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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 â€“ 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 companyâ€™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 â€œbridge
the gapsâ€ 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 parentsâ€™ 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
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.