About HD SureGuard
Many Americans are facing higher out-of-pocket costs due to growing deductibles, greater coinsurance shares and larger copays. The HD SureGuard membership can help diminish the impact of a high deductible plan by offsetting some of the out-of-pocket exposure individuals experience as the result of an unexpected event.
Click Each Tab Below to Learn More About HD SureGuard
Health Care Discounts
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.
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.
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.
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.
Value Added Benefits
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:
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.
At home or abroad, the entire suite of AirMed medical transport benefits is available to Health Depot members on select membership levels 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.
|GROUP ACCIDENT ONLY INSURANCE
Underwritten by Guarantee Trust Life Insurance Company (GTL), Glenview, IL
Policy Form Series MP-1400 (or MP-1300) issued to Health Depot Association
|Hospital Indemnity Benefit|
|Benefit Amount per Day||$200|
|Maximum Benefit Period per Hospital Stay per Covered Accident||30 days|
|Accident Medical Expense Benefit (AME)1|
|Accident Medical Expense Limit||$6,500|
|Deductible per Covered Accident||$250|
|Initial Treatment Period||60 Days|
|Benefit Period||12 Months|
|Hospital room and board, and general nursing care, up to the semiprivate room rate||up to $6,500|
|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 $6,500|
|Doctor's fees for surgery||up to $6,500|
|Anesthesia services||up to $6,500|
|Doctor's visits, inpatient and outpatient, each visit||$75|
|Hospital Emergency care||$500|
|X-ray and other diagnostic tests||$250|
|Durable Medical Equipment||$100|
|Dental treatment for Injury to Sound Natural Teeth||$250 per tooth up to a maximum of $500|
|Physical Therapy||$60 for first visit; $30 for each visit thereafter|
|Registered Nurse expense||up to $6,500|
|Accidental Death & Dismemberment Benefit (AD&D)2|
|Accident Medical Expense Limit||$10,000|
|Schedule of Benefits|
|Loss of Life||100%|
|Loss of Both Hands|
|Loss of Both Feet|
|Loss of the Entire Sight of Both Eyes|
|Loss of One Hand and One Foot|
|Loss of Speech and Hearing (in both ears)|
|Loss of One Hand or One Foot and Entire Sight of One Eye|
|Loss of One Hand or One Foot||50%|
|Loss of Entire Sight of One Eye|
|Loss of Speech or Hearing (in both ears)|
|Loss of Hearing in One Ear||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.
|GROUP ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE
>Underwritten by Unified Life Insurance Company
>Group Policy issued to Health Depot Association
|Critical Illness Insurance First Occurrence Lump Sum Benefit|
|Pays a benefit for any Covered Person upon the First Ever Diagnosis by a Physician of one of the following covered conditions or procedures:|
|Maximum Benefit per Insured per Membership Year||$7,500|
|Invasive Cancer3 (diagnosis more than 30 days after the Certificate Effective Date)||100%|
|Invasive Cancer3 (diagnosis within the first 30 days after the Certificate Effective Date)||10%|
|End-Stage Renal Failure||100%|
|Major Organ Transplant||100%|
|Cancer In Situ - (diagnosis more than 30 days after the Certificate Effective Date)||25%|
|Cancer In Situ - (diagnosis within the first 30 days after the Certificate Effective Date)||2.5%|
|Accidental Death & Dismemberment Benefit (AD&D)|
|Pays benefit amount shown if a Covered Person is injured as the result of a Covered Accident, and dies, or loss occurs, within 365 days after the Covered Accident. Only one amount, the largest benefit amount to which the Covered Person is entitled, will be paid for all losses resulting from one Accident. If the Primary Insured’s death occurs while riding as a fare-paying passenger in a Common Carrier, the Common Carrier Benefit will be payable. There is no Common Carrier Benefit for dependents.|
|Accidental Death & Dismemberment Benefit Principal Sum for Primary Insured||$7,500|
|Common Carrier Accidental Death & Dismemberment Benefit (Primary Insured Only)||200%|
|AD&D Benefit for Covered Dependents||Percentage of Primary Insured's Principal Sum|
|Accidental Death & Dismemberment Benefit for Spouse (no children)||50%|
|Accidental Death & Dismemberment Benefit for Spouse (with children)||40%|
|Accidental Death & Dismemberment Benefit for Child(ren) (with Spouse)||10%|
|Accidental Death & Dismemberment Benefit for Child(ren) (no Spouse)||15%|
|Type of Loss||Principal Sum for Primary Insured4|
|Loss of Life||$7,500|
|Loss of Both Hands or Both Feet|
|Loss of Sight of Both Eyes|
|Loss of One Hand and One Foot|
|Loss of One Hand and the Sight of One Eye|
|Loss of One Foot and the Sight of One Eye|
|Loss of One Hand or One Foot||$3,750|
|Loss of Sight of One Eye|
3 For CA First Occurrence of Invasive Cancer pays at 100% regardless if identified more than 30 or within 30 days of the Certificate date.
4 Covered Spouse and Covered Dependent children receive a percentage of the Primary Insured’s Principal Sum, as listed in the table above.
|SureGuard Monthly Membership Rates|
|Member + Spouse||$109|
|Member + Child(ren)||$89|
|Member + Family||$139|
FAQ / About the Carrier
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 enjoyed by our 83 year old company. In 2018, GTL posted record operating gains while growing surplus by 17 percent, assets by 7 percent, reserves by 7 percent and achieving net premium of $230 million.
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.
Unified Life Insurance Company
Unified Life Insurance Company is a stock life insurance company with over thirty years of experience in the fields of life, health and annuity insurance and reinsurance.
First incorporated in Texas in 1986, Unified Life has been providing valuable coverage and protection to consumers for over three decades, boasting stability and a positive financial outlook (B++) from industry rating firm AM Best.
From the beginning, Unified Life has focused on community service as a guiding principle. They believe in a responsibility to give back to their neighbors and to foster support for a variety of causes.
The mission of Unified Life is keeping promises that have been made to policyholders. They do this by being fair, equitable and efficient and striving for the highest level of integrity. Unified Life wants to be there for policyholders when needed most. Because it’s better when you’re Unified.
- Between the ages of eighteen (18) and sixty-four (64); up to seventy (70) for AME/AD&D only
- Reside in an available state
- Dependent children must be under age twenty-six (26)
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 members.healthdepotassociation.com 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.