Golden Rule Insurance Complaint - Golden rule insurance! What a rip off!!!!
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!