Golden Rule Reviews

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.

Golden Rule, offered through UnitedHealthcare Company, is a terrible plan. They cover almost nothing and they make it extremely difficult to purchase a plan. Additionally, they will not let you rollover your plan. DO NOT BUY THROUGH GOLDEN RULE!

I had them and I was diagnosed with diabetes and they dropped me. They don't buy for hardly anything. My diabetes test struts they would only pay for two dollars of it. This is the biggest joke since Obamacare.

I bought this insurance In September. Thought it was good according to salesman. What a joke. Had skin cancer surgery in January and they paid 800 out of over 11000. Called them. They said with my plan that's what they pay. Thanks for screwing me Golden Rule.

The great thing about having a policy with a large network is the contracted rates you get on all covered services. We've experienced discounts of up to 75% and 80% with United Healthcare. However, UnitedHealthOne (underwritten by Golden Rule) is nothing like United Healthcare. The discounted rates on covered services are minimal, maybe 10% to 15% overall. Then, since it's an indemnity plan, they're only paying out a pre-set amount per claim, which is typically just a fraction of the bill you'll receive from the provider. Don't fall prey to the attraction of low premiums. You'll be sorry when the enormous medical bills come rolling in. PS - They don't send you EOBs unless you request them, and then they have the audacity to charge you $25 after the first 10.

James installed our furnace & air conditioner. He is a very hard worker & does the job right. He is friendly, courteous & helpful. He help us with programming details and any other concerns we had. Even after the job is done he still will help with question etc. Would recommend him & Golden Rule to others.

Had Golden Rule for a secondary insurance. It was a minimal plan. I filed a claim for an office visit. Only claiming a 100.00 and the red tape was awful. I gave them statement detailed and talked with them on the phone and they said they needed info on my wife. I sent that. And on and on. I only had the policy for about a year. Paid 4000.00. All I wanted was a lousy 100.00 which they said the plan paid once a year. Golden Rule is a joke, rip off, scam co.

This company is absolutely horrible, it takes at least 30 minutes to get anyone on the phone. I hate them so badly and resent that this FOR PROFIT company is providing customers with such terrible service. MAYBE PAY YOUR C_SUITE LESS AND HIRE MORE CALL REPS. Absolutely useless.

I explained that I needed short term ins. including drug coverage. Agent went over my meds. Said, "YES, you are all covered." I asked again to make sure! NP! Then when it came time to use, IT IS A DISCOUNT CARD! Doesn’t cover a thing. Couldn’t cancel the vision. Have to keep for 1 year! And not use. Horrible company. I’m still shocked. They have treated me and others this way. I sure wish I would have seen these complaints prior!!

Do your due diligence and ask the right questions. Primrose failed to mention we couldn’t use our plan for six months and when I tried reaching back out to her numerous times via phone and email, she refused to get back to me. I simply wanted answers. I guess my first red flag should have been when I requested policy literature and never received it (mailed to the wrong address of course).

Signed up on August 22, paid my premium and set up automatic payments for a three month plan. I had to get some testing done on September 9. I was contacted January 12. They told me they were not covering anything and my plan Is null and void. Then I received close to $14,000 in bills from the hospital that I have to come out of pocket and pay for. Healthcare is a joke. I’m going to expire naturally. I had a good run. Signed dead man walking.

I have been on hold for 1:47:19 waiting to speak to a representative so I can add my son to our dental plan. There is still no end in sight! I’m feeling panicked now as, at some point, I’m going to have to go on with my life. This seems excessive! And I feel helpless because I need help today. Now it’s 1:49:41.

I purchased Golden Rule medical insurance after losing my job. This is the 4th medical insurance I've purchased in 2018. I was promised full coverage with pharmacy, dental & vision coverage. One medication cost me $400. For a 3 month supply, & other prescriptions were not covered at all. I avoided going to any dr., because I knew nothing would be paid for. On Jan. 3, 2019, I began the process of trying to cancel this insurance, after securing insurance through the marketplace. What a nightmare: I was redirected to other phone numbers & placed on hold for hours, & spent days on my mission to cancel coverage. As of 1/7/2019, I am still uncertain whether they canceled this plan. I "have" to continue the vision plan for 1 year according to the "fine print" in the contract. Very negative experience with Golden Rule insurance.

4 days AFTER the open enrollment period ended, Golden Rule sent notice of a rate hike. After looking at the other reviews here, I realize I have experienced a lot of the same things: denial of coverage despite premium being withdrawn, no RX plan, extremely long telephone wait to talk to a customer service rep, and not being able to access online account due to faulty ID or other reasons.

They changed the TERM DATE. Didn't even give me a reason why they cancel me. All I did was visit the Gyn/OB doctor on Tuesday 11/27/2018. I called the customer service... she said my insurance is still good. And I can use it until December the 1st. I even printed out the Medical Coverage Summary. The term date was 12/31/2018. Now they changed to 11/01/2018. I emailed them, if I get a medical bill that stated that they didn't pay anything... I will sue them. I am so glad I printed out the Medical Coverage Summary off the internet... I will show the Judge this paper. And I also copied the conversation from TTY Relay between me and the customer service.

This company is listed as one of the MANY subsidiaries of United Health Care. When signing up for health coverage, the online process is very similar to the one for obtaining marketplace insurance so things appear legitimate. A letter is promptly mailed with just an insurance card and no prescription card, yet the plan offers prescription coverage (Red Flag). When calling the customer service line, an automated prompt reads off the information that would be on your prescription card (if you had actually received it), but when you bring that information to the pharmacy, the RxBin number is invalid (Red Flag). When calling to "enroll" for coverage, someone answers the line immediately. When a doctor's office calls to verify coverage, all they ask for is your date of birth and they proceed to state your member ID number and when your coverage is good until (but you must wait 30+ minutes to speak to someone) (Red Flag).

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.

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.

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.

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.

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.

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.

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.

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.

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".

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.

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!

Golden Rule took advantage of automatic withdrawal that was set up during the period of time when I had health insurance and continued to make withdrawal even after the insurance was canceled due to starting of Medicare.

I lost my health insurance 2/28/15 because we moved from NY to FL. 1/30/15 I was diagnosed with severe diverticulitis and was bedridden. My husband had an agent visit our home for possible coverage for me. He came twice, 2/1/15 and 2/4/15. The agent knew I was suffering from a pre existing issue, and sold my husband this policy for me. Long story short I have over $50,000.000 in medical bills for 3/1/15 to 5/1/15 and they refuse to cover anything. The agent, R. ** from Fort Myers had no right selling my husband this policy for me knowing my condition, for which the agent was fully aware of. He did not tell my husband that the pre existing condition would not be covered. I was so sick and on a lot of pain medication. I came from bed only to sign the contract, and not reading any fine print given my condition. This agent should not be allowed to sell health insurance, and now we will be paying on these bills for the rest of our lives!

I was advised my dental policy had been cancelled on 4/5/15. On 5/7/15 I was charged $58.59 for this cancelled policy. On 5/7/15 I called 1-800-657-8205 to discuss this charge to the cancelled policy. I spoke with "**". ** advised me the policy was still active and to referred me to "www.myuhcdental.com" to assist in locating a dentist in my area. This website was of no assistance. On 5/7/15 I called 1-800-816-3596 for further assistance and spoke with "**". ** advised me that this policy had been cancelled on 4/5/15 and the website that ** had referred me to was no longer active and to go to "www.yyuhone.com". I then requested to speak to a departmental supervisor due to conflicting information.

This is truly unbelievable. This company charged my card before even approving the policy or premium. Steer far away from United Golden Rule. I went with another company which was more but they didn't charge me first.

Please be aware that you may turn to this company for cheaper insurance but what they don't tell you is that it do not have the requirements need to not be fined by Obama Care. This company is a waste of money and time. I never even received my dental cards so they claimed that they told me to call United. They never told me that at all. In fact they told me they would send it. I should have read the fine print. I went back to Obama Care and got a better deal than I did on this crappy insurance. I thought I was saving but the truth is I got duked.

The company offered a short term that I didn't need. I, not knowing, gave the company a payment $130.91 for the month of January. I am calling to request my money but no one is responding. I feel they are a scam.

Just doing end of year paperwork. Lucky to have great health but just noticing that I paid Golden Rule $4400 this year. They paid 0 out in any payments. Reminds me of my mom's favorite expression - "laughing all the way to the bank!"

They should not be allowed to be a Practice Company. When I first bought the policy, I was under the appreciation that I would get my money since it was saving like plan. I thought get my money back when I cancel, they said no, only if I made payment from the time I canceled. Oh I am pissed. They ripped off quite a bit of money. They lie to their customers. I want my money back. I only used them one time and they only paid for half.

Just received letter 1 day after midterm elections that my premium was being raised. I have had my policy since August of 2012 and have paid $322.00 monthly. They now tell me that they have to comply with the Affordable Health Act and my premium beginning 2015 will be $995.00 monthly, a 209% monthly increase. Have called and received the usual answers, "We don't know, we have to comply".

We had several claims and they were fair every time. One very large catastrophic claim in particular was paid without any problems. They have always been fair. They will never make any money on us as they paid some large claims but that is how insurance works. I will not change insurance carriers even if I could save a few dollars a year in premiums. They are not perfect but neither is anyone else. People expect too much from medical insurance. Think about it, if insurance companies did not make a profit then there would be no medical insurance available and then where would we all be?

Get lied to. I have gotten the run around. Was lied to about the monthly cost. And they drafted money out of my account without my permission.

This insurance sucks. If you are half way healthy, the low end plan never pays out a dime. Warren Buffett became a billionaire by investing in insurance companies ... collect a lot of money, make few promises, and get rich. When you reach Medicare age, they send you a dozen pages of carefully worded legalese enticing you to continue this plan at a reduced rate which is twice what Medigap insurance is going to cost me. Nowhere in their member website is there a downloadable PDF Form or other mechanism that allows you cancel your coverage. You must call them and listen to lengthy computerized voice mail telling you to use the website whenever possible because it has everything you need. Not so. Then the greatest insult is that in July you want to cancel insurance as of the end of September they cannot help you. One must call back 1 to 30 days prior to the desired cancellation date and waste 30 minutes on the phone again. Bunch of crap.

It'd be better to burn your money instead of giving it to them. Just call the company and count the time before you speak to a customer representative to get a GLIMPSE of how terrible the company is. They'll deny you coverage and request you to appeal through them. You'll regret that you've spent your money on them instead of burning it.

I bought a short-term policy for my son when he was between jobs. The health policy was issued separately from the dental, and when the health terminated, the dental should have too. Instead, they continued to bill me for the dental. I missed it on my bank statement, so it was a couple months before I realized they were still billing me. When I called, they refused to refund the money because I was required to cancel the policy separately, even though they NEVER advised me that I would have to do so. There was no way I would have known this as they don't send out bills or receipts - they just debit your account, hoping you won't notice if they continue to debit you for insurance you don't want or need.

They are horrible. Barely cover anything as it is and I just found out that they do not cover pregnancy unless it is related to a complication. Ultrasounds, high risk pre-natal tests, radiology, delivery, c-section, hospital stay are NOT COVERED! That is an easy $20,000 of debt, thanks to their broker who put us into this horrible policy and did not disclose properly what is and what is not covered. Contacted the insurance administration and explained that my wife is pregnant and we are facing thousands of dollars of debt because we were mis-informed. "There is nothing we can do" is all I got. They added that none of their plans covered pregnancy when I was put into this. Would have been a nice thing to hear from the broker at the time of getting this insurance. I guess a sale is a sale and that is all you are to this company - money. They do not work with you. They do not help you. Stay away. There are many other insurance companies out there that will be far more honest and willing to work with you in a dire situation like this one.

Golden Rule just raised my insurance $100.00 a month and their coverage is worthless. I canceled my dental after having two teeth filled and it cost me $178.00 and I believe they paid $30.00. What is it with these insurance companies, a homeless person can go to the dr. or hospital and get treated and you know they won't get a bill. I guess we can blame it all to the Obama Care. And it's not going to get any better till we get a better one in but is there actually any that's better. It seems like each time we get a different one in it just gets worse.

Golden Rule has continually raised my premiums over the last three years. I have used the insurance 3 times for regular Dr visits. They just raised again over 40% without notice. I called and they said they sent a letter in April. I pulled out the letter that I had received which stated "NO PREMIUM INCREASE". Their response, "you must have the wrong letter". I can't afford their premiums and the medical bills I pay because the coverage sucks. Better to do without.

Have two bills from 2013 that keep going unpaid, met the deductible. I'm pretty sure a number of these health insurance companies hope you get so exasperated that you throw the towel in and just pay the bill!!! So now I'm real mad and call Golden Rule's phone number out there in Utah. On hold for fifteen or twenty minutes (oh, forget their website for such matters). Finally I have get a live person and ask why the bills haven't been paid (as I say met the deductible)? Well, here's a new one, "We need the provider to send us the medical records of my two teenagers BEFORE they can pay the bills.” Anyone heard of such nonsense? Stall, stall and hope I break down and pay it!!!

I went to the doctor today and was told Golden Rule has a 6 month waiting period on office visits for anything other than your annual exam. This was NOT disclosed to us before we signed and paid! I have spend over $2000 on premiums and have not used this insurance and they are refusing to give any type of refund. We are calling an attorney. I feel this is predatory since they did not disclose this information before we accepted and paid! I cannot believe they feel they can get away with this. Before people realize they have this 6 month waiting period they have paid for months and get nothing back. Golden Rule is basically just collecting people money and laughing when we cancel. It is sad that this country has given these people so much power and control!

I honestly shouldn't be writing this review considering how livid I am right now. Back in December 2013, like many others, I rushed to buy an individual policy being that my company was too small to offer group insurance. I went through a insurance broker, and was quoted $135/month. Later, I got a call back, saying that because of my pre-existing condition, my premium was going up to $170/month to cover the condition and medication. It is now 3/12/2014. They didn't even finish writing my policy until the end of January.

Golden Rule never asked whether I wanted to continue coverage after they announced a 25% increase for 2014. I bought other insurance, but they continued to deduct their new, higher premium from my checking account. I called this morning an waited 50 minutes to talk with a representative. I asked to cancel our policy effective Jan 1, 2014. They refused and will keep the $566 premium even though they provided no services. It used to be illegal for 2 insurance companies to provide the same coverage for an individual. Has that changed? This is not the behavior I would expect from a "trusted" insurance company. I consider it unethical and will steer clear of United Health products in the future. Interesting United Health's CEO, Steven Helmsley was paid $49 million in 2012 and a total of $156 million between 2008 and 2012.

I am now on my third attempt to cancel my policy and have currently been on hold for over an hour. I recently got married and I am on my husband's health plan so I have no need for Golden Rule. The first couple of times I was on hold for 30 minutes before someone finally got on the line just to have the rep tell me that they will have to transfer me to the cancellation department. The first time, they disconnected my call instead of transferring my call. Anytime I have tried to call Golden Rule, there is a hold time.

Turned down for coverage due to a pre-existing condition. After being on hold for an hour they explained that their underwriters automatically deny coverage for my condition?? This confused me since they offer coverage for my condition for an extra price when I enrolled online at healthcare.org. They took a month to decline me by the way. I called a few times to follow up and each time was on hold for 45 minutes or more each time! Didn't matter what time of day or what day. Worst Customer Service I've ever experienced to date. Now calling to call to cancel my dental with them and since they were rude about the medical coverage. I've add a couple of screen shot of today's hold time as an example... They are awful and I think them turning me down for coverage was a blessing.

I just recently started a policy with Golden Rule through United Health One last month, or at least I tried to. The representative who took my doctor and health information over the phone ended up requesting tests from the wrong doctor, which is why they never received the test results they requested and which is why they initially declined my coverage. As soon as I found out about being declined, I had the correct doctor send my test results. So Golden Rule approved my coverage, but decided to change my effective date to a month later than what was agreed upon. As a result, I will get stuck with a doctor bill from a month before from when I thought I was covered. Even though it was Golden Rule's fault for contacting the wrong doctor, they refused to change my effective date back to the original one.

You are better off uninsured. They claim to cover life-threatening conditions, and not once has that happened. The oldest child has a fatal gluten allergy, and after an anaphylaxis episode, they denied any coverage. The youngest has had severe problems with mental health, and they denied coverage. They would have been willing to let her die because they decided hospitalization was unnecessary, despite numerous evaluations by doctors. After a fall from a horse that required an ambulance, there was a huge bill that they covered none of. The money you spend paying for the insurance is the money you could be using to pay the bills they won't cover.

I have taken their health insurance policy and had it more than 3 months. I went to have annual medical check up and blood work. After 4 months, they have not paid the Doctor their bills and now I am getting this huge bill to pay. Please do not deal with this company, very poor business ethics. The customer service people have attitudes and don't want to help customers. I wish they have some responsible managers who are listening.

I am on a High Deductible Plan. Golden Rule was about to charge me 66% more than an online lab test service. $291 vs $175 at the same location for the same test on the same day. This lab provider is in their network as well. I pay them around $3000 p.a. premium for insurance coverage to be ripped off for everyday services like this? What can I do?

I'm paying out of the ying-yang for my insurance, but nothing is covered. I don't have a co-pay; I have a full-pay. My prescriptions aren't covered... Why have this insurance? I'd probably be better off without insurance. I'm totally frustrated.

Golden Rule Insurance is a disgrace to shady insurance companies around the country. They steal money, overcharge you and then tell you can't send an email when you cancel. Then I called in and they tell me they will email what we discussed and it never was sent to me. This company has horrible customer's service and their agents leave out important information so they can charge you more money for health insurance with less coverage.

After having Golden Rule for 3 years +/-, and having $100 per month send to my HSA, I discovered that for Nov. and Dec., no money was being added. I did not make any changes or authorized anyone to make these changes and I was not notified of these changes. I called yesterday and someone is supposed to get back with me in 24-48 hours. I'm sure they will have a phony excuse. I plan to make a complaint to the Insurance Commission in my state. It's too bad that the company and someone working there are incompetent.

Golden Rule is not for people's health, just for money. Be careful. I had Golden Rule Insurance for 4 years and I wanted to start paying from my company and sent a check with its name on it instead of personal check. I thought it took care of my payment. In a while, I got a letter saying that my coverage was terminated. I did not hear back saying that they did not process my check or anything at least another bill.

I used to have Good Union insurance. Unfortunately, I lost it because I didn't work enough. So, I had to go on Golden Rule because my husband and kids already had a plan. They were supposed to put me on the same plan as the family. They screwed up and gave me my own policy, which now I'm stuck with because they won't let me move over to the family plan. I'm being charged $148 for just me! And that has recently gone up. God forbid both of us should be in a car wreck because we'd each have to pay the ridiculous deductible. These people will all burn in hell, no doubt, because of the way they deal with customers. Luckily, I'm going to get 6 months of Union insurance next year. Then, I'll be shopping for a new provider for the whole family! Bye bye Golden Rule. You suck!

We signed up for this insurance in October 2011. My family was approved and I was initially declined due to a surgery on my ear to improve my hearing. Once I could prove to the insurance company that there were no side effects of the surgery, I was insured as of January 2012. Since then, it has been nothing but problems. Our premium went up almost $180 and when I received a notice that I needed to pay an additional amount, I did. The next correspondence we received was that we owed them over $1,000 or we would be cancelled.

We just found out our HSA premiums are going up $2000.00 this year. Seriously? Fat cats getting richer, poor getting poorer. We don't even use it. I'm getting punished for being healthy.

All I know is they paid for nothing. I have bills here that cannot be paid. They took over $400.00 out of my husband’s checking for two years. I want all my payments back or I will get a lawyer. I needed surgery and had to cancel it. It’s not fair. Someone has to stop this company. I can’t afford these bills and still with my pain because Golden Rule is a scam.

I just received a letter from Golden Rule, a United Healthcare Company, increasing my annual healthcare premium by 25%. This is on top of a 15% increase 10 months ago. I can't afford to be alive.

I found Golden Rule through www.ehealthinsurance.com. Four or five months into coverage, I went to the doctor for hemorrhoids. I'd never had them before, so I panicked when I had symptoms. The insurance did not cover it because hemorrhoids, hernias, tonsils, and anything dealing with the reproductive system has a six month waiting period before they are covered. Granted, my situation wasn't terribly emergent, but aside from pregnancy, you can't control any of those conditions. Are you supposed to wait five months if you come down with tonsillitis or end up with a hernia or ovarian cysts? What good is medical coverage if they don't cover anything?

I was laid off in April 2009 due to the economic status of this country. I have carried Cobra insurance since that time to provide health care coverage for my family. My Cobra terminates October 22nd 2010. I applied for health care coverage for myself and my two children (ages 18 and14) and given an effective date of October 22nd 2010. I was notified this evening (8 days before Cobra ends) via email that I am being turned down due to the fact that I am a disabled American Veteran! Since I am the only person on the application over the age of 19, they have also denied coverage for my daughters. Not to mention that they have already taken $580 payment for the first month's coverage.

I signed up for Insurance through Golden Rule in June of 2010 and I had problems right from the start. The first lady I talked to who set up my account told me it was going to be one price and when the first bill came it was $20 more than what I was told. So I called and talked to another lady in the billing department and she set me up with a different plan that was more suited for my budget. During that conversation I asked if I could go to get a basic check up and she said yeah. So on August 12, 2010 I went and had a physical exam and then today, two months later, I get a bill from the doctors office for $210.

I applied online for Golden Rule Insurance under the United HealthCare umbrella. Within 2 days, I noticed that the initial premium was already taken out of my bank account. That's fine except that I didn't know one way or the other if I had been approved or denied. It was over a long holiday weekend so I couldn't call to see what the deal was. The following Tuesday, I received a letter stating that they received my initial premium but that in between the time I applied (a Thursday) and the next Tuesday the premium rate had increased over $177.00!

I have a current policy with Golden Rule. It is an HSA, which means I pay the first $5000 in costs, and then the policy picks up the difference. I have had this policy since 2006. After $18,000 in premiums, Golden Rule has never been required to pay a claim, as my family is very healthy. Each year I receive an increase in premiums based on the fact that costs continue to rise in the healthcare industry. This year, the premium went up again. I went online and applied for a new Golden Rule policy with improved coverage, a higher deductible and a premium that was $230 less per month.

I applied for insurance with Golden Rule in June. After getting a quote, I agreed to the said amount. They took the money the same day out of my checking account. After they contacted me and increased the amount twice in one month, I canceled the policy. (June 28, 2010) The policy was supposed to go in affect July 1st 2010. I was sent a letter stating I would receive my refund in 6-8 days. It is now July 28, 2010. I have spoken to several reps and was told the check had been mailed on July 2, 2010.

My daughter needed short term month to month coverage. There was no mention of medical or dental wait times of coverage. After a couple of months, she had an impacted wisdom tooth that had to be extracted. Now they say we had a twelve month wait period that was never mentioned. Now we owe just under $600.00. I would avoid them at all costs. The cost to me was $585.00.

They take your money, reject you for reasons that make no sense, the interviewers are not health professionals or sound like they are well-trained and then take their sweet time returning your money. Almost $300 and I have not been refunded. They have quite a scam going, money for nothing. Beware. Although the prices look good, don't go to them for a quote. So far, they wasted my time waiting for my money.

I applied Golden Rule. They asked me stupid questions. How I became deaf? Was deafness worse or same? They send some one come to my house and do the blood pressure, height, and weight measurement. I have never heard of anything like this stupid company who would send someone out. They said it might be declined because I am deaf. I refused to have someone to come to my house to do blood pressure, height and weight measurements.

I am unemployed and attempting to find healthcare coverage. I spoke on the phone with a United Healthcare rep to receive a quote. He forwarded me a link to apply so that the underwriters can determine what my premium should be. The application contained a field for bank information so that the first month's premium could be deducted. Nowhere did it indicate that it would happen immediately. Two days later, before I had heard back from the underwriters and before I was ever notified of the premium amount, Golden Rule debited my account for $130. After much arguing with another rep, they agreed to reimburse me this cost. Unfortunately, it will take 12-18 days before they even issue the check. As a person with no income, this is detrimental to me. The rep I spoke with was very unapologetic and pushed the blame on the initial sales person with whom I spoke. I'm disgusted and will not go through them regardless of what rate they are able to give me.

I had insurance with Golden Rule Insurance. After I got laid off, I lost my insurance, so I took this policy with them. They reviewed my status and after about a week, they sent me my card and said I was approved. They had been paying on my doctor's bills until I was put in the hospital for two days. Now, they want me to pay. I am unemployed and have no income. I have several bills that they want me to pay. I can't pay those bills with no income. That's why I took out the policy. I was paying a high monthly bill to them. They were taking my money but don't want to pay now.

Until recently, my wife and I had a health insurance policy with a subsidiary of United Healthcare, a company which markets itself as Golden Rule. The policy lapsed for one month due to non-payment of premium (one missed payment). We were told to reapply for insurance with the company, implying that we could not reinstate the policy and the reinstatement would be treated as a new application (we have been insured with the company for 7 or so years). My wife has a long term health problem, not life-threatening, just an annoyance called Crest Syndrome which was excluded from the original policy 7 years ago and we accepted that fact.

My husband and I applied for joint coverage on August 25th. The premium for both of us was taken out of our checking account on August 28th. They obtained our medical records and determined that they would decline to cover my husband, actually for reasons that were inaccurate, but that is not my complaint. After this, they did not refund the premium. They were repeatedly advised, both by phone and in writing, and also by email, that we didn't want to split our coverage so please return the premium. In response, they sent me a policy around October 1, with a stated effective date of coverage for just me on September 1, and withdrew another partial premium from my checking. I had to call my bank to ask that they not permit any further withdrawals.

In general this insurance company was horrible. They had all sorts of excuses for denying claims. The customer service number is a toll number. The HSA I got was a nightmare. I would NOT recommend this insurance.

In May 03, I filed a Consumer Complaint against the above for claiming my injury was pre existing. After proving, it was not, I received a letter from Dee Jennings (golden Rule) it would be paid. I have now received a bill From the MRI for $1104, which is the bill this insurance company claimed would be paid. After speaking to Ms. Paddock, Manager of Claims, she stated they are not paying & it doesn't matter how many letters I write, I will not win. I have sent a copy to the president, Mr. Jack Whelan & have not received a courtesy letter from him. I want a refund for my years payments to this company of $245 a month or my $1104 bill paid as stated they would.