They paid my claims great. Did you find this review helpful? FreeAdvice.com strives to present reliable and up-to-date legal information and advice on home, car, and life insurance. 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!!! 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. IF I ever reach this company I am cancelling my policy. Stay away! They do NOT answer their phones. According to GR, I’m stuck with paying 360% more (this is not an exaggeration!) Golden Rule was a family owned company. I don’t know where to start. I have been insured with Golden Rule for 19.5 years. Company only wants to reward front line workers with junk food each month. AARP says that many adults over 50 are not receiving regular eye care, likely due to a lack of vision insurance… Business Profile. The people were very professional and trained. Great pay, decent benefits. The best thing about this company was my co-workers. GMAC/Homesite received a check from my escrow account on 12-24-08 – then cancelled me in 2/09. Im 31 years old, non smoker, athletic. I loved this job. All preventive care is out of pocket. I regret the day I accepted the job. It is very upsetting to keep getting these letters! Please verify any direct legal advice or rate information with your attorney, insurance company, or agent, respectively. Good luck to you. worst insurance company ever. I am proud to pay it every month because in our situation, they have been wonderful. I was pleased with their payments. We cancelled our policy after one year with them and I do not recommend this insurance company at all. Scam! My prescription is not covered unless it’s over $60 (which it is $57.99) so they pay nothing. All in who you know - politics. The company has been selling short-term health insurance for … If your deductable is $2500, you will owe $850. They have been wonderful I have not had one bad experience with them. Golden Rule paid very well. Golden Rule Insurance Company. Our opinions are our own. This is a TERRIBLE INSURANCE COMPANY. The hardest part of the job was being cussed out by people calling in each day. Get weekly updates, new jobs, and reviews, The most useful review selected by Indeed. I got my start at Golden Rule. Golden Rule Insurance ranks 200 of 995 in Insurance category. “PLAN 100” for FAMILY is a scam!You will never be able to meet your deductible unless 2 of the members of your family pay the deductible at the same time (same year). ★ Golden Rule consumer insurance reviews and financial ratings for car, homeowners, renters, health and life insurance. Golden Rule Insurance Company, which underwrites many UnitedHealthcare branded insurance plans, has been rated "A" (Excellent) by A.M. Best. The company also does a nice job of presenting consumers with multiple options and in a … The interaction with this person was the reason I pursed a different job. In April again this year I have been informed by the company that my rates are going up an additional 16%. The lady on the phone in 2011 lied about when I asked how many co-pay visits I can have she said 4 She did not tell me that for 4 extra I can have unlimited co pay visits and for that I picked wrong plan which has cost me a lot of money. They think people will get tired of the hassle of resubmitting and just pay the bill (which I have done a few times). They were very wrong when the application process took over 2 months and my application was denied because the underwriters declared that there was not enough information to accept the application. Favoritism was a way of life in claims at GRI. I was with golden rule(united health) for a few years. If you do not have insurance, most hospitals have a discounted rate program that will reduce the bill by 30% – 40%, unless you are rich and do not get approved. I moved to a new zip code 4 months ago. It took 5 or 6 days for prior approval and then they didn’t pay for it anyway. They increased my health insurance premium by 20% this year when I had no claims against the company. My responsibilities included relationship building and health insurance product training. I would never reccomend them to anyone! Golden Rule just recently raised our rates 97%. If for some reason something happens and you need a different prescription that you did not need when signing up they will not cover it. Golden Rule Insurance ranks 196 of 986 in Insurance category. As a smaller employer the practices of the company were flexible an worked well for both the company and the employees. Health Insurance company, it was a great place to work. It is a high deductible plan (5000! Disclaimer: The result was increased health insurance sales and new commissions for agents. All of this equals massive stress – just what someone who cannot work, has a 4-month old child, and may never walk again needs, right? I highly recommend Golden Rule to anyone who does not have coverage or is self-employed. 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). The overall rating of the company is 1.4 and consumers are mostly dissatisfied. 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. This company is a joke. I have been treated like dirt by this company. They are crooked and very corrupt. There was also lots of opportunuty to advance. Dont care about their patients at all. Low balls initial premium and after 1 year starts raising it every 6 mos about 15%. They rejected a claim for a physical BUT my policy clearly states I have full coverage for preventative services which includes a physical. We have a high deductable at $10,000 and Golden Rule to pay 100% after that. Nothing on FreeAdvice.com constitutes legal advice and all content is provided for informational purposes only. It’s a joke. Now that they are accountable under the health care reform I suppose they rather cancell policies than actually PAY for health care coverage. Please take my advice and get any insurance but golden rule. 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. Avoid Golden Rule Insurance as much as possible. Earlier today I was so frustrated after trying to reach the company for several hours that I signed up for alternate health insurance. They are unorganize and you have to find work to do. … I would be better served to just put the money in a savings account and pay out of pocket. It would cost me 120 for the generic Ambien CR 2.5 mg more than the generic Ambien. To compare insurance rates … Put the $250 per month in a savings account instead and pay the discounted medical bills if and when you get them. They are liars and thieves. Customer services is fantastic! UnitedHealthcare underwrites its policies through Golden Rule Insurance Company, a part of UnitedHealthcare since 2003. Highest Rated. Another point: although I chose to withdraw my application same day it was submitted they still are going to charge me without my formal approval for the first month, and only then refund me with a check… Another thing is: Mandatory participation in FACT, which is $3 a month subscription for a membership in a company that specialises on discounts and gives you some sort of discounts on eye and dental care (which I wouldn’t need).In overall this all looks pretty bad to me… Considering that PLAN 100 is a very popular plan I can only hope those poor victims will find out about this before they spend 10th of thousands of dollars…. No one should ever apply with this company! Bottom line – they do not want to pay out on claims. Finding trusted and reliable insurance quotes and legal advice should be easy. God is awesome! Our community is ready to answer. 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… The overall rating of the company is 1.4 and consumers are mostly dissatisfied. Don’t have their insurance but received a claim denial today 10/7/14 for a prescription back in 12/2013. I feel that this is a scam to get out of paying bills. I worked with wonderful people. High Call Volume, difficulty in advancing, This Job is so stressful. Initially I filed the application with the United Health and expected this name to appear on my credit card statement but instead the application fees appeared under"Miscellaneous Items" 2 weeks later.I did not know that it was the United Health. Even if the customer gets then gets the records for them they force the customer to appeal the decision. They cover EVERYTHING from doctor visits to prescriptions. They denied my 4 year old triplets coverage for asthma and allergies. Golden Rule Insurance Agency provides quality Life Insurance solutions for clients near Osage Beach,Lake Ozark,Eldon,Camdenton,Sunrise Beach,Lebanon, MO. they are always raising the premium. They Cover NOTHING except basic wellness I could just go to a women’s clinic and not pay 200 per month Customer service is non existent. ), so we basically pay for any appts or meds we need. And…with all of their denials you are better off with no health insurance and just risk it. I am paying for everything in addition to paying the premium. Since becoming a part of a large corporation there is much more structure and less ability for flexibility. So I will contact my state insurance commissioner about why laws allow such capricious approaches to defining insurance risks. They wanted me to sign a rider denying to cover treatment for psoriasis. Only complaint is concerning their premium rates which do rise higher than perhaps normal after first couple years. This place is great if you are not a person of color. I worked in the IT department. For example: if you are severely injured and pay well over your deductible you will still not be covered, because another member of your family has to meet his/her deductible, too!!?? Read Review He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. I would also like to note that we know other families with children with cancer who have 80/20 plans. Their training program is excellant and I enjoyed working there very much. Bait and switch company. Most Reviewed. Save my name, email, and website in this browser for the next time I comment. They did not follow my instructions when I tried to change my plan, they gave me and my doctor FALSE information about my plan. This is after I confirmed with my physician that the entire medical record was provided and a letter was written explaining what information was “missing.” This is not a customer friendly company. The plan I have is a basic … And say I must re-apply for coverage with them and pay again.Every year, they either bill the wrong mortgage company or say they haven’t received the payment. I can’t say enough about this health insurance. My perfectly healthy daughter cannot now get any insurance at all…this is nothing short of criminal, how any company or government can inflict this on our babies is just unthinkable. This practice has been going on for over 6 months and still no one has recieved any money. Once every 5 years? I am in the process of contacting the Department of Insurance to make a formal complaint. because they won’t let me have their other cheaper policy. Waste of Money. when ask to speak with supervisor the answer is they are in all day meetings. Health Business: Golden Rule sells Health insurance through PacifiCare and United Healthcare. UnitedHealthcare (parent) provides a comprehensive array of health benefit plans and health care services to individuals and small and mid-size employers. Goldenrule denies claims when they know and state that they have inadequate medical records rather than requesting more records. Good luck getting any satisfaction from these folks, they don’t care or they will give you the run around just to get you off the phone. You must be able to type fast and talk at the same time. I live in a rural area, where health care providers and costs are uniform over 100’s of square miles. This is a great place to work if you are a young employee looking for a place to start your career. extremely high premiums, lousy customer service, idiots for underwriters who rely on incorrect information in making decisions. They take care of claims as stated and we have never been questioned. This basically was an inside sales position. Rates are too high with $5000 deductables. These guys deny anything and everything they can and they need very little justification to do so. When I said to their rep that it didn’t make sense that they would rather lose me as a customer than make an exception, she essentially said, “yes.”. I was lucky to find out that by asking them a lot of questions at the time of my application was submitted. For people who … Golden Rule has paid every claim after the deductible 100% as the claim states. Golden Rule Insurance was first mentioned on PissedConsumer on Feb 06, 2008 and since then this brand received 81 reviews. They wouldn’t cover a biopsy because I was short the 6 month waiting period and it was concerning a reproductive organ. I would not wish this job on my enemies. I have had Golden Rule for 11 years and have had cancer twice during that period. B5F422B6-2841-451D-8211-E654F05FB4F0 983D32A5-B53B-4C94-B0B6 … Thinking the doctor’s office may have just coded it incorrectly I called to have the code verified. Just facts.1.While a representative and I have not set up a date for premiums to be withdrawn from my accountmy account was charged and it resulted in multiple overdraft fees.2. This company is not in business any longer. Review authors value the most Insurance Plans Acceptance. Dropping. I am healthy as a horse, never had a thing in my life. Eye health becomes even more critical as you age. If you have an emergency, it will have to wait until Monday. Bad management. As a smaller employer the practices of the company were flexible an worked well for both the company and the … They application comes back with only the non-cancer spouse approved. Guidelines for handling constantly changing unclear guidelines were not communicated to the front-line workers effectively. Awful service and no network doctors. Now the deductible is 10000 per year and the premium is 256.00 per month. These guys are crooks. F2 Help from a historic brand Together, … It has been an accredited company with the BBB since … Clearly, you were lucky. Jeffrey Johnson See reviews for Golden Rule Insurance Co in Salt Lake City, UT at PO Box 31374 from Angie's List members or join today to leave your own review. They handled my claims according to their policy benefits. After going to my first visit I find out that NOTHING is covered except walking into the office. Good pay, decent work environment, good benefits. You could only go to the restrooms on your breaks. In April 2012 I received a letter from Golden Rule stating that they were raising my rate 16%. Read ★ Golden Rule customer experiences now. Golden Rule in my experience lives up to their namesake. After an arduous application process, in which they tried to hide the fact of a $3/month add-on charge. I learned alot about time management due to all work required a dead line. Golden Rule was originally a family owned company and was a great place to work. do not sign with them. Get the HSA! Then when i got coverage for my son only, my premium was charged twice in one month. I only have insurance because I have a high risk job and my premium is only $185 per month with a $750 Deductable. This Golden Rule review will cover Golden Rule ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. I am a very healthy, fit person with very few claims through out my life. 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.I get different answers to the same questions every time I call them.They are painfully slow when processing and reviewing insurance forms. Also, this happened even when we told them to make sure they send it to Golden Rule address. Life Annuity Business: Golden Rule sells Life insurance through United HealthCare. Golden Rule Insurance Company. 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. Since one parent is also on the policy, the deductible is already met, that medical coverage is taken care of as well.This has been one heck of a way to experience what having insurance means. It was correct. Broken leg $1800, you will pay $1800. Do the math, Stiches while insured will run about $850. Basically unless you and another member of your family are injured at the same time and fully pay the entire amount of the deductible together, no one is covered… Their policy is very tricky and it’s not clearly stated anywhere. It was the foundation for a great career. Golden Rule Insurance Company has an A+ rating with the Better Business Bureau (BBB). Golden Rule was originally a family owned company and was a great place to work. They will not cover anything. I have been forced into a policy with a 3000 deductible which is nearly impossible to reach since they don’t deduct from the deductible many out of pocket expenses that that the insured pays. They are refusing to refund the money they took from my bank account although those charges are for the months after my policy was canceled. Our goal is to be paid by the insurance card is very confusing and will go health! 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