At a glance
- $4,000 hospital admission benefit
- $300/visit ER (3 max)
- $80 / $100 doctor / specialist or urgent care
- $1,000/day outpatient facility (2 max)
- Surgical schedule up to $12,500
- No Rx, no outpatient imaging
- Lowest premium in the Florida HPG lineup
2026 Florida benefit summary — Guard 4000
| Benefit | Year 1 amount |
|---|---|
| Hospital admission benefit | $4,000 |
| Emergency room | $300/visit (3 max) |
| Doctor office visit | $80/visit |
| Specialist / urgent care | $100/visit |
| Office visits per year | 4 (6 in Year 2) |
| Therapy visits | $25/visit (10 max) |
| Ground ambulance | $500/trip |
| Air ambulance | $3,000/trip |
| Surgical benefits | $125 – $12,500 |
| Outpatient facility | $1,000/day (2 max) |
| Prescription benefits | Not included |
| Outpatient imaging | Not included |
Florida policy form HPG3-GRI-09. Underwritten by Golden Rule Insurance Company. NOT minimum essential coverage under the ACA. Benefits paid as fixed dollar amounts per covered service.
Who picks Guard 4000?
- Floridians on the tightest premium budget who still want hospital and surgical fixed-indemnity protection.
- Short Term Medical pairings — Guard 4000 + STM is a common "catastrophic-style" combination when ACA premiums are out of reach.
- Healthy enrollees with few prescriptions who already access generics through Walmart/Publix $4 lists or other low-cost programs.
- Bridge coverage for 6 – 18 months between major medical plans.
Guard 4000 vs Guard 5000 vs Guard 6000
| Benefit | Guard 4000 | Guard 5000 | Guard 6000 |
|---|---|---|---|
| Hospital admission | $4,000 | $5,000 | $6,000 |
| ER per visit | $300 | $500 | $600 |
| Outpatient facility/day | $1,000 | $1,500 | $2,000 |
| Surgical max | $12,500 | $12,500 | $25,000 |
| Rx benefits | Not included | $10 / $40 | $10 / $40 |
| Outpatient imaging | Not included | Included | Included |
Frequently asked questions
Is Guard 4000 ACA-compliant?
No. It's fixed-indemnity insurance, not ACA major medical. Most Florida enrollees pair it with Short Term Medical for catastrophic protection or use it as a supplement.
Why is there no Rx benefit on Guard 4000?
That's the design trade-off — Guard 4000 keeps the premium low by excluding Rx and imaging. If those matter, step up to Guard 5000 (which adds both at the same hospital admission benefit + $1,000) or move to the Core series.
Does Guard 4000 cover pre-existing conditions?
A 12-month lookback applies. Conditions you received care for in the 12 months before the policy effective date are generally not covered during the first 12 months.
Is Guard 4000 available in Polk County?
Yes — filed for sale statewide in Florida on policy form HPG3-GRI-09, including Lakeland, Winter Haven, Bartow, Plant City, and Auburndale.
Get a Guard 4000 quote
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