Deductibles and copays
Help address the out-of-pocket medical costs your primary coverage may leave behind.
AdvantageGuard® Hospital IndemnityCoverage starts at less than $1 a day*
Hospital cash paid directly to you—starting at less than $1 a day.
When a covered hospital confinement qualifies, you receive a fixed daily cash benefit—not the hospital or doctors. Use it for medical bills, household expenses, or whatever matters while you recover.
Underwritten by
*Selected plan configurations may start below $1 per day. Actual rates vary by age, state, benefit selections, riders, underwriting, and carrier rules.
Direct to you
Qualifying cash benefits are paid to the policyholder.
Daily benefit
Select the hospital confinement amount and covered-day maximum.
Use it your way
Help with medical costs, household bills, or recovery expenses.
The Key Difference
The benefit goes to your bank account—not the provider.
Health insurance generally pays covered providers and leaves you responsible for deductibles, copays, coinsurance, and other expenses. AdvantageGuard works differently: after a qualifying claim, the scheduled cash benefit is paid directly to you.
That gives you flexibility to respond to the full financial impact of a hospital stay—not only the hospital bill.
Step 01
Covered hospital event
A qualifying inpatient confinement or covered observation occurs.
Step 02
Fixed benefit is approved
Payment is based on your selected policy benefit—not the total bill.
Step 03
Cash comes to you
Use the money for medical or everyday expenses as needed.
Use the Cash Where It Helps
A hospital stay can create bills far beyond the hospital.
AdvantageGuard’s fixed cash benefit gives you room to decide what needs attention first.
Rent or mortgage
Keep everyday household obligations moving while you focus on recovery.
Groceries and utilities
Use the benefit for practical expenses that do not pause during a hospital stay.
Transportation or lost income
Help with travel, caregiving, or income pressure related to a covered confinement.
Daily Hospital Benefit
Choose the benefit level that fits your budget and risk.
The selected benefit is paid for each covered inpatient day, up to the maximum number of days selected when you apply.
One-day maximum option
$50–$3,000
Per covered day, in $50 increments, with a maximum of one day per period of confinement.
Multi-day options
$50–$1,000
Per covered day, with 3-, 4-, 5-, 6-, 7-, or 10-day maximum options per period of confinement.
No waiting period for standard plan benefits
Standard benefits begin according to the policy effective date. Preexisting-condition limitations and state-specific rules apply. Some optional riders have a 30-day waiting period.
Benefit availability, minimums, amounts, maximum days, and limitations vary by state. A period of confinement is defined by the policy. The issued policy and state-specific forms control.
Core Plan Highlights
Straightforward protection for covered hospital events.
Covered inpatient confinement
Choose a fixed daily benefit and a maximum number of covered days when you apply.
Hospital observation
The plan includes an observation benefit for a qualifying 12-to-24-hour period in most states.
Mental or nervous disorder confinement
A separate fixed daily benefit may apply, subject to the policy’s annual maximum.
Benefits work alongside other insurance
Qualifying benefits are paid regardless of other insurance, subject to policy terms.
Optional Benefit Riders
Extend protection beyond an inpatient stay.
Optional riders can add fixed benefits for other covered services. Riders are selected at application, apply to all covered people on the policy, and require additional premium.
Availability, benefit amounts, waiting periods, and limits vary by state.
Cancer first-diagnosis benefit
Emergency room and urgent care
Outpatient provider-administered prescription drugs
Skilled nursing facility confinement
Outpatient surgery and major diagnostics
Ground or air ambulance transportation
Covered wellness exams or procedures
Carrier StrengthBacked by Golden Rule Insurance Company.
Golden Rule Insurance Company, a UnitedHealthcare company, underwrites and administers AdvantageGuard. The carrier has served individuals and families buying their own coverage for more than 80 years.
Who can apply?
Ages 60–90
The primary insured must be age 60 or older at application. A spouse or eligible domestic partner may also apply. Eligibility and state rules vary.
Frequently Asked Questions
Clear answers before you choose coverage.
A Vistara advisor can help you compare the brochure summary with the policy details and state-specific forms.
Who receives the hospital indemnity benefit?
For a qualifying claim under AdvantageGuard, the fixed cash benefit is paid directly to you—not to the hospital or physician—so you can use it where it helps most.
Is the benefit based on the size of my hospital bill?
No. AdvantageGuard pays the fixed amount selected in the policy for a qualifying service. The benefit is not reimbursement for the full bill and may be less than your actual expenses.
Can I use the cash for non-medical expenses?
Yes. Once an eligible benefit is paid to you, it may be used for expenses such as rent, groceries, utilities, transportation, or other household needs.
How does the daily hospital benefit work?
When a covered inpatient confinement qualifies, the plan pays the selected daily amount for the covered number of days, subject to the policy’s definitions, limits, exclusions, and state variations.
Does coverage really start at less than $1 per day?
Selected entry-level configurations may be available for less than $1 per day. Your actual premium depends on age, state, benefit selections, riders, underwriting, and carrier rules. A personalized quote is required.
Does this replace health insurance or Medicare?
No. AdvantageGuard is supplemental hospital indemnity insurance with limited benefits. It is not comprehensive health insurance, Minimum Essential Coverage, a Medicare supplement policy, or a substitute for Medicare Advantage coverage.
Protect Your Cash Flow
See what hospital cash protection can look like for you.
A licensed Vistara advisor can help you compare benefit amounts, covered-day options, riders, state availability, and personalized pricing.
Important plan disclosure
AdvantageGuard is hospital indemnity insurance that provides limited fixed benefits in stated amounts regardless of actual expenses incurred. This product supplements health insurance and is not a substitute for Minimum Essential Coverage under the Affordable Care Act. It is not a Medicare supplement policy and does not fully supplement Medicare or a private Medicare Advantage plan. Benefits, premiums, waiting periods, exclusions, preexisting-condition limitations, underwriting, renewability, and availability vary by state and policy selection. The policy and state-specific forms control.