Any green frog that overwinters out of water will die. Any green frog that overwinters in water that freezes solid into the frog will die. Any green frog that overwinters in a pond that freezes over at the top (but not the bottom) for more than a few days will die. I have found plenty of dead green frogs for those three examples (and never any survivors under those conditions). Overwintering undewater aquatic frogs need oxygen in the bottom of the pond. In my 1800 gallon pond, they just lay on the liner or pea gravel or under a few leaves. In my 153 gallon pond, they just lay in the bottom, and I pump down oxygen via a Luft pump. Before I put that air stone in, any frogs in the bottom died from lack of oxygen (this pond is deep but narrow and had a de-icer too). This information also holds for bullfrogs and pickerel frogs which also hibernate under the water. Tree frogs, wood frogs, leopard frogs, and others do hibernate OUT of the water, amongst leaves, bark, etc.
Have you read this section on my site all about overwintering frogs:
http://fishpondinfo.com/frog3.htm#helpThe experts say that aquatic frogs that overwinter under water have to have dirt, sand, leaves, etc. to bury under. My 1800 gallon pond has pots with plants that have dirt and pea gravel as well as PVC pipes, pots, etc. I remove lots of leaves but always miss a few. The green frogs, pickerel frogs, and bullfrogs during the winter I often see just laying on top of the bare liner but sometimes under a leaf or two. They seem to have no desire to either bury themselves or remain hidden from view. This is again contrary to what I have read. This is how my frogs behave. In my 153 gallon pond which has the most frogs, they all just pile together in the bottom on top of each other. It's deep and narrow enough that you can't see down there (too dark) but I clean that pond in late winter and find them down there among about a bucket's worth of debris (leaves, dead earthworms, sludge). If you clean your pond in the spring and not fall, then there should be plenty of things down there to hide among but certainly don't let the pond get too filthy and remove most of the leaves.
Since sand is just going to make a mess, I wouldn't bother with it. Certainly don't add sand that would alter the water chemistry in a negative way for the inhabitants. Adding a handful of leaves is not going to do much harm to the pond and in fact will provide hiding places (and a little something to nibble for bugs) for a number of aquatic animals over winter.
Green frogs can't overwinter in mulch but it can be home to many terrestrial animals. I dug up some snake eggs in my mulch pile a few weeks ago.