At a glance
- $2,000 first-day hospital admission benefit
- $2,000/day hospital confinement (Year 1; increases in Year 2)
- 12 Rx fills in Year 1 — $10 generic / $40 brand
- Outpatient imaging included
- $2,000,000 calendar-year maximum, $5M lifetime
- Lowest premium in the Florida Core series
2026 Florida benefit summary — Select 2000
| Benefit | Year 1 amount |
|---|---|
| Hospital admission (first day) | $2,000 |
| Hospital confinement (per day) | $2,000/day |
| Emergency room | $300/visit (3 max) |
| Doctor office visit | $80/visit |
| Specialist visit | $100/visit |
| Office visits per year | 4 (6 in Year 2) |
| Ground ambulance | $1,000/trip |
| Air ambulance | $5,000/trip |
| Surgical (Tier 1 – 7) | $25,000 down to $250 |
| Prescription fills (Year 1) | 12 fills · $10 gen / $40 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 Select 2000?
Select 2000 is most commonly chosen by:
- Floridians on a tight budget who want Core-series Rx and imaging benefits without paying for the higher Preferred or Premier hospital benefits.
- Self-employed and 1099 enrollees using a high-deductible ACA plan — Select 2000 fills small claims fast.
- Pre-Medicare enrollees bridging a few months before age 65 who want broader benefits than the Guard series.
- Anyone who wants Rx covered every fill at the lowest Core premium.
Select 2000 vs Preferred 4000 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 Select 2000 ACA-compliant?
No. It's fixed-indemnity insurance, not ACA major medical. Most enrollees pair it with an ACA Bronze plan or use it as a supplement during a coverage gap.
Does Select 2000 have a pre-existing condition exclusion?
Yes — 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 of the policy.
Is Select 2000 available statewide in Florida?
Yes. It's filed for sale in Florida on policy form HPG3-GRI-09, including in Lakeland, Bartow, Winter Haven, Plant City, and Auburndale.
Why is Select 2000 cheaper than Preferred 4000?
Select 2000 pays lower per-day hospital and surgical benefits, fewer office visits in Year 1, and a lower ER and specialist amount. The Rx and imaging benefits are similar — what you give up is the size of the hospital and surgical payouts.
Get a Select 2000 quote
15 minutes on the phone with a licensed Florida broker. 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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