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Golden Rule Insurance

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14 Reviews & Complaints

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Don't Use Golden Rule
Posted by Momofthree on 04/11/2006
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.

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Posted by jsix1441 on 2006-04-11:
We also had Golden Rule insurance. Our premiums would go up every 6 months, big increase. They are the worse company we ever dealt with.
Posted by Anonymous on 2006-04-11:
Insurance companies have a really nice scam going on. If you own a business and you have to pay your investors off, for some reasonor another, you lose. If the insurance companies have to pay out there investors (that would be you) then you lose because they just raise there rates and give less service. Must be niceā€¦.
Posted by CJGirone2001 on 2006-10-26:
I too had Golden Rule,wouldn't use them again either...they suck you in with low rates and then 6 months later slam you with a bill that is 3 times higher!
Posted by Sasi on 2006-12-03:
I took golden rule on effective 1st of June 2006 and after two months I want to upgrade the plan which is on August 1st. The insurance company changed my effective date from June 1st to August 1st and reapplied my payments from August and they started rejecting the claims between june and august. I don't know what to do but just to fight with them and planning to sue them. This is the horrible insurnace I have ever dealt with.

Posted by Feedback01 on 2010-03-23:
Shame on you, Golden Rule / United Health One. You are reflective of everything that is unethical and corrupt within the health insurance industry. Fortunately, your days of screwing American consumers -- we are PEOPLE with FAMILIES, you *expletives* -- are coming to an end with the advent of health care insurance reform. I shall dance on your grave.
Posted by jangleton on 2010-11-18:
The first phase of Health care Reform will give you Wellness/Preventative care benefits and higher premiums.

There is an old saying " be careful what you wish for..."

It also limits the operating expenses of insurance companies to 15% of premiums which means Agents commissions are going to be cut in half.

You may have trouble even finding an Agent willing to deal with these policies.
Posted by cate on 2012-01-20:
I wish only the worst for all insurance companies come 2014!
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Problem Cancelling Policy
Posted by Jschamberg on 02/03/2014
MINNESOTA -- 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 [snip] was paid $49 million in 2012 and a total of $156 million between 2008 and 2012.
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Posted by Slimjim on 2014-02-04:
The CEO's pay is not relevant to your complaint.
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Horrible Do not use them they are terrible
Posted by Harddylan1 on 05/03/2013
HOLLYWOOD, FLORIDA -- Golden Rule Insurance is a disgrace to shady insurance company's around the country. The steal money over charge you and then tell you can't send you an email when you cancel. Then I call in and they tell me they will email what we discussed and it never was sent to me. This company has horrible customers service and there agents leave out important information so they can charge you more money for health insurance with less coverage. The AG needs to shut these scumbags down
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Don't fool with these people
Posted by Nbgma on 09/04/2010
My daughter applied for insurance from them, and I paid the $249. She immediately got a notice they would be raising her premium about $20 a month. As I was preparing to give her the rest of the premium, she checked their web site and found out she was denied. About 2 weeks later she received a denial letter in the mail. That was more than 2 months ago and we are still waiting for the refund. They were lightning fast to take the premium but not so fast in refunding it. I think we are about to turn it over to the Attorney General to see if he can help. Don't fool with these people. You will just lose your money.

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Posted by Skye on 2010-09-04:
Have you contacted them, and asked them where your refund is? You know it won't be a full refund, there will be deductions, such as the time they did actually insure the car, which does not seem like very much due to the fact they denied your daughter. Instead of waiting around, go after them and find out where the heck your refund is.
Posted by Ponie on 2010-09-04:
Skye, GR is a health insurance company. But that's neither here nor there. I certainly agree with your comment. I'd be after them, too--like right now~
Posted by Skye on 2010-09-04:
Whoops, thanks ponie. I just assumed they were for car insurance. But they will still deduct for the time they say she was covered. And as Ponie says, and I said, get moving and contact them to find out where your refund is.
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Underwriters are HEARTLESS
Posted by Mamax3 on 08/31/2010
1)Pre-existing riders right from the start - whatever... 2)Premium increased $200 each year for two years - dealt with that... 3)Have gone over 24 months with NO medical problems but underwriting will not remove pre-existing riders - NOT FINE! POLICY CANCELLED!!!
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Posted by BEJ on 2010-08-31:
What was written into your conditions of insurance? Was it guaranteed in writing that the pre-existing condition riders would be removed after 2 years?
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Stay Away From This Company
Posted by Milan29 on 08/08/2010
INDIANAPOLIS, INDIANA -- Beware!!!! Do not enroll with this company. This company is a major fraud. All they care about is your money. When you first talk to their insurance agent, he/she will quote you an inexpensive health plan which supposedly will cover your medications, unlimited doctors visits, etc. Basically, their agents will give you a sales pitch just to get you to enroll with them. So, whatever the agent quoted you originally is not the same when you first receive your first bill. I should have known that this company is a fraud when the agent was all too eager to get my credit card number even before going over the companies policies. Their agents must be on commission basis. But the real truth is once you're enrolled, they will all of a sudden increase your premium AND you will also find out that nothing is really covered-no meds, no doctors visits. My husband and I were unable to get our medications covered eventhough I clearly told the agent about the importance of our monthly medications(she assured us of course that we were definitely covered). After only three months of paying them, the company completely cancelled our membership. What a bunch of crooks!
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Posted by Helpful on 2010-08-08:
I'm sorry that you seem to be having such a difficult time with your medications. However, if they were such a bunch of "crooks", why would it bother you that they've now canceled your policy after only three months?
Posted by FlShopper on 2010-08-08:
My brother is insured with them, and they have been great.
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Ripped Off
Posted by Jaybob on 07/01/2010
My daughter needed short term month to to month coverage. There was no mention of medical or dental wait times of coverage. After a couple of months she had to 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.
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Posted by FlShopper on 2010-07-01:
This was on their website:
We pay 80% for Basic Services like cavity fillings and tooth extractions after the initial waiting period is exhausted and the deductible is met.
We pay 50% on Major Services like root canals and bridges after the initial waiting period is exhausted and the deductible is met.

They also mention no waiting period for preventive care, but the impacted wisdom tooth falls under the basic services (tooth extractions) listed above.
Posted by Obsfucation on 2010-07-01:
If insurance companies didn't do this, what's to prevent someone who has no insurance from signing up on Monday, getting treated on Tuesday, and cancelling on Wednesday? It is pretty standard practice.
Posted by Weedwhacked on 2010-07-01:
They're protecting themselves against obvious pre-existing conditions.
Posted by Nohandle on 2010-07-01:
I've never had dental insurance in my life so am not certain as to how it works. OB offered a nice explanation. I did have a family member who elected to pay for coverage between jobs. All he was concerned with was if he was involved in an accident or an emergency situation ie/surgery, his medical expenses be covered. He fully realized there was a pre-existing clause on his policy.
Posted by Lifemates on 2010-11-17:
Moved From Other Review: Sure you guys have the right to have a wait time policy for the reason you listed but it is also your job to make sure that the policy buyer is very aware of this.
Posted by jangleton on 2010-11-17:
Moved From Other Review: This person wanted to pay a couple of months premium and get major dental work covered.

You are are supposed to have ongoing dental insurance people. Have it for your check-ups and cleaning pay for it on an ongoing basis. Don't call for dental insurance when your teeth hurt, expect to get your work done, and drop the policy.

Then complain online.....

"My daughter needed short term month to to month coverage. There was no mention of medical or dental wait times of coverage. After a couple of months she had to 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"

Read more: http://www.consumeraffairs.com/insurance/golden_rule.html#ixzz15Xacl2Dv
Posted by jktshff1 on 2010-11-17:
life, it is also the consumer's responsibility (job) to know and understand a contract before getting into it.
Posted by scott on 2012-07-10:
I never heard of a waiting period for dental insurance until i went with this company, ITS B.S. when u pay premiums u expect to get some coverage , not pay for nothing! Well They got screwed anyway HAHAHA had to pay back consumers for health premiums because they didnt use more than 80% of the premiums for heath care, dam fat cats.
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Golden Rule high deductible
Posted by JB102 on 06/28/2010
I got Golden Rule health insurance when I was out of work. I just wanted hospitalization just in case something happened. They would pay 80% after a 1500 deductible. I would probably never use this insurance, but I wanted to have it just in case I had to go to the hospital. A year later, the premium goes up for no reason, I never had a claim, hundreds of dollars, but they send a letter saying, if you up your deductible to 2500, the premium will stay the same, so I took that option. Fast forward another year, and they did it again. The premium is going up hundreds, but if I take a 5000 deductible, it will come down almost to where it was. At this point, this insurance is not worth it anymore to pay coverage on something I would probably never need. If I did have to go to the hospital I would have to pay the first 5 grand before they would start to pay 80%? I'm dropping these people.

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Posted by Ben There on 2010-06-28:
If you are in the hospital for more than a day or two the total will be well over $5K. This still sounds like poor insurance, though.
Posted by Alain on 2010-06-28:
Golden Rule Insurance Company's (they're a subsidary of UnitedHealth Group and based in Indianapolis, IN) chief competitors are Aetna, Inc. (Hartford, CT), Assurant Health (Milwaukee, WI), and Well Point, Inc. (Indianapolis, IN) according to their Hoover's profile. You may want to take a look at policies from these companies if you are considering replacing the policy you're dropping with Golden Rule.
Posted by goduke on 2010-06-28:
Insurance rates have gone up for everyone in the last couple of years.
Posted by RestaurantGuy on 2010-06-28:
Wait till January and see what your insurance costs go up to. You are about to see them double in the next 6 months.
Posted by jangleton on 2010-11-17:
5,000 is nothing now days for a deductable. Get injured or sick and you are looking at tens or hundreds of thousands in medical bills. You would get the care you need with insurance.

Insurance is supposed to be for castostrophic events which you can not handle.

Insurance is now going to go up due to mandated benefits beginning the first of next year.

Many are getting what they wished for - first dollar benefits and higher premiums.
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Posted by Appalled by golden rule on 09/12/2009
INDIANOPOLIS, INDIANA -- After paying 100's of thousands of dollars over a 15 year period and never missing a quarterly payment, this company cancelled us for being $31.short on our check. It was a miscalculation made when writing the check as the premium had gone up and we were'nt familiar with the number. Golden Rule notified us AFTER the due date for the payment and told us we were cancelled! We were given to the first of
September 09 to pay the thirty one dollars, but we received the letter on the eithth of September 09! The postmark was the eighth and the letter was dated the eighth. This company had tried for years to get rid of us even though we are a family of four and two of us rarely file for anything other than annual exams or allergy meds. They are dishonest and hostile.
STAY AWAY! They do not help the consumer and they don't stand behind their product. They are also impossible to reach!
Best of luck if you are already involved with this company. We are calling our attorney.
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Posted by Skye on 2009-09-12:
What does your policy say, regarding not paying the correct premium??
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Read the policy carefully. They slip in exceptions without notice.
Posted by Bberry on 07/02/2009
When my daughter finished college her health insurance coverage under my policy ended. I quickly found searching for coverage for an individual was a challenge. I went with Golden Rule although other companies asked for our business because the policy with my company was United Health Care, and her policy was very similar to what we were accustomed to having.

Golden Rule accepted her for coverage after she provided a complete medical history. At no time was there mention from them to exclusions of coverage not on the old policy. The new policy went directly to my daughter as it should have even though I pay the bill. Months later I happened to see the policy and read it. To my surprise I discovered an exclusion of major significance. The policy excluded medical problems related to her spine.

She had previously been in the back seat of a car that was rear-ended at slow speed. She received treatment for the usual trauma. No hospital time and no permanent injury. Since her policy was approaching the end of its first year I continued it after Golden Rule said they would review her policy concerning the exclusion at the time of renewal.

Her doctor, at renewal time, provided a letter saying she had no spinal issues. Golden Rule, after taking several weeks, refused to remove the exeption again at a time we had no other insurance scheduled to become effective.

The lesson here is to ask lots of questions. Read the policy carefully, before your other insurance lapses. Don't be blindsided by thinking a company's name means they practice the Golden Rule.
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Posted by Slimjim on 2009-07-02:
We used Golden Rule last year and it was terrible. They covered nothing it seemed. Using Humana now and it's night and day.
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