Golden Rule

Golden Rule, offered through UnitedHealthcare Company, is a terrible plan. They cover almost nothing and they make it extremely difficult to purchase a plan. Additionally, they will not let you rollover your plan. DO NOT BUY THROUGH GOLDEN RULE!

I had them and I was diagnosed with diabetes and they dropped me. They don't buy for hardly anything. My diabetes test struts they would only pay for two dollars of it. This is the biggest joke since Obamacare.

I bought this insurance In September. Thought it was good according to salesman. What a joke. Had skin cancer surgery in January and they paid 800 out of over 11000. Called them. They said with my plan that's what they pay. Thanks for screwing me Golden Rule.

The great thing about having a policy with a large network is the contracted rates you get on all covered services. We've experienced discounts of up to 75% and 80% with United Healthcare. However, UnitedHealthOne (underwritten by Golden Rule) is nothing like United Healthcare. The discounted rates on covered services are minimal, maybe 10% to 15% overall. Then, since it's an indemnity plan, they're only paying out a pre-set amount per claim, which is typically just a fraction of the bill you'll receive from the provider. Don't fall prey to the attraction of low premiums. You'll be sorry when the enormous medical bills come rolling in. PS - They don't send you EOBs unless you request them, and then they have the audacity to charge you $25 after the first 10.

James installed our furnace & air conditioner. He is a very hard worker & does the job right. He is friendly, courteous & helpful. He help us with programming details and any other concerns we had. Even after the job is done he still will help with question etc. Would recommend him & Golden Rule to others.

Had Golden Rule for a secondary insurance. It was a minimal plan. I filed a claim for an office visit. Only claiming a 100.00 and the red tape was awful. I gave them statement detailed and talked with them on the phone and they said they needed info on my wife. I sent that. And on and on. I only had the policy for about a year. Paid 4000.00. All I wanted was a lousy 100.00 which they said the plan paid once a year. Golden Rule is a joke, rip off, scam co.

This company is absolutely horrible, it takes at least 30 minutes to get anyone on the phone. I hate them so badly and resent that this FOR PROFIT company is providing customers with such terrible service. MAYBE PAY YOUR C_SUITE LESS AND HIRE MORE CALL REPS. Absolutely useless.

I explained that I needed short term ins. including drug coverage. Agent went over my meds. Said, "YES, you are all covered." I asked again to make sure! NP! Then when it came time to use, IT IS A DISCOUNT CARD! Doesn’t cover a thing. Couldn’t cancel the vision. Have to keep for 1 year! And not use. Horrible company. I’m still shocked. They have treated me and others this way. I sure wish I would have seen these complaints prior!!

Do your due diligence and ask the right questions. Primrose failed to mention we couldn’t use our plan for six months and when I tried reaching back out to her numerous times via phone and email, she refused to get back to me. I simply wanted answers. I guess my first red flag should have been when I requested policy literature and never received it (mailed to the wrong address of course).

Signed up on August 22, paid my premium and set up automatic payments for a three month plan. I had to get some testing done on September 9. I was contacted January 12. They told me they were not covering anything and my plan Is null and void. Then I received close to $14,000 in bills from the hospital that I have to come out of pocket and pay for. Healthcare is a joke. I’m going to expire naturally. I had a good run. Signed dead man walking.

I have been on hold for 1:47:19 waiting to speak to a representative so I can add my son to our dental plan. There is still no end in sight! I’m feeling panicked now as, at some point, I’m going to have to go on with my life. This seems excessive! And I feel helpless because I need help today. Now it’s 1:49:41.

I purchased Golden Rule medical insurance after losing my job. This is the 4th medical insurance I've purchased in 2018. I was promised full coverage with pharmacy, dental & vision coverage. One medication cost me $400. For a 3 month supply, & other prescriptions were not covered at all. I avoided going to any dr., because I knew nothing would be paid for. On Jan. 3, 2019, I began the process of trying to cancel this insurance, after securing insurance through the marketplace. What a nightmare: I was redirected to other phone numbers & placed on hold for hours, & spent days on my mission to cancel coverage. As of 1/7/2019, I am still uncertain whether they canceled this plan. I "have" to continue the vision plan for 1 year according to the "fine print" in the contract. Very negative experience with Golden Rule insurance.

4 days AFTER the open enrollment period ended, Golden Rule sent notice of a rate hike. After looking at the other reviews here, I realize I have experienced a lot of the same things: denial of coverage despite premium being withdrawn, no RX plan, extremely long telephone wait to talk to a customer service rep, and not being able to access online account due to faulty ID or other reasons.

They changed the TERM DATE. Didn't even give me a reason why they cancel me. All I did was visit the Gyn/OB doctor on Tuesday 11/27/2018. I called the customer service... she said my insurance is still good. And I can use it until December the 1st. I even printed out the Medical Coverage Summary. The term date was 12/31/2018. Now they changed to 11/01/2018. I emailed them, if I get a medical bill that stated that they didn't pay anything... I will sue them. I am so glad I printed out the Medical Coverage Summary off the internet... I will show the Judge this paper. And I also copied the conversation from TTY Relay between me and the customer service.

This company is listed as one of the MANY subsidiaries of United Health Care. When signing up for health coverage, the online process is very similar to the one for obtaining marketplace insurance so things appear legitimate. A letter is promptly mailed with just an insurance card and no prescription card, yet the plan offers prescription coverage (Red Flag). When calling the customer service line, an automated prompt reads off the information that would be on your prescription card (if you had actually received it), but when you bring that information to the pharmacy, the RxBin number is invalid (Red Flag). When calling to "enroll" for coverage, someone answers the line immediately. When a doctor's office calls to verify coverage, all they ask for is your date of birth and they proceed to state your member ID number and when your coverage is good until (but you must wait 30+ minutes to speak to someone) (Red Flag).

Golden Rule, a unit of United Healthcare, has no trouble taking your money for their short-term health insurance. I was between jobs, recently laid off. I could not afford COBRA, so I went with a short term policy. Unfortunately, I was admitted to the hospital for four days due to a critical illness. My credit card was charged 5 days before the policy start date. Unfortunately, there is a 5-6 day hold on the policy which Golden Rule does not tell you. You have accident insurance on the first day of coverage, but don't have health insurance until the sixth day.

I've been on hold for more than an hour, and I made sure to call at 1 PM MST, as to avoid all the East Coast calls after 5 PM. This did not prove helpful. It's funny how they answer on the first ring when you try to sign up. They sent me the entire wrong packet with another person's personal info including the entire family's info and SSNs... then refuse to answer when I try to cancel. I wish I could have given zero stars.

They were suppose to cancel my vision plan in February of 2018 after I told them to cancel my dental, medical, and vision plans in October 2017. They canceled two and told me the other would be canceled in February 2018. They continued to bill me and didn't cancel the plan at all until I called again this morning. Avoid them at all costs and go with a company that actually knows what they're doing. Their plans were horrendous anyway. If you want something affordable and good service, you won't find it at Golden Rule/United HealthOne.

They overcharged me $1,498.60. They charge after benefit ends. It is impossible to reach anyone on the phone and solve this. I was on hold yesterday for 40 min. and had to disconnect. Today I am trying again and was on hold for 30 min. after listening whole lecture and choosing half a dozen times and not sure at all I can get my money back. They are thieves - as simple as that. This is scam. I wish I knew that before applying for coverage. Please read reviews and don't make my mistake.

I wanted to buy a good and reasonable insurance for myself when I came across this insurance company. I called them and a lady answered the phone, she will probably be in her early sixties. She was so nice and ask me a lot of questions which I answered politely. When I ask her questions about the insurance especially the package of the insurance that I am paying for, I ask if the insurance will cover doctor's visit and if I can have access to doctor's office in my area, she said yes I will access doctors.

I enrolled in gap benefits for three months, and was only supposed to be charged three times. I was charged twice in one month, again the next month, and again, a month after my benefits had ended. I will be calling until that money is back in my account, and never again will I make the mistake of enrolling in insurance with this Ponzi Scheme.

This was the worst insurance company I have ever encountered. First they said it was UnitedHealthOne when it was actually some weird insurance called Golden Rule. They told me my plans would end on 12/30/18 and then they kept taking money out. They never sent me my 1095. I could never get in touch with anyone on the phone. In order to end my insurance on the time designated I had to file an appeal by fax. Did I mention that my login never worked and that they never sent my 1095. Run as fast as you can from this company, they are the worst!

Horrible insurance. You have to pay out of pocket for any doctors visits, your deductible is 5000 which is ridiculous and the prescription rx prices are horrible. It's also not part of the Affordable Care Act and cannot be deducted on your write offs. If you decide to get this lousy insurance, make sure you DO NOT get short term, get long term. Why? Because if your blood sugar comes up a little high ONE TIME, which happens to a lot of people every blue moon, they will drop you for a pre-diabetes diagnosis which we all know pre-diabetes is a joke. The blood test after my slightly high sugar blood test results came back PERFECT and that doesn't matter to them. You cannot appeal. Well, I did but it was a waste of time for me and my doctors office.

Not sure why anyone would go with these guys. Their robot calls day and night and I've never had insurance through them. So the fact that they buy people's information so that they can solicit business tells you how great of a company they are. Just hope they don't get your phone number...

Look I don't know much about the actual health care here, it's the insurance I have always had since my parents set me up on it, but I generally seem to have to pay out of pocket for everything. These guys don't like to cover anything it seems. My biggest issue is their phone lines. I have been on many 1(800) automated systems in my life, they are annoying, some are a runaround, but THIS ONE takes the cake, I cannot express to you how impossible it was to get a live person to talk to.

I used Golden Rule insurance as a short-term option until my company gave me medical insurance. I only used them for a month as not to have a lapse in insurance coverage. I noticed that I had not received a 1095-C from them at tax time to prove that I was covered. When I called the company I was told by two rude woman that I was not entitled to this because the coverage that I had did not fulfill what the government requires. Excuse me? I paid almost 300.00 to be covered for the month and now I'm being told I didn't have enough coverage? This is a scam considering the website claims that this is the reason for taking short term coverage.(Bridge gaps in times of transition to avoid penalty). I am in the process of filing a report with the BBB and other agencies to look into this deceitful company.

I have never written a review about a company before but felt an overwhelming need to let other consumers know about the terrible service I have received from Golden Rule Insurance Company. As you may have read from all the other reviews regarding Golden Rule, they do not pay any of their claims citing "pre-existing conditions" as the reason for their denial. I submitted a claim after a hospitalization and after more than 6 months of reviewing my past medical records, they have denied my claim as a pre-existing condition.

They do not cover anything! Even if it says it is in the network. Will not cover. Call them too saying it was all mistakes but they are not doing anything. Even a simple doctor visit they will not cover. Wish I could report them even more because they stole 3 months of my money! DO NOT USE AT ANY COST!

Don't do it--it's a waste of money. They deny everything and choke them up to pre-existing??? Nothing gets covered and all they do is take money for nothing.

I thought I was saving money by having a plan without mental health coverage. I had a blood test for a suspected genetic defect (which was positive) and a panel of bloodwork relevant to this condition. With my physician I have often talked about low energy and depression. But, it seems that Golden Rule feels like sticking a needle in your arm and drawing blood counts as mental health. I could see this if maybe I was being tested for mood stabilizer levels or the blood test was for antidepressant responsiveness, but it was not. What a scam.