At a glance
- $3,000 first-day hospital admission benefit
- $4,000/day hospital confinement (Year 1; increases in Year 2)
- 12 Rx fills in Year 1 — $20 generic / $60 brand
- Outpatient imaging included
- $2,000,000 calendar-year maximum, $5M lifetime
- Surgical schedule pays up to $37,500 (Tier 1)
2026 Florida benefit summary — Preferred 4000
| Benefit | Year 1 amount |
|---|---|
| Hospital admission (first day) | $3,000 |
| Hospital confinement (per day) | $4,000/day |
| Emergency room | $500/visit (3 max) |
| Doctor office visit | $100/visit |
| Specialist visit | $125/visit |
| Office visits per year | 6 (8 in Year 2) |
| Ground ambulance | $1,000/trip |
| Air ambulance | $5,000/trip |
| Surgical (Tier 1 – 7) | $37,500 down to $375 |
| Prescription fills (Year 1) | 12 fills · $20 gen / $60 brand |
| Outpatient imaging | Included |
| Calendar-year maximum | $2,000,000 |
Florida policy form HPG3-GRI-09. Underwritten by Golden Rule Insurance Company. Year 1 amounts shown — most benefits increase in Year 2 on continuous renewal. Surgical schedule limits 2 surgical days per calendar year. NOT minimum essential coverage under the ACA.
Who picks Preferred 4000?
Preferred 4000 is most commonly chosen by:
- Self-employed Floridians who carry an ACA Bronze plan and want fixed-indemnity to soften the deductible.
- Polk County families who think Select 2000 hospital-day benefit is too thin but don't need Premier 5000 pricing.
- Pre-Medicare bridge enrollees filling a 6 – 18 month gap before Medicare eligibility.
- Anyone who wants Rx coverage on every fill at a moderate monthly premium.
Preferred 4000 vs Select 2000 vs Premier 5000
| Benefit | Select 2000 | Preferred 4000 | Premier 5000 |
|---|---|---|---|
| Hospital admission | $2,000 | $3,000 | $3,000 |
| Hospital per-day | $2,000 | $4,000 | $5,000 |
| ER per visit | $300 | $500 | $1,000 |
| Office visits / year | 4 → 6 | 6 → 8 | 10 → 12 |
| Surgical Tier 1 | $25,000 | $37,500 | $50,000 |
| Rx fills (Year 1) | 12 | 12 | 20 |
Frequently asked questions
Is Health ProtectorGuard Preferred 4000 ACA-compliant?
No. It's fixed-indemnity supplemental insurance, not ACA major medical, and is not minimum essential coverage. Many Floridians pair it with an ACA plan to fill out-of-pocket gaps.
Does Preferred 4000 cover pre-existing conditions?
Golden Rule applies a 12-month pre-existing condition lookback and exclusion. Conditions you received care for in the 12 months before the policy effective date are generally not covered during the first 12 months.
Can I get Preferred 4000 in Polk County?
Yes — it's filed for sale in Florida on policy form HPG3-GRI-09 and available statewide, including Lakeland, Bartow, Winter Haven, Plant City, and Auburndale.
How does Preferred 4000 pay claims?
Preferred 4000 pays fixed-dollar benefits per covered service directly to you (or assigned to the provider). Benefits are not reduced by what other coverage pays.
Get a Preferred 4000 quote
15 minutes on the phone with a licensed Florida broker. We compare every Health ProtectorGuard variant filed in your ZIP, plus pairing options with ACA, Short Term Medical, or Medigap. No fees.
Get Free Help Call 863-640-3102