Health Protector Guard

More than 36.5 million patients were admitted to the hospital in 2017.1

Product Information

The cost of medical care can add up quickly. Health ProtectorGuard fixed indemnity plan pays fixed cash benefits for specific hospital and doctor expenses. With Health ProtectorGuard, your clients can receive benefits for the entire family and continue to renew their plan through age 65.

Health ProtectorGuard plans pay a benefit based on eligible services rendered and are designed to supplement health insurance. These benefits can help your clients lower the out-of-pocket expenses incurred from hospital services.

Health ProtectorGuard - pays a fixed amount per day for Hospital Confinement, ICU Confinement, Emergency Room, plus other medical services up to the calendar year maximum.

No network limitations.

No deductible or waiting period.

Renewable coverage until age 65.

Enhanced Health ProtectorGuard, recently introduced in select states, offers additional benefits. Now your clients can receive benefits for wellness and preventive services, rollover up to 5 unused doctor visit benefits per calendar year, and choose from more plan options. See the product availability map below and view the Enhanced Health ProtectorGuard brochure under Sales Tools & Broker Training>Sales Tools for more details.

Product Availability by State  

Watch a brief video to learn more about Health ProtectorGuard


Let us be the secret to your success! Start here with these sales tips to help you with your next client quote. 

Sales Tips

We know your clients have a choice of products to meet their needs. That's why we want to share a few ways our Health ProtectorGuard product may be the best option for your client. 

  • Present Health ProtectorGuard year-round, even outside of Open Enrollment, to help your clients round-out their health care coverage.
  • With Health ProtectorGuard there's no need to worry about network limitations; your clients can visit any provider they choose. 
  • Suggest this product to clients who have limited savings to cover large medical bills.  


When is the right time to offer a certain product? 
How does it compare to other options?
We have the answers right here.  

Product Positioning

At UnitedHealthOne, we want you to be successful and feel prepared to present our product portfolio to your clients. We're more successful together.

  • Minimum Essential Coverage (MEC) is not required for Health ProtectorGuard plans. Use it to help clients, with or without major medical, reduce their out-of-pocket exposure.
  • Health ProtectorGuard can be a good option for clients with high deductibles on their existing health insurance plan. Working with a limited budget? Consider Hospital SafeGuard Premier.
  • Expenditures for hospital care accounted for 33% of all personal health care expenditures in 20172. Let your clients know how valuable this type of product can be. 
Health ProtectorGuard provides limited benefits. 
1American Hospital Association, Fast Facts on U.S. Hospitals, 2019.
2Centers for Medicare & Medicaid Services, National Health Expenditures Accounts, 2017. 

Most products and services are underwritten by Golden Rule Insurance Company or Oxford Health Insurance, Inc.
References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies.
Administrative services are provided by United Healthcare Services, Inc.
UnitedHealthOne is a brand name that represents a portfolio of insurance options for individuals and families.
All products require separate applications. Separate policies or certificates are issued. Medical plans are medically underwritten– see the product brochures and applications.
Product availability varies by state.
Not for Consumer Use 
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