Stephens-Matthews Marketing

More ways to get certified!

UnitedHealthcare is pleased to offer another third-party certification program as a way to earn credit for our Medicare Basics assessment with a passing score from the National Association of Benefits and Insurance Professionals (NABIP)! Submit the form below to learn more.

-ACA, Medicare &
Final Expense Leads

Individual & Family Plans

How does Hospital Indemnity complement Medicare Advantage?

In the video below, we highlight how Hospital Indemnity coverage complements Medicare Advantage by covering copays, mirroring Medicare Supplement plans' role in addressing deductibles for original Medicare. We also emphasize the potential for a Medicare Advantage and Hospital Indemnity combination to offer clients comprehensive coverage. Watch this video now


Your client's new option for help covering Medicare Advantage plan copays

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

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

Did you know...

Agents who offer diverse insurance product bundles actually experience higher retention rates compared to those who do not.

Watch this video


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

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.

Stephens-Matthews Marketing, Inc.

Managing general agent