Medicare Advantage add-on
Supplement Your Medicare Advantage Plan
Medicare Advantage (MA/MAPD) plans leave copays and coinsurance — especially for hospital stays. A hospital indemnity plan like AdvantageGuard pays you fixed cash benefits to help cover those out-of-pocket costs. Available in Arizona, Florida, North Carolina, Michigan, and Nevada.
The gap
Why MA members consider extra protection
What if you had a hospital stay?
Medicare Advantage plans typically charge a daily copay for inpatient hospital stays — often hundreds of dollars per day for the first several days. Even with an annual out-of-pocket maximum, one unexpected stay can strain your budget.
A hospital indemnity plan can't keep you out of the hospital, but it pays you fixed cash benefits for qualified services — money you can use for copays, bills, groceries, or anything else.
What does "fixed benefit" mean?
"Fixed benefit" means the plan pays a set dollar amount for certain qualified medical services — regardless of the total bill and regardless of what your MA plan pays. If you receive an eligible service and the claim is submitted, qualifying benefits are paid to you in the amounts shown in your policy.
Coverage highlights
Straightforward cash benefits for:
- Inpatient hospital stays for sickness or injury — $50 to $3,000 per day, your choice
- Hospital observation (12–24 hour stays)
- Inpatient stays for mental or nervous disorders
- Optional riders in most states: cancer, ER/urgent care, skilled nursing, outpatient surgery, ambulance, wellness visits, and provider-administered prescription drugs
Good to know
Plan advantages
- Benefits are paid directly to you — use the cash however you need
- No waiting period for standard plan benefits
- Available for issue ages 60 through 90
- Plans are renewable for life as outlined in the policy
- Guaranteed issue (no health questions) or simplified issue, depending on benefits chosen
- Benefits are paid regardless of other insurance you have
Free AdvantageGuard Brochure
Download the official plan brochure with full benefit details, optional riders, exclusions, and state variations. Plain-language education — no pressure, no obligation.
Important: This is a hospital indemnity policy. THIS POLICY PROVIDES LIMITED BENEFITS. It is a supplement to health insurance and is not a substitute for minimum essential coverage. It is NOT a Medicare Supplement (Medigap) policy and does not fully supplement Medicare or any Medicare Advantage plan. Benefits, amounts, and availability vary by state; preexisting condition limitations and waiting periods may apply to certain optional benefits. Underwritten and administered by Golden Rule Insurance Company, a UnitedHealthcare company, rated "A+" (Superior) by A.M. Best.
Next step
Is this right for your MA plan?
A free educational review walks through your current Medicare Advantage plan's hospital copays and shows exactly how a fixed-benefit plan would fill the gaps — in plain language, with no obligation. Licensed in Arizona, Florida, North Carolina, Michigan, Nevada.
Talk to a human
Book a Free Medicare Supplement Review
This is an educational insurance consultation. We can discuss Medicare Supplement options available in your state and your individual circumstances. No pressure, no obligation.
This page provides general educational information and is not a recommendation or guarantee of eligibility, approval, coverage, or premium. Medigap availability, premiums, underwriting, and enrollment rights can vary by state, carrier, and individual circumstances and are subject to applicable rules. Gilbert Services Southwest is not affiliated with or endorsed by Medicare, CMS, or the federal government. This is a solicitation for insurance.