Golden Rule Reviews

This company is a scam. I canceled my insurance on the same day they took out my money for the premium (that actually increased), I called about getting a refund and I was told I would get a full refund in 7-10 days. I get my refund back and it’s $260, less than my original premium $ 287, and the money they took out of my account for the new premium $291. I called customer service, and the person was not helpful, and she tried to justify the inconsistency. Save your money.

Horrible experience. Honestly, Is better to self pay than having this insurance. They do not cover most of the basic services. I learn that I spent less money paying out of pocket that using this insurance. I called several time to see how much will be my financial responsibility for services like preventive care. Depending on who you talk to, you will get answers like " its not cover until you meet your 12,500 deductible or only colonoscopy is covered. (RED FLAG). My Dr ordered a diagnostic mammogram and because I have a high deductible plan, the facility gave me a estimate of $237 for self pay.

I called an insurance broker - explained what I wanted the service for and it was mainly so I could get coverage to start seeing a therapist. I got the plan info and called in immediately. When I called I was told mental health was not under my plan. I was a little discouraged since that was the main reason I got the plan to begin with. Due to the trouble, they offered me a full refund. This was all completed within the hour. They were very informative and apologized. Even offered me plans that go cover mental health. It wasn’t their fault at all, it was the insurance broker who didn’t inform me well and sold me a plan that didn’t have the coverage I specifically asked for. Yes, they did transfer me over a bit but once I was connected they handled me & met my expectations. I work in customer service so coming from me, they were great.

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!!

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.

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.

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.

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.

My experience with this company has been horrible. My account was supposed to automatically cancel in April of 2020. They charged my card for the amount as usual. Wasn’t charged after that, until July 9th and 21st, they charged me twice in one month. After 2 months go by without charging me a penny. After speaking with someone, they refused to refund the charges or transfer me to a supervisor. My lawyer will definitely be in contact with this company.

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.

Don’t bother. Horrible customer service-confusing billing. Just don’t do it. I cancelled my premium through their online system-then spent over an hour in the phone to cancel the additional policies attached to the main policy. Just don’t do it.

I told Brat ** what I need. I went to the doctor for my preventive exams which I told Brat ** I was due. I just don’t understand how these companies can’t take your hard earn money and get away with it. Why should I have to wait 6 month before you can go to the doctor. I wrote the Pennsylvania insurance investigator John **. He said that they further assistance at this time you need an attorney to help you. After this company ripped me off now I need to pay the they didn’t pay and go get attorneys so where’s is all this money come from and this insurance just collected people money and get to kept for nothing (This Nothing But AMERICANS agreed).

If you like giving money to a company that wants to not actually provide their service then Golden Rule is the company for you! It's health insurance in name only and basically any exception they can use to avoid paying they will use and there are exceptions for pretty much anything, bad cough? pre-existing condition. Having a baby? LOL, good luck with that. We might even revoke our coverage once we realize you're too expensive for us.

This was a 'gapper' plan for the 16 months I had between COBRA and Medicare. Yes, I understand it is a fixed indemnity plan. I hardly ever go to the doctor or hospital. Last winter I fell on the ice and the plan did not cover the x-rays. I'm out $2500. Last month I went to the dermatologist and it did not cover having pre-cancerous lesions zapped with liquid nitrogen. Out $200. These are super common things that happen to people. Should have been covered. I would have been far better off with no insurance.

This company is horrible. I had a fixed indemnity plan which is supposed to pay a fixed rate for covered services. I was well aware this was not major medical when I signed up. I had to go to the ER and have an CT scan, not for a pre existing condition, which were listed as covered services. I gathered all the medics documentation needed and mailed the claim application immediately. It took over two months for them to process the claim, in which I had to call multiple times to check and wait on hold sometimes for hours. I called again today and found out the claim was denied, and all the rep could tell me was because they “were not covered services.” This does not make any sense according to my summary of benefits. I did not even care to argue further for just a few hundred dollars.

I was denied coverage because I had cancer 7 years ago, without chemo. My denial letter; however, had the explanation blank as to the reason it was denied. So they did not initially disclose the reason, but I believe happy to receive the $20 application fee. There should be a disclosure of what they will refuse coverage for before taking the fee.

I purchased this insurance as short-term heath insurance for my family, while awaiting for my insurance with a new employer to begin. Worst investment! They would not pay for daughter's doctor visit although I purchased a family coverage plan. I reported this company to the Better Business Bureau. This insurance company is a scam...BEWARE!!!

I had an extremely basic plan from this company and was told in writing that it would expire at the end of the year I started it. It was meant to cover me until open enrollment allowed me to sign up for a more complete plan. Not only did they not cancel the plan when they claimed they would, charging me for three extra months after the plan had already expired, they also made it extremely difficult to contact them and fix the situation. I never did manage to get them to fix their error. I did report the fraudulent transactions to my bank, but almost a year later they still have the money they stole. Protect yourself. Pick someone else, someone with a good honest reputation.

I was oblivious to the new health insurance world. So I filled out an online inquiry and fenced a million calls. A broker talked to me for an HOUR, explained that I had a newborn and needed coverage right away. She need appointment within weeks. He assured me that this Golden Rule policy would be perfect for my wife and daughter. Weeeell. They seen her at doctors office with seeing our insurance card (which by the way says United One but has NOTHING to do with United Healthcare) but we left that first appointment feeling pretty good.

Don't get this scam insurance. They trick you. They don't send a policy until after the 45 days expires so you can't get your money back after reviewing the fact that it's not insurance as the phone person stated but it's a supplement. It's worthless. They don't answer BBB complaints either. Scam!

I am satisfied. Have had work done on my teeth, straightening (Dental) along with a few caps/fillings "after" extraction of 2 of mine. I also had recently this year a few dr. appts., check-up, etc., all covered, so GOLDEN RULE is great! As far as I am concerned, they are not a scam, and I’m reading few others saying they are also happy with Golden Rule coverage. OBAMA CARE (ACA) helped me 100% though all was fully covered, NO CO-PAY to barely 20 bucks a few x of that. TOTALLY miss it, but I am happy so far, with Golden Rule. Born in 1970s... My son now has it for a few months, oldest child late 20s and early 30s, and 1 of my sons hurt his hand wrist, and he had minor surgery on his hand area, and it was almost fully covered. No complaints here. Not 1 bit. I reserve such right to come back and post new one or edit, IF there is a problem. But, so far, we are both happy with GOLDEN RULE coverage.

I purchased an individual dental policy for my daughter in July 2019 because she was between jobs. They took a few days to process it, when she called to inquire about it, they had her on hold for about 25 minutes and no one seemed to know anything. She decided to cancel the coverage this month as she does not need it. She tried to call and cancel it and was on hold for over an hour, was told to leave a message that someone would call back--NO ONE has. She called again, on hold again for an hour. Someone finally picked up the phone and said they had to transfer the constituents area, on hold again.

I bought my daughter Golden Rule health insurance in 2017. She has not needed to use it until now when she is having major colon issues. As it turns out, they say I bought her LIFE INSURANCE. I am sooo mad. I remember talking to the agent about her kidney issues and whether or not it was going to be considered a preexisting issue since she hasn't had a problem with it since 1998. And he said no. If I bought life insurance why didn't they ask for a beneficiary. Why didn't I have to sign papers. Something is very FISHY here. Do not, I repeat, DO NOT buy anything from this so called "HEALTH CARE" company. CROOKS from beginning. And now we have to pay for emergency room, hospital stay, multiple tests, CT scan and now a colonoscopy out of our pocket. Companies like this need to be shut down!!!

I had Golden Rule for 6 month. During the first month of coverage I found that I had Hashimoto when I did the blood test. After their 6 month plan ended they denied my application for the next 6 month coverage and stated that I had a pre-existing condition - Hashimoto (I paid for the blood test by myself and never had any treatment for Hashimoto that Golden Rule was asked to cover). Stay away from this insurance. They advertise themselves as they would cover everything, but from my experience they did not cover anything. They more like an emergency type of insurance with really shady cover.

My husband lost his job and cobra charged $1334.00 a month to maintain coverage. After researching different health options, we decided to go with Golden Rule (United health one). I am so far pleased with the company and the level of customer service I received. I have 2 kids who were due for their well checks. I paid $60 per kid (towards my deductible). They covered 100% of all my kids vaccines, which saved me $554.00 because my daughter had 3 that day. They discounted everything else. My husband is on 3 different blood pressure pills and his out of pocket cost was $11.00 using golden rule. My son needed an antibiotic and the out of pocket cost was $100, golden rule covered $51.00 etc.. This plan isn't meant to be used long term or to treat long term illnesses. There are savings with this plan and something is better than nothing. This plan fits our needs now until open enrollment begins and we can get a "major medical" plan.

This, and their association with United Health One, are a joke. Please do not even waste your time. I had issues getting through their website (it was so slow) so I finally just called a number. Not only was I cut off several times and they kept calling back, when I finally got through their online application process, I was told to wait up to 48 hours for approval. Four days later, and nothing. No information, except "They are reviewing your application." Who are "they," exactly? If they can't decide whether or not to take my money within 4 days, I cannot imagine what it must be like to attempt to get a claim out of these people. So we've started our vacation, and have zero insurance. Nice... Now I'm worried they'll still try to charge me, and I'll be magically approved, once the vacation is over. Avoid this company like the plague!

I purchased this insurance through a third party broker company (iWebQuotes.com) which was one of the dumbest things I have done in my life. The broker named Leandro ** sold me this insurance as a primary health insurance and even though it seemed too cheap to be true he told me lies such as "it's only for young healthy people so we keep our prices very low" which at that time made sense and I made the purchase for me and my fiance. We found out the hard way how this insurance was useless when my fiance had to go to the emergency room. Out of the $10,600 bill they only covered $400!!!

Today I phoned UHC/United Health One Golden Rule, a policy I just signed up for to update my payment method. The first lady was nice, updated the payment. Then proceeded to tell me that though the policy start date remained the same, the illness waiting period was 6 days out though injury coverage began immediately (still charged same rate even without illness coverage apparently). So I asked what the difference would be in illness and injury l, for example if I went to an ER with chest pain, shortness of breath, abdominal or head pain..was that considered illness? She said she didn't know but would forward me to the policy coverage department who would know.