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HD CareGuard

Start your membership as early as March 23

About HD CareGuard

Accidents can happen anytime, anywhere – and today’s active lifestyles may make you more susceptible. And when accidents happen, they’re often followed by an onslaught of medical bills. A HD CareGuard plan can help members pay for the expenses that are not fully covered by their primary insurance, so they can concentrate on getting well.

Association Benefits

Health Care Discounts

ScriptSave Rx Savings Card

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.

IDLife Nutritional Products

IDLife Nutritional Products

IDLife products are scientifically formulated to help you by providing therapeutic doses of specific nutrients to:

  • Restore nutrients depleted by your Rx program
  • Help your body resist Rx side effects
  • Improve your overall nutrition status thus optimizing your health

Additionally, they have been pre-screened to avoid drug/nutrient interactions that may be present with your current vitamin program.

Laboratory Testing


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.

Minors not accepted. Not available in AL, IL, OK, UT, VT, WA.

Diagnostic Testing


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.

Hearing Products and Screenings


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.

Value Added Benefits


At home or abroad, the entire suite of AirMed medical transport benefits is available to Health Depot members without deductibles, claim forms or out-of-pocket expenses.

If a medical emergency occurs while you are hours from home or halfway around the globe, members have seamless access to the highest level of acute care provided by the leading air medical company in North America – AirMed.

Insurance Benefits

Hospital Indemnity, Accidental Death & Dismemberment (AD&D) and Accident Medical Expense (AME) Insurance Benefits

Guarantee Trust Life Insurance Company

Group Accident Only Insurance
Underwritten by Guarantee Trust Life Insurance Company (GTL), Glenview, IL
Policy Form Series MP-1400/GC-1400 or MP-1300/GC-1300 issued to Health Depot Association
Benefit DescriptionLevel 1Level 2
Hospital Indemnity Benefit1
Benefit Amount per Day$500$1,000
Maximum Benefit Period per Hospital Stay per Covered Accident30 days30 days
Accident Medical Expense Benefit (AME)1
Accident Medical Expense Limit$2,500$5,000
Deductible per Covered Accident$250$250
Initial Treatment Period60 Days60 Days
Benefit Period12 Months12 Months
Covered Charges
Hospital room and board, and general nursing care, up to the semi-private room rate.up to $2,500up to $5,000
Hospital miscellaneous expense during Hospital Confinement or for outpatient surgery under general anesthetic, such as the cost of the operating room, laboratory tests, x-ray examinations, anesthesia, drugs (excluding take-home drugs) or medicines, therapeutic services and supplies.up to $2,500up to $5,000
Doctor’s fees for surgeryup to $2,500up to $5,000
Anesthesia servicesup to $2,500up to $5,000
Doctors’ visits, inpatient and outpatient, each visit$75$75
Hospital Emergency care$500$500
X-ray and other diagnostic tests$250$250
Ambulance expense$250$250
Durable Medical Equipment$100$100
Prescription Drugs$500$500
Dental treatment for Injury to Sound Natural Teeth$250 per tooth up to a maximum of $500$250 per tooth up to a maximum of $500
Physical Therapy$60 for first visit; $30 for each visit thereafter$60 for first visit; $30 for each visit thereafter
Registered Nurse expense$2,500$5,000
Accidental Death & Dismemberment Benefit (AD&D)2
Principal Sum- Member, Spouse, Child(ren)$20,000$25,000
Schedule of Benefits
Loss of Life100%100%
Loss of Both Hands
Loss of Both Feet
Loss of Entire Sight of Both Eyes
Loss of One Hand and One Foot
Loss of Speech and Hearing
Loss of One Hand or One Foot and the Entire Sight of One Eye
Loss of One Hand or One Foot50%50%
Loss of Entire Sight of One Eye
Loss of Speech or Hearing
Loss of Hearing in One Ear25%25%


1 Accident Medical Expense Benefit does not pay for reinjury or complications of an injury caused or contributed to by a condition that existed before the Accident.

2 Accidental Death and Dismemberment Benefits are provided as shown in the Schedule of Benefits and pays the member or beneficiary up to
the benefit amount listed for the member’s death or loss of certain body parts in a Covered Accident.

Other Information

Monthly Rates

HD CareGuard Monthly Membership Rates
Level 1Level 2
Member + Spouse$125$168
Member + Children$109$137
Member + Family$169$232
A one-time $35 enrollment fee applies to become a member of the Health Depot Association.

Frequently Asked Questions

About the Carrier

Guarantee Trust Life

With more than 80 years of experience in the insurance industry, Guarantee Trust Life Insurance Company (GTL) has a proud heritage of providing excellent service and superior insurance products to individuals, families and groups across the country.

GTL believes in doing business the right way. They have a consistent track record of successfully delivering on their promises and preserving the trust that their partners, employees and policyholders place in them.

Their mission is to be recognized as a highly-competent, mid-sized mutual insurer, who by bridging timeless virtues with current best business practices, is effective in marketing targeted life and health products across the country.

Guarantee Trust Life Insurance Company’s current financial condition is the strongest ever. In 2016*, GTL posted record operating gains while growing surplus by 10 percent, assets by 11 percent, reserves by 12 percent. 97% of the bonds they hold are designated “Highest Quality” (Class 1) or “High Quality” (Class 2) by the National Association of Insurance Commissioners (NAIC).

Guarantee Trust Life Insurance is a mutual legal reserve company located in Glenview, IL, licensed to conduct business in 49 states and the District of Columbia.

*Guarantee Trust Life Insurance Company, Annual Statements 2015-2016

Membership Eligibility

• Between the ages of eighteen (18) and seventy (70)
• Reside in an available state
• Dependent children must be under age twenty-six (26)

Not Available in AK, HI, ID, ME, MD, MN, MO, MT, NV, NH, NY, NC, OR, SD, UT, WA.

Health Care Discounts Disclosure

Not available in AK, OK, UT, VT, WA. If you move to one of those states, your discount medical benefits will terminate.

The discount medical, health, and drug benefits of this Plan (The Plan) are NOT insurance, a health insurance policy, a Medicare Prescription Drug Plan or a qualified health plan under the Affordable Care Act. The Plan provides discounts for certain medical services, pharmaceutical supplies, prescription drugs or medical equipment and supplies offered by providers who have agreed to participate in The Plan. The range of discounts for medical, pharmacy or ancillary services offered under The Plan will vary depending on the type of provider and products or services received. The Plan does not make and is prohibited from making members' payments to providers for products or services received under The Plan. The Plan member is required and obligated to pay for all discounted prescription drugs, medical and pharmaceutical supplies, services and equipment received under The Plan, but will receive a discount on certain identified medical, pharmaceutical supplies, prescription drugs, medical equipment and supplies from providers in The Plan. You may call (855) 351-7535 for more information or visit for a list of providers. The Plan will make available before purchase and upon request, a list of program providers and the providers’ city, state and specialty, located in the member’s service area. The fees for The Plan are specified in the membership agreement.

Note to MA consumers: The discount plan is not insurance coverage and does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00.


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