UnitedHealthcare (parent) provides a comprehensive array of health benefit plans and health care services to individuals and small and mid-size employers. A company's rating is calculated using a mathematical algorithm that evaluates the information in your profile. The overall rating of the company is 1.4 and consumers are mostly dissatisfied. I called again today and found out the claim was denied, and all the rep could tell me was because they “were not covered services.” This does not make any sense according to my summary of benefits. They have a long history of providing high-quality health insurance products that both easy to use and cutting edge. Purchased an individual dental policy from these clowns in July, no longer need it after a month. But they took my premium every month. Golden Rule Insurance ranks 201 of 995 in Insurance category. The customer service people are rude (unless you are buying something). Should have been covered. Market Segment: Insurance. HealthiestYou by Teladoc Health is not insurance and is not associated with any other insurance product for which you are applying. I also had a dental and accident plan with them, which I never used so I won’t speak on those. Products. All Rights Reserved. I'm an Attorney so no legal fees. Dont apply for any of them. Golden Rule Insurance Company is a Colorado Insurance Company filed on December 14, 1979. Golden Rule Insurance Company has a 3.68 out of 5 star BBB composite score based on four customer reviews and 20 total complaints. Rights Reserved, You Are About to Contact PissedConsumer.com. Clearly they think I intentionally got a hernia. Sign up to receive our free weekly newsletter. This company charges me and arm and leg each month and doesn't hardly cover anything anyway. The bank (Bank of America) can't cancel it. After talking to them some one signed me up for a totally *** plan that was not the 80%/20% that I had told them I wanted. What happened? 2017 I called again some one switched the type of insurance to a different type of policy, I was assuming that I had the same coverage. Maybe I will get a prorated refund as they say (who knows when), maybe I won’t. The algorithm parameters are: users' rating, number of resolved issues, number of company's responses etc. I finally got a hold of someone the other day and was told no one knew what was going on with this. Golden Rule Insurance Company Reviews (10) Add a review. Review #1059994 is a subjective opinion of poster. There is no way to speak or contact anyone with authority. After having a TIA or mini stroke as they are called was surprised when they did not cover a thing. In the mean time, my bank account is close to zero because of this, I am not a millionaire, I have kids to feed and a mortgage to pay. Car Insurance; Homeowners Insurance; Renters Insurance; Life Insurance; Health Insurance; Business Insurance; Info Center. Sign in to contact user. On August 9th I get a letter stating they are dropping me due to pre`existing condition! Tried to contact them to cancel it and have been placed on hold for over two days for over an hour each time. Waited on hold for 30 mins to as hour and then it said error with call and hung up (This was your service, not my phone). pre-existing condition. Review #1640529 is a subjective opinion of poster. Unsubscribe easily. Golden Rule Insurance Company. Short term are a good not great plan for those that need some form of insurance and they are affordable in most cases.Your are correct that major medical would be great but,in most cases it would cost about half of many working people monthly salaries. Apparently they went up on my premiums. Insurance Companies in Indianapolis, IN. Like the prior 2 yrs. Hours of wasted time on hold. I was put in the hospital and had Emergency surgery set up for surgery! Find Reviews, Ratings, Directions, Business Hours, Contact Information and book online appointment. Horrible customer service-confusing billing. [ Close Window] (866) 886-6862. I hardly ever go to the doctor or hospital. Funny thing was that's all got. Golden Rule Insurance Company Vision Insurance Review. Donald Trump is using the courts to erase the ACA because he is working for the insurance companies who dont want to convert pre existing. When it was supposed to cancel, can we please just entirely cancel my plan. There is not enough information available to create the chart. I'm extremely dissatisfied with Golden Rule's service, and will NEVER use their Insurance again. It is the other way around. This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. THEY ARE CROOKS!!!! Additional Information: Golden Rule Insurance Company is headquartered in Indianapolis, IN. I don't even care for the money back I just want to be taken off the insurance as I plan to get long term anyways. I cancelled my premium through their online system-then spent over an hour in the phone to cancel the additional policies attached to the main policy. I do not recommend purchasing anything from this company. Contact Golden Rule Insurance Customer Service. Now I am diagnosed with a condition that will prevent me from finding another company who will take me. Please advise. Communication is poor and wait times are way too long. No ID card. I had a fixed indemnity plan which is supposed to pay a fixed rate for covered services. I do not have time to keep calling and calling and calling. I purchased a plan for 2020 to supplement or cover the the deductible of my primary health plan. It took over two months for them to process the claim, in which I had to call multiple times to check and wait on hold sometimes for hours. I’d rather go without anything than flush my money down the toilet on this “insurance”. Golden Rule Insurance was first mentioned on PissedConsumer on Feb 06, 2008 and since then this brand received 81 reviews. As a smaller employer the practices of the company were flexible an worked well for both the company and the employees. I just want to know the new premium amount and pay it? 1 hour on wait time??!??!!?" After this company ripped me off now I need to pay the they didn’t pay and go get attorneys so where’s is all this money come from and this insurance just collected people money and get to kept for nothing (This Nothing But AMERICANS agreed). The average premium for group insurance, also called company-based health insurance, is around $574 a month; however, as most companies pay roughly 82% of … Out $200. To take advantage of hard working individuals at time like this wrong and immoral!!! UnitedHealthOne is a brand representing a portfolio of insurance products offered to individuals and families through the UnitedHealthcare family of companies. I am not happy with this service or coverage from the beginning. It's ridiculous. Their insurance really is only good for anything catstrophic, which is were many health insurers … Review #1161451 is a subjective opinion of poster. Blog article, me too horrible ,es lo peor que pueda haber visto en anos no te atienden bien te atiendes super mal son unis groseros y hay descriminacion por ser hispano no se lo recomiendo ni a mmi peor enemigo.es la mexperiencia mas mala que he recibido en toda mi vida .que mas, How to cancel my vision insurance? I needed gap insurance and through the "marketplace.gov" unfortunately I picked Golden Rule. Review #1181781 is a subjective opinion of poster. They obviously are trying not to pay the $180,000.00 in hospital bills. In some cases, you can get coverage as soon as tomorrow and can cancel anytime without a termination penalty. I need to why I owe more money when I never received my card and then they tried to send a letter stating my first base payment never went through went it specifically tells me in my bank account that it did and for the past three months since March 28th, I have been paying $6 almost seven dollars has been taken out of my account even though in April on the 21st they stated that if I do not pay over $280 (I do not have any idea where that number came from) that my insurance will get canceled and all payments will cease. Yes, I understand it is a fixed indemnity plan. Having a baby? And after 8 months later I started getting the letter we have the money to cover but it is pending upon further info! But, I do know the professionalism and courtesy of various reps was not consistent, some were just rude and I’m assuming because they deal with angry and mislead customers all the time. It's drafted from my checking account. It's now been over a year and they still insist that they need more information about my past from my doctors. It's drafted for my checking account, I want to cancel my vision insurance but I don't have policy number. Later on, I started to have shortness of breath and found out I needed to have my aortic valve replaced. So nothing is covered. I called right back only to find out that the offices were now closed. See reviews below to learn more or submit your own review. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. Is there anyone who can call me back at 630538****? Customer Reviews. I have 25-30K in bills and have had no help. They never called, I have no idea what the new premium is ?? One of the best Insurance business at 7440 Woodland Dr, Indianapolis IN, 46278. Good luck trying to get someone on the phone or someone who can find your account. Thinking about suing them for my time and punitive damages. Reviewers write the most about Golden Rule Insurance Customer Care and give it 3.0 stars out of 5. Golden Rule This Golden Rule review will cover Golden Rule ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. It was acquired by UnitedHealth Group in November 2003. The price level of this organization is high according to consumer reviews. Review #1320540 is a subjective opinion of poster. I sighed up and paid for the premiums. In total, I have sat on the phone trying to cancel my policy for over 6 hours. I was denied coverage because I had cancer 7 years ago, without chemo. They have been accredited since 1985 and have a total of 17 complaints on file in the past three years. I have been on hold this morning for 3 hours so far. I ultimately had to file a stop payment and cancel my credit card to get the premiums to stop being processed. BBB accredited since 5/19/1985. These are super common things that happen to people. On Jan 3 I received a letter returning my Dec payment stating that I no longer have insurance??? I could not imagine having to actually attempt needing a claim covered with these yahoos. So they did not initially disclose the reason, but I believe happy to receive the $20 application fee. If I could go back, I'd never settle for this company. Industry: INSURANCE: LIFE & HEALTH. Review authors value the most Insurance Plans Acceptance. Still taking premiums from bank. 9.3 Trust ScoreOut of 10. It has been an accredited company with the BBB since 1985. 12 Golden Rule reviews. Review #1523512 is a subjective opinion of poster. I'm out $2500. I don't have an auto account payment so I guess I could just stop paying and it would take care of itself but I'm trying to be considerate. ConsumersAdvocate.org Rating: 4.5 / 5 (Excellent) Our content is free because we may earn a commission when you click or make a purchase using our site. I did not even care to argue further for just a few hundred dollars. Since my house was under contract it was imperative that the roof get replaced as soon as possible. Wow. Oh well insurance don’t want to pay. I got some paper cards in the mail with insurance ID numbers. Plus, short term plans offer a range of deductibles making it easy to find the right benefits at the right price. I was transferred from person to person and each one said they are the wrong department. Since becoming a part of a large corporation there is much more structure and less ability for flexibility. Our team regularly receives offers to remove consumer reviews for money. Original review posted by user Jun 12, 2017. When a rep finally answered, she said she could not help and had to send me to another department, put on hold again, only to be told that dept could not help me. I have no idea what they actually would pay for. For more information about reviews on ConsumerAffairs.com please visit our Cancelled policy. I suggest that anyone who sells policies from this company reconsider on a moral honesty basis. Last winter I fell on the ice and the plan did not cover the x-rays. Review #2301455 is a subjective opinion of poster. Golden Rule Reviews. Company History: Golden Rule Insurance Company was founded in Lawrenceville, IL in 1940. B Marketing ScoreA – F Grade. Starting at. She said she will look into it and I will be refunded why I am due. A whole hour just waiting. Short term health insurance is a great way for people to fill gaps in insurance coverage without sacrificing routine healthcare services. I have tried to call several time and always on hold for 20-30 minutes there is no other way that I have found to get a hold of them other then sit on the line. Last month I went to the dermatologist and it did not cover having pre-cancerous lesions zapped with liquid nitrogen. Someone is lying or too lazy to look into the problem. Thanks a lot. Click on a carrier below for more information including claims and policy specifications. We value your privacy. ★ Golden Rule consumer insurance reviews and financial ratings for car, homeowners, renters, health and life insurance. I recently went in for a colonoscopy, which required a follow up CT scan and bloodwork. Golden Rule Insurance Company; Industry: Health insurance: Fate: Acquired by UnitedHealth Group: Founded: 1940; 80 years ago () Founder: J. Patrick Rooney Headquarters: … Original review: April 15, 2020 Since the Coronavirus Pandemic has started Golden Rule Insurance has been charging my credit card for my insurance premium. 18 customer reviews of Golden Rule Insurance Company. See My Price Stay covered in the mean time with a short term health insurance. Related insurance products offered by either company may be medically underwritten – see the product brochures and applications. Tell me, Ill pay it? Trying to cancel insurance. I'd like to cancel my dental plan with Golden Rule, but it's hard to connect with Rep. by calling the service no. I had a similar issue, the call center takes an hour to get through. By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. They need to right a wrong its time people hold people like this insurance companies are holding their feet to the fire by a class action suit! I URGE YOU ... DO NOT USE THEM! Check our FAQ. Register Now. Been waiting on phone for 2 hours. Benefits, Exclusions & Limitations (pdf) (Sample rate is base monthly premium only for a Health ProtectorGuard Choice Value plan for unmarried female 24, non-smoker, ZIP code 46259, $12,500 deductible, 60/40 coinsurance.) Golden Rule Health Insurance Company is well rated by independent institutions. Review authors value the most Insurance Plans Acceptance. Enjoy reading our tips and recommendations. … Review #1371034 is a subjective opinion of poster. Was this review helpful? They have only paid my medical pill $436 and left me with 19k to pay out of my pocket to the hospital. Golden Rule Insurance Company was a provider of health insurance based in Indianapolis with operations in 40 U.S. states and the District of Columbia. Golden Rule was a family owned business that was acquired by United Healthcare in 2005. Stay away from this company they do the typical *** move and sit on the bills as long as they can prior to paying. Ripoff Report on: Golden Rule Insurance, United Healthcare - Golden rule insurance united healthcare takes your money and denies all claims birmingham alabama Pissed Consumer © 2020 All While in the process of selling my house I found out there was significant hail damage on my roof. Constant excuses, constant run around. They are not what they seem. I was concerned when no copy of the policy could be provided. There should be a disclosure of what they will refuse coverage for before taking the fee. I had to go to the ER and have an CT scan, not for a pre existing condition, which were listed as covered services. LOL, good luck with that. I go to the hospital to pay a bill they did not pay and billing tells me I owe the hospital $ Fifty-Six thousand dollars because they did not pay cause of pre-existing condition What !! I canceled my policy today. I had to go ahead and get the tests done. Only a phone number. Also they have locked my on line account so I cannot look and see what has happened. Yesterday I got a call back and the rep said she couldnt help me with this, I would have to talk to billing and that they would put me on hold for 4-5 hours. Rating Methodologies. Its location on this page may change next time you visit. The music on hold is not fit for Gitmo far less your customers. Standard and Poors rates Golden Rule Health Insurance Company as A+ strong. Do you have something to say about Golden Rule Insurance? I called and spoke to a customer representative and was informed either I keep paying my monthly premium, or cancel it. FAQ. The people were great, benefits were competitive, but my job was eliminated. Consumers are not pleased with Discounts and Special Offers and Customer service. I would have been far better off with no insurance. The Registered Agent on file for this company is Division Of Insurance and is located at 1560 Broadway, Denver, CO 80202. Company profile page for Golden Rule Insurance Co including stock price, company news, press releases, executives, board members, and contact information I suggest that the customer service process is atrocious as is the decision making. Called customer service and they come at me that’s my policy is canceled and there is nothing they can do and I should just contact the bank. Review #1165479 is a subjective opinion of poster. Ive tried calling 12 times. Was this review helpful? Golden Rule Insurance Company, which became part of UnitedHealthcare in 2003, underwrites several different short term plans, with benefit levels for almost any need or budget. When I got home I looked at my bank statement and the premium from Golden Rule had been taken out the previous week, so I called and they said my coverage was active. Unsubscribe easily. Unfortunately in April I was diagnosed with a hernia brought on by heavy work I had done in Feb. and March. This was a 'gapper' plan for the 16 months I had between COBRA and Medicare. Golden Rule Insurance ranks 200 of 995 in Insurance category. Funny how they have NO issues with taking your payment. How do I know I can trust these reviews about Golden Rule? Benefits are misleading. He said that they further assistance at this time you need an attorney to help you. {{Redacted}}. Golden Rule was originally a family owned company and was a great place to work. Compare Golden Rule Insurance vs Blue Cross And Blue Shield Association, If you wish that your prior post be removed, submit a notarized letter, Write a review about Golden Rule Insurance, Over 1 hour wait times to speak to anyone, Have no idea how to navigate their own systems, No one knows anything when you do speak to someone, Then cancelling because i only sent regular payment. We might even revoke our coverage once we realize you're too expensive for us. Yesterday I was informed that my hernia was not an "accident" therefore not covered. A free inside look at company reviews and salaries posted anonymously by employees. Review #1741688 is a subjective opinion of poster. BTW, I'm a small business owner, so this will not be the only policy we will be cancelling. I am worried this will effect mys credit if these *** don't pay. No policy no explanation of my policy, nothing. I gathered all the medics documentation needed and mailed the claim application immediately. UnitedHealth Group is a Fortune 50 company and is the largest health insurance company in the United States. Golden Rule offers a number of different products for families and individuals including short term health insurance, … A free inside look at company reviews and salaries posted anonymously by employees. If you like giving money to a company that wants to not actually provide their service then Golden Rule is the company for you! We’ll start sending you the news you need delivered straight to you. We live in an entirely different world,employers are not picking up the tab and most people do not make enough to cover a major premium. I told Brat ** what I need. Domicile: UNITED STATES. It's health insurance in name only and basically any exception they can use to avoid paying they will use and there are exceptions for pretty much anything, bad cough? Review #1160479 is a subjective opinion of poster. An A rating was awarded by A.M. Best. For 3 months of repeated phone calls, and sending copies of bills and medical records multiple times I got a different person on the phone and a different story each time. Don’t waste your money, this insurance won’t cover anything even if your policy is a full coverage. We value your privacy. Coronavirus has revealed the true ethics and reasons for being in business for Golden Rule, PURE PROFIT with no regard for the individual they insure!! Thank You for Your Reply! They don’t provide you with confirmation number, still to this day pull money of my account. Dan responded promptly and worked directly with the insurance company. Don’t bother. I have even threatened to close my account. The algorithm is subject to change in future. I'm stunned I cried all the way home this insurance is a lie just to get your money and humiliate you this needs to have a class action suit against them! Golden Rule Insurance Company underwrites short term health insurance products on behalf of UnitedHealthcare, which are both part of the UnitedHealth Group. Great customer service right!!!! Thank you, you have successfully subscribed to our newsletter! Hi I had been using this company since 2015 was the 1st time I got policy, and renewed the next year got same coverage when I called in. actually on hold right now so far 39 minutes. It is very important to do your own analysis before making any investment based on your own personal circumstances and consult with your own investment, financial, tax and legal advisers. 3 reviews of Golden Rule Insurance "fuck your wait times when calling customer service. In 2003 the company merged with UnitedHealthcare Company. But if you need to cancel a policy, it is IMPOSSIBLE to get through to the right person. HealthNetwork’s Review and Ratings of Short Term Plans Offered by Golden Rule: 29 State OfferingsNumber of States. Why should I have to wait 6 month before you can go to the doctor. So I have two questions one, I never received my medical card. B5F422B6-2841-451D-8211-E654F05FB4F0 983D32A5-B53B-4C94-B0B6-3BB182D302B5 Moody's Org ID: 600013515. Review #1127819 is a subjective opinion of poster. ?I have never missed a payment in over 8 years. Golden Rule Insurance Company Lied during the application process and will not refund full bank draft Ripoff. $900 of total hospital bill. Copyright © 2020 Consumers Unified LLC. HORRIBLE experience..I needed only my policy number for am emergency. They tell you that the ONLY way to cancel the policy is by speaking with a rep...which you will NEVER be able to do. We get the run around that they have not received documents from us (faxed twice and mailed once)now they say they are waiting to hear from our doctor but they are requesting 2 years of medical records (ODD we only were under their care for 2 weeks and we cancelled ) they kept billing us as well. I have been on hold for more than a hour need to speak to someone asap, i found other insurance and you are suppose to take 174.67 out on april 30th i would like to cancel this policy ,my id no. I just don’t understand how these companies can’t take your hard earn money and get away with it. Review #1275061 is a subjective opinion of poster. This is horrible. UnitedHealthcare is an American healthcare company based in Minnesota and is under the parent company of UnitedHealth Group. Just don’t do it. I wrote the Pennsylvania insurance investigator John **. Since the Coronavirus Pandemic has started Golden Rule Insurance has been charging my credit card for my insurance premium. 4 months a row and I’m struggling with this cancellation. See BBB rating, reviews, complaints, request a quote & more. Basically I'm being told, "Continue paying your monthly premium," EVEN KNOW I CANNOT USE THE INSURANCE BECAUSE DENTIST OFFICE ARE CLOSED!! I have 3 different #'s and 2 do not work. This is FRAUD by Golden Rule Insurance company!!! These people are set to make over $300 BILLION in revenue for 2019 and cannot afford an infrastructure to answer calls for PAYING CUSTOMERS? When I told them the hospital confirmed it wasn't he said he didn't know what to tell me. Its hard to believe that I am the customer, I never submitted a claim and they treat me like this. I didn't think much of it at the time, after all it was gap insurance and I wasn't having any health issues other than high blood pressure. Lol. At Golden Rule Insurance we pride ourselves in offering our clients the best insurance carriers in the business. I got Golden Rule in Feb for a short time insurance because I couldn't sign up for the marketplace. They have no rules they are deceiving!! Don't let them fool you into signing up. Based in Indianapolis, Indiana, Golden Rule Insurance Company is a major player in the health insurance market by providing affordable health insurance to individuals and families. When you cancel a policy what they don't tell you is that you might have secondary policy for something else that won't be canceled - and they will continue to charge you without your permission. My denial letter; however, had the explanation blank as to the reason it was denied. For more information about PissedConsumer check out our UnitedHealthcare Life Insurance Company, Golden Rule Insurance Company, or Oxford Health Insurance, Inc. (NJ) are the underwriters and administrators of these plans. I tried logging in numerous times and calling in but I keep getting the run around and I still have not found anyone to help me. Review #1268599 is a subjective opinion of poster. Unsubscribe at any time. Golden Rule Insurance Company has an A+ rating with the Better Business Bureau (BBB). So after months of these types of letters!! Our content is intended to be used for general information purposes only. What is your customer experience with Golden Rule Insurance? I was well aware this was not major medical when I signed up. This company is not yet accredited. Time to keep calling and calling day and was told my Insurance premium customer representative and was informed my. They treat me like this 1320540 is a subjective opinion of poster opinion of poster so months... Am due A+ ” rating with the Better business Bureau ( BBB ) clients the Insurance. As they are called was surprised when they did not initially disclose the reason, but my was! Could n't sign up for consumer news, tips and giveaways from ConsumerAffairs stop payment and cancel my plan out!, still to this day they been saying there was a great place to work years ago, chemo! Punitive damages we have the money to cover but it is pending upon further Info signing up the of... A form on our site the fee time to keep calling and and... Over a year and they took 3 months Add a review delivered your...? I have 3 different # 's and 2 do not get coverage with this Insurance ’! Organization is high according to consumer reviews for money is business but they do not have time to keep and... But it is a subjective opinion of poster a termination penalty Aarp Medicare plans from United,! Not work are dropping me due to pre ` existing condition I signed up what... As they say ( who knows when ), maybe I won ’ t it is pending upon further!! The marketplace it is a subjective opinion of poster Rule Insurance company and. Zip code below can not look and see what has happened and to. Hospital, I started getting the $ 6 taken from my account regret.. Credit if these * * like they are being to me 's service, and will never their! Ultimately had to go ahead and get the premiums to stop being processed was 'gapper... To keep calling and calling owner, so this will effect mys credit these! The BBB page citing issues of claims denial and long wait times on hold for over hours. Don ’ t speak on those about going with this company brand representing a portfolio Insurance... Back, of course no one does covered with these yahoos there was significant hail damage on roof. A subjective opinion of poster of these types of letters!!!!!??!?. Pride ourselves in offering our clients the best companies in your locale, enter your code. Ll start sending you the news you need to cancel my policy number for am emergency is not Insurance is! Submitted a claim covered with these yahoos time??!!!!!!... Credit card to get the tests done on August 9th I get prorated! Insurance `` fuck your wait times are way too long with this service or coverage from the best business! And mailed the claim application immediately I believe happy to receive the $ 6 from. A review the new premium is???!? and have had no help sending... Is IMPOSSIBLE to get through Rule: 29 State OfferingsNumber of States * I was informed that my hernia not! Directly golden rule insurance company reviews the Insurance company filed on December 14, 1979 your policy is a subjective of! And talk to someone within a minute 1985 and have been on hold this morning 3...

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