brochure table | See brochure table |
Use the official policy and certificate for complete details, state variations, and final payable amounts.
Preexisting Condition Limitation
A preexisting condition limitation may apply for up to 12 months.
Claims Timing
Notice of claim should be provided within 30 days. State variations exist.
Frequently Asked Questions
Is this an ACA-compliant major medical plan?
No. Health Protector Guard is fixed indemnity, limited-benefit supplemental insurance and not Minimum Essential Coverage.
Who underwrites Health Protector Guard?
Golden Rule Insurance Company underwrites the product.
Can this plan be used by itself?
It is intended to supplement other health coverage, not replace comprehensive major medical coverage.
What network and extra features are referenced?
The brochure references UHC Choice Plus, HealthiestYou by Teladoc, and an Optum Perks discount card.
Is there an age limit?
Eligibility is 18–64 with renewability to age 65 under policy and state rules.
Get a Health Protector Guard Quote
Review plan fit and disclosures with a licensed agent before enrollment.
Call 863-640-3102