At a glance
- $5,000 hospital admission benefit
- $500/visit ER (3 max)
- $100 / $120 / $150 doctor / specialist / urgent care
- $1,500/day outpatient facility (2 max)
- Rx covered: $10 generic / $40 brand
- Outpatient imaging: $50 – $500/test (4 max)
- Surgical schedule up to $12,500
2026 Florida benefit summary — Guard 5000
| Benefit | Year 1 amount |
|---|---|
| Hospital admission benefit | $5,000 |
| Emergency room | $500/visit (3 max) |
| Doctor office visit | $100/visit |
| Specialist / urgent care | $120 SP / $150 UC |
| Office visits per year | 4 (6 in Year 2) |
| Therapy visits | $35/visit (10 max) |
| Ground ambulance | $600/trip |
| Air ambulance | $3,000/trip |
| Surgical benefits | $125 – $12,500 |
| Outpatient facility | $1,500/day (2 max) |
| Prescription benefits | $10 generic / $40 brand |
| Outpatient imaging | $50 – $500/test (4 max) |
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 5000?
- Florida enrollees who want Guard pricing with Rx — Guard 4000 saves money but excludes prescriptions and imaging; Guard 5000 adds both at a moderate premium step-up.
- Short Term Medical pairings — Guard 5000 + STM is the most popular Guard pairing because the Rx benefit complements STM's typical Rx exclusion.
- Self-employed Floridians with a couple of regular prescriptions who don't qualify for ACA subsidies and want a sub-Core monthly premium.
- Pre-Medicare bridge for enrollees on a few medications who need imaging covered occasionally.
Guard 5000 vs Guard 4000 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 |
| Imaging | Not included | $50–$500/test | $100–$500/test |
Frequently asked questions
Is Guard 5000 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.
How does the Rx benefit on Guard 5000 actually work?
You pay the listed amount per fill — $10 for a generic, $40 for a brand drug — and the plan pays the rest up to a per-fill cap. Specialty drugs and certain categories may be excluded. Confirm your specific medications before enrolling.
Does Guard 5000 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 5000 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 5000 quote
15 minutes on the phone with a licensed Florida broker. We compare every Health ProtectorGuard variant filed in your ZIP and pairing options with ACA, Short Term Medical, or Medigap. No fees.
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