Health ProtectorGuard (HPG) - UHOne

What It Is

HPG is a fixed indemnity plan that pays set dollar amounts for covered medical services, regardless of the actual bill.

How It Works

Pays the fixed benefit amount shown in the schedule, regardless of what the provider charges. Payment can be sent to the provider or directly to the member.

Plan Levels

1. Select 2000
2. Preferred 4000
3. Premier 5000
   

Higher tiers offer larger benefits

1. Key Benefits
   
   

1. Inpatient confinement
2. ICU/CCU
3. Hospital admission
4. Surgical benefits
5. ER visits
6. Outpatient facility
7. MRI/CT/PET
8. Chemotherapy/radiation
9. Wellness, office visits & prescription benefits
   

Eligibility & Renewability

1. Ages 18-64 (varies by state)
2. Renewable to age 65
   

Preexisting Conditions Limitation

12 months (state variations apply)

No Deductibles, Copays or Coinsurance

Benefits paid out are what is shown on the schedule

Maximum limits

1. Calendar year max: $2 million per person
2. Lifetime max: $5 million per person
   

Network Flexibility

Members can see any provider, but using the UnitedHealthcare Choice Plus network provides discounted rates, easier claim filing and nationwide access to providers & hospitals.

Great For

Clients needing stronger fixed medical coverage

• Related Articles

• HospitalWise - UHOne

  What It Is HospitalWise is a hospital inddemnity insurance plan that pays a fixed cash amount for covered hospital stays, regardless of actual medical costs. It is a supplement to major medical insurance. How It Works Helps offset out-of-pocket ...

• AccidentWise - UHOne

  What It Is AccidentWise provides cash benefits when accidental injuries happen — helping cover out-of-pocket costs like deductibles, rent, or everyday expenses. Type of Coverage Accidental injury–only coverage — pays for injuries caused by accidents, ...

• Hospital Expense - Allstate

  What It Does Pays a fixed amount directly to the member based on the benefit levels of the plan chosen for covered hospital stays. The client can use these fund any way they wish. Plan Levels Base (A-C) and Max (D-F) Eligibility and Renewability Ages ...

• Dentalwise - UHOne

  What It Is DentalWise is a standalone dental insurance plan for individuals and families, administered by Dental Benefit Providers. No Waiting Periods No waiting periods for preventive, basic and most major services. EXCEPTION: Implants do have a ...

• 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 ...