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golden rule insurance company reviews

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. Golden rule insurance was founded in 1947, and today is a subsidiary of United HealthCare. I suggest that the customer service process is atrocious as is the decision making. So they did not initially disclose the reason, but I believe happy to receive the $20 application fee. Short term coverage is ideal if you missed enrollment, can't afford traditional insurance, are between jobs, just graduated or retired early. Highly recommend this for folks tired of paying high Obamacare prices!!! Many or all of the companies featured here provide compensation to us. Coronavirus has revealed the true ethics and reasons for being in business for Golden Rule, PURE PROFIT with no regard for the individual they insure!! 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? We value your privacy. Enjoy reading our tips and recommendations. 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. UnitedHealthcare is an American healthcare company based in Minnesota and is under the parent company of UnitedHealth Group. No referral is needed to visit a specialist, and no primary care physician (PCP) is required. This company is horrible. 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). We value your privacy. Now I am diagnosed with a condition that will prevent me from finding another company who will take me. Copyright © 2020 Consumers Unified LLC. Once the deductible is met, the patient pays the coinsurance percentage while the insurance covers the remaining portion of the covered expense up to the lifetime maximum benefit. He said that they further assistance at this time you need an attorney to help you. Its location on this page may change next time you visit. Unsubscribe easily. They don’t provide you with confirmation number, still to this day pull money of my account. UnitedHealthcare is an American healthcare company based in Minnesota and is under the parent company of UnitedHealth Group. Get buying tips about Health Insurance delivered to your inbox. Their insurance … The premiums are cheaper for UHOne, and there's a reason: when you need them to pay your medical bills, they don't. We had UHC insurance for years and it was terrific. How do I know I can trust these reviews about Golden Rule? See reviews below to learn more or submit your own review. I had to go ahead and get the tests done. Unsubscribe easily. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. Oh well insurance don’t want to pay. Coinsurance out-of-pocket maximums, meaning the maximum amount a patient will pay, after the deductible, before the insurance covers 100% of covered expenses, range between $0 and $10,000. So I'm left hanging. Vision Coverage We know we can only be successful if we take your trust in us seriously! The overall rating of the company is 1.4 and consumers are mostly dissatisfied. The following companies are our partners in Short Term Health Insurance:, Pivot Health, Golden Rule Insurance Company, HealthNetwork, Everest, National General, and Review authors value the most Insurance Plans Acceptance. They are not what they seem. The overall rating of the company is 1.4 and consumers are mostly dissatisfied.. Review authors value the most Insurance Plans Acceptance. Unfortunately in April I was diagnosed with a hernia brought on by heavy work I had done in Feb. and March. I do not recommend purchasing anything from this company. 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. Anything you see on their website is just total scam. Golden Rule Insurance Overview. LOL, good luck with that. Depending on the option selected by the patient, there may be three or four plans available. But they took my premium every month. Others only provide a discount card which saves patients an average of 20% on prescription drugs. Someone is lying or too lazy to look into the problem. This is FRAUD by Golden Rule Insurance company!!! They have different birthdays, different middle names, and obviously different social security numbers. Was glad to get other insurance Having a baby? I’d rather go without anything than flush my money down the toilet on this “insurance”. For people who are in-between jobs, recently graduated students, or early retirees, this is a great option for protecting their health with customizable plans at affordable prices. 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 purchased a plan for 2020 to supplement or cover the the deductible of my primary health plan. Clearly they think I intentionally got a hernia. (Coincidentally its another UHC plan) If SOMEONE would of fact... Every time you turned around they raised your rates. Other copays apply to urgent care center visits, emergency room care, outpatient procedures, and inpatient hospital services. All Rights Reserved. Just canceled. Terms range from 30 days to less than 3 months. If you don't click the links on our site or use the phone numbers listed on our site we will not be compensated. Partners may influence their position on our website, including the order in which they appear on the page. Golden Rule Insurance was first mentioned on PissedConsumer on Feb 06, 2008 and since then this brand received 80 reviews. There are three lifetime maximum benefit options: $250,000; $600,000; and $2 million. Companies pay us to be accredited or when you click a link, call a number or fill a form on our site. Yesterday I was informed that my hernia was not an "accident" therefore not covered. Golden Rule Insurance Company Vision Insurance Review. Why should I have to wait 6 month before you can go to the doctor. Just don’t do it. I was well aware this was not major medical when I signed up. BTW, I'm a small business owner, so this will not be the only policy we will be cancelling. we paid high rate for 10.000 deductible. Our brand,, stands for accuracy and helpful information. No ID card. 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. We know we can only be successful if we take your trust in us seriously! While at the hospital, I was told my insurance had been canceled and would not cover anything done that day. Despite all these differences UHC since March 2020 has been denying my son’s claims stating that he has another insurance. They'll happily take your money, but when you need them you are SOL. I'm extremely dissatisfied with Golden Rule's service, and will NEVER use their Insurance again. These commissions are how we maintain our free service for consumers. To compare insurance rates from the best companies in your locale, enter your ZIP code below. There's a $25,000 out of pocket per year I have to pay before they cover a small percentage of anything, they do not cover any prescriptions, I have no dental, no vision, and they charge me nearly $500 a month premium. Deductible amounts are available between $1,000 and $12,500. HORRIBLE! Covers: ER & hospitals coverage, Doctors, Labs, Urgent Care & More, Visit any doctor in their nationwide network; no referral required. In 2003 the company merged with UnitedHealthcare Company. Metro Office Park 7 calle 1 Suite 204, Guaynabo, PR 00968, The Best Candidates for Short-Term Health Insurance, Dental services necessary due to an injury, Diabetes equipment, supplies, and services, Diabetes self-management training and education, Rehabilitation and extended care facility (ECF), Therapeutic treatments, including radiation therapy, chemotherapy, hemodialysis, processing, and administration of blood or components. My out of pocket was $2400. Don't let them fool you into signing up. 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. I called and spoke to a customer representative and was informed either I keep paying my monthly premium, or cancel it. Product name, logo, brands, and other trademarks featured or referred to within our site are the property of their respective trademark holders.

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