AdvantageGuard Hospital Indemnity
Every day you spend in a hospital bed costs more than most people realize. AdvantageGuard pays a fixed daily cash benefit — on top of Medicare — for every day you're admitted. You use the money however you need.
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The Costs Medicare Wasn’t Designed to Cover
You have Medicare. Maybe you even have a supplement or advantage plan. You assume you’re covered. But then you spend three days in the hospital and discover the copays, the coinsurance, the out-of-pocket costs that add up to hundreds — sometimes thousands — of dollars.
And that’s just the medical side. What about meals your spouse eats at the hospital cafeteria? Parking fees? Someone to watch the house or care for a pet? The income you or your family member loses by being at your bedside instead of at work?
AdvantageGuard was built for this moment. It pays a fixed daily cash benefit for every day you’re confined to a hospital — and that money goes directly to you, not the hospital. No one tells you how to spend it.
How AdvantageGuard Works
You choose a daily benefit amount and a maximum number of days per hospital stay. Then you add optional riders for the specific risks that matter most to you.
Base Hospital Benefit
- •Choose $50–$3,000 per day
- •1-day option: higher daily amount, pays first day only
- •3 to 10-day option: lower daily amount, pays multiple days
- •Hospital observation: 100% of daily benefit (max 4 days/year)
- •Mental health inpatient: $250/day (max 7 days/year)
Guaranteed Issue Amounts
- •GI: $50–$1,500/day — no health questions
- •SI: $1,550–$3,000/day — simplified health questions
- •Available to adults ages 60–90
- •Spouse coverage available (same age range)
- •Guaranteed renewable for life
8 Optional Riders — Build the Coverage You Actually Need
Most people don’t need all eight. But knowing what’s available lets you design a plan that fits your life — not someone else’s.
Cancer
$2,500–$50,000 lifetimeHospital days for cancer treatment. 30-day waiting period.
ER / Urgent Care
$100–$500 per visitPer-visit benefit for emergency and urgent care. No waiting period.
Outpatient Surgery
$250–$2,500 per daySame-day surgery procedures performed outpatient.
Skilled Nursing Facility
$100–$500/dayCovers days 21–100 (Medicare covers 1–20). After qualifying hospital stay.
Outpatient Rx
$100–$500 per dayPrescription drug coverage. 30-day waiting period.
Outpatient Diagnostic
$100–$500 per dayDiagnostic exams and testing performed outpatient.
Ambulance
$100–$500 ground / 10× airEmergency transport per trip.
Wellness
$75 per examAnnual preventive wellness exam. 30-day waiting period.
What a Claim Actually Looks Like
Here’s a real-world scenario showing how AdvantageGuard works alongside a Medicare Advantage plan.
Scenario: 3-day hospital stay for pneumonia. You have a Medicare Advantage plan with a $300/day hospital copay.
AdvantageGuard doesn’t just cover the gap — in this example, it puts an extra $600 in your pocket. That’s money for groceries, transportation, home help, or anything else you need during recovery.
Important Details to Know
Preexisting Conditions
There is a 6-month lookback period. Conditions for which you received treatment, advice, or diagnosis within 6 months before your effective date are excluded for the first 6 months of coverage. After that, they're covered like any other condition.
No Network Restrictions
Use any licensed hospital or medical provider. No referrals required, no prior authorization for the base benefit.
Guaranteed Renewable
As long as you pay your premiums, the company cannot cancel your coverage. Premiums may change for the entire policy class, but not individually based on your health or claims history.
Waiting Periods
The base hospital benefit has no waiting period. Cancer, Outpatient Rx, and Wellness riders have a 30-day waiting period from your effective date.
Available in 44+ States
Available: AL, AK, AZ, AR, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MO, MT, NE, NV, NH, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI, WY
Not currently available in CA, MA, NJ, NM, NY, or VT. Availability may change — check during enrollment.
See Your Exact Pricing
Enter your date of birth and zip code on the next page, and you’ll see your exact monthly premium for every plan option — with no commitment required.
Enroll Now
Guaranteed issue options available up to $1,500/day — no health questions required. Higher amounts available with a short health questionnaire.
Important: AdvantageGuard covers future hospital stays beginning after your coverage effective date. Conditions treated within 6 months before enrollment are excluded for the first 6 months. This is not a plan for covering a current hospitalization or an upcoming scheduled procedure. This is a fixed indemnity plan — not Medicare Supplement or major medical insurance. Benefits vary by state.
You’ll be taken to UnitedHealthOne’s secure enrollment site. Select your daily benefit amount and optional riders, and see your exact premium before committing.
Looking for dental, vision, or hearing coverage? AdvantageGuard focuses on hospital indemnity benefits. For D/V/H plans, we recommend a different option — reach out to us and we’ll help you find the right fit.
Guaranteed Issue Enrollment
If you have existing health conditions, you can still qualify for AdvantageGuard at benefit levels up to $1,500/day — with absolutely no health questions.
Guaranteed Issue means no health questions — but it does not mean immediate coverage for existing conditions. Any condition you were treated for within the past 6 months will not be covered during your first 6 months of enrollment. After that waiting period, all conditions are covered equally. This plan is designed to protect your future — not to cover a current hospitalization.
Not Sure Which Riders You Need?
A licensed agent can help you design the right combination of base benefit and riders in about five minutes — based on your Medicare plan, health history, and budget.
Get Your Free AdvantageGuard Consultation
We'll help you build the right plan — no pressure, no obligation.