Health ProtectorGuard, underwritten by Golden Rule Insurance Company, is a fixed indemnity insurance product.1 This type of insurance works differently than other health insurance plans. It pays a fixed benefit amount for eligible medical expenses.
You may be in the habit of paying a share of the total covered costs. And that’s after you meet a deductible that you are responsible for covering before your insurance company pays anything. With Health ProtectorGuard, you get the immediate gratification of seeing some of your health care costs cut down up front.
If you have hospital and doctor fixed indemnity insurance, you are paid a set benefit per hospital or doctor service as specified in the plan. No deductible or cost sharing first. You get a specific medical service, and you are then paid the eligible fixed benefit for that service.
Health ProtectorGuard Brochure
Guard Plans Brochure