Golden Rule

Golden Rule

 2.8/5 (296 reviews)
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Overall Rating2.8 out of 5
See all 296 reviews

About Golden Rule

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Golden Rule Reviews

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Page 1 Reviews 0 - 10
Verified Reviewer Verified Buyer
Original review: March 13, 2023

Never even got an ID card, when you try to email you don't get a response. When you call they want your ID number, which I don't have. When I went through the horrid automated system for 30 minutes and then got DAVID on the phone, he HUNG UP when I asked for help locating my ID number. So I paid my bank $25 to cancel all future payments because no one at this awful company is interested in helping. Now my personal mission to leave as many reviews and tell as many people as I can how awful they are so they hopefully don't also get ripped off, money taken out of their account for no good reason whatsoever. Jerks!!

4 people found this review helpful
Verified Reviewer
Original review: Jan. 14, 2023

Bought this insurance because it said on the site that prescriptions would cost $40 per month. Received my card, it had no Rx number to use at the pharmacy. Called and after hours and being passed around on the phone queue, someone finally told me that I would have to buy my prescription at full price and ask to be reimbursed. If I could afford to do that I wouldn’t need insurance. In any case that’s a big difference from “prescriptions are $40.” They sent a discount card, I took it to the pharmacy, and somehow the discounted price was more than not having insurance at all. I cancelled the plan. This is a scam.

5 people found this review helpful

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    Verified Reviewer
    Original review: Jan. 10, 2023

    It covers almost nothing, extremely difficult to get ahold of (1+h wait times, phone tree that's almost impossible to get through) and then they denied every claim when I tried to use the card at the dr office. For each claim, they mail you afterward out a 20 question inquiry, asking you to describe the condition in detail, name and address and phone of every physician for the last 5 years, how long you had the symptoms, list every single illness or injury you've had for the last 5 years, etc etc. But they don't tell you what claim it is so you have to try to call them which is nearly impossible. Super frustrating. They explicitly don't cover any preexisting, so this is their way to search for any possible reason they can deny you.

    But worse, when they didn't get a response back yet after only 2 weeks they send a new letter advising me that they are denying the claims. UNBELIEVABLE! That would mean I'd have to get ahold of them to clarify, fill out and return the form in a matter of days. Everything about this company is misleading and designed to avoid any payouts whatsoever of the extremely limited areas that they supposedly cover. SCAM SCAM SCAM. I am so peeved that I gave them my money!!!!

    3 people found this review helpful
    Verified Reviewer
    Original review: Oct. 4, 2022

    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.

    11 people found this review helpful
    Verified Reviewer
    Original review: May 23, 2022

    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!

    12 people found this review helpful
    Verified Reviewer
    Original review: March 17, 2022

    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. :(

    11 people found this review helpful
    Verified Reviewer
    Original review: Jan. 18, 2022

    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.

    13 people found this review helpful
    Verified Reviewer
    Original review: Dec. 18, 2021

    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.

    9 people found this review helpful
    Verified Reviewer
    Original review: Oct. 18, 2021

    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!!!

    22 people found this review helpful
    Verified Reviewer
    Original review: Oct. 6, 2021

    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

    7 people found this review helpful
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    Golden Rule Company Information

    Company Name:
    Golden Rule