Golden Rule Reviews

Think twice before buying this coverage. My experience with this insurance plan has been an absolute circus from beginning to end. I want to be clear that the broker who helped me has been extremely helpful and continues to do everything possible to assist me. My issue is with the coverage itself and the way it was presented and administered. I am relatively healthy and was looking primarily for basic coverage and preventive care. The plan was marketed to me as something that would meet those straightforward needs.

Rating: 1/5 Stars. Subject: Systemic Fraudulence & Rate Inflation — DentalWise Max 3000. I am writing to express my profound outrage regarding the egregious business practices of UnitedHealthcare Golden Rule Insurance Company. After purchasing what was marketed as the "premier" plan available to individuals on Medicare—the DentalWise Max 3000—I expected a reliable health partner. Instead, Golden Rule has demonstrated the precise structural cynicism that gives the private insurance industry its abysmal reputation. I recently received official notice that my premium rates are being increased. The underlying rationale? High policy utilization. Let that sink in: a subscriber purchases maximum coverage specifically to mitigate significant, ongoing dental care costs, only to be financially penalized for using the explicit benefits promised in the contract.

United Healthcare Golden Rule insurance destroyed the quality of my life. This insurance carrier canceled my coverage day after major surgery for stage 4 adenocarcinoma. The company claimed I did not disclose underlying history of cancer which was against their policy. Their customer service team required extensive documentation of all medical visits and need of specialized testing. They took forever to finally pay something to my medical providers after years of medical claims being denied. I was forced to drive 2 3/4 hr weekly to obtain post operative treatment and my health deteriorated immensely. The out of pocket expenses I had to pay after my surgery has sent me from financial stability to severe financial hardship. I don’t recommend this insurance company to anyone.

I called on 4/20/26 to cancel my insurance with Golden Rule and I was told it was done and I would receive a letter in the mail stating my final date of coverage. 5 days passed and I got no letter so I called back. Why do they then tell me that they don't show that I cancelled my insurance with them. Now I have to pay this elevated monthly fee for this crap insurance. Every year they raise my rates a ridiculous amount. DO NOT DO BUSINESS WITH THIS COMPANY. They make it very hard to cancel and move on.

Terrible customer service. Nobody really help solve the problem online or over the phone. They just keep put you on different lines, and on hold. I had called, emailed, asked help from their website, but they never provided help. I just called 5 minutes ago, customer service put me in different line and another lady answered the phone, then she put me on hold, then phone disconnected again. This situation happened again and again, I'm even can cancel my insurance online. This is extremely bad service. I'm really regretting that I got insurance from golden rule insurance/ united insurance.

I signed up 4/2023 for a 3 year Golden Rule plan that I was promised was the premiere of products for those of us who have to buy our own. Cut to 12/2025 when they started emailing me to reapply for another 3 yr plan. I called 12/20 and was told I couldn't reapply until 1/14 but after they reviewed my medical history they told me I'd be approved and they would call me 1/14 to apply. They didn't call at the appointment time so I called them and applied and was told that it would go through. 1/22 I gota letter dated 1/16 stating that I had been denied due to seeing my primary care doctor 10/2/2025 and him listing a f33.1 dx, no other treatment was given.

They cover NOTHING. They kept telling me my plan was cancelled, but kept charging me! I still haven't sorted this out. Their customer service rep hung up on me rather than do her job. DO NOT USE THEM!!!

You pay for coverage every month and then when you need it, it covers nothing and you pay basically everything out of pocket. I was in the hospital and found out that it’s basically a discount card, not insurance. I paid for years and now that I need it, I find out that I don’t have insurance.

I don't understand why you take people's money and not even 20% is covered. I'm stuck with a huge bill. And no help. It would have been better to have no insurance... I had to take out a care credit line just to be able to make monthly payments on my dental because 2900 is too much for a normal person to pay upfront and you don't even record the fact that I went in. You all just really are horrible and you're liars. You don't cover a cent. Shame on this company. You literally get paid to do nothing. Rich stay rich and the poor stay poor kind of world we live in. It makes me sick. Too bad. I'd rather keel over than get medical attention. No wonder I haven't been to the dentist in over 15 years. This is exactly why I don't trust insurance companies and I never will.

I am so over their dental care. First I been with them for 3 years on the dental. I had medical but for w months they charged me 300 dollars for a plan I didn't sign up for. They took 2 months paying me back. So now I'm getting my mouth worked on and I had to get another plan so it can cover my dental work. So here we are again with them taking two payments from me for 1 month. Then try to talk to somebody its a whole different story on why it's ok for them to overcharge me again. I'm done as soon as open enrollment comes around I will be done with this overcharging place for good. I would die before I get any plan from them again. And they say they the best ones. 🤪🤪🤪🤪

They are horrible!! Did not even cover my mammogram last year. I pay almost 675.00 (just went up), they said it is not you but other people's high cost.... GUESS what Not my problem!!! I have one more year until Medicare and I will put off everything I may need until then. WORST insurance ever

Purchased a supplemental dental plan from Golden Rule - total waste of money. First, EOB showed that they did not cover what we expected based on their summary of coverage. Next, reaching a customer service rep to explain the EOB was a huge waste of time. All phone numbers started with United Healthcare and useless automated assistant. Finally got a live rep who told us that our United plan didn’t cover those services (which is why we bought the additional Golden Rule plan). Then got transferred to Golden Rule, but rep explained that they did medical not dental. Then transferred to Golden Rule Dental, but got a billing person, not a claims person.

I have never felt more wronged by an insurance company. I enrolled in the Golden Rule dental plan with United Healthcare over 3 years ago, knowing that I would need certain periodontal work in the future. After year 3, their plan states that they cover 50% of implant work. I paid high premium each month for those 3 years just for this reason. After going to the periodontist for a first examination (who is out of network) only $25 was covered by United Healthcare. My plan clearly states the initial exam is covered, even out of network. Their customer service is not helpful. Their accents so thick it is hard to understand them. What I did understand is that the closest periodontist that is covered by them is more than 4 hours away from where I live.

THIS PLAN IS A SCAM - DO NOT SIGN UP FOR IT! I went into Urgent Care due to a cough and ended up testing positive for the Flu (after taking Flu test). This insurance did not cover it due to me being pregnant (PREGNANCY HAS NOTHING TO DO WITH ME HAVING CONTRACTED THE FLU!!!!) and I am now stuck with a $1,028.00 bill.... ALL FOR TAKING A FLU TEST!!!! I WILL BE TAKING LEGAL ACTION AGAINST THIS CORRUPT SHAM OF A COMPANY.

Pay monthly premiums for months. Fell at work and fractured my hip. I had an MRI done and showed an acute fracture. Paid surgeon and doctor and they were supposed to reimburse me. Nope they denied claim. Took 2 months after sending documents and calling they sent me a denial email. DO NOT USE THIS COMPANY!

Horrible experience. I signed up with Golden Rule for 30 days and was charged for more months that I didn't notice. Basically, the dental stayed active and I was not entitled to a refund because it's separate. Sure I should have noticed, but was busy with working 7 days a week and skimmed charges and missed it.

Deny claims for all members on the plan until they find out if a visit is caused by a pre-condition (which was not mentioned to me previously) (even though you told them of the pre conditions before even signing up). When asking about the process to appeal decisions of things are ruled as from a pre-condition, for instance the Flu or yeast infections, instead of being explained how to do this I was just informed that viruses and infections can be due to pre-existing conditions.

I enrolled with this insurance company and the next day I cancelled the plan because the Agent lied. Then I called repeatedly since Dec’24 to stop the payments from being deducted from my bank acct. I even filed a BBB report, BBB did nothing to help stop this FRAUD! I now have a another FRAUDLENT payment on my bank acct!

I never missed a payment, or was late with this insurance company. I was short on funds one month, called and requested a later payment date. They told me that was fine and scheduled it for the 31st. They then still drafted my account on the original date causing an overdraft. I called in hopes of them rectifying the issue, but after a half hour on hold, they would neither accept responsibility for the issue nor issue a refund for the overdraft charge. They're priced cheap, because they're cheap.

This ins DOES NOT pay. I just went to dentist and my bill was over $ 3000.00. The ins only paid a total of $375.00!!! This is a rip off and I do not recommend to anyone!!! I was told they should pay at least $1000. I have paid monthly premiums of over $20.00 per month for over 5 years! I should have saved my money and used to pay dentist!!

I signed up for this recently, a huge mistake! The agent was very nice and appeared to be helpful, but once I actually signed, got no replies to emails or phone calls for questions that she assured me would answer! Agent also told me no waiting period and am needing work done. Although I have yet to file a claim, I'm almost positive there will be an issue. From the moment I signed, this has been a nightmare! Can anyone recommend good, well better, dental insurance! This is the only dental insurance I have, so it needs to be fairly decent! Someone please help with this.... But, buyer do NOT sign up for UHC Golden Rule Dental!!!

Been paying for this coverage for several years for my family. We paid $120 a month for 4 family members. So, about $3600 bucks when we made our first claim for my son who broke his foot playing basketball. Submitted the medical records and the paperwork. I might as well have mailed it to Santa at the North Pole. This was in 2022, We checked on the claim 6 months and a year after submitting, we were told it's under review. It’s been 2.5 years now and still haven’t received anything and no response at all!!

I have been paying my premiums every month and recently had to have hip replacement surgery. My 12,000 claim was denied because was told not due to an injury. The out patient facility and physical therapy was not paid. The 8,000 anesthesia also not paid. Documentation was sent and still nothing. Now I stick with all these bills and should have just claimed self pay, no insurance and would have been a lot less or simply find another ins co.

I was issued an Indemnity plan by Key Health Concepts, LLC, It was not PPO health insurance plan as stated. I cancelled the next day and received a cancellation letter. However, UHC continues to bill my credit card and has not reimbursed me.

I got a call from Golden Rule Dentistry and I explained to the young lady that we had a disagreement about her lying to me about a prescription and she refused to see me so I was quite confused when I got a call to come in for work on December 3 at 10:30, at 9:57 AM on December 3 they called to tell me it was a misunderstanding and that my appointment was canceled because she didn’t read the notes again. She wasted my time. Had me getting up and dressed.

I was bamboozled into getting this plan. They denied my coverage based on pre existing conditions (have been treated for anxiety and depression) so I had to pay more for my personal plan separate from my family with annual maximums. I didn't think that'd be an issue as our family doctors and pediatrician were in network, but we pay 90% of costs OOP, and this insurance plan covers NOTHING. It's a total scam and they should be ashamed of how they trick open market individuals just trying to get health insurance into their exploitative claws.

This company is scamming my mom. They have been auto-debiting premiums from her account since October 2022 but she does not have coverage with them, nor did she authorize auto-debits. Their website is a sham and does not allow customers to contact anyone to fix issues. Therefore I have no way to stop the fraudulent auto-debits. Golden Rule should be ashamed of themselves taking advantage of a 78 year old disabled and blind person.

This company is basically a scam. They will take your money, and do whatever they can to prevent you from using your insurance. Do not buy their plans. Their customer service will avoid you at all costs. There are many things excluded from their plans, but no easy way to know what’s excluded before buying a plan. I would recommend them to no one. I will never ever do business with them again. Easily the worst insurance I have ever had.

The insurance was fine until I actually needed to use it for medical care. I pay over $400 a month and they are denying an annual physical saying preventative care isn’t included. I could have sworn it said PCP care was included when I signed up - that’s completely misleading. Who doesn’t cover a basic physical???? Crazy.

I have Golden Rule for dental. I pay monthly through my bank automatically. They have never sent me a card or email and I only have the last 4 digits of my ID number. I called to get the ID number but you can't get anything without the whole ID number which they never gave me. I'm 76 and on Medicaid and Medicare. If I don't give verified information from Golden Rule that I am paying this insurance then I will lose my Medicaid. I tried to get it through my United Health Care but they put me on hold and it hangs up on me every time and they never call me back like they say they will. I just need to get new insurance companies. This is awful.

Unethical company. They have done nothing but cause additional pain and frustration. Denied coverage, even when in network. Charged for coverage not provided. Run away. I cannot wait to cancel my policy in November and be free of this nightmare.

Incompetent claims handling. Customer service is a foreign call center with no training or information. In my case they looked for excuses to deny a claim that was previously approved. Awful experience.

Golden Rule are a bunch thieves! They deny every claim unless it's something life threatening. Do not waste your time with this awful company. My wife needed an emergency c-section, and they denied the hospital claims. Thankfully I was able to use the special enrollment period to add my wife and son to my health insurance.

I called to find out when my dental plan expired. The first person took my name and birthdate then transferred me to senior Medicare/medicaid sales. Didn’t say anything, didn’t ask why I was calling, just transferred me. I don’t feel comfortable with giving personal details to someone who isn’t helpful-that should be obvious. An hour and 2-3 people later I discover that the prompted transfer system isn’t working right so I might have been sent to the wrong department. Fine, but why did it take over an hour to be told this? Not only does their system not work properly, but I was told that it’s possible the first person isn’t even with Golden rule insurance. So my concern of a security threat is viable!

Don't do business with these people, they are an utter scam and will do everything in their power to not provide you service and pay out basic claims. I had the insurance while out of work and attending school. They would not cover even basic dr visits for a shoulder injury, no pre-existing issue. I had one appointment then a referral to a sports medicine office. They would not provide support for either. Asked for claim documents, medical waivers and medical history. Despite providing all of this for someone who never goes to the Dr they wouldn't support these appointments. Save your money and skip these people.

Regrettably, I must convey my continuing profound dissatisfaction with the level of service provided by GoldenRule/United HealthOne. It appears that there has been a deliberate oversight of pertinent information by their organization time and time again, resulting in a disruption of my coverage and an unjust increase in my monthly premium. This experience has been nothing short of distressing, and I have resolute in my commitment to pursuing the necessary escalations to safeguard my interests. Unfortunately, I don't think most people have the knowledge and tenacity to continue the letter writing and escalations to to and including the CEO level.

This company is the worst ever for dental insurance. I was told for $50.00 a month that I would be covered for dentures. After all the work was completed and the bill was sent off to them $5400.00 they have the nerve to tell me that $125.00 is all I will be covered for. So after paying for this for 4 months I'm in the hole for it all. Customer service is terrible. Nobody knows what they are talking about. Beware of this company.

Read this letter. Anyway found much cheaper and better coverage than them. Height and weight matters? To guidelines got recorded videos of the phone conversation. I laughed when I read but also saw news articles they are in class action lawsuits!

This insurance is a joke. I have to admit, I didn't do my research, because I had been a very healthy person and basically only went to the doctor for physicals. I wasn't on any meds. Shortly after I got this insurance, I started with severe nose bleeds and ended up in the hospital and at the doctor's more than I had been my entire life. That's when I discovered all the loopholes this insurance has. So, they don't cover hardly anything. The CS is horrible. I would have almost been better off paying out of pocket. The last year they kept saying my insurance had terminated, but it wasn't because I was paying the outlandish monthly charge to prove it.

Member for 15 years of United Healthcare GOLDEN RULE... Paying $1300 every month and I feel SCAMMED by the Company. I am a patient at the Mount Sinai center in Key Biscayne. I visited Dr. ** (head) on January 9, 2024 and she sent me a blood test to know how I am and prevent. Results were not very good, since the doctor ordered me a prescription for ** or **, due to pre-diabetes, and also a heart exam to make sure. We have called the United company countless times with the help of the secretary of the Mount Sinai Center with endless 2-hour calls and they answer that in 24 hours they will send me an approval email, LIE! I have not received anything, neither I nor the Center... Waiting for the entire month of January and as of today, NOTHING AT ALL.... What do I have to wait for? To die?