Stay Away From This Company
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 ... read full review2 Replies - Latest reply on 08/08/2010
PHOENIX, ARIZONA -- Don't fall into this trap by Golden Rule:
Plan 100 for families has a hidden "limitation". You basically will NEVER be covered, UNLESS BOTH OF FAMILY members pay the full yearly amount of their deductible at the same time (year). For example: If one member of a family members gets injured and requires a costly care, no matter how much he/she pays out of pocket, he/she will not be covered because the second member of this family has to pay the full amount of their half of the deductible first (at the same time)???!!! So basically unless both are in a hospital at the same time and have paid the yearly deductible together, no one is ever going to be covered!!!
I was glad to find that out on the same day my application was submitted and wasn't unfortunate enough to learn about this policy limitation by spending more then $10000...
Second point was: although I withdrew my application on the same day, they are still willing to charge me for the first month without my formal approval and only then refund me with a check...
Another flaw: there's a $3 MANDATORY subscription for a useless discount company called FACT that provides you with some sort of discounts on Medicare and cars and stuff...
All in all looks bad to me...
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?
1 Replies - Latest reply on 02/04/2014Add reply
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.
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 downAdd reply
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. 3 Replies - Latest reply on 09/04/2010Add reply
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!!! 1 Replies - Latest reply on 08/31/2010Add reply
Golden Rule high deductible
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 ... read full review5 Replies - Latest reply on 11/17/2010
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.
Failed To Insure Family
In attempt to lower my premium for my current individual health insurance policy, I researched companies and applied to Golden Rule/United Healthcare.
After much discussion and promises of lower premiums ... read full review2 Replies - Latest reply on 11/27/2007