AdvantageGuard is designed to complement existing Medicare Advantage plans. It is a supplemental plan that helps to reduce out-of-pocket costs of many primary health insurance plans by providing additional coverage specifically for hospital-related expenses, with the option, in most states, to add coverage (for additional premium) to cover other expenses like ambulance transportation, emergency room, skilled nursing, and more.

Click here for State Availability Map
More states will be available soon!
Effective 10/25 AdvantageGuard will be available in:  Idaho, Indiana, Kansas, Maryland, Montana, Pennsylvania, Utah and Washington.

Guaranteed Issue ages 60-744

12-month Commission Advance!

Here’s what sets AdvantageGuard™ apart:

• Competitive premiums
• Provider-administered outpatient prescription drug benefit rider 1
• A health insurer with “A+” (Superior) AM Best rating with Golden Rule2
• Benefit selection: AdvantageGuard offers flexibility in benefit selection, allowing individuals to choose the coverage options that best meet their needs and budget, and can be tailored to suit different preferences and circumstances.
• There is no waiting period for standard plan benefits and most optional benefits3
• Available for issue ages 60 through 90
• Plans are renewable for life as outlined in the policy

AdvantageGuard is a different contract than MA

 If you currently have a UHC Medicare Advantage contract, you will need to complete new contracting for AdvantageGaurd. Agents that currently have the UHOne (short term and ancillary) contract under SMM will already have this added to their contracts.

If you are currently contracted under another FMO, contracting with Stephens-Matthews for AdvantageGuard will not effect your current UntitedHealthcare Medicare Advantage contract.

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Drive toward your end-of-year goals with this incentive!

Submit at least 20 eligible Golden Rule Ins. Co. product applications between Sept. 1 - Dec. 31, 2024 (issued by no later than Jan. 15, 2025) and you can earn more in addition to your standard commission. NO LIMIT on how much you can earn with this incentive.

Once you qualify, the bonus counts for all eligible applications, including those submitted to reach the baseline. You must be registered to be eligible!

You MUST Attend “Leveraging fixed indemnity insurance in a cost-sensitive market” Webinar to register for Homestretch incentive.

This event will be offered multiple times each month through the end of the incentive program.

Submit the form below for full incentive details and a schedule of webinar date/times.

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For more information and agent contracting,
submit the short form below or contact Tessa at 1-800-544-8250 x20902

1 Payable per day (limits apply) when Insured Person receives a prescription delivered by injection in an outpatient provider setting.

2 Ratings as of 12/09/2022. This worldwide, independent organization reviews insurance companies and other businesses and publishes opinions about them. This rating is an indication of financial strength and stability. For the latest rating, access www.ambest.com

3 Additional premium applies.

4 Guaranteed Issue cases must be equal to or less than the GI max allowable base and rider benefit selections. Applications submitted where one or more base or rider benefits exceeds the allowable GI max will be subject to Simplified underwriting. Benefits are subject to preexisting conditions.