Golden Rule

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.

I paid $200 for health insurance so when I went in to see the doctor 3 weeks later they told me I had to wait 6 months to be seen so I called to cancel that same day. Someone told me I would be fully refunded so after a week I didn't review anything I called them and they said they wouldn't refund it. Only $8 bucks would be refunded so I asked where my $200 was since they hadn't even done anything to take my money but I was given the runaround. They are thieves. Do not pay into these scammers.

I purchased a plan for 2020 to supplement or cover the the deductible of my primary health plan. I was concerned when no copy of the policy could be provided. No ID card. Only a phone number. Unfortunately in April I was diagnosed with a hernia brought on by heavy work I had done in Feb. and March. For 3 months of repeated phone calls, and sending copies of bills and medical records multiple times I got a different person on the phone and a different story each time. Yesterday I was informed that my hernia was not an "accident" therefore not covered. Clearly they think I intentionally got a hernia. I suggest that the customer service process is atrocious as is the decision making. There is no way to speak or contact anyone with authority. But they took my premium every month. I do not recommend purchasing anything from this company. I suggest that anyone who sells policies from this company reconsider on a moral honesty basis.

I recently went in for a colonoscopy, which required a follow up CT scan and bloodwork. While at the hospital, I was told my insurance had been canceled and would not cover anything done that day. I had to go ahead and get the tests done. When I got home I looked at my bank statement and the premium from Golden Rule had been taken out the previous week, so I called and they said my coverage was active. When I told them the hospital confirmed it wasn't he said he didn't know what to tell me. So I'm left hanging. Someone is lying or too lazy to look into the problem. This company charges me and arm and leg each month and doesn't hardly cover anything anyway. Now I am diagnosed with a condition that will prevent me from finding another company who will take me.

Since the Coronavirus Pandemic has started Golden Rule Insurance has been charging my credit card for my insurance premium. The plan I have is a basic plan, which covers cleaning, cavities, and little else. I called and spoke to a customer representative and was informed either I keep paying my monthly premium, or cancel it. She gave me an option of freezing my account for 60 days, but when reactivated I'd have to pay the previous 2 months and the current month. Basically I'm being told, "Continue paying your monthly premium," EVEN KNOW I CANNOT USE THE INSURANCE BECAUSE DENTIST OFFICE ARE CLOSED!!

Don’t waste your money, this insurance won’t cover anything even if your policy is a full coverage. In April 2019 I was hospitalized and had a surgery. They have only paid my medical pill $436 and left me with 19k to pay out of my pocket to the hospital. To this day they been saying there was a mistake. It is the other way around. "You're suppose to $436 and we pay the rest." Oh well insurance don’t want to pay. Anything you see on their website is just total scam. Just canceled. They don’t provide you with confirmation number, still to this day pull money of my account. 4 months a row and I’m struggling with this cancellation. Called customer service and they come at me that’s my policy is canceled and there is nothing they can do and I should just contact the bank. This is very frustrating.