Golden Rule Insurance

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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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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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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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Golden rule insurance! What a rip off!!!!
Posted by Catiesundevil11 on 06/26/2009
My infant son was on the health plan from May through June. The entire time I payed 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 embarrasssed 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 apparantly 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 embarrasssed 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 can not 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!

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Posted by Soaring Consumer on 2009-06-26:
Contact your state's insurance commissioner. This sounds like a fraudulent company.
Posted by jangleton on 2010-11-18:
So this is what you wanted to do; pay $80 a month so you could immediately collect twice that!

To me, it sounds like a business that is not in the business of giving away money.

Posted by Concerned and frustrated Grandmom on 2013-06-11:
We have had the same experience. My grandson has ear infections and fluid in his ears. Ped.sent him to Childrens Hosp. for eval. because antibiotics are not clearing his ears or nose . Head ENT at Childrens said he needed tubes in his ears immediately, scheduled with in 72 hours for surg. but a phone call from hospital 15 hours prior to surg. and informed my daughter that insurance denied the pre approval.. Called and they said no ENT until 6 months of coverage. So a 16 month is left with NO ONE being able to clear his ear infections and surgery is needed but this "insurance company" that was very willing to cash that check for policy has denied and if we had the $$$$ paid to them over the past 4 months we could pay for the surgery ... I am so upset that my grandson is so sick since he was 6 months old.
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Golden Rule Not So Golden
Posted by Lake on 02/25/2008
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.
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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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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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