1. Doctor Visits – Pays set amount regardless of charge for doctor visits, and provides coverage for Urgent Care services.
  2. Wellness/Preventative РEligible for Wellness/Preventative care after 6 month waiting period.
  3. Pharmacy Services – Name Brand and Generic medications available on select plans, and all plans include a prescription discount card.
  4. Outpatient Services РMajor and minor testing (labs, X-rays, etc.) are covered.  Outpatient radiation and chemotherapy reimbursed at set amounts.
  5. Hospital Services – All plans cover unlimited inpatient confinement and up to 31 days per year of ICU/critical care (paid in addition to inpatient confinement).
  6. Surgical Services – Unlimited days of surgical benefits (inpatient or outpatient), and anesthesiologist benefit paid for each day anesthesia is used (inpatient or outpatient surgeries).

Health ProtectorGuard is underwritten and administered by Golden Rule Insurance Company. Golden Rule Insurance Company is rate “A” (Excellent) by A.M. Best, a widely recognized rating agency that rates Insurance companies on their relative financial strength and stability. Golden Rule Insurance company owned by United Healthcare.