Golden Rule Informative - Read the policy carefully. They slip in exceptions without notice.
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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