This company is run by criminals and they should be behind bars. I had an upper abdominal injury while on the job, it was covered by my work without an issue. I decided it should be a priority to get insurance for myself when this injury occurred, got it through Golden Rule. About a month later, I was suffering from severe lower abdominal cramping, went to a gastroenterologist with my insurance already active. I was diagnosed with Crohn's, was paying for a 2000 dollar monthly prescription out-of-pocket, with the promise from Golden Rule that it would be reimbursed (totally sleazy and time-consuming process to send them receipts etc.).
After several calls, thousands of dollars and a couple months of them promising that things were being processed, I was denied any coverage because they said my completely unrelated work injury made it a pre-existing condition and that they were not going to cover a cent! FOR THE LOVE OF GOD, DO NOT EVEN THINK ABOUT PURCHASING THIS SCAM OF AN EXCUSE OF INSURANCE!
My infant son was on the health plan from May through June. The entire time I paid over 80 dollars a month, and the insurance covered not a single thing! What a waste of money!!! They would not cover well checks for six months, I was unaware of this until I went to take my 4 month old infant to the doctors. I was so embarrassed to find out that my insurance would not pay for it, and I was charged $150. SO that day I called and complained. They told me there was nothing I could do. They did not notify me online about the 6 month "waiting period" but they did in a huge packet they sent me.
The packet had my son's benefits in it, which I had already read online, only they apparently add stuff into the written document. I asked if there was anything else that my insurance did not cover and they told me no. Just well checks.. sick visits were covered. SO my son got sick and I went to take him in for a sick visit. Guess what?? It was not covered!! They do not cover ear infections, reproductive issues, and some other things like tonsils. Again, I was embarrassed and charged $150. I spent over 400 on insurance that did not pay for a single thing! Even my nurse at the doctor's office said that this was the worst insurance ever!! What a scam!!
I wasted so much money and more importantly I feel like I am a bad mother because I have not been able to take my infant to the doctors for his routine check ups. I cannot afford to pay over $80 a month plus $150 for well checks. All I have to say is thanks a lot!! I hope no new mothers EVER put their infants on this plan!
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 and 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 ** was paid $49 million in 2012 and a total of $156 million between 2008 and 2012.
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 website 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.
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 even though 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!
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.
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 weren't 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 eighth 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.
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 exception 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.
ATLANTA, GEORGIA -- When one applies to Golden Rule they assume you are not applying to anyone else. They debit your account immediately if they accept one of you without making sure first, like most of the other companies do. They declined one of us and assumed the other would take the plan. NO! When I called to tell them I didn't want their plan they said they would mail me a check in about 10 business days. They wouldn't back charge it to my credit card. They can use your money for a few weeks interest free. If this is how it works up front I am really glad I quit them before I found out the hard way.
SAINT LOUIS, MISSOURI -- We received a denial (for my wife) notice a week after debits from our bank account (without a notice) for over $400. My wife, sixty years old is in excellent health and has a doctor that will verify. She takes antidepressants but she also works out every day and you would never know her age. There is no history of cancer or heart problems. All blood work comes back great.
For a person to be denied because there are taking an antidepressant is ridiculous. For one thing, most new policies stipulate that they won't even cover mental health so why not insure? It's a sad state of affairs in this county when someone is denied insurance because they are taking preventative medication. Very unhappy and disgusted.