(An upbeat electronic conga beat begins. The UnitedHealthcare logo appears and turns into a ribbon, gliding across the screen and revealing the words “UnitedHealthcare, Golden Rule Insurance Co. and Health ProtectorGuard”. A bright synthesizer orchestral tune is added to the conga beat. Two hands join together in a handshake to create a heart graphic on the left side of the screen. On the right, the words “Extra help for the “what ifs”” fade in.)
The bright voice of a young woman begins: A little extra help for the “what ifs” we all worry about.
(The words on the right half of the screen change to “Health ProtectorGuard”.)
Voiceover: That’s the power of Health ProtectorGuard.
(A stethoscope appears on one half of the screen; on the other half, the words “Medical Treatment”)
Voiceover: “What ifs” can be costly. Seeking medical treatment isn’t always cheap,
(The stethoscope and words disappear, and a wallet with a coin appears.)
Voiceover: and it can be hard coming up with the cash to cover doctor visits,
(Wallet disappears, and a doctor’s office graphic appears, followed by prescription and hospital graphics as they’re mentioned.)
Voiceover: prescriptions or maybe even something bigger like a hospital stay.
(Graphics are replaced by the words “Health ProtectorGuard” and dollar bill and heart graphics.)
Voiceover: Health ProtectorGuard is insurance that pays a fixed benefit amount for eligible medical services like office visits,
(Graphics are replaced by the words “Office visits”, “Prescriptions”, “Hospital stays”, and “Wellness visits” as they’re mentioned.)
Voiceover: prescriptions, hospital stays, surgeries with some plans, and even wellness visits after a 30-day waiting period. Health ProtectorGuard is not an Affordable Care Act plan.
(Previous words are replaced with “is not an Affordable Care Act plan”, “it is not for pre-existing conditions”, “flexible supplemental coverage”, and “You choose the benefit level” as they’re mentioned.)
Voiceover: It does not provide coverage for pre-existing conditions. It’s a robust supplemental insurance plan to give you extra flexibility based on your health care needs. You choose the benefit level that makes the most sense for the health services you use most often. Here’s a quick example: Let’s say you’ve had a bad cough, trouble breathing and a fever for a couple of days.
(A graphic with a person appears with an X-Ray revealing their lungs.)
Voiceover: You see your doctor and get a chest X-ray.You’re diagnosed with a severe case of pneumonia and need to be admitted to the hospital for a few days.
(A blood pressure cuff graphic appears.)
Voiceover: Your Health ProtectorGuard is ready to help with covered expenses.
(Graphic slides off the screen, replaced by the words “your plan pays” and on the right of the screen as they’re mentioned these graphics appear: a doctor’s office graphic and “$100”, an X-Ray graphic and “$50”, a hospital graphic and “$2,000”, and finally a bed graphic and “$4,000”. Underneath “your plan pays” in fine print it says: “Example based on HPG Select 2 plan”.)
Voiceover: Your plan pays $100 for the doctor visit, $50 for the X-ray, $2,000 for hospital admission and $4,000 for 2 days of inpatient hospital care.
(Graphics are replaced with the words “After claims are filed” on the left side of the screen with a document graphic and “$6,150” on the right side of the screen with a dollar bill graphic. Underneath in fine print it says: “Example based on HPG Select 2 plan”.)
Voiceover: After the claims are filed, the plan pays a benefit of $6,150 – regardless of any other health insurance coverage you may already have.
(The $6,150” with the dollar bill graphic slides to the left, replacing the words “after claims are filed.” The words “Directly paid to your provider” appear on the right.)
Voiceover: The $6,150 benefit is paid directly to your providers to help reduce and cover some of your bills.
(The upbeat gleeful tune in the background continues. Various healthcare related graphics appear in different sized circles.)
Voiceover: With Health ProtectorGuard, there are no network restrictions. You can choose any doctor or hospital you want. But you will see lower costs for care with providers in the UnitedHealthcare Choice Plus network.
(The words “Health ProtectorGuard” appear on top of the words “Choose any doctor or hospital” and “UnitedHealthcare Choice Plus Network” which fade in and fade out as they’re mentioned.)
Voiceover: Coverage is available for individuals and families – and you can apply at any time.
(A close-up graphic of a person with a heart bandage on their arm, as well as two raised hands appear.)
Voiceover: No need to wait for an enrollment period.
(An animated clock graphic appears and ticks, to the left of the words “Apply anytime” and “No enrollment period”, which fade in and fade out. The clock disappears and is replaced by the words “No deductibles'' and “Benefits paid regardless of other coverage” which fade in and out as they’re mentioned.)
Voiceover:There are no deductibles to meet, and benefits are paid regardless of other medical insurance coverage you may have.
(An animated graphic of a person holding a phone with a doctor on the screen appears to the left of the words “Telehealth available 24/7”)
Voiceover: And with Health ProtectorGuard, telehealth services are available 24/7.
(Telehealth graphic is replaced by an animated prescription graphic to the left of the words “Discounts on prescriptions” and underneath that, the words “with your Optum Perks card” in fine print.)
Voiceover: You also receive discounts on prescriptions with the Optum Perks card.
(A calendar graphic appears with the words “Doctor visits”, “Hospital stay”, and “Prescriptions” and “Telehealth” animate in.)
Voiceover:Health ProtectorGuard – simple, straight-forward benefits for covered services.
(A final screen with the words “UnitedHealthcare” and “Golden Rule Insurance Co.” in the upper left corner. In the center of the screen there are the words: “Health ProtectorGuard” and then “Questions? Call your local health insurance broker” and finally “See the product brochure for more information on benefits, exclusions and limitations.” At the bottom of the screen in fine print: “Underwritten by Golden Rule Insurance Company, a UnitedHealthcare Company, Product design and availability varies by state. This product is medically underwritten. This policy has exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. Benefits provided in stated amount regardless of the actual expenses incurred. Benefits are not paid for expenses resulting from preexisting conditions. For costs and complete details of the coverage, call your insurance agent or the company.
45387-G-0321”)
Voiceover: A little extra insurance help so you can have a little less worry about the “what ifs” of life.
