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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.
To make a long story short, they refused to pay any of the claims and waited until the last day of coverage to decline the claims. (It's a 90 day policy.) They said the hospitalization was related to a pre-existing condition. Anyway, I got stuck with all the bills at the uninsured cost. (40 times what UHC contract price is). I called the state insurance commissioner's office and they helped get them to reconsider the claims. The state insurance commissioner helped them to understand what they did was an unfair business practice.
They do not care about your circumstances and treat their customers who file a claim like garbage. I used my 401k money to pay this policy. They should be ashamed of themselves. I can understand why people get financially wiped out from health problems. It's worse when you think you have insurance and do not. When they do not pay the claims, the doctors and the hospitals treat you like dirt too.
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.
Few days after paying for the insurance I called their customer service to ask again if I can have access to doctor in my area. The lady that answered the phone said she would check for me and after few minutes she said that my coverage will not allow me to access any doctor. I ask her to terminate my contract with them and promised to give me a full refund. They already deducted about $95 from my account, When I received the refund check in my mail they only return $12.48. This company is a total scam, they will lie to you that you will have access to doctors and even tell you that you can terminate your agreement with them at anytime with full refund, only to take your money and never give a full refund. This people need to face the law with its full consequences.
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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.
For how awful the deductible and coverage is, their underwriting guidelines is one of the worst in the business. I'm healthier than the majority of people weighing in at 184 lbs at 5'11" with low cholesterol, sugar and perfect organ health and vitamin levels and was denied coverage when I went to get reinstated for another short term plan. God forbid somebody has type 2 diabetes, DON'T EVEN WASTE YOUR TIME APPLYING. Shame on you United Health for your narrow minded, terribly strict underwriting guidelines that has lousy coverage to go with it. It makes no sense.
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.
First it gives give you a LONG intro about how to properly enter your ID #, which you can't seem to skip. Next it READS THE ENTIRE # back to you. Press 1 to confirm. Now it reads you this LONG message about the IRS and a 1095 tax form, complete waste of my time. Next new menu press 1 - medical providers, 2 - current customers, 3 application status, 4 quotes, 5 insurance brokers, 6 prescription drug cards, 8 all other callers. Obviously I press 2. This gives me a long explanation of how to access information online, followed by another 90% identical tax speech.
The next menu contains information all out of order matching the #s... Press 4- to cancel policy, *- same as 6 from before, 1- premium billing options, 2- change social cc #, 3- questions about claim or how insurance works, 5- obtain a new ID card, 6- update name or address, 7 - update on privacy, 8- mailing press 9, 0- all other questions. I pressed 3 to find out more info about my insurance. Next is some other menu in a man's voice now about some total other garbage. Finally starts to rattle off basically the EXACT same options as the first 2 menus.
Next menu asks you to enter your birthday. I enter mine, and it tells my because I am over 18 information cannot be disclosed over the phone, like it thinks I am a medical provider even though I started this whole thing with being a current customer (press 2) it sends me back to enter in my member I'd # then birthday, SAME EXACT MESSAGE, you have to hang up.
Start over, menu choose option 8, instead of 2, takes you to 2 more menus that take you make to menu 1. Start over, try option 3, takes me to another male voice menu but finally it says I am on hold and gives a callback feature, FINALLY... something of this era. Lady calls back in less than 7 minutes, gets all my info again, and has to transfer me to another menu just like the first one, but slightly different, LISTEN CAREFULLY, WOULDN'T WANT TO START OVER AGAIN,
I finally get through to a real person in the right department. Seriously though I could have gone into much further detail about these menus, but I decided I wanted to waste less of my time half way through, This has been enough of a runaround to make me take my first step in looking for a new insurance company. Morons.
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.
Although I had never sought care for this ailment before and had been experiencing symptoms for only a week prior to my obtaining Golden Rule health insurance, they still cite in their policy that a prudent person would have sought care immediately and because I did not that qualifies as a pre-existing condition. Who goes to the doctor when experiencing symptoms for pain for a few days? Most "prudent" people take an over the counter pain reliever or use a heating pad to try a resolve what was thought of as a muscle strain. Unfortunately, I did not read through consumer reviews before purchasing this insurance and I do not want the same thing to happen to you!!! It is beyond my comprehension how this company can have an A rating with the BBB.
I am appealing their decision and plan to continue to fight my case as far as necessary and urge other in this situation to do so. Please tell all you friends, family and business associates to heed the reviews regarding Golden Rule as they are not the ramblings of a few angry people but an exact replica of what has been my experience with them. As other consumers have stated, they most certainly take your monthly premium but cover nothing. As a subsidiary of United Healthcare, I urge you to also boycott any business with United Healthcare too. Be warned, it is not worth it to join Golden Rule as they will not cover any claim you have no matter what the situation.
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.
Upon my first dispute, they called me and asked me to retract the dispute as the health records did not arrive and that they would reopen it as soon as they got the records. They never called or wrote. Hospital bills started coming in and I wrote the hospital to hold on as I was supposed to be in a dispute. I called the insurance company and they acted like everything was resolved. But, we went through the process again and I filled in the consent form for health information release and then within a couple of weeks they wrote that they closed it again as they did not have the information. It seemed pretty hasty. I got in touch with my physician's office and told them that it wasn't reaching them for some reason and I filled out more consent forms for the release of health information.
After time passed, they eventually acknowledged receiving the paperwork and they just denied it again. Meanwhile debt collectors are now calling me and even got my parents' number. What a disaster! I thought when a policy said that laboratory work was covered, they would cover laboratory work. The best decision I have made in a long time was to drop Golden Rule as soon as possible. Our healthcare and insurance systems are such a disaster in this country now.
My wife has Golden Rule Coverage. I am disabled and even though she works for a healthcare provider her position is outsourced without healthcare benefits.
Golden Rule has raised her rates three times in the last 3 years, now more than doubling the original premium. Her policy also has a $10000 deductible and now cost her $450 per month for a policy she hardly uses. The Obamacare mandate does not offer protection for the consumer. These companies can raise their rates with no data to justify the increase, just a letter to inform you of the rate hike.
The ceo of United Healthcare the parent company of Golden Rule profited 102 million and 66 million dollars in salary and compensation in 2 recent years. The ceo Stephen Hemsley has surely profited from Obamacare while the declining middle class struggles to make ends meet. Don't believe anything Hillary Clinton says for what has the Clintons done but reap huge monetary rewards from speeches they offer to these healthcare conglomerates. The mass media does not even cover these premium increases that affect so many as they seem to offer their time for the LGBT movement.
I have been with Golden Rule since 2005. I am finding the increase in premiums tough so I called up (45 minute wait) and asked to have deductible increased and premium reduced. This was Oct 2016. In December 2015 it was still the same so I called again. (53 min wait) I asked what happened to the change I requested. She said sorry, she could see where I had called and was not sure why nothing changed. She was very nice and promised to change it straight away. Jan 2016, the same thing only this time (1 hour and 12 Minutes wait) she apologized and thanked me for my patience and said she would immediately change it and stop any collections of premiums to make sure the change was done.
Today Feb 22nd, they still took to the original premium, online show my deductible is still the same?? I don't know what else to do. Do I call again and waste another hour of my time? Please help. I have no idea how to correct this unless I physically go to my bank and put a stop payment on this. Then I would have no insurance! How can they treat people like this? I am trying to do the right thing but lost with company that takes an hour to answer the phone and does nothing.
They dropped my dental insurance after 2 years of worst service ever and still take money out of my account for second month now.
This is just the worst group of scam artists online. When you cancel a policy what they don't tell you is that you might have secondary policy for something else that won't be canceled - and they will continue to charge you without your permission. Good luck trying to get someone on the phone or someone who can find your account. But if you stop the payment BAM you will get a non-payment letter in the mail the next day along with lots of additional fees for "Bank Funds". OH, the best part, they refuse to send digital copies of any cancellation letters... so things can get "lost in the mail" and there will be electronic trail. Just shameful. Don't make the mistake I did.
For the past two months I have been fighting the insurance for a specialty medication and have had no luck. This medicine is a necessity for me, otherwise I break out in abscesses. For the past two weeks now my doctor has notified me that my Humira injection syringe has been approved. When I call the pharmacy (OptumRx) they tell me I have been rejected. Then I try to call the insurance and no one answers. Every time I call the number on the back of the card it will take me through a couple automated questions then tell me "for unexpected circumstances we cannot take your call at this time".
This is about the tenth time I've called my doctor only for her to tell me it has been approved. The cycle continues. I am very upset with this insurance company. I am glad I found this blog because I was honestly was becoming vulgar towards the employees. I felt bad until I read other people's experiences with this so called insurance company. Please, for your own well-being, do not use this insurance company unless you enjoy panic attacks.
Applied for Golden Rule on December 17. They sent paperwork and took payment on December 29th showing approval. They never informed me until the 29th it went through. However, the coverage stopped the 16th of January. This for a month policy - short term.
Every single freaking time I call to ask a simple question I am put on hold for minimum 40 minutes. In fact my doctor's office had called them to verify my new insurance and even they had to finally hang up because of the ridiculous hold time.
If you have a problem, if they do not receive a payment (they are missing two of mine) the number they give you to calls says that you have to wait 30 minutes... I have been on hold for an hour and ten minutes and they have not picked me up. It is 2:56 in the afternoon. I went to the pediatrician and they would not see my son because of no insurance. I checked the website and they are missing payments that I sent. Because of their ridiculous long hold times, I had to pay cash and because they will not pick up and I have no insurance, what are we supposed to do? How can they treat us this way. I pay 414.00 a month to this company.
I live in a remote small town high in the Colorado Rockies. It can be dangerous to drive in winter storm conditions. In the past I needed Physical Therapy and had requested and been approved to use a local, but out-of-network PT provider. The in-network providers are well over 50 miles away (they're criteria for acceptable distance to travel) at 68 and 111 miles respectively, yet their system erroneously shows them as within 50 miles, so they have now twice denied my current request for an exception.
I now must write a written appeal (after hours devoted to waiting on the phone (20-30 minutes avg wait) to speak to a rep to request the exception). Now I must continue the appeal, and lose more time away from therapy. It makes NO SENSE to deny this request when they gave the exception before. They have refused other necessary medical services in the past as well.
Watch this company like a hawk. My wife had an interim policy while getting a new job, had an accident, and renewed. Though assured coverage was continuous, the company claimed pre-existing condition. Now, we're stuck with huge bills for surgery, rehab, etc. Record everything, save every piece of paper and keep notes. They talk a good game, take your money and then pull the rug out from under you. The only good outcome will be if the American public grows to hate the insurance companies more than the Congress and Federal government and agitates for sensible health care.
Needed to find out my newborn benefits under the 30 day coverage. The wait period to the correct department and/or person was at least 20 minutes. I was transferred 8 times, never got my question answered. This company needs investigation.
I just don't know what you do about short term insurance. I bought a policy for a month and then had it extended to the end of the second month. Got a cancellation notice that didn't include the extended time. Calling is a nightmare. The IVR wasn't working so I couldn't tell if my policy actually had lapsed. No one answers the phone at all on weekends. There is no chat. I am just glad I wasn't filing a claim. I can't imagine what a nightmare that would be.
My son suffered a spinal cord injury in a rollover accident on 10/10/2015. He is being treated at Craig Hospital in Colorado. He has Catastrophic medical coverage with United Health Care and has had it for 6 years. They have refused to pay for his wheelchair. He has no movement in his left leg below the hip and only some muscle movement in his upper right thigh. The hospital has told us that they stopped paying 3 days ago. My son is only 4 1/2 weeks post surgery. His policy is suppose to cover 60 days inpatient care. Craig hospital hates dealing with United Health Care. Hospital don't have the manpower to fight insurance companies so they just work around it. If you have coverage with United Health Care be prepare to hire an attorney to hold them to their contract.
Went to the doctor and they said I had to pay the full amount of the visit. The nurses told me I had a 10,000 dollar deductible. So I had to pay for the visit. It would take the rest of my life to meet the deductible. What a rip off, they are just stealing your money. Better Business Bureau A-plus certified my ass. They will be getting an irate call from tomorrow morning. God bless.
I just got a hold of a customer service rep. I told them I was canceling and he offered no resistance. No "If You Go Away", no singing that ballad in French for effect. And I'm getting a REFUND! A $450.00 Refund! Life is good. No More Gouges!
Today, I am canceling my insurance, being put on hold after being disconnected. They have been GOUGING ME $550.00 from my checking account. I'm SICK of their long hold times, I'm SICK OF THEM!
Golden Rule Company Information
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- Golden Rule