Company representatives either do not know or mis-represent Indiana health insurance law, I learned from calling a state official. I was pleased with their payments. Compare Reviews for Top Health Insurance Companies Sort. Do the math, Stiches while insured will run about $850. AARP says that many adults over 50 are not receiving regular eye care, likely due to a lack of vision insurance… I regret the day I accepted the job. Since becoming a part of a large corporation there is much more structure and less ability for flexibility. We cancelled our policy after one year with them and I do not recommend this insurance company at all. I have had over 6 calls, 3 appeals and still no satisfaction. Insurance Companies. The insurance card is very confusing and will cause you considerable trouble. All legal content, insurance rates, products, and services are presented without warranty and guarantee. Basically all prevention tests have to be paid by me. The employees I worked with were wonderful and I am still friends with many of them. Quotes and offers are not binding, nor a guarantee of coverage. The hardest part of the job was trying to explain why the plans were so expensive and did not cover any of their pre-existing conditions. There was also lots of opportunuty to advance. Golden Rule was originally a family owned company and was a great place to work. Ive been on hold for 30 minutes. by the way, our daughter is in remission doing well through chemo and the rest of her treatment. denied claim for doctor visit for ear infection…after one year, 20% rate increase. Dont care about their patients at all. Read ★ Golden Rule customer experiences now. Get the HSA! And…with all of their denials you are better off with no health insurance and just risk it. Im 31 years old, non smoker, athletic. The manner in which they manage their deductibles and claims are abusive to their customers. This basically was an inside sales position. They cover very little of anything that would be useful for day to day medical problems and require a high deductible for rates to be anywhere near affordable. They handled my claims according to their policy benefits. Review authors value the most Insurance Plans Acceptance. There are five negative reviews on the BBB page citing issues of claims denial and long wait times on hold with the company. These guys deny anything and everything they can and they need very little justification to do so. They rejected a claim for a physical BUT my policy clearly states I have full coverage for preventative services which includes a physical. This is after I confirmed with my physician that the entire medical record was provided and a letter was written explaining what information was “missing.” This is not a customer friendly company. Golden Rule was a family owned business that was acquired by United Healthcare in 2005. Once every 5 years? Golden Rule Insurance Company. I’ll be shopping for a new policy this month. It took 5 or 6 days for prior approval and then they didn’t pay for it anyway. They get basic account info wrong and terminate coverage for no reason. I met my deductible once and the policy paid all in excess of the 5000 without question…prescriptions, doctors, hospital.The only problem is the premium has gotten to be $600 a month for just me. I am DISGUSTED. Get weekly updates, new jobs, and reviews, The most useful review selected by Indeed. Highest Rated. They said due to medical history a rate up has been added! Good luck getting any satisfaction from these folks, they don’t care or they will give you the run around just to get you off the phone. Goldenrule denies claims when they know and state that they have inadequate medical records rather than requesting more records. Why does this insurance company called themselves an insurance company Golden Rule covered nothing They only gave adjustments How are they not going to cover anything but charge a high premium after month I am still paying off medical bills because of this idiotic company I should file a lawsuit against them for extortion. I would never reccomend them to anyone! You have ridiculous deductibles to meet and then even after you meet them you still have to pay full price for things. They are crooked and very corrupt. I only have insurance because I have a high risk job and my premium is only $185 per month with a $750 Deductable. My Mother had annunity with company and they won’t even return a phone call. They Cover NOTHING except basic wellness I could just go to a women’s clinic and not pay 200 per month Customer service is non existent. One deductible for the entire family, 100% coverage after that! The people were great, benefits were competitive, but my job was eliminated. I can’t say enough about this health insurance. It was the foundation for a great career. Good pay,but not much chance for advancement. Jeffrey Johnson is a legal writer with a focus on personal injury. I had a policy with Anthem that cost about $20 more a month when I switch to Golden Rule. Put the $250 per month in a savings account instead and pay the discounted medical bills if and when you get them. F2 Help from a historic brand Together, … Great pay, decent benefits. terrible customer service. do not sign with them. Avoid Golden Rule Insurance as much as possible. The most enjoyable part of the job was the satisfaction of helping customers and overcoming difficult issues with a team. I was in an extremely violent car crash that has left me (at least) temporarily disabled – the emt’s at the scene refused to take me to a hospital that I knew to be in-network due to the nature of the accident and I ended up in the only true trauma-center in my city…long story short, that hospital was not in-network and as a result, my surgery and everything associated with my recovery has been initially refused – which means a fight, resubmission, etc. Golden Rule’s short-term health insurance plans are a great option for people seeking to fill in gaps in coverage while they wait for the next open enrollment period. Today Golden Rule Insurance serves over 25 million customers. B5F422B6-2841-451D-8211-E654F05FB4F0 983D32A5-B53B-4C94-B0B6 … Payroll clerk was a good positon. IF I ever reach this company I am cancelling my policy. I am terminating my policy and will go without health insurance. This practice has been going on for over 6 months and still no one has recieved any money. “PLAN 100” for FAMILY is a scam!You will never be able to meet your deductible unless 2 of the members of your family pay the deductible at the same time (same year). Our community is ready to answer. I would not wish this job on my enemies. Thus, policyholders know they have peace-of-mind that Golden Rule Health Insurance has … I worked with wonderful people. GMAC/Homesite received a check from my escrow account on 12-24-08 – then cancelled me in 2/09. They take care of claims as stated and we have never been questioned. The whole industry is rotten to the core. That will pay for 2 arms, 2 legs, and a stich job. Please take my advice and get any insurance but golden rule. Please verify any direct legal advice or rate information with your attorney, insurance company, or agent, respectively. The interaction with this person was the reason I pursed a different job. My Golden Rule premium was so high I started searching for another HSA policy. So I will contact my state insurance commissioner about why laws allow such capricious approaches to defining insurance risks. I feel that this is a scam to get out of paying bills. Initially I filed the application with the United Health and expected this name to appear on my credit card statement but instead the application fees appeared under"Miscellaneous Items" 2 weeks later.I did not know that it was the United Health. This is no joke – they don’t care. They said they would review my doctor’s letter again, which they never did and it goes on and on…TERRIBLE. This is a great place to work if you are a young employee looking for a place to start your career. Finding trusted and reliable insurance quotes and legal advice should be easy. If you do not have insurance, most hospitals have a discounted rate program that will reduce the bill by 30% – 40%, unless you are rich and do not get approved. The policy I have has a $5000 deductable and after that everything is covered 100%. Customer services is fantastic! This insurance company will rape you for every penny you have, and still want more. Bait and switch company. This company is not in business any longer. Now as far as customer service goes. Free Advice® is a unit of 360 Quote LLC providing millions of consumers with outstanding legal and insurance information and advice – for free – since 1995. Don’t do business with them, they don’t provide you with any information. Try calling them after hours or on the weekend. They wanted me to sign a rider denying to cover treatment for psoriasis. Other complainers either didn’t understand their policies and/or in some cases appeared to misrepresent the facts. We are now faced with paying bills that we thought we were insured for and had paid the premium on and a daughter who at a very vunerable time in her life is uninsurable…DO NOT USE THIS COMPANY!!! Golden Rule Insurance Company has an A+ rating with the Better Business Bureau (BBB). However, it has to be sent to the Golden Rule address on the back of the card. Golden Rule has paid every claim after the deductible 100% as the claim states. Insurance Companies in Indianapolis, IN. Bad management. History of Golden Rule Insurance. UnitedHealthcare, Golden Rule Vision Insurance Review. Told me it would $93.00 a month but after review they upped it to $140!!! In April again this year I have been informed by the company that my rates are going up an additional 16%. Golden Rule Insurance Company. I have had Golden Rule for 11 years and have had cancer twice during that period. Get a quote. Even before my policy came online they upped the rate. High call volumes. Read Review They paid my claims great. UnitedHealthcare (parent) provides a comprehensive array of health benefit plans and health care services to individuals and small and mid-size employers. We were able to find alternate insurance for the kids and now my premium is as much for me and my husband as it was for the WHOLE FAMILY! The company has been selling short-term health insurance for … Golden Rule Insurance ranks 200 of 995 in Insurance category. So we had to call hospitals and doctors to resubmit because we kept getting bills that said we had no insurance. they are always raising the premium. Management was helpful and provided team leads to assist also when in need. Room for advancement, but seemed to mostly be based on Politics. If your deductable is $2500, you will owe $850. Earlier today I was so frustrated after trying to reach the company for several hours that I signed up for alternate health insurance. Golden Rule is financially strong with an A.M. Best rating of “A” (Excellent) and an “A+” from Standard &Poors. God is awesome! I believe the entire company is a scam. All preventive care is out of pocket. We helped each other daily due to supervisors duties left them unable to assist the workers. Since one parent is also on the policy, the deductible is already met, that medical coverage is taken care of as well.This has been one heck of a way to experience what having insurance means. In April 2012 I received a letter from Golden Rule stating that they were raising my rate 16%. You could only go to the restrooms on your breaks. Stay away! They application comes back with only the non-cancer spouse approved. ThenI called my credit card company and blocked the account. We bought this policy because it was very affordable, but it has increased EVERY 6 months anywhere from $50-$70. I am dissatisfied with the service I have received in trying to get a prescription filled. Company History: Golden Rule Insurance Company was founded in Lawrenceville, IL in 1940. Health Insurance company, it was a great place to work. I was with golden rule(united health) for a few years. High Call Volume, difficulty in advancing, This Job is so stressful. I am a very healthy, fit person with very few claims through out my life. I am paying for everything in addition to paying the premium. Top Rated. As far as covering medications Golden Rule wildly ranges on what medications it will cover from generic to name brand run of the mill to exotic. FreeAdvice.com strives to present reliable and up-to-date legal information and advice on home, car, and life insurance. Golden Rule Insurance was first mentioned on PissedConsumer on Feb 06, 2008 and since then this brand received 81 reviews. They have never paid a claim and Golden Rule sent me a letter stating that they were terminating my coverage and a thank you for your past business. Time to move on and stary this application process over again with a new company…. They think people will get tired of the hassle of resubmitting and just pay the bill (which I have done a few times). 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