What to know first
- The plan pays a set amount for each covered service, not the full medical bill.
- It includes limited benefits for certain hospital, doctor, prescription, and imaging services.
- Premier 5000 is the higher scheduled-benefit option in the Health ProtectorGuard Core series.
- Health questions, limits, exclusions, and pre-existing-condition rules apply.
The “5000” refers to a $5,000 fixed benefit for each covered day of hospital confinement. It is not a deductible or a promise to pay your full bill.
How Premier 5000 pays
You do not need to memorize the full benefit schedule to understand the plan.
You receive a covered service
The service must be listed as covered in the policy.
The plan pays the scheduled amount
The payment is subject to the policy's rules and limits.
You handle any remaining balance
If the bill is higher than the benefit, you may owe the difference.
David can show you the exact benefit schedule and current rate when you compare options. The issued policy controls.
When Premier 5000 may be worth comparing
Premier 5000 may be worth comparing if you already have major medical coverage and want supplemental help with certain expenses. It is also one of three Core options with different scheduled-benefit levels.
It should not replace ACA, Medicare, Medicaid, employer, or other comprehensive health coverage. Before you apply, David can confirm the current premium, Florida ZIP-code availability, medical underwriting, benefit limits, and exclusions.
How it differs from the other Core options
Premier 5000 is the higher scheduled-benefit Core option. Select 2000 and Preferred 4000 provide lower scheduled benefits for some covered services. Premiums and limits may also differ.
The right option depends on the care you expect to use, the coverage you already have, current rates, and what you could still owe.
Frequently asked questions
Is Health ProtectorGuard real insurance?
Yes. Health ProtectorGuard is fixed-indemnity insurance underwritten by Golden Rule Insurance Company, a UnitedHealthcare company. It pays limited, scheduled amounts for covered services. It is not major medical insurance and is not Minimum Essential Coverage under the ACA.
Does it cover pre-existing conditions?
Current materials describe a 12-month lookback and a pre-existing-condition limitation that can apply for up to 12 months after coverage begins. The issued policy controls.
Is Premier 5000 major medical insurance?
No. Premier 5000 is fixed-indemnity insurance that pays limited, set benefits for covered services. It is not Minimum Essential Coverage under the ACA and should not replace comprehensive health insurance.
Will Premier 5000 pay my full medical bill?
Not necessarily. If the provider's charge is more than the plan's scheduled benefit, you may owe the difference.
Do health questions and pre-existing-condition rules apply?
Yes. The plan is subject to medical underwriting. Current materials describe a 12-month lookback and a pre-existing-condition limitation that can apply for up to 12 months after coverage begins. The issued policy controls.
How do I get the exact benefits and price?
David can compare the current Premier 5000 schedule with the other Core options and confirm the premium and availability for your Florida ZIP code before you apply.
Want help comparing Premier 5000?
David can explain what the Core options pay, where their limits differ, and what you could still owe before you apply.
Talk to David About Premier 5000 Call (863) 640-3102Related Health ProtectorGuard pages
Plan documents and disclosures
View carrier source and policy details
Premier 5000 is underwritten by Golden Rule Insurance Company on Florida policy form HPG3-GRI-09 and is subject to medical underwriting. The carrier's current Health ProtectorGuard plan document is an outline. Current ZIP-code availability, premium, underwriting result, benefits, and final terms must be confirmed before applying. The issued policy controls.