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MyMedLab
MyMedLab offers an efficient, affordable and confidential solution to medical laboratory testing. You can purchase the same testing ordered by your doctor at a cost 50% to 80% less than in your doctor’s office or local hospital lab.
Testing can be purchased 24 hours a day on the MyMedLab website. Tests are listed both individually and in groups called Wellness Profiles based on your age, sex and family history. This basic information is all you need to identify which profile evaluates your risk for common conditions associated with your specific group.
Not available in AL, IL, OK, UT, VT, WA.

Beltone
Members and their immediate family members (grandparents, parents, spouse and children) will receive complimentary hearing screenings and a 15% retail discount off the usual and customary retail price of any Beltone hearing instrument at any of over 1500 locations throughout the United States.
Not available in AL, IL, OK, UT, VT, WA.

OneCallCare
Radiology tests have become key tools for physicians to help diagnose and monitor disease. Through One Call Care, our members can save 20% to 50% on MRIs, PET and CT scans when these tests are ordered by a doctor. Make the most out of your health plan and take advantage of optimal quality, convenience, and savings with just one call.
Not available in AL, OK, UT, VT, WA.

Teladoc
Talk to a doctor by phone, web or mobile app anytime, anywhere. From your home, office, hotel room, or vacation campsite, simply make a phone call, and in most cases, speak to a doctor in less than 30 minutes, with an average call back time of less than 10 minutes. When you call Teladoc, you will always speak to a doctor who lives and works in the United States and is licensed to practice medicine in your state. Teladoc is also the only telemedicine provider able to treat children from 0-17¹ . It’s health care that fits in the palm of your hand.

Karis360
Karis360’s team of Advisors offer personalized, caring, expert service helping members navigate the complex and expensive healthcare maze. With services from Healthcare Navigator to Bill Negotiator to Surgery Saver to Chaplaincy, Karis360 will sort through your healthcare needs saving you time and money.
Karis360 sorts through healthcare paperwork
Karis360 saves time and money
Karis360 provides unlimited assistance from a Personal Advisor‘
View real member testimonials for:
Bill Negotiation Health Care Navigator

MES Vision
Through the MES Vision program, our members receive one vision examination every 12 months plus 20% discounts on a variety of eyewear products.

ScriptSave Rx Savings Card
The ScriptSave Prescription Savings Card provides you access to discounted prescription drug prices. All household members can use the same card – including pets, if the pet medication is a common drug that is also used by people. There are no limits on how many times members and their family can use the card.
Insured Benefits
Group Accident Insurance Plans
Underwritten by Catlin Insurance Company, Inc.
Benefit Description | Level 1 | Level 2 |
Hospital Cash¹ | ||
Benefit Amount | N/A | $200 |
Maximum Benefit Period per Hospital Stay per Covered Accident | N/A | 30 days |
Critical Illness Insurance (Excludes Pre-Existing Conditions as defined in the Certificate)2 | ||
Maximum Benefit Amount | $7,500 | $7,500 |
Covered Critical Illnesses are: Invasive Cancer; Heart Attack (Myocardial Infarction); Coronary Artery Bypass Graft; Kidney (Renal) Failure; Major Organ Transplant; Paralysis; Stroke; Coma. | 100% | 100% |
Fractures Insurance³ | ||
Lifetime Maximum payable for all Covered Fractures (per Covered Person) | N/A | $1,000 |
Covered Fractures are: Collarbone; Foot (other than toes); Hand (other than fingers); Hip; Kneecap; Lower Arm; Lower Jaw; Lower Leg; Neck; Pelvis; Shoulder Blade; Skull; Sternum; Tailbone; Upper Arm; Upper Jaw; Upper Leg/Femur; Wrist. | N/A | 100% |
Accident Medical Expense Insurance (Excludes Pre-Existing Conditions as defined in the Certificate)1 | ||
Accident Medical Expense Limit | $6,600 | $6,600 |
Deductible per Accident | $250 | $250 |
Accidental Death & Dismemberment Insurance4 | ||
Principal Sum - Member, Spouse, Child(ren) | $10,000 | $10,000 |
Schedule of Covered Losses | ||
Covered Loss | Benefit | |
Life | 100% | 100% |
Two or More Hands or Feet | ||
Sight of Both Eye | ||
Speech and Hearing (in both ears) | ||
One Hand or Foot | 50% | 50% |
Sight in One Eye | ||
Severance and Reattachment of One Hand or Foot | ||
Speech | ||
Hearing (in both ears) | ||
Thumb and Index Finger of the Same Hand | 25% | 25% |
All Four Fingers of the Same Hand | ||
All the Toes of the Same Foot | 20% | 20% |
Disclaimers
Other Information
Monthly Rates
HD Assure Guard Monthly Membership Rates | ||
Level 1 | Level 2 | |
Member | $59 | $69 |
Member + Family | $119 | $139 |
Frequently Asked Questions
About the Carrier

XL Catlin
XL Catlin, through the insurance subsidiaries of XL Group plc, is a global insurance and reinsurance company providing property, casualty and specialty products to industrial, commercial and professional firms, insurance companies and other enterprises on a worldwide basis. With enhanced product development capability, XL Catlin can offer larger policies on larger risks and writes more than 30 lines of business. Our underwriters work in parallel with clients and their brokers to develop imaginative and effective risk management solutions. XL Catlin brings an incredible blend of people, products, services and technology to help businesses and people move forward. From insurance to reinsurance, XL Catlin can help you find innovative answers for a changing world. XL Catlin is the global brand used by XL Group plc’s insurance companies, including Catlin Insurance Company, Inc.
Financial Ratings
XL Group plc’s core operating subsidiaries receive consistently high ratings for financial strength from A.M. Best and Standard & Poor’s, the leading independent analysts for the insurance industry.
Membership Eligibility
- Between the ages of eighteen (18) and sixty-four (64)
- Reside in an available state
- Not enrolled in Medicare, Medicaid, Medical Disability or any other Federal or state-funded program
- Dependent children must be under age nineteen (19); twenty-four (24) if a Full-Time Student

This insurance is not available to any resident of the State of Utah.