Golden Rule Reviews

United Healthcare Golden Rule insurance destroyed the quality of my life. This insurance carrier canceled my coverage day after major surgery for stage 4 adenocarcinoma. The company claimed I did not disclose underlying history of cancer which was against their policy. Their customer service team required extensive documentation of all medical visits and need of specialized testing. They took forever to finally pay something to my medical providers after years of medical claims being denied. I was forced to drive 2 3/4 hr weekly to obtain post operative treatment and my health deteriorated immensely. The out of pocket expenses I had to pay after my surgery has sent me from financial stability to severe financial hardship. I don’t recommend this insurance company to anyone.

I called on 4/20/26 to cancel my insurance with Golden Rule and I was told it was done and I would receive a letter in the mail stating my final date of coverage. 5 days passed and I got no letter so I called back. Why do they then tell me that they don't show that I cancelled my insurance with them. Now I have to pay this elevated monthly fee for this crap insurance. Every year they raise my rates a ridiculous amount. DO NOT DO BUSINESS WITH THIS COMPANY. They make it very hard to cancel and move on.

Terrible customer service. Nobody really help solve the problem online or over the phone. They just keep put you on different lines, and on hold. I had called, emailed, asked help from their website, but they never provided help. I just called 5 minutes ago, customer service put me in different line and another lady answered the phone, then she put me on hold, then phone disconnected again. This situation happened again and again, I'm even can cancel my insurance online. This is extremely bad service. I'm really regretting that I got insurance from golden rule insurance/ united insurance.

I signed up 4/2023 for a 3 year Golden Rule plan that I was promised was the premiere of products for those of us who have to buy our own. Cut to 12/2025 when they started emailing me to reapply for another 3 yr plan. I called 12/20 and was told I couldn't reapply until 1/14 but after they reviewed my medical history they told me I'd be approved and they would call me 1/14 to apply. They didn't call at the appointment time so I called them and applied and was told that it would go through. 1/22 I gota letter dated 1/16 stating that I had been denied due to seeing my primary care doctor 10/2/2025 and him listing a f33.1 dx, no other treatment was given.

They cover NOTHING. They kept telling me my plan was cancelled, but kept charging me! I still haven't sorted this out. Their customer service rep hung up on me rather than do her job. DO NOT USE THEM!!!

You pay for coverage every month and then when you need it, it covers nothing and you pay basically everything out of pocket. I was in the hospital and found out that it’s basically a discount card, not insurance. I paid for years and now that I need it, I find out that I don’t have insurance.

I don't understand why you take people's money and not even 20% is covered. I'm stuck with a huge bill. And no help. It would have been better to have no insurance... I had to take out a care credit line just to be able to make monthly payments on my dental because 2900 is too much for a normal person to pay upfront and you don't even record the fact that I went in. You all just really are horrible and you're liars. You don't cover a cent. Shame on this company. You literally get paid to do nothing. Rich stay rich and the poor stay poor kind of world we live in. It makes me sick. Too bad. I'd rather keel over than get medical attention. No wonder I haven't been to the dentist in over 15 years. This is exactly why I don't trust insurance companies and I never will.

I am so over their dental care. First I been with them for 3 years on the dental. I had medical but for w months they charged me 300 dollars for a plan I didn't sign up for. They took 2 months paying me back. So now I'm getting my mouth worked on and I had to get another plan so it can cover my dental work. So here we are again with them taking two payments from me for 1 month. Then try to talk to somebody its a whole different story on why it's ok for them to overcharge me again. I'm done as soon as open enrollment comes around I will be done with this overcharging place for good. I would die before I get any plan from them again. And they say they the best ones. 🤪🤪🤪🤪

They are horrible!! Did not even cover my mammogram last year. I pay almost 675.00 (just went up), they said it is not you but other people's high cost.... GUESS what Not my problem!!! I have one more year until Medicare and I will put off everything I may need until then. WORST insurance ever

Purchased a supplemental dental plan from Golden Rule - total waste of money. First, EOB showed that they did not cover what we expected based on their summary of coverage. Next, reaching a customer service rep to explain the EOB was a huge waste of time. All phone numbers started with United Healthcare and useless automated assistant. Finally got a live rep who told us that our United plan didn’t cover those services (which is why we bought the additional Golden Rule plan). Then got transferred to Golden Rule, but rep explained that they did medical not dental. Then transferred to Golden Rule Dental, but got a billing person, not a claims person.