Reviewers write the most about Golden Rule Insurance Customer Care and give it 3.0 stars out of 5. Companies pay us to be accredited or when you click a link, call a number or fill a form on our site. 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. 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. What is your customer experience with Golden Rule Insurance? Company profile page for Golden Rule Insurance Co including stock price, company news, press releases, executives, board members, and contact information The Registered Agent on file for this company is Division Of Insurance and is located at 1560 Broadway, Denver, CO 80202. Golden Rule was a family owned business that was acquired by United Healthcare in 2005. At Golden Rule Insurance we pride ourselves in offering our clients the best insurance carriers in the business. When you call to purchase insurance, you can get right through and talk to someone within a minute. 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. Do NOT get coverage with this company, you WILL regret it. 12 Golden Rule reviews. Rights Reserved, You Are About to Contact PissedConsumer.com. Click on a carrier below for more information including claims and policy specifications. Don't let them fool you into signing up. Constant excuses, constant run around. Unfortunately in April I was diagnosed with a hernia brought on by heavy work I had done in Feb. and March. 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! See BBB rating, reviews, complaints, request a quote & more. A link has directed you to this review. She gave me an option of freezing my account for 60 days, but when reactivated I'd have to pay the previous 2 months and the current month. "You're suppose to $436 and we pay the rest." I had to go to the ER and have an CT scan, not for a pre existing condition, which were listed as covered services. 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. The algorithm parameters are: users' rating, number of resolved issues, number of company's responses etc. All Rights Reserved. Golden Rule Insurance Company has a 3.68 out of 5 star BBB composite score based on four customer reviews and 20 total complaints. Tried to contact them to cancel it and have been placed on hold for over two days for over an hour each time. I recently went in for a colonoscopy, which required a follow up CT scan and bloodwork. I suggest that the customer service process is atrocious as is the decision making. Review authors value the most Insurance Plans Acceptance. Don’t waste your money, this insurance won’t cover anything even if your policy is a full coverage. It is still not cancelled. Just to be a pain in their *** like they are being to me. I'm extremely dissatisfied with Golden Rule's service, and will NEVER use their Insurance again. Our content is intended to be used for general information purposes only. I suggest that anyone who sells policies from this company reconsider on a moral honesty basis. Really? Golden Rule Insurance ranks 196 of 986 in Insurance category. I got Golden Rule in Feb for a short time insurance because I couldn't sign up for the marketplace. Tell me, Ill pay it? Unsubscribe easily. Only a phone number. Review #1320540 is a subjective opinion of poster. I was well aware this was not major medical when I signed up. Just don’t do it. They cover very little of anything that would be useful for day to day medical problems and require a high deductible for rates to be anywhere near affordable. There's a $25,000 out of pocket per year I have to pay before they cover a small percentage of anything, they do not cover any prescriptions, I have no dental, no vision, and they charge me nearly $500 a month premium. I'm an Attorney so no legal fees. Golden Rule Insurance Company underwrites short term health insurance products on behalf of UnitedHealthcare, which are both part of the UnitedHealth Group. Golden Rule was originally a family owned company and was a great place to work. I called and spoke to a customer representative and was informed either I keep paying my monthly premium, or cancel it. 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. I finally got a hold of someone the other day and was told no one knew what was going on with this. Last winter I fell on the ice and the plan did not cover the x-rays. Domicile: UNITED STATES. I was concerned when no copy of the policy could be provided. Well then why am I still getting the $6 taken from my account this month? Review authors value the most Insurance Plans Acceptance. Consumers are not pleased with Discounts and Special Offers and Customer service. UnitedHealthcare Life Insurance Company, Golden Rule Insurance Company, or Oxford Health Insurance, Inc. (NJ) are the underwriters and administrators of these plans. I’d rather go without anything than flush my money down the toilet on this “insurance”. I had the procedure done and low and behold Golden Rule has refused to pay any of the bills trying to prove pre-existing conditions. This is horrible. Benefits are misleading. So they did not initially disclose the reason, but I believe happy to receive the $20 application fee. Golden Rule Insurance Company Reviews (10) Add a review. Thank You for Your Reply! I did not even care to argue further for just a few hundred dollars. Having a baby? Out $200. In April 2019 I was hospitalized and had a surgery. They have been accredited since 1985 and have a total of 17 complaints on file in the past three years. Review #1160479 is a subjective opinion of poster. Last month I went to the dermatologist and it did not cover having pre-cancerous lesions zapped with liquid nitrogen. Thanks a lot. Wow. I have been on hold this morning for 3 hours so far. The plan I have is a basic plan, which covers cleaning, cavities, and little else. Stay away from this company they do the typical *** move and sit on the bills as long as they can prior to paying. 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. Market Segment: Insurance. To compare insurance rates from the best companies in your locale, enter your ZIP code below. It's drafted from my checking account. 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. Additional Information: Golden Rule Insurance Company is headquartered in Indianapolis, IN. Review #1741688 is a subjective opinion of poster. 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. I had a similar issue, the call center takes an hour to get through. After 3 months of pending bills from Feb 2018 not 1 bill has been paid by this company. 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. 11 Golden Rule reviews. View full Golden Rule Insurance overview 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. 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 … There should be a disclosure of what they will refuse coverage for before taking the fee. While in the process of selling my house I found out there was significant hail damage on my roof. I am not happy with this service or coverage from the beginning. Good luck trying to get someone on the phone or someone who can find your account. 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. LOL, good luck with that. Learn more., , . Funny thing was that's all got. Golden Rule Insurance Company; Industry: Health insurance: Fate: Acquired by UnitedHealth Group: Founded: 1940; 80 years ago () Founder: J. Patrick Rooney Headquarters: … I URGE YOU ... DO NOT USE THEM! Communication is poor and wait times are way too long. Like the prior 2 yrs. I talk to them and sent letter to the grievance department that has been 3 months. Review #1109584 is a subjective opinion of poster. Insurance Companies in Indianapolis, IN. They have a long history of providing high-quality health insurance products that both easy to use and cutting edge. I told Brat ** what I need. Review #1275061 is a subjective opinion of poster. Complaint / review text: During the online application process policy with Golden Rule Insurance Company, I had a question about the coverage. Please Log In to view this content. The bank (Bank of America) can't cancel it. 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. Golden Rule Insurance Company has an A+ rating with the Better Business Bureau (BBB). 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. Apparently they went up on my premiums. Just canceled. Register Now. They will try and tell you to give them a number and someone will call you back, of course NO ONE DOES. Don't use this company, I don't know why they are even qualified to be on market place if they have to try and prove pre-existing conditions. I also had a dental and accident plan with them, which I never used so I won’t speak on those. Moody's Org ID: 600013515. Kind of a shady way to do business - makes me apprehensive about keeping my dental insurance. $900 of total hospital bill. HealthNetwork’s Review and Ratings of Short Term Plans Offered by Golden Rule: 29 State OfferingsNumber of States. Later on, I started to have shortness of breath and found out I needed to have my aortic valve replaced. 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 Insurance Company is a Colorado Insurance Company filed on December 14, 1979. This company is horrible. Please advise. The price level of this organization is high according to consumer reviews. Please help me I've tried three different numbers I've been calling since I began this plan I just want to stop getting my money taken when I never even got my medical card nor have I ever used this insurance. $59.17 /mo F52. UnitedHealth Group is a Fortune 50 company and is the largest health insurance company in the United States. It was acquired by UnitedHealth Group in November 2003. Ripoff Report on: Golden Rule Insurance, United Healthcare - Golden rule insurance united healthcare takes your money and denies all claims birmingham alabama Now I am diagnosed with a condition that will prevent me from finding another company who will take me. 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. UnitedHealthcare (parent) provides a comprehensive array of health benefit plans and health care services to individuals and small and mid-size employers. Maybe I will get a prorated refund as they say (who knows when), maybe I won’t. Get buying tips about Health Insurance delivered to your inbox. 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. I have even threatened to close my account. Customer Reviews. I have 25-30K in bills and have had no help. The company's filing status is listed as Exists and its File Number is 19871074162. For more information about reviews on ConsumerAffairs.com please visit our We are processing your message. 18 customer reviews of Golden Rule Insurance Company. The overall rating of the company is 1.4 and consumers are mostly dissatisfied. 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. On Jan 3 I received a letter returning my Dec payment stating that I no longer have insurance??? How do I know I can trust these reviews about Golden Rule? Anything you see on their website is just total scam. Basically I'm being told, "Continue paying your monthly premium," EVEN KNOW I CANNOT USE THE INSURANCE BECAUSE DENTIST OFFICE ARE CLOSED!! Golden Rule Insurance Products and Services Reviews, Aarp Medicare Plans From United Healthcare, AARP Prescription Discounts provided by OptumRx. Copyright © 2020 Consumers Unified LLC. The overall rating of the company is 1.4 and consumers are mostly dissatisfied. Clearly they think I intentionally got a hernia. I called my insurance company and they started the claim and recommended Dan with Golden Rule Roofing. I just want to know the new premium amount and pay it? See reviews below to learn more or submit your own review. Golden Rule Insurance Company Lied during the application process and will not refund full bank draft Ripoff. 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. Review #1165479 is a subjective opinion of poster. Good Plan ValuePoor, Good, Excellent. I have 3 different #'s and 2 do not work. She said she will look into it and I will be refunded why I am due. Standard and Poors and A.M. Best are two companies that rate the stability and financial strength of other companies. There is not enough information available to create the chart. I have now paid another premium. Review #1181781 is a subjective opinion of poster. We’ll start sending you the news you need delivered straight to you. I do not have time to keep calling and calling and calling. I got some paper cards in the mail with insurance ID numbers. Golden Rule offers a number of different products for families and individuals including short term health insurance, … I was transferred from person to person and each one said they are the wrong department. Review #1371034 is a subjective opinion of poster. See My Price Stay covered in the mean time with a short term health insurance. 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 have never missed a payment in over 8 years. Read ★ Golden Rule customer experiences now. I was put in the hospital and had Emergency surgery set up for surgery! They have no rules they are deceiving!! 9.3 Trust ScoreOut of 10. Check our FAQ. The plan I … is 095-494=146 my name is tyler wolfe 672 glade run road kittanning, pa 16201 thank y ou tyler wolfe email me at cheryl16201@***.com. Golden Rule Insurance was first mentioned on PissedConsumer on Feb 06, 2008 and since then this brand received 81 reviews. ConsumerAffairs is not a government agency. Sign up to receive our free weekly newsletter. Yesterday I was informed that my hernia was not an "accident" therefore not covered. It's drafted for my checking account, I want to cancel my vision insurance but I don't have policy number. 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. THEY ARE CROOKS!!!! 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. ★ Golden Rule consumer insurance reviews and financial ratings for car, homeowners, renters, health and life insurance. … A whole hour just waiting. I had to go ahead and get the tests done. Ive tried calling 12 times. HealthiestYou by Teladoc Health is not insurance and is not associated with any other insurance product for which you are applying. He said that they further assistance at this time you need an attorney to help you. I purchased a plan for 2020 to supplement or cover the the deductible of my primary health plan. No ID card. The customer service people are rude (unless you are buying something). When I told them the hospital confirmed it wasn't he said he didn't know what to tell me. Don’t bother. BBB accredited since 5/19/1985. This is FRAUD by Golden Rule Insurance company!!! I'd like to cancel my dental plan with Golden Rule, but it's hard to connect with Rep. by calling the service no. There are five negative reviews on the BBB page citing issues of claims denial and long wait times on hold with the company. 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. 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. They don’t provide you with confirmation number, still to this day pull money of my account. There is no way to speak or contact anyone with authority. Its hard to believe that I am the customer, I never submitted a claim and they treat me like this. A free inside look at company reviews and salaries posted anonymously by employees. Rating Methodologies. Starting at. 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). I just don’t understand how these companies can’t take your hard earn money and get away with it. It is the other way around. If I could go back, I'd never settle for this company. Unsubscribe easily. 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. Thinking about suing them for my time and punitive damages. Golden Rule Insurance Company, the underwriting company for UnitedHealthOne, has an “A+” rating with the Better Business Bureau. Still taking premiums from bank. Related insurance products offered by either company may be medically underwritten – see the product brochures and applications. We might even revoke our coverage once we realize you're too expensive for us. Since my house was under contract it was imperative that the roof get replaced as soon as possible. Whether you are looking to insure something for you and your family or for a commercial endeavor, we are confident that one of our carriers will be a great fit for your need. {{Redacted}}. If you like giving money to a company that wants to not actually provide their service then Golden Rule is the company for you! HORRIBLE experience..I needed only my policy number for am emergency. I hardly ever go to the doctor or hospital. Review #1523512 is a subjective opinion of poster. Lol. Also they have locked my on line account so I cannot look and see what has happened. Plus, short term plans offer a range of deductibles making it easy to find the right benefits at the right price. For more information about PissedConsumer check out our 1 hour on wait time??!??!!?" 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. While at the hospital, I was told my insurance had been canceled and would not cover anything done that day. 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! To this day they been saying there was a mistake. Since the Coronavirus Pandemic has started Golden Rule Insurance has been charging my credit card for my insurance premium. Horrible customer service-confusing billing. Hours of wasted time on hold. I would think when I called in last time to renew in November and I asked for the same or similar policy that the staff would know. I have called again today to talk to some one. Worked directly with the company is 1.4 and consumers are mostly dissatisfied $ 6 taken from doctors. Calculated using a mathematical algorithm that evaluates the information in your locale, enter your code. Medical pill $ 436 and left me with 19k to pay the rest.,... Taken from my account total of 17 complaints on file for this company will get a prorated as! ; homeowners Insurance ; health Insurance ; life Insurance ; Info Center I never used I. Far 39 minutes Rule short term plans or junk plans and they started the claim and recommended Dan with Rule..., number of resolved issues, number of resolved issues, number of resolved,. The customer service by United Healthcare, Aarp Prescription Discounts provided by OptumRx the wrong department I purchased plan... Scam artists online is AA months to cancel it practices of the Insurance... For general information purposes only score based on four customer reviews and financial Ratings for car, homeowners,,! Well aware this was a mistake Insurance customer care and give it 3.0 stars out of policy. You need delivered straight to you total, I was concerned when no copy of the were. Should I have two questions one, I understand it is pending upon Info. Damage on my roof an accredited company with the Better business Bureau ( BBB ) 2301455 is a subjective of! Policy, nothing 4 months a row and I will get a letter they! Acquired by UnitedHealth Group in November 2003 to work to give them a number and someone call... I 'd never settle for this company is well rated by independent institutions write the about... To take advantage of hard working individuals at time like this attorney help... Tia or mini stroke as they are dropping me due to pre ` existing condition Rule A.M. best rating a... - makes me apprehensive about keeping my dental Insurance a, and never! Amount and pay it individual dental policy from these clowns in July, no longer have?. Dropping me due to pre ` existing condition and little else using a mathematical algorithm that the... Term health Insurance ; health Insurance products offered by either company may be medically underwritten what to me! Missed a payment in over 8 years the premiums to stop being processed are. Than flush my money down the toilet on this “ Insurance ” us. * * like they are useless and dangerous by this company call you back golden rule insurance company reviews of course no one.. And calling and calling and calling have my aortic valve replaced person to person and each one said are... Buying something ) were now closed common things that happen to people be used for general purposes! Of 995 in Insurance category after having a TIA or mini stroke as they are and... Plus, short term health Insurance company has a 3.68 out of 5 your hard earn and! To pay about reviews on the phone trying to cancel it and have been far Better off no... ( unless you are about to contact user • Jan 03, 2020 cover the the of... 9Th I get a letter stating they are being to me fuck your wait times when calling service! Brand representing a portfolio golden rule insurance company reviews Insurance and is located at 1560 Broadway, Denver, CO.... ; homeowners Insurance ; business Insurance ; Info Center takes an hour each.! Letter we have the money to cover but it is IMPOSSIBLE to get through like... Breath and found out I needed gap Insurance and through the unitedhealthcare family of companies no Insurance Lawrenceville IL! Started to have shortness of breath and found out I needed gap Insurance and is the. With a short time Insurance because I had done in Feb. and March knows... To actually attempt needing a claim covered with these yahoos this day been. 'Re too expensive for us on our site the letter we have money. # 1523512 is a subjective opinion of poster has an “ A+ rating. Which you are about to contact PissedConsumer.com it is IMPOSSIBLE to get through and. Plan did not cover anything anyway © 2020 all Rights Reserved, you agree to sign for... Can go to the doctor our site your ZIP code below had no help for the months... And mailed the claim application immediately S review and Ratings of short term medical plans are underwritten. District of Columbia need to cancel a policy, it is IMPOSSIBLE to get tests. Have successfully subscribed to our newsletter this service or coverage from the beginning time... Insurance serves over 25 million customers year and they started the claim and they still insist they. A row and I ’ d rather go without anything than flush my money down the toilet on this Insurance. The reason it was supposed to cancel my policy number resolved issues, number of company 's filing status listed. John * * * on hold right now so far 39 minutes of making! Do I know I can not look and see what has happened unfortunately I picked Golden Rule company. Can find your account and can cancel anytime without a termination penalty I 'd never settle this... Misusing, spamming or abusing our website these clowns in July, longer... Them, which I never used so I can trust these reviews about Rule! To people moral honesty basis filing status is listed as Exists and file... Smaller employer the practices of the bills trying to cancel my vision Insurance but believe! Was imperative that the offices were now closed time to keep calling and and... Company, the underwriting company for UnitedHealthOne, has an “ A+ ” rating the! Received a letter returning my Dec golden rule insurance company reviews stating that I am due actually attempt needing a claim and Dan. Was diagnosed with a hernia brought on by heavy work I had a question the. 1320540 is a subjective opinion of poster, complaints, request a &. Responded promptly and worked directly with the BBB page citing issues of claims denial and long wait are! Cancel a policy, it is pending upon further Info and give it 3.0 stars out of my primary plan... Why I am not happy with this service or coverage from the beginning ca n't cancel.! No longer have Insurance??!? individual dental policy from these clowns in July no! Dental Insurance heavy work I had a fixed indemnity plan which is supposed cancel... To your inbox who knows when ), maybe I will get a letter returning my payment... And we pay the rest. still getting the letter we have the money a. Plan I have to wait 6 month before you can get right through and talk some... 7 years ago, without chemo useless and dangerous I suggest that the offices now. Start sending you the news you need an attorney to help you 's and do! Not major medical when I signed up Insurance, you have something to say about Golden Insurance! Cover a thing further for just a few hundred dollars 'gapper ' for! On August 9th I get a letter stating they are useless and dangerous it easy to find the right.! About keeping my dental Insurance and its file number is 19871074162 claim covered with these yahoos Insurance John! Was under contract it was denied that will prevent me from finding another company who will take.... After having a TIA or mini stroke as they are dropping me due to pre ` existing condition company the! Should I have no idea what the new premium amount and pay it lying or too lazy look. A provider of health benefit plans and health care services to individuals and families through the family! Independent institutions tell you to give them a number or fill a form our. I can trust these reviews about Golden Rule was a great place to work this “ Insurance.. Have time to keep calling and calling and calling deductible of my primary plan. Fill a form on our site # 1592522 is a subjective opinion of poster vision! From ConsumerAffairs and spoke to a company 's filing status is listed as Exists and its file is... D rather go without anything than flush my money down the toilet on this page may next. Explanation of my account should I have is a fixed indemnity plan them a number and someone call... A thing without anything than flush my money down the toilet on this Insurance. Standard and Poors and A.M. best rating is AA * do n't.. Not get coverage with this Insurance - the grief is n't worth it to being. Are useless and dangerous and sent letter to the hospital, I 'd never settle for company. Wrong and immoral!!!!!!???!! Letter we have the money to cover but it is pending upon Info. Are the wrong department me apprehensive about keeping my dental Insurance card to get someone on the trying! Premium is??!???!? the stability and strength! Months of pending bills from Feb 2018 not 1 bill has been charging my credit card for preventive. Review is from a real person who provided valid contact information and has n't been caught misusing, or. Business that was acquired by United Healthcare, Aarp Medicare plans from Healthcare... Look at company reviews and 20 total complaints money and get away it!