United Healthcare

United Healthcare Golden Rule

Golden Rule Insurance Company is a major provider of health insurance for individuals, life insurance, and annuities. An innovative leader in the health and well-being industry, UnitedHealth Group currently serves nearly 70 million individuals nationwide with products and services to help people achieve better health. Golden Rule health insurance plans are built to provide clients affordability, access, quality, and simplicity. Their plans provide clients with access to a national network of preferred providers and network discounts. 

Golden rule offers a variety of health plans, so you can find the coverage you need at a price you can afford. The three main types of plans offered are: Health Savings Account (HSA) Plans are an excellent choice for individuals and families who want to control their health insurance costs by combining a lower cost high deductible health insurance plan with a tax advantaged savings account and network discounts. 

High Deductible Plans may be ideal for those willing to take additional responsibility for routine health care expenses in exchange for lower premiums. This is mainly a hospital plan that provides a safety net of coverage. Co-pay Plans are designed for individuals and families who prefer the convenience of co-pay benefits for routine health care expenses. Co-pay plans include unlimited office visits and Rx coverage. 

Golden Rule offers competitive rated individual and family health and dental insurance coverage in Texas. Small Business Group Insurance is offered through UnitedHealthCare. 

Plan Highlights 

Health Savings Account: lower premiums; Tax-advantaged savings with an attractive interest rate; $1,100 to $5,000 deductible; Coinsurance 100% after deductible for inpatient charges for the HSA saver plan; Coinsurance 100% after deductible for all outpatient, inpatient, preventive and Rx charges for the HSA100 plan. 

High Deductible Plans: Deductibles offered $500 to $5,000; coinsurance after deductible for Plan100 is 100%, for Plan 80 and Saver 80 is 80% after deductible till out of pocket maximum is paid; $3 million lifetime maximum benefit. Preventive care, child immunizations, doctor visits, Rx not covered/ do not count towards deductible; Can purchase Maternity as optional benefit. 

Co-pay Select Plans: Deductibles offered $500 to $5,000; coinsurance 80%; Select includes Adult preventive care (history and exam) @ $35 co-pay, $300 annual maximum not subject to deductible; Child preventive care (history and exam) @ $35 co-pay, $300 annual maximum not subject to deductible, child preventive care immunizations $300 annual maximum ages (0 � 18); Unlimited Doctor visits at $35 co-pay; Outpatient and Inpatient medical charges at 80% after deductible is met; Generic and Brand name Rx covered with a co-pay. 

Co-pay Saver Plans: Deductibles offered $500 to $5,000; coinsurance 80%includes inpatient services at 80% after deductible is met; includes 2 Doctor Visits per person per year with option to buy 2 more. Brand name Rx not covered. Preventive Care Doctor Office visits and immunizations not covered. Preventive care testing covered at 80%. 

Agent’s Recommendations 

HSA100 is Golden Rules most popular plan; it is an HSA compatible low premium plan that pays 100% after the deductible is met.

If you are looking for maternity coverage, Golden Rule offers maternity benefit as an optional plan with Golden Rule High Deductible plans and Co-pay Plans. Golden Rule has an extensive network due to it is affiliation with UnitedHealthCare and has benefits available throughout the country. 

About Golden Rule 

Golden Rule is rated "A" (Excellent) by A.M. Best, and "A+" (Strong) by Standard & Poor’s. These world-wide independent organizations examine insurance companies and other businesses, and publish their opinions about them. These ratings are an indication of our financial strength and stability. In 2003, Golden Rule became a proud member of the UnitedHealth Group family of businesses. UnitedHealth Group serves nearly 55 million individuals nationwide with products and services to help people achieve better health. Golden Rule Insurance Company is celebrating its 60th year dedicated to the health and well-being of individuals and families across America. Golden Rule is known for their outstanding service, processing more than 94% of all health claims within 10 working days or less.* Their focus on affordable, quality health insurance for individuals and families has led to many innovations. They pioneered Medical Savings Accounts in 1993. Today, known as Health Savings Accounts (HSAs), these health plans combine lower-cost, high deductible health insurance with a tax-advantaged savings account. HSAs are a fast-growing, affordable alternative to traditional health plans and Golden Rule is the market leader. 

UnitedHealthCare network across all 50 states 

Physicians - 470,000 

Hospitals - 4,500

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