Help Cover Medicare Advantage Copays with AdvantageGuard

Medicare Advantage plans can offer great coverage with extra benefits, but they often come with high out-of-pocket costs — especially for hospital stays, outpatient surgeries, and skilled nursing care. For many seniors, those costs add up quickly, creating financial stress during an already difficult time — especially for those on a fixed income who don’t have extra savings set aside for large medical bills. The good news? You can add an extra layer of protection with the AdvantageGuard hospital indemnity plan.

This plan is guaranteed issue, meaning there are no health questions and no underwriting — everyone aged 60 to 90 is eligible. Once enrolled, your monthly premium will never increase due to age or health changes, as long as you continue to pay. It’s simple, stable coverage designed with seniors in mind.

What AdvantageGuard Covers

AdvantageGuard pays cash benefits directly to you, not to the hospital, so you can use the money however you need — whether it’s for medical bills, groceries, travel, or even a hotel stay for a spouse.

Here are the maximum guaranteed-issue benefit amounts:

• $400 per day for hospital stays (up to 10 days per event)

• $500 per day for outpatient surgery (up to 2 days per year)

• $200 per day for skilled nursing care (days 1–100)

• $300 per ambulance trip (up to 4 trips per year)

• $200 per ER visit (up to 4 visits per year)

• $500 for major diagnostic exams (like MRI, CT scan up to 2 per year)

• $300 for outpatient prescription drugs (up to 6 benefits per year)

• $5,000 lump sum for first cancer diagnosis

If these amounts are more than you need, no problem — your local agent can customize the benefits to match your budget.

Why Seniors Go to the Hospital — and How This Plan Helps

According to the CDC, the most common reasons seniors are hospitalized include heart conditions, pneumonia, hip fractures, and complications from diabetes or COPD. Surgeries like joint replacements and cardiac procedures are also common — and expensive.

Medicare Advantage plans usually have daily copays for hospital and skilled nursing facility stays, and those costs can total thousands of dollars. AdvantageGuard fills those gaps so you don’t have to drain your savings or rely on family members during recovery.

A Smart Add-On for Peace of Mind

If you’ve already chosen a Medicare Advantage plan, AdvantageGuard is a smart way to protect yourself from the high copays that can come with it. It’s affordable, easy to qualify for, and pays cash quickly when you need it most.

Talk to a local agent at Utah Avenue Insurance to see how AdvantageGuard can fit into your Medicare strategy. You can also get a quote emailed to you or view plan options online at utahavenue.com

Better coverage starts here.