Skip to Main Content

Cash for covered
medical expenses

Benefits paid regardless of other coverage

Benefits paid
regardless of other

Plans available all year

Plans available

No deductible to meet

No deductible to
meet to receive payments

Health ProtectorGuard

Hospital and Doctor Insurance

Health ProtectorGuard, underwritten by Golden Rule Insurance Company, is a Hospital and Doctor fixed indemnity plan.1 That’s a complicated label for a simple concept—Health ProtectorGuard pays a set benefit for certain medical expenses, the kind that you’re most likely to face during a given year.2

Doctor office visits, prescription payments, X-rays, outpatient procedures, even a hospital stay: Health ProtectorGuard offers coverage for all these and more by paying a fixed cash amount for each.3

34 Million People Are Admitted Each Year to a Hospital

Over 36 million patients

are admitted to the hospital each year.4 If you needed to stay in a hospital, would your finances be affected?

With Fixed Indemnity Insurance Your Benefits Come First

With Health ProtectorGuard, you don’t have to make a deductible payment. There are no copays or split payment formula, no drug pricing tiers. You or your chosen provider just submit a covered medical expense, and the amount specified in the plan is paid for that service, regardless of other coverage.

Also with Health ProtectorGuard


Coverage is available for individuals and families.


Plans are renewable up to age 65.


Plans are available year-round. You don’t have to wait for an enrollment period.


Choose any doctor or hospital you want. You aren’t limited by a provider network.5

Consider a Health ProtectorGuard plan today, and the next time you see the doctor, you can get some help paying the bill.

Building the Best Coverage for You and Your Family

You can also purchase dental or vision insurance to round out your health insurance coverage.

1 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.

2 These plans are medically underwritten. Benefits are not paid for expenses resulting from preexisting conditions. See specific plans for details.

3 Up to a calendar-year or lifetime maximum.

4 American Hospital Association, Fast Facts on U.S. Hospitals, 2020. Retrieved from

5 If you have a major medical plan, you may need to stay with certain networks and providers to get the most coverage out of that plan.


Navigate Back to Top