Hospital & Doctor Plans

Hospital & Doctor plans are also often called fixed-benefit insurance or fee for service insurance. That’s because this type of insurance pays you a set—that is, fixed—amount of money for specific services covered by the plan.

Unexpected medical bills can disrupt even the healthiest home budgets. Health ProtectorGuard, underwritten by Golden Rule Insurance Company, is a fixed-benefit hospital doctor insurance plan that can help you deal with the unexpected by paying you or your provider a preset benefit amount for some of the most common medical costs you and your loved ones might face.

Call (484) 509-1784 to learn more today

With a Health ProtectorGuard indemnity plan:

  • You are paid regardless of other insurance coverage.
  • You don’t have to meet a deductible before you receive benefits.
  • Your fixed benefits are paid straight to your provider or to you after a covered expense is submitted.
  • You choose the doctor or health facility you need.
  • You can apply year round, not just during an enrollment period or because of special circumstances.

What is indemnity insurance?

A fixed indemnity plan like Health ProtectorGuard is much different than a major medical insurance plan. READ HERE FOR MORE DETAILS.

A regular major medical health insurance plan pays for all or a percentage of covered expenses after you meet a deductible, pay a copay or reach a certain amount of out-of-pocket costs. Put simply, for qualified expenses, in most cases, you pay first, and then your insurance company covers the rest.

A hospital doctor insurance plan offers limited benefits and is meant to supplement a more traditional health insurance plan. Indemnity insurance essentially flips how you are paid when compared to major medical insurance. You or your provider are paid a predetermined fixed benefit for certain health care expenses you have incurred, and then you are responsible for the rest.

Call (484) 509-1784 to learn more today

What are the features of a hospital doctor insurance plan?

In addition to the set amount of money paid for receiving specific medical services, Health ProtectorGuard is designed with enhanced features to make the plan helpful just when you may need it most – afterall, it’s hospital doctor insurance.

Features for doctor/urgent care visits

  • Some Health ProtectorGuard hospital doctor insurance plans allow you to rollover unused doctor office/urgent care visits (up to a maximum of five visits) in those years you don’t need them.
  • Health ProtectorGuard features preventive care benefits for visiting the doctor to stay healthy, like to get a physical or a mammogram, not just when you feel ill.
  • The Health ProtectorGuard second surgical opinion feature can help you seek out additional medical advice about potential surgery.

Features for hospitalization

  • Health ProtectorGuard features unlimited inpatient hospital confinement and surgical benefits, which means no matter how long you stay in the hospital or how many surgeries you have, you may receive benefits.
  • Set payment for injury-related hospitalization increases 25% for every year up to the fifth year you keep your Health ProtectorGuard fixed indemnity plan.
  • Health ProtectorGuard fixed indemnity insurance recognizes some surgeries are more complex and expensive. It pays more for certain surgeries and may include additional payment when an assistant surgeon is involved.
  • If a hospital stay involves the intensive care or critical care unit, payment for that stay is made in addition to the daily inpatient hospital confinement benefit. That’s more cash to deal with more serious hospitalization costs.

Saving now and later

  • Take advantage of network discounts — You have no network restrictions with Health ProtectorGuard. You can go to any doctor or health care facility you want and still get your eligible benefits. However, you also have access to discounted rates for services if you use doctors or providers in the MultiPlan Limited Benefit Plan network. (Note: There’s a $3.25 MultiPlan network access fee included in addition to your premium each month.)
  • There are no deductibles, no application or association fees to pay.
  • Use your prescription drug discount card — Every plan comes with a card that helps you get drug discounts of up to 50-75% off.5
  • In most cases, Health ProtectorGuard fixed indemnity insurance is renewable up to age 65.

Call (484) 509-1784 to learn more today

How do I use my Health ProtectorGuard insurance?

It’s simple. You or your provider just submit a covered expense. The fixed benefit for that eligible service is then paid, regardless of other insurance coverage.