Golden Rule Insurance - Page 2

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1.0 out of 5, based on 2 ratings and
14 reviews & complaints.

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Underwriters are HEARTLESS
Posted by on
LAWRENCEVILLE, ILLINOIS -- 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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BEJ on 08/31/2010:
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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Ripped Off
Posted by on
INDIANA -- 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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FlShopper on 07/01/2010:
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.
Obsfucation on 07/01/2010:
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.
Weedwhacked on 07/01/2010:
They're protecting themselves against obvious pre-existing conditions.
Nohandle on 07/01/2010:
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.
Lifemates on 11/17/2010:
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.
jangleton on 11/17/2010:
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"

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jktshff1 on 11/17/2010:
life, it is also the consumer's responsibility (job) to know and understand a contract before getting into it.
scott on 07/10/2012:
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 didn't use more than 80% of the premiums for heath care, dam fat cats.
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Golden Rule High Deductible policy Plan 100 is a scam!
Posted by on
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 than $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...
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Failed To Insure Family
Posted by on
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 after full disclosure of my families few health issues, I was issued a policy. To my surprise, my 15 year old daughter WAS NOT covered under the policy. She has had 2 medical issues - she is a cancer survivor diagnosed at age 6 months with no recurrence. She had another illness 2 years ago which was self-limiting and has required no follow up. Despite being assured that my children would be covered, she was simply not included in the policy that was sent. There was nothing about pre-existing or a waiting period. Just simply not covered.

I believe the intention was not to insure the family, but without turning us down outright. How can I have medical insurance that does not insure one of my children?

Don't deal with them. I wish I had seen this site before I applied.
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User Replies:
Anonymous on 11/27/2007:
What did they say when you questioned them about your daughter not being included in the policy?
Anonymous on 11/27/2007:
kardra, I just did the same thing you are trying to do and I saved over $600.00 a month on mine, I am self employed and have a preexisting condition myself (Heart Attack). First know that an insurance company is a business and they don’t care about you me or anyone else because they are a business. It all depends on whom you talk to and how much you know before you talk to them. By this I mean do a little recherché on what you think you can afford and what you really think you need. Example: if you are getting a lot of prescriptions filled and you have to pay a co-pay does it really save you money? When I did the number’s in my case it did NOT, it fact it cost me more than if I didn’t use insurance. Also if you do use your insurance they now control what you can get, when you can get it, how much you will get at one time and so on, they know more than the Doctors so they think. Buying drugs from pharmacies now a day it just like buying drugs off the street. You really don’t know what it is you are getting and you don’t really know how much it is worth. If you control the buying process you can get much better deals by buying in bulk and all you need do is talk to your doctor about the ones you will be taking for a long time and he/she will write you a script for a bigger quantity and you save. There are many things to consider like this and below I have a few good places for you to look at and they have much information on how to get the most for your money and how to get your little girl covered as well.

Remember The Golden Rule is just what they used to make you think they are on the up and up. Hope this helps and I wish you and yours the best.

The ethic of reciprocity or "The Golden Rule" is a fundamental moral principle which simply means "treat others as you would like to be treated." It is arguably the most essential basis for the modern concept of human rights.

How Health Insurance Works

What exactly is it you're paying for, though? Where does your monthly premium go if you don't get sick or go to the doctor? What do you do if you're not working or you're self-employed? What's the difference between all of the various plans there are to choose from? The maze of information you have to wade through about claims, co-pays, co-insurance, deductibles and more is enough to make your head swim.

Coverage Basics: How Health Insurance Works
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