561-699-9453 hello@helpmehamon.com Get a personalized proposal

Accident & critical illness plans · underwritten by Golden Rule Insurance Company

Compare Your Accident Plan Options

Three accident plans, side by side. AccidentWise pays set cash amounts when you're hurt. Accident ProGuard and Accident ProGap pay back your actual accident medical bills and add a lump sum for a serious illness. Money goes to you, to use however you need. Amounts are per covered person unless noted. Benefits can vary by state.

Based on the current UHC brochures: AccidentWise (2025), Accident ProGuard & ProGap (2023) · Updated September 2026

Options with no health questions Paid to you Works alongside any health plan

Please read: These plans provide limited benefits. They supplement your health insurance and are not a substitute for major medical coverage or the minimum essential coverage required by the Affordable Care Act (ACA).

See states where these plans are available

AccidentWise 42 states + DC

Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, Wyoming

Accident ProGuard & ProGap 34 states + DC

Alabama, Alaska, Arizona, Arkansas, California, Delaware, District of Columbia, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Louisiana, Maine, Maryland, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, North Carolina, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Texas, Utah, West Virginia, Wisconsin, Wyoming

Don't see your state? Reach out. I can help you find other options.

AccidentWise

No health questions

Open the brochure (PDF)

A good fit if you want simple, predictable cash when you or your kids get hurt, or you're older than 64.

No health questions, and you can apply up to age 75
Pays set amounts: $10,000–$20,000 for a hospital admission, $1,000–$2,000 for an ER visit
No deductible, and your premium doesn't go up because you get older
Sold in the most states of the three, including Pennsylvania and Virginia

10000Lowest cost. $10,000 hospital admission and $1,000 ER benefit.

15000$15,000 hospital admission and $1,500 ER benefit.

20000The most cash per event: $20,000 hospital admission and $2,000 ER benefit.

Good to know: covers accidents only, not illness. No benefit for ambulance, X-rays, or prescriptions. ER and urgent care pay up to 4 times a year, follow-up visits up to 5.

Accident ProGuard

Simple health questions or GI

Open the brochure (PDF)

A good fit if you want your accident bills paid back, plus a large lump sum if you're diagnosed with a heart attack, stroke, or cancer.

Pays back your actual accident medical bills after a $250 deductible, up to $5,000 or $10,000 a year
Critical illness lump sum up to $50,000, the largest of the three
Accidental death & dismemberment included
A guaranteed-issue version (ProGuard GI) needs no health questions

ProGuardSimple health questions. Accident $5,000 or $10,000; critical illness $10,000 to $50,000.

ProGuard GINo health questions. $5,000 or $7,500 for accident, critical illness, and AD&D.

Good to know: apply between ages 18 and 64. The critical illness amount drops by half at age 65. There's a 30-day wait for critical illness, and a spouse or child gets half your amount.

Accident ProGap

No health questions

Open the brochure (PDF)

A good fit if you want an all-in-one safety net with no health questions: accident bills, critical illness, and cash if you're hospitalized for an illness.

Guaranteed issue, with no health questions
Pays back your accident medical bills after a $250 deductible, up to $2,500, $5,000, or $10,000 a year
Critical illness and AD&D match the amount you choose
$2,500 when you're admitted to the hospital for an illness, the only plan here that pays for that

$2,500Lowest cost. $2,500 for accidents, critical illness, and AD&D.

$5,000$5,000 for accidents, critical illness, and AD&D.

$10,000$10,000 for accidents, critical illness, and AD&D.

Good to know: apply between ages 18 and 64. Critical illness amounts are smaller than ProGuard's. Pre-existing conditions aren't covered for critical illness or illness hospital stays in the first 12 months.

Which plan fits you?

You want cash when you or your kids get hurtAccidentWise

You worry about cancer, a heart attack, or a strokeAccident ProGuard

You have health conditionsProGap, AccidentWise, or ProGuard GI

You want your actual accident bills paid backProGuard or ProGap

You want cash if you're hospitalized for an illnessAccident ProGap

You're 65 or olderAccidentWise

You're active and play sports for funAccidentWise

You have a high-deductible health planProGuard or ProGap

You live in Pennsylvania, Virginia, Colorado, or ConnecticutAccidentWise

You live in California or OregonProGuard or ProGap

How the plans pay

What a claim looks like

The ProGuard and ProGap examples come from the brochures, which note that the people are fictional. The AccidentWise example is an illustration built from its benefit schedule.

AccidentWise 15000 · illustration

A broken arm

An ER visit, outpatient surgery a few days later to set the bone, then 3 follow-up visits.

ER treatment$1,500
Outpatient surgery$1,500
3 follow-up visits × $150$450

Paid to you$3,450

Accident ProGap · $10,000 level

A fall while hiking

Ann breaks her leg and needs stitches. Her medical bills come to $4,730.

Medical bills$4,730
Deductible−$250

Paid to Ann$4,480

She still has $5,520 of accident benefit left for the year.

Accident ProGuard · $30,000 critical illness

A cancer diagnosis

Two years after buying her plan, Diana is diagnosed with leukemia and can't work during treatment.

Lump sum paid to Diana$30,000

Invasive cancer pays 100% of the amount chosen.

Accident ProGap · hospital admission

Appendicitis

Tom is rushed to the hospital and admitted for appendicitis, an illness rather than an accident.

Paid to Tom$2,500

Pays once per person per year for a stay of 24 hours or more.

All benefits

Every benefit, every plan

Not covered No benefit in the brochure Not listed separately The plan materials don't list this on its own. Ask Hamon before counting on it. "Covered bills" = ProGuard and ProGap pay back your actual charges, after the deductible, up to your yearly accident amount

Rotate your phone for a better view of this table.

Benefit

AccidentWise

Accident ProGuard

Accident ProGap

Plan

Plan 10000

Plan 15000

Plan 20000

ProGuard

ProGuard GI

ProGap

Common questions

Questions people ask

Straight answers about how these plans work. Tap a question to open it.

What's the difference between these plans?

AccidentWise pays a set cash amount for each thing that happens after an accident, like $1,500 for an ER visit, no matter what the bill is. Accident ProGuard and Accident ProGap work differently: they pay back your actual accident medical bills, after a $250 deductible, up to a yearly amount you choose. Both of those also pay a lump sum if you're diagnosed with a covered critical illness.

Do these work with my health insurance?

Yes. All three pay on top of whatever your health insurance pays, and the money goes to you. For ProGuard and ProGap, you send the Explanation of Benefits from your health plan with your claim. That shows your actual charges after discounts.

Is this health insurance?

These are limited-benefit supplemental plans from Golden Rule Insurance Company, a UnitedHealthcare company. They help with costs your health plan leaves behind, but they aren't major medical coverage and they don't count as ACA coverage.

Can I get covered if I have health conditions?

Yes. AccidentWise, Accident ProGap, and Accident ProGuard GI have no health questions. Accident ProGuard asks a few simple health questions. For critical illness, and for ProGap's illness hospital benefit, a condition you had in the 12 months before your plan started isn't covered during your first 12 months.

When does coverage start?

Accident benefits cover accidents that happen after your plan starts. The critical illness benefit has a 30-day wait in most states, and ProGap's illness hospital benefit does too. Cancer diagnosed in days 31 to 90 pays 10% of the benefit, then the full amount after that.

How do I get paid?

You file a claim, ideally within 30 days, and the benefit is paid to you. It's your money to use however you need: medical bills, your deductible, rent, groceries, or lost wages.

Is my family covered the same way?

On AccidentWise, each covered person gets the same benefit amounts. On ProGuard and ProGap, accident and AD&D amounts are the same for everyone, but a spouse or child gets half of your critical illness amount. On ProGap, each covered person can receive the $2,500 illness hospital benefit once a year.

What happens as I get older?

AccidentWise accepts applicants up to age 75, has no maximum age for keeping it, and your premium won't go up because you get older. ProGuard and ProGap accept applicants ages 18 to 64 and can be renewed until age 70. ProGuard's critical illness amount drops by half at age 65.

What isn't covered?

Injuries at work, professional or college sports, skydiving and similar activities, racing, being intoxicated, and self-inflicted injuries are some common exclusions. AccidentWise doesn't cover illness at all. ProGuard and ProGap don't cover durable medical equipment, or occupational or outpatient speech therapy. The brochures list every exclusion.

What if I change my mind?

AccidentWise has a 10-day free-look period after the policy is issued. Return it in that time and you get your premium back. Ask me about the free-look period for ProGuard and ProGap in your state.

Questions? Let's talk

Not sure which plan fits? I'll walk you through it.

I'm Hamon R. Burkhardt, a licensed Health & Life insurance broker. I'll help you compare these plans with your budget, your family, and your current coverage in mind. No pressure, no fine print.

Call or text561-699-9453

Emailhello@helpmehamon.com

Websitehelpmehamon.com

Get a personalized proposal Book a call

Critical illness details

ProGuard and ProGap pay once per covered person for each listed condition, and 180 days must pass between qualifying diagnoses. The lifetime maximum is 3 times the amount you choose. The heart procedures are grouped as one benefit that pays once.

What these plans don't cover

Injuries on the job
Professional, semi-professional, or college sports; skydiving, hang gliding, bungee jumping; racing
Injuries while intoxicated, and self-inflicted injuries
Mental health and substance use treatment (ProGuard and ProGap)
Illness of any kind (AccidentWise)

This is a summary. The policy lists all exclusions and limitations.

State differences

California: no $250 deductible on ProGuard or ProGap.
Maryland: no critical illness waiting period on ProGuard or ProGap.
Illinois & Missouri: during the first 30 days, critical illness pays up to $500.
Connecticut: AccidentWise adds ambulance and home health care benefits.

Other state variations may apply.

About this guide

This guide summarizes plan brochures from Golden Rule Insurance Company, a UnitedHealthcare company, which underwrites these plans. It was prepared by Hamon R. Burkhardt, licensed Health & Life insurance broker (NPN 16713594), and is not an official Golden Rule or UnitedHealthcare document. It is not a contract. The policy's terms decide what is covered. Plan availability varies by state and eligibility. © 2026 helpmehamon!