Set benefits paid for covered services
Benefits paid regardless of other coverage
No out-of-pocket deductibles you have to pay
No networks you have to stay in for coverage
Hospital and doctor fixed indemnity insurance, also known as fee for service insurance, pays a set amount of money when you receive specific covered medical services.2 That's money that can serve as a financial boost to help you deal with those expenses.3
Bills can be sneaky. They have a way of showing up when you least expect them—one right on top of another, once you’ve forgotten about that purchase you made. Medical bills can be the most unexpected. A health condition often comes without warning and that means a visit to the doctor or a ride in an ambulance.
But what if there were benefits to help offset those up-front medical costs you’re facing? That’s the concept behind Hospital and Doctor fixed indemnity insurance.
Set benefit paid for covered services
Amount paid per service the same regardless of provider
No out-of-pocket deductible to pay before receiving benefits
Insurance that’s available year round
Coverage possible for the entire family and renewable
Underwritten by Golden Rule Insurance Company
Health ProtectorGuard is a flexible Hospital and Doctor fixed indemnity product with...
NEW! More Health ProtectorGuard plans with new features now available in select states. See what options are available in your state today!
View PlansUnderwritten by Independence American Insurance Company (IAIC)
Core Access is a customizable Hospital and Doctor product with...
Underwritten by Golden Rule Insurance Company
Health ProtectorGuard is a flexible fixed indemnity insurance product with...
NEW! More Health ProtectorGuard plans with new features now available in select states. See what options are available in your state today!
View PlansUnderwritten by Golden Rule Insurance Company
We're sorry but Health ProtectorGuard fixed indemnity insurance plans underwritten by Golden Rule Insurance Company are not currently available in your state. We're working to make the product available in more states, so check back. Your state may be added soon.
For UnitedHealthcare insurance options that are available where you live right now, please call 1-800-273-8115. Our licensed Product Advisors can help you explore your insurance options today.
1-800-273-8115
Underwritten by Independence American Insurance Company (IAIC)
Core Access is a customizable Hospital and Doctor product with...
A major medical insurance plan will pay for all or a percentage of covered expenses after you meet certain deductibles, copays or out-of-pocket costs. However, a fixed indemnity plan is different. It pays you a certain predetermined amount for specified health care services.
If you have a qualified expense under your Hospital and Doctor fixed indemnity plan, you or the provider you designate get paid the amount specified in your plan for that service.2
Don’t be confused. This type of plan provides limited benefits. It pays a certain amount per covered medical service, often up to a certain calendar-year maximum.
It is not major medical insurance and does not provide the coverage mandated by the Affordable Care Act (ACA), often called Obamacare. It does not provide coverage for all the essential health benefits outlined in the ACA.
And unlike an ACA plan, it will most likely not provide coverage for expenses resulting from any preexisting medical conditions. Read your plan carefully to see what is and what isn’t covered. Simply put, a fixed indemnity plan isn’t meant to be your main health insurance.
Still, though it may not be designed to be your main health insurance, fixed indemnity insurance is designed to help you when you face health expenses. It can assist you with your medical costs and supplement your comprehensive health coverage. It can help:
Sometimes a little help goes a long way. Hospital and Doctor fixed indemnity insurance can be that financial boost to make your medical expenses more manageable.
Learn How Fixed Indemnity Insurance Works?
Fixed indemnity insurance pairs well with
UnitedHealthcare offers a broad selection of supplemental insurance products that suit almost any coverage needs. Build the right package of coverage for you and your loved ones today.
2 These plans are medically underwritten. Benefits are not paid for expenses resulting from preexisting conditions. See specific plans for details.
3 THIS PLAN PROVIDES LIMITED BENEFITS. This is a supplement to health insurance and is not a substitute for the minimum essential coverage required by the Affordable Care Act (ACA). Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes for 2018.
Health ProtectorGuard is underwritten by Golden Rule insurance Company. The Core Access series is underwritten by Independence American Insurance company and administered by The Loomis Company. Golden Rule Insurance Company and Independence American Insurance Company are separate entities and are not responsible for each other's contractual or financial obligations.
Independence American Insurance Company is a member of the IHC Group. IHC is the brand name for plans, products and services provided by subsidiaries and affiliate member companies of The IHC Group.
UnitedHealthOne is a brand name that represents a portfolio of insurance options for individuals and families.
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