NEW Fixed Benefit Medical Insurance from United Healthcare – SEE ANY DOCTOR or HOSPITAL – APPLY ANY TIME – $0 DEDUCTIBLE

 These are not ACA ‘Obamacare’ plans and should not be mistaken for ‘major medical health insurance’. Instead these are fixed-benefit health plans that indemnify either you or your medical provider for medical services rendered at a fixed benefit level.

Enter your zip code below to request a custom quote for this plan or to speak with someone about the details. You can also click here to schedule a phone call with Kyle to discuss this option.

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We are thrilled to introduce a new Fixed Benefit Medical plan to the RV community.  Fixed Benefit plans offer a cash benefit payout when you have an illness or accident and can be an excellent alternative to expensive major-medical insurance. Although these are not ‘Obamacare’ ACA plans (therefore not eligible for subsidy) they offer nationwide benefits to RVers that ACA plans don’t offer. The fixed benefit plan we offer allows you to see any licensed doctor or hospital in the country.

These plans could either be used to supplement an ACA plan that doesn’t have a nationwide network to give you nationwide benefits or as a stand-alone nationwide plan. There are no deadlines or enrollment periods so you can apply for these plans any time of the year. 

(Initially we considered offering 2 separate Fixed Benefit plans but ultimately this one from United Healthcare is so superior to any other Fixed Benefit plan that we don’t see the point in creating confusion by offering a lesser product alongside this one. We still offer the other guaranteed issue fixed benefit plan but this one is simply better.)

Available in 43 States (either under the name Health ProtectorGuard or Core Access): AL, AR, AK, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, IA, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WI, WV, and WY.


Health ProtectorGuard from United Healthcare is an excellent Fixed Benefit plan that can be used nationwide at any licensed medical provider. You can also take advantage of discounted rates using the PHCS Multiplan Network (but you are not required to!).


Here’s why we consider this the best fixed benefit indemnity plan out there…and why we chose to go with this plan ourselves for 2019:

1) The highest payment schedule we have seen for fixed benefit plans (view the complete payment schedule here),

2) It pays any licensed doctor or hospital in the country! There is no penalty for going outside of the plan’s network,

3) It is offered by United Healthcare, the largest health insurance company in the world and A” Rated “Excellent” (By A.M. BEST),

4) Plan benefits are payable for a large number of services:

This fixed benefit insurance pays for hospitals services, emergency room, air and ground ambulance, surgery (including assistant surgeon, facility, and anesthesia fees), doctor visits (including second opinions), wellness and preventive, prescriptions drugs, diagnostic lab and imaging, and more.

5) the Health ProtectorGuard (called Core Access in some states like South Dakota) plans from United Healthcare have unlimited annual and unlimited lifetime benefit maximums — something you are not likely to find from any other fixed benefit plan in the country,

6) the plan pays the doctor directly or you can have payments sent to you (when you don’t use the PHCS network) – the choice is yours,

7) Simple Underwriting: yes/no health questions with no medical testing required (we also offer a guaranteed acceptance option which does not require a health questionnaire),

8) First-dollar coverage: You can get $0 deductible coverage or choose a deductible to reduce monthly premiums,

9) Pre-existing covered after 12 months: If you are accepted into the plan then you may be eligible for coverage of a pre-existing condition after 12 months of enrollment

10) Guaranteed Renewable until age 65

11) EXCELLENT Rates! Monthly premiums are far below what you would pay for an unsubsidized ACA plan in 2019.



rates for a married couple, 40 yrs old each, nonsmokers, zip code 77399 (TX):

rates for a 55 year old female, nonsmoker, zip code 33513 (FL):

But, what about the risks of having a fixed-benefit insurance plan like this instead of a major medical health insurance plan? We considered that as well when we looked at our own options for health insurance in 2019. We weighed the cost of an ACA plan ($1100/month for our family of 3 for an HMO plan with $6900 deductible and only good in Texas) vs this option (we pay $605/month for our family for the Primary Preferred Health ProtectorGuard plan). When we did our own risk-benefit analysis and considered the likelihood of an expensive hospital stay and the average cost of a hospital stay (we found this article and this study to be very helpful in our decision-making process), we concluded that the cost savings was worth the relatively low risk of needing more coverage than this plan would provide. Of course, you have to do your own research, draw your own conclusions, and determine what is an acceptable risk for you and your family.


Plan Brochure can be viewed by clicking here.


Quotes and Enrollment can be completed by clicking here or the “Shop for Hospital & Doctor Coverage” image below. 

Look for Health ProtectorGuard (or Core Access – as it is called in SD, CA, MT, NM)


Complete the form below to request a custom quote or if you want to discuss this plan with Kyle!

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