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Golden Rule Insurance Company Golden Rule Insurance Company has been serving Americans for more than 60 years with distinction. A renowned provider of health insurance for individuals, life insurance, and annuities, Golden Rule in 2003, became a proud member of the UnitedHealth Group family of businesses. UnitedHealth Group serves nearly 55 million individuals throughout the United States with products and services designed to help people achieve better health. The company has already made a name for itself for excellent services – it is known to pay about 95% of all health claims within 10 working days or less. Its financial strength and stability can be gauged from the ratings it has received from leading insurance analysts. While Standard & Poor gave it an A+ rating, A.M. Best followed suit with an A or Excellent rating. Ward Financial Group regularly ranks Golden Rule among the 50 top-performing life and health companies. Known as an innovator of inexpensive but quality health products, the company can claim credit for pioneering Medical Savings Accounts in 1993. Now known as Health Savings Accounts (HSAs), these health plans combine lower-cost, high deductible health insurance with a tax-advantaged savings account. Golden Rule offers individuals and families a wide range of coverage at affordable prices in many states. The company offers members three flexible health care plans. Its Health Savings Account (HSA) plans is an excellent combination of network discounts, tax advantaged savings account, and a low cost/ high deductible health insurance plan. The High Deductible Plans may be a great choice for people keen on lower premiums and higher responsibility for payment of health care costs. Co-pay Plans are likely to be suitable for those who would like to enjoy the convenience offered by the co-pay feature. The company also offers Saver Plans. These versions of its HSA, high deductible and co-pay plans provide more limited benefits in lieu of lower premiums. These plans may suit those who need coverage for the bigger expenses instead of for routine health care. You can also combine these Saver Plans with the company’s Optional Preventive Care Benefits Package. As this add-on is not available for each and every product, you should ask for more information to find out if this option is available for your requirements. Golden rule also offers Short Term MedicalSM and Medicare Supplement Insurance Plans. Short Term MedicalSM can “bridge the gaps†in health insurance coverage provided, a) you lose coverage through recent job or life changes; b) you are a student or graduate no longer eligible for coverage under your parents’ plan; c) you are a seasonal worker; and d) you are a retired person waiting for Medicare eligibility. With Golden Rule, you can select among a range of deductibles, payment options, and length of coverage that best suits your requirements. Furthermore, you get access to a wide choice of physicians and health care facilities. With a Golden Rule insurance plan, you have access to the UnitedHealthcare Choice Plus network. Physicians, hospitals, and other health care providers belonging to UnitedHealthcare Choice Plus Network will provide you quality care at reduced costs. This national network of health care professionals and facilities ensure that you receive substantial discounts on medical services. |
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