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Golden Rule Health Insurance Company

The Golden Rule Health Insurance Company is a major provider of individual health insurance that stresses quality over quantity.  They are rated A by A.M. Best and A+ by Strong and Poor’s independent ratings organizations. 

Golden Rule Health Insurance Company focuses on affordable, quality health insurance and pioneered the very first Health Savings Accounts in the country.  Golden Rule Health Insurance Company offers significant values and advantages to its users one of which is that it is a wholly owned subsidiary of the United Health Group (United Healthcare) so Golden Rule customers have access to the nationwide United Healthcare network.

When you are finished reading the Golden Rule Health Insurance Company review then use our free quote shopping service to compare rate quotes from the best health insurance companies offering coverage in your home zip code.

Values Of The Golden Rule Health Insurance Company

The Golden Rule Health Insurance Company lives by 5 “Golden Rules.”  These are:

  1. To respect and value all people with all points of view.  The company likes to treat their customers with the utmost respect.

  2. Business honesty is very important to creating a lasting and stable company.  The Golden Rule Health Insurance Company wants to hear what you have to say, even if it is bad.  The only way to grow as a company is to take in all viewpoints.

  3. They strive to deliver solutions that are practical to the health and well-being of all individuals. 

  4. The Golden Rule Health Insurance Company also strives to communicate all of their objectives to their customers as clearly and concisely as possible in order to be better able to measure their short term and long term goals.

  5. They are also constantly working toward exceeding the highest expectations of anyone in contact with the company. 

These 5 “Golden Rules” set the Golden Rule Health Insurance Company apart from its peers because they are direct and forthcoming with all of their information.  They also have a guarantee to any of their customers: They guarantee to process 94% or more of all claims in 10 days or less. 

Golden Rule Health Insurance Plans

The Golden Rule Health Insurance Company provides a variety of options for individuals and families to choose from and they offer them in several different states.

Health Savings Account (HSA) Plans:  Health Savings Account Plans by the Golden Rule Health Insurance Company are great ways for individuals and families to save money by taking control of their health insurance by combining a high deductible health insurance plan with a health savings account.  The benefits of a Health Savings account provided by Golden Rule Health Insurance Company include: comprehensive medical coverage; tax free contributions, withdraws, and interest earnings; a debit card for medical and pharmacy expenses; and one deductible per calendar year.  This particular plan can earn up to 4% interest. Some of the HSA plans available include the HSA 100 and the HSA Saver.

High Deductible Plans:  High deductible plans are perfect for those willing to pay more out of pocket expenses before health insurance kicks in.  You get the same quality of health care for a cheaper price, but you have to pay more out of pocket if you need medical care. Some of the product names include the Plan 100 and the Saver 100.

Co-Pay Plans: Co-pay plans provided by Golden Rule Health Insurance Company are designed to provide individuals and families the opportunity for great health benefits with a co-pay. Some of the copay plans available include the Copay Plus and the Copay Saver.

Short Term Benefits: Golden Rule Health Insurance Company also provides short term medical benefits for those who are “in between.”  If you’ve lost your medical coverage due to a job loss, because you’re no longer covered by a parent’s plan, a seasonal worker, or an early retiree without Medicare, the short term benefits will more than likely help bridge the gap between long term health insurance plans. 

Medicare Supplement Plans:  Golden Rule Health Insurance Company understands that Medicare was never designed to pay for 100% of health care expenses.  It is only a part of what you may need.  So, they’ve provided 4 different plans that can help you round out your health insurance coverage.  The plan you choose is guaranteed to be renewable, as long as the premiums are paid on time.  However, premiums are determined by age so they may change as your age increases.  Also, your premiums may also change if you move to a different zip code or if you use tobacco products.  Other than that, your premiums will never change.  Keep in mind that the Medicare Supplement Plan isn’t offered in every state. Golden Rule Health Insurance Company also guarantees that if you aren’t satisfied with your plan within 30 days, you can return your policy and receive a full refund.

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