Fixed Benefit Insurance Plans
Sample Health Protector Guard rates shown below are for a 48 year old non-smoker male. Please reach out for a customized quote or run instant quotes yourself.
SD residents please request quotes or run quotes here instead for Manhattan Life Affordable Choice plans as the below plans are not available to SD residents.
Affordable Monthly
like HPG Select Value- $3000 daily hospital benefit
- $200 Wellness benefit
- $6000 per day ICU x 31
- Prescription discount card
Balanced Plan
like HPG Primary Preferred- $4000 daily hospital benefit
- $250 Wellness benefit
- $2000 per day ICU x 60
- $10/$40 Rx benefit
Maximum Benefits
like HPG Premier Plus- $5000 daily hospital benefit
- $250 Wellness benefit
- $10000 per day ICU x 31
- $20/$40 Rx benefit
You don't have to decide now.
Contact us - we will help you evaluate your insurance goals and choose the most beneficial health insurance plan.
Fixed Benefit Plans are a Low-Cost Option with Nationwide Coverage
Fixed Benefit Plans Overview
Fixed Benefit plans from United Healthcare (called Health Protector Guard) are fixed indemnity health insurance plans. This means that instead of paying a percentage of your medical claim like traditional insurance does, these plans will pay a fixed benefit amount for medical services. These plans have a schedule of payments so that you know exactly how much the plan will pay towards your doctor visit, hospital stay, prescriptions, surgery, etc.
Why We Like These Plans
We have compared United Healthcare’s fixed benefit schedule with every other fixed benefit plan on the market, including those offered by Freedom Life, New Era, and Family Motorcoach Association (FMCA) and have found these plans to have the most generous fixed benefit indemnity payment schedule by quite a bit. Additionally, these plans do not have annual nor lifetime benefit maximums with them like their competitors’ plans do (some plans have $2M annual and $5M lifetime limits). Furthermore, like all of the plans we offer, you can use these plans in all 50 states and have access to over 5,000 hospitals and almost a MILLION healthcare professionals.
South Dakota Residents
The United Healthcare Health Protector Guard plans are not available to SD residents (as well as a few other states). Instead we recommend the Manhattan Life Affordable Choice plans for you. You are welcome to request a quote from us for these plans or click here to run your own quotes.
Fixed Benefit Overview
- Lower Cost than ACA
- No Deductibles
- Nationwide Coverage
- Guaranteed Renewable to Age 65
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Who are Fixed Benefit plans best for?
Who We Like These Plans For
The Fixed Benefit plans are best for US travelers who want maximum freedom to choose their doctors, are healthy, under age 65, want to keep their monthly healthcare costs to a minimum, and don’t want a high deductible health plan. If you enroll in this plan you should be okay with sharing the cost of medical expenses since they do not pay 100% of your claims.
INSIDER TIP >> Consider supplementing a subsidized ACA plan with a Fixed Benefit plan. This will give you nationwide protection for both smaller and larger catastrophic medical expenses!
Who These Plans Are Not Ideal For
We do not recommend these plans if you are unhealthy or have planned medical procedures in the near future as they will not cover pre-existing medical conditions. We also do not recommend these plans if you have a large retirement ‘nest egg’ to protect because all fixed benefit plans can leave you somewhat exposed to larger medical expenses. They are more of a medical plan than medical insurance in that regard.
Fixed Benefit Plans Candidates
Ideal Candidate Bulletpoints
- Healthy individuals and candidates
- Want low-cost nationwide coverage
- Fulltime RVers
- Want maximum healthcare freedom
Pros and Cons Plan Summary
Pros
- Low-Cost for most people
- Nationwide coverage
- Guaranteed renewable to age 65
- No deductibles
- Pays you cash or the provider directly
- Excellent benefits compared to all other fixed benefit plans on the market
- Enroll all year
Cons
- Medically underwritten and does not cover pre-existing conditions
- No out of pocket limits (see INSIDER TIP above)
Other Plans Available
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About Your Broker
Nomad Insurance Group was created by nomads for nomads. Our founder, Kyle Henson, has been a full-time RVer since 2011 as well as an insurance broker since 2001. He has also been an avid long-trail backpacker and outdoor enthusiast his entire life. When you work with us you can rest assured that you will be working with someone who understands the lifestyle as well as the healthcare insurance industry. We are focused on education and service, not sales. Our aim is to give you the tools to research your options while providing guidance where requested.