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HD CareGuard

Start coverage as early as April, 22

About HD CareGuard

Accidents happen when you least expect it – and when they do, they’re often followed by an onslaught of medical bills. If you were in the hospital for a few weeks or more, would you be able to cover the expenses that your insurance does not, such as deductibles, coinsurance and copays? The HD CareGuard membership is available to Health Depot members and can help you pay for the out-of-pocket costs that are not fully covered by your primary insurance, so you 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.

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.

Diabetic Supplies

Diabetic Supplies

Through this program, you can get your diabetic testing supplies shipped directly to your door each month at a savings of up to 50% less than the retail drug store prices, including glucose meter, ultra-thin lancets, test strips and carrying case! Monthly fees are based on the number of testing times per day and the supplies will meet your monthly need. There are no health restrictions and no limit on the number of times a year you can use this service.

Not available in AL, IL, 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.

Insured Benefits

Group Accident Insurance Plans

Underwritten by Catlin Insurance Company, Inc.

Benefit DescriptionLevel 1Level 2
Hospital Cash1
Benefit Amount$1,000$1,000
Maximum Benefit Period per Hospital Stay per Covered Accident30 days30 days
Accident Medical Expense Insurance (Excludes Pre-Existing Conditions as defined in the Certificate)1
Accident Medical Expense Limit$2,500$5,000
Deductible per Accident$250$250
Accidental Death & Dismemberment Insurance2
Principal Sum - Member, Spouse, Child(ren)$25,000$25,000
Schedule of Covered Losses
Covered LossBenefit
Two or More Hands or Feet
Sight of Both Eye
Speech and Hearing (in both ears)
One Hand or Foot50%50%
Sight in One Eye
Severance and Reattachment of One Hand or Foot
Hearing (in both ears)
Thumb and Index Finger of the Same Hand25%25%
All Four Fingers of the Same Hand
All the Toes of the Same Foot20%20%


Other Information

Monthly Rates

HD CareGuard Monthly Membership Rates
Level 1Level 2
Member + 1$79$99
Member + Family$119$145
One-time $25 enrollment fee applies. Fee is waived when CareGuard is added to an active Health Depot membership.

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



N/A in AK, CO, CT, HI, ID, LA, ME, MD, MA, MN, MO, MT, NV, NH, NY, NC, OR, SD, TX, UT, VT, WA.
This insurance is not available to any resident of the State of Utah.

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