Golden Rule

This horrible scam of a company is expensive and covers nothing. Not check-ups, immunizations, emergencies, or basically anything that involves Health or Insurance. When you sign up they claim to provide all the necessary coverage for a family. I would have saved money paying out of pocket.

I was completely lied to when I signed up for their most expensive family plan wanting complete coverage for me, my husband and daughter. NOTHING was covered! My generic Rx were over $300! I got pregnant and nothing was covered! No wellness, no doctor's visits! Their customer service department is horrible! This company is a complete scam!

Worse "insurance" ever. Covers absolutely nothing. I'm a 1099 employee but had the option to buy (and self-pay) insurance through work, which I did for the last 3-4 years. It wasn't the greatest so when a (young/healthy) friend raved about Golden Rule (I guess they pay for birth control), I thought I'd give it a try. What a horrible mistake! I fear for my health until Oct/Nov when I can rejoin my old plan. Please, G-d, help me make it until then. :(

They didn't cover anything even after our deductible and coinsurance was met. Horrible experience, will never use Golden Rule ever again and will tell anyone it's not worth the money. Unless you just need insurance and never get sick but if you have any health problems please look elsewhere.

Never used in over 15 years kept raising my rates and my deductible. Finally got tired of it and looked around. Found a better policy end of November, contacted to cancel on Jan 1st when new policy started. Got a letter dated 12/9/21 that they cancelled my policy as of 12/5/21. Can't imagine if I ever used it if they would even pay anything based on the service I received.

Great insurance if you never use it! I was in a horrible motorcycle accident in August, come December they were no longer offering me insurance. I was in the early stages of rehabilitation and thanks to them not following through I am disabled for the rest of my life when I could’ve easily went back to work if they would have not dropped me when I needed them. This company showed me they only cared about the money and not my well being!!!

This company SUCKS! Their website is ALWAYS down. I can never check my information online. The pharmacy says my medical card can’t be used. Only they provide is a discount perk to use that lowers the cost. Ridiculous

I have had low back degenerative arthritic changes for years. The pain initially was manageable with NSAIDs. Eventually, I developed GERD from the long term NSAID usage and now am on ** as a result. I then had so much pain that I had difficulty sleeping and functioning normally in daily life. Just standing up straight was difficult for me. I have had MRI that verifies the disc degeneration L4-L5, L5-S1. With the NSAIDs now contraindicated, my pain management physician at Cleveland Clinic administered bi-lateral Facet injections on both sides of both joints. The injections gave me great relief and restored a normal level of function for me. Golden Rule has been my health insurance through the entire time. They covered the procedures for me 4 different times over a 4 year period.

I didn’t even get approved before I asked to withdraw my application. I was on the phone for over an hour being transferred back and forth to just CHECK my application status. This is a joke. Like. What a total joke, get it together.

I paid $200 dollars a month and learned after going in for a simple check up that they do not cover wellness exams so I now owe my doctor $400 for a single visit. What was I paying $200/month for?? Not even the very basics.