Highest Rated. What a profitable business BIG RIP OFF Obamacare better STOP this Financial Abuse by health insurance companies NOW, I have been trying to reach this company for the past three days. The policy I have has a $5000 deductable and after that everything is covered 100%. i think i can find a better plan elsewhere. Nevertheless, they used this as a pretext to raise my premium by by 18% and gleefully told me that they can raise my rates even if I move across the street, if it puts me in a new zipcode. Very hard to advance in the department. Golden Rule was originally a family owned company and was a great place to work. I have been insured with Golden Rule for 19.5 years. As a result of this cancellation we cannot get health insurance from any insurance company!! I am in the process of contacting the Department of Insurance to make a formal complaint. Insurance Companies. Rate hikes after only 3 month. Im 31 years old, non smoker, athletic. The company also offers Disability Income Protector and Disability Income Protector Plus. Goldenrule denies claims when they know and state that they have inadequate medical records rather than requesting more records. It’s all a gimmick and all the others probably do the same thing, we’re at their mercy and the government allows the practice to continue. I’ll be shopping for a new policy this month. Rates are too high with $5000 deductables. ), so we basically pay for any appts or meds we need. While I’m still trying to get the proof from my mortgage company/escrow account, they send a refund check for my earthquake account (which was part of the escrow payment). Even the most expensive health issues over time will be paid by you anyway by the time all the rate increases occur and the deductibles and copays are met. I have done everything they requested for the appeal and still get the same message, not approved with some clinical reviewer coming up with a blanket statement. Dont care about their patients at all. After going to my first visit I find out that NOTHING is covered except walking into the office. Golden Rule Insurance Company, which underwrites many UnitedHealthcare branded insurance plans, has been rated "A" (Excellent) by A.M. Best. My prescription is not covered unless it’s over $60 (which it is $57.99) so they pay nothing. We cancelled our policy after one year with them and I do not recommend this insurance company at all. High turn over rate. If you were in charge, what would you do to make Golden Rule Insurance a better place to work? This is for all the people out there that do not know what a deductable is. This company is the ultimate feet draggers. ★ Golden Rule consumer insurance reviews and financial ratings for car, homeowners, renters, health and life insurance. Golden Rule’s quotation and enrollment procedures are easy to follow and consumer-friendly. My plan states I have 4 office visits at my copay rate and that at 5 the deductible/co-insurance kicks in. This is a TERRIBLE INSURANCE COMPANY. No real incentives for performance. The people were great, benefits were competitive, but my job was eliminated. Golden rule is a totally disorganized company.Their communication skills are terrible.Although they have every bit of information that they need to contact me regarding my policy I have never received a single phone call or email from them informing me of my status… So we had to call hospitals and doctors to resubmit because we kept getting bills that said we had no insurance. They paid my claims great. Golden Rule Insurance was first mentioned on PissedConsumer on Feb 06, 2008 and since then this brand received 81 reviews. Not enough time devoted to quality training. I called the phone number listed along with the transaction and it turned to be a third party customer service. Help them out by rating your employer. The premiums are affordable with conveniently-located in-network providers in retail stores and private practices. Don’t have their insurance but received a claim denial today 10/7/14 for a prescription back in 12/2013. The idiots stopped me from recieveing my treatment I was went to get my third shot of a six shot series to treat endometriosis and the pharmacy denied to refill it saying that my insurance refused to pay for it any more. However, Golden Rule refused to process my application because I have a current GR policy. Time to move on and stary this application process over again with a new company…. when ask to speak with supervisor the answer is they are in all day meetings. Not only did this company weasel out of paying for claims, but when I canceled my coverage through their automated system, they continued to charge me for THREE months past the cancellation date. These guys deny anything and everything they can and they need very little justification to do so. Insurance Companies in Indianapolis, IN. On the front of the card it has United Healthcare and that is where a lot of places will send your claim. They application comes back with only the non-cancer spouse approved. I was in an extremely violent car crash that has left me (at least) temporarily disabled – the emt’s at the scene refused to take me to a hospital that I knew to be in-network due to the nature of the accident and I ended up in the only true trauma-center in my city…long story short, that hospital was not in-network and as a result, my surgery and everything associated with my recovery has been initially refused – which means a fight, resubmission, etc. It will break your spirit after many years of this. Compare Reviews for Top Health Insurance Companies Sort. because they won’t let me have their other cheaper policy. Most Reviewed. We bought this policy because it was very affordable, but it has increased EVERY 6 months anywhere from $50-$70. Jeffrey Johnson is a legal writer with a focus on personal injury. Always the same letter…increased costs…nothing to do with your claims…increased use and higher charges..new technology blah blah blah! Company History: Golden Rule Insurance Company was founded in Lawrenceville, IL in 1940. Guidelines for handling constantly changing unclear guidelines were not communicated to the front-line workers effectively. Now that they are accountable under the health care reform I suppose they rather cancell policies than actually PAY for health care coverage. If you have an emergency, it will have to wait until Monday. Read ★ Golden Rule customer experiences now. They have raised my premium 100% in three years with the excuse of “in order to provide excellent health care” There coverage is little to nonexistent. Their training program is excellant and I enjoyed working there very much. Ask a question about working or interviewing at Golden Rule Insurance. They are paying way more than $10,000 a year in medical bills! The shot cost 800 without insurance so there was absolutly no way I could afford it SCREW THIS COMPANY AND THE ONES WHO OPPERATE IT. Even if the customer gets then gets the records for them they force the customer to appeal the decision. Review authors value the most Insurance Plans Acceptance. Golden Rule Health Insurance began in 1949. I don’t see much benefit for me with this plan and will look for another plan. If you are a not of color you can work here and advance. CANCER! The whole industry is rotten to the core. STAY AWAY!!!!!!!!!! They will not cover anything. I trained insurance producers (agents) over the phone on how to position Golden Rule Insurance health products and compete against other health insurance carriers in their respective markets. A free inside look at company reviews and salaries posted anonymously by employees. It is a high deductible plan (5000! I was with golden rule(united health) for a few years. However, it has to be sent to the Golden Rule address on the back of the card. Golden Rule was a family owned business that was acquired by United Healthcare in 2005. They care about 1 thing only – BOTTOM LINE. I learned alot about time management due to all work required a dead line. I worked in a call center answering phones all day. I can’t imagine what a hassle it must be to actually file a claim with Golder Rule.I would be faced with a mountain of head aches instead of getting the care that I would need. Free Advice® is a unit of 360 Quote LLC providing millions of consumers with outstanding legal and insurance information and advice – for free – since 1995. Management was helpful and provided team leads to assist also when in need. Principle Sales Methods: Independent agents and brokers nationwide. I paid years of premiums to this company and when I finally did file a claim for an illness they did everything in their power to refute it. To compare insurance rates … We are now faced with paying bills that we thought we were insured for and had paid the premium on and a daughter who at a very vunerable time in her life is uninsurable…DO NOT USE THIS COMPANY!!! As a smaller employer the practices of the company were flexible an worked well for both the company and the employees. I would not wish this job on my enemies. Golden Rule Insurance gave me my first start in the business world and due to our joint effort, I gained several promotions and very valuable work experience. UnitedHealthcare underwrites its policies through Golden Rule Insurance Company, a part of UnitedHealthcare since 2003. I had a policy with Anthem that cost about $20 more a month when I switch to Golden Rule. UnitedHealthOne is a brand representing a portfolio of insurance products offered to individuals and families through the UnitedHealthcare family of companies. Very incompetent. Golden Rule Insurance Company, the underwriting company for UnitedHealthOne, has an “A+” rating with the Better Business Bureau. I regret the day I accepted the job. Earlier today I was so frustrated after trying to reach the company for several hours that I signed up for alternate health insurance. I have been treated like dirt by this company. Golden Rule paid very well. They do everything in there power to not pay a claim however legitimate. IF I ever reach this company I am cancelling my policy. Good pay,but not much chance for advancement. Golden Rule paid for bypass surgery. I am forever grateful to them for the opportunities they offered me. This basically was an inside sales position. How often do you get stiches or break a leg? 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