At a glance
- $6,000 hospital admission benefit
- $600/visit ER (3 max)
- $120 / $140 / $200 doctor / specialist / urgent care
- $2,000/day outpatient facility (2 max)
- Surgical schedule up to $25,000 — double Guard 4000 and 5000
- Rx covered: $10 generic / $40 brand
- Outpatient imaging: $100 – $500/test (4 max)
2026 Florida benefit summary — Guard 6000
| Benefit | Year 1 amount |
|---|---|
| Hospital admission benefit | $6,000 |
| Emergency room | $600/visit (3 max) |
| Doctor office visit | $120/visit |
| Specialist / urgent care | $140 SP / $200 UC |
| Office visits per year | 4 (6 in Year 2) |
| Therapy visits | $50/visit (10 max) |
| Ground ambulance | $600/trip |
| Air ambulance | $3,000/trip |
| Surgical benefits | $250 – $25,000 |
| Outpatient facility | $2,000/day (2 max) |
| Prescription benefits | $10 generic / $40 brand |
| Outpatient imaging | $100 – $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 6000?
- Florida enrollees anticipating a higher-cost surgical procedure — the $25,000 surgical schedule is the standout vs Guard 4000 and 5000 ($12,500 max).
- Short Term Medical pairings where surgical headroom matters — Guard 6000 + STM is the strongest catastrophic-style Guard combination.
- Self-employed Floridians without ACA subsidy access who want the largest Guard hospital and surgical payouts.
- Pre-Medicare bridge enrollees who expect a covered procedure during the bridge window.
Guard 6000 vs Guard 4000 vs Guard 5000
| 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 6000 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 does Guard 6000 cost more than Guard 5000?
The biggest cost driver is the surgical schedule — Guard 6000 doubles the surgical max from $12,500 to $25,000. The hospital admission benefit also rises from $5,000 to $6,000 and the outpatient facility benefit from $1,500 to $2,000/day. For enrollees not planning a higher-cost procedure, Guard 5000 often delivers similar value at a lower premium.
Does Guard 6000 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 6000 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 6000 quote
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