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.
- People bridging coverage before Medicare eligibility during a 6 – 18 month gap.
- 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
Speak with a licensed Florida broker to review Health ProtectorGuard variants filed in Florida, plus pairing options with ACA, Short Term Medical, or Medigap. Insurance carriers generally compensate appointed brokers when an enrollment is completed; compensation and availability vary by carrier and product.
Get Plan Help Call 863-640-3102