AdvantageGuard - UHOne

AdvantageGuard - UHOne


What It Is
AdvantageGuard is a hospital indemnity insurance plan that provides fixed benefit payments for hospital stays and related services. It is a supplement to major medical insurance.

How It Works
The plan pays set cash amounts directly to the insured, regardless of actual medical bills. Members can use these payments however they choose.

Core Plan Benefits
  1. Inpatient hospital confinement - choose $50 to $3,000 per day (1-10 days per confinement)
  2. Hospital observation (12-24 hours) - 100% of the chosen inpatient benefit, up to 4 days per year
  3. Mental or nervous disorder confinement - $250 per day, up to 7 days per year
Optional Benefit Riders
  1. Available at added cost, these expand coverage:
  2. Cancer benefit: $2,500 - $50,000 per lifetime
  3. Outpatient prescription (provider-administered): $100 - $500/day, up to 6 per year
  4. ER/Urgent Care visits: $100 - $500 per visit
  5. Skilled nursing facility: $100 - $500/day (days 21-100)
  6. Outpatient surgery: $250 - $2,500/day (2 days/year)
  7. Major diagnostics (CT, MRI, PET): $100 - $500/day (2 days/year)
  8. Ambulance: $100 - $500/day (air = 10x ground)
  9. Wellness exam: $75 once per year
Eligibility
Seniors age 60 - 90, spouse or domestic partner (varies by state; NO dependents

Preexisting Conditions Limitation
Preexisting condition limitations apply for the first 6 months.

Guaranteed Issue
Depending on the benefit level chosen, applicants may quality for guaranteed issue (no medical questions) or simplified issue (limited underwriting).

No Waiting Period for Most Benefits
There’s no waiting period for standard benefits, and only a 30-day waiting period for certain optional riders like cancer or wellness. Coverage begins as soon as the policy is active.

What’s Not Covered
  1. Self-inflicted injury, war, illegal activity, or intoxication-related injuries
  2. Cosmetic or weight-loss surgery
  3. Pregnancy (except complications)
  4. Mental health care beyond benefit limits
  5. Non-prescribed drugs, dental/vision treatment, or care outside of the U.S. (except emergencies)
Renewable for Life
Policy is renewable for life if the premiums are paid

Great For
Seniors

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