Golden Rule Insurance

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Golden rule insurance! What a rip off!!!!
Posted by on
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 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 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 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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Soaring Consumer on 2009-06-26:
Contact your state's insurance commissioner. This sounds like a fraudulent company.
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.

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 within 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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Problem Cancelling Policy
Posted by on
Rating: 1/51
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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Slimjim on 2014-02-04:
The CEO's pay is not relevant to your complaint.
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Don't fool with these people
Posted by on
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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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 because they denied your daughter. Instead of waiting around, go after them and find out where the heck your refund is.
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~
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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STAY AWAY FROM GOLDEN RULE/UNITED HEALTH CARE
Posted by on
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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Skye on 2009-09-12:
What does your policy say, regarding not paying the correct premium??
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Golden Rule Not So Golden
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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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Horrible Do not use them they are terrible
Posted by on
Rating: 1/51
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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Stay Away From This Company
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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!
     
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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?
FlShopper on 2010-08-08:
My brother is insured with them, and they have been great.
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Golden Rule high deductible
Posted by on
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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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.
Alain on 2010-06-28:
Golden Rule Insurance Company's (they're a subsidiary of UnitedHealth Group and based in Indianapolis, IN) chief competitors are Aetna, Inc. (Hartford, CT), Assurant Health (Oregon, 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.
goduke on 2010-06-28:
Insurance rates have gone up for everyone in the last couple of years.
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.
jangleton on 2010-11-17:
5,000 is nothing now days for a deductible. 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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Read the policy carefully. They slip in exceptions without notice.
Posted by on
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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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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Don't Use Golden Rule
Posted by on
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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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.
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€¦.
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!
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.

Thanks
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.
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.
cate on 2012-01-20:
I wish only the worst for all insurance companies come 2014!
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