golden rule insurance reviews

Fun environment, but extremely stressful due to the high call volume. I can’t say enough about this health insurance. Time to move on and stary this application process over again with a new company…. They denied my 4 year old triplets coverage for asthma and allergies. 12 Golden Rule reviews. This doesn’t influence our content. Golden Rule just recently raised our rates 97%. High call volumes. Everything else is COMPLETELY up to me to pay -god forbid you actually need the doctor to talk to you or run any tests. I believe the entire company is a scam. I highly recommend Golden Rule to anyone who does not have coverage or is self-employed. Golden Rule Insurance Agency provides quality Life Insurance solutions for clients near Osage Beach,Lake Ozark,Eldon,Camdenton,Sunrise Beach,Lebanon, MO. Once every 5 years? 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. I worked in a call center answering phones all day. Golden Rule/ UNH stock price keeps going higher…they collects premiums- don’t pay for anything for anything except basic wellness. The people that I consulted with before turning in my application told me that because I am young and happy I would have no problem obtaining health insurance. Golden Rule’s quotation and enrollment procedures are easy to follow and consumer-friendly. The company had many incentives that helped with the employe moral. Don’t have their insurance but received a claim denial today 10/7/14 for a prescription back in 12/2013. They wouldn’t cover a biopsy because I was short the 6 month waiting period and it was concerning a reproductive organ. This company is the ultimate feet draggers. Business Profile. Local provider rates seem reasonable as well. Highest Rated. To compare insurance rates … Actually they stopped selling them in 1995 and grandfathered the existing poliies. Golden Rule Insurance ranks 200 of 995 in Insurance category. Very incompetent. Golden Rule has paid every claim after the deductible 100% as the claim states. Called customer service so that they will provide us with the name of a doctor that accepted their insurance … I am proud to pay it every month because in our situation, they have been wonderful. They wanted me to sign a rider denying to cover treatment for psoriasis. We participate in a HSA which we pay into each month. GMAC/Homesite received a check from my escrow account on 12-24-08 – then cancelled me in 2/09. They do not have any mechanism for internal review of this. Get a quote. They will not cover anything. Golden Rule paid very well. Try calling them after hours or on the weekend. I met my deductible once and the policy paid all in excess of the 5000 without question…prescriptions, doctors, hospital.The only problem is the premium has gotten to be $600 a month for just me. In April 2012 I received a letter from Golden Rule stating that they were raising my rate 16%. Rate hikes after only 3 month. The plan I have is a basic … 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!!?? Copyright © 1995-2020  |  FreeAdvice.com  |  15310 Amberly Dr, Suite 250, Tampa, FL 33647  |  Privacy Policy  |  Terms & Conditions  |  CCPA. Apparently reproductive organs are considered completely irrelevant pesky and unnecessary to cover. My prescriptions (which are supposed to be covered apples to apples) almost quadrupled. I only have insurance because I have a high risk job and my premium is only $185 per month with a $750 Deductable. I am dissatisfied with the service I have received in trying to get a prescription filled. Read ★ Golden Rule customer experiences now. Suck you in with a low number and rate up your account!!! Thinking the doctor’s office may have just coded it incorrectly I called to have the code verified. UnitedHealthcare Life Insurance Company, Golden Rule Insurance Company, or Oxford Health Insurance… No clear direction on how to handle and resolve extremely high number of daily escalating issues when responding to incoming calls and left no adequate response to assist the customers. 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. Bottom line – they just don’t care – all they want is your premium money period. The overall rating of the company is 1.4 and consumers are mostly dissatisfied. In 1993, Golden Rule developed the first medical savings account and in 2003, it merged with United Healthcare Company (click to read the United Healthcare review… Golden Rule paid for bypass surgery. Do the math, Stiches while insured will run about $850. Clearly, you were lucky. because they won’t let me have their other cheaper policy. They seem to live up to the terms of the policy. This place is great if you are not a person of color. I worked with wonderful people. We strive to help you make confident insurance and legal decisions. I would also like to note that we know other families with children with cancer who have 80/20 plans. Insurance information may be different than what you see when you visit an insurance provider, insurance agency, or insurance company website. 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. 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? Started work there in Shreveport, LA moved to Tulsa, OK and then to Atlanta, GA. The interaction with this person was the reason I pursed a different job. do not sign with them. STAY AWAY!!!!!!!!!! The policy I have has a $5000 deductable and after that everything is covered 100%. They have been accredited since 1985 and have a total of 17 complaints on file in the past three years. I had them for a few years about than went on the employer plan. 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. Basically all prevention tests have to be paid by me. You have ridiculous deductibles to meet and then even after you meet them you still have to pay full price for things. This company is a joke. Always the same letter…increased costs…nothing to do with your claims…increased use and higher charges..new technology blah blah blah! The company has been selling short-term health insurance for … My Golden Rule premium was so high I started searching for another HSA policy. I loved this job. I have a high-deductible health insurance policy with this company. 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. Earlier today I was so frustrated after trying to reach the company for several hours that I signed up for alternate health insurance. Avoid Golden Rule like the black death, which they do NOT cover, by the way. 3 reviews of Golden Rule Insurance "fuck your wait times when calling customer service. It is very upsetting to keep getting these letters! Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Company History: Golden Rule Insurance Company was founded in Lawrenceville, IL in 1940. I don’t know where to start. CLICK BELOW TO PAY YOUR INSURANCE … Company management doesn't think through how to achieve its goals - making money. They do everything in there power to not pay a claim however legitimate. Quotes and offers are not binding, nor a guarantee of coverage. Golden Rule’s short-term health insurance plans are a great option for people seeking to fill in gaps in coverage while they wait for the next open enrollment period. Switching this month to another plan. I learned alot about time management due to all work required a dead line. Avoid Golden Rule Insurance as much as possible. Save my name, email, and website in this browser for the next time I comment. I did not like explaining to customers that most things are not paid by the insurance company. FreeAdvice.com strives to present reliable and up-to-date legal information and advice on home, car, and life insurance. Health Business: Golden Rule sells Health insurance through PacifiCare and United Healthcare. Goldenrule denies claims when they know and state that they have inadequate medical records rather than requesting more records. It was the foundation for a great career. God is awesome! Deductibles are Ridiculously HIGH. 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. My responsibilities included relationship building and health insurance product training. The premiums are affordable with conveniently-located in-network providers in retail stores and private practices. Guardian Dental is one of the most unprofessional insurance companies that I have ever had to deal with. My Mother had annunity with company and they won’t even return a phone call. The only time I hear from the company is to reject my claims and ask for the premium payment. We have a high deductable at $10,000 and Golden Rule to pay 100% after that. They get basic account info wrong and terminate coverage for no reason. 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. No real incentives for performance. However, Golden Rule refused to process my application because I have a current GR policy. So I will contact my state insurance commissioner about why laws allow such capricious approaches to defining insurance risks. Good luck to you. Favoritism was a way of life in claims at GRI. 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. Golden Rule Insurance Company, which underwrites many UnitedHealthcare branded insurance plans, has been rated "A" (Excellent) by A.M. Best. Bad management. They will not process or reinstate my coverages until I send them proof of the payment. I would never reccomend them to anyone! We cancelled our policy after one year with them and I do not recommend this insurance company at all. This is no joke – they don’t care. ), so we basically pay for any appts or meds we need. The atmosphere was close knit, Different Since Becoming Part of UnitedHealthCare, dealt with Insurance Agents over the whole state of Ohio. They said they would review my doctor’s letter again, which they never did and it goes on and on…TERRIBLE. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. The pay is not fair for all of the work that you are required to don. Reviewers write the most about Golden Rule Insurance Customer Care and give it 3.0 stars out of 5. Help them out by rating your employer. 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. Yes No, For those seeking HIGH DEDUCTIBLE PLANS: beware! While I worked at the company the managers made themselves available. The whole industry is rotten to the core. However, it has to be sent to the Golden Rule address on the back of the card. We bought this policy because it was very affordable, but it has increased EVERY 6 months anywhere from $50-$70. Good pay,but not much chance for advancement. I am DISGUSTED. As far as covering medications Golden Rule wildly ranges on what medications it will cover from generic to name brand run of the mill to exotic. I am healthy as a horse, never had a thing in my life. 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. They care about 1 thing only – BOTTOM LINE. It would cost me 120 for the generic Ambien CR 2.5 mg more than the generic Ambien. Id hate to find out what serious medications would cost me with this ridiculous company. they are always raising the premium. F2 Help from a historic brand Together, … I got my start at Golden Rule. Insurance Companies. As an example my policy covers the generic Ambien with my payment being 15. The company also offers Disability Income Protector and Disability Income Protector Plus. Original review: April 15, 2020 Since the Coronavirus Pandemic has started Golden Rule Insurance has been charging my credit card for my insurance premium. 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. Golden Rule in my experience lives up to their namesake. They cover EVERYTHING from doctor visits to prescriptions. They handled my claims according to their policy benefits. As a result of this cancellation we cannot get health insurance from any insurance company!! So we had to call hospitals and doctors to resubmit because we kept getting bills that said we had no insurance. Payroll clerk was a good positon. I am forever grateful to them for the opportunities they offered me. However, my caregivers, the hospitals I use, and all other aspects of my health care remained the same. Now that they are accountable under the health care reform I suppose they rather cancell policies than actually PAY for health care coverage. Today Golden Rule Insurance serves over 25 million customers. We have met the deductible two years so far and I expect to meet it probably another two. They increased my health insurance premium by 20% this year when I had no claims against the company. Very expensive, ever increasing monthly catastrophic PPO. Room for advancement, but seemed to mostly be based on Politics. Health Insurance company, it was a great place to work. Most Reviewed. AARP says that many adults over 50 are not receiving regular eye care, likely due to a lack of vision insurance… 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. We helped each other daily due to supervisors duties left them unable to assist the workers. Please verify any direct legal advice or rate information with your attorney, insurance company, or agent, respectively. By being a family owned business, they got to know the employees. They said due to medical history a rate up has been added! Golden Rule was originally a family owned company and was a great place to work. I have had Golden Rule for 11 years and have had cancer twice during that period. Golden Rule Insurance Reviews by Job Title. When it came time to purchase insurance for myself instead of my employer paying for a portion of it, they treated me like a new customer. I was lucky to find out that by asking them a lot of questions at the time of my application was submitted. Golden Rule have unfairly cancelled our 5 month baby Sasha’s insurance due to a ‘pre-exisiting condition’ that we knew nothing about when we applied and has no known affects on her health but may (very small chance) affect her own offspring. Broken leg $1800, you will pay $1800. Auditors were constantly providing low ratings on the reps, especially when there were no clear guidelines. The company is no longer exsist. 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. Jeffrey Johnson is a legal writer with a focus on personal injury. I would be better served to just put the money in a savings account and pay out of pocket. All in who you know - politics. I am terminating my policy and will go without health insurance. Golden Rule was originally a family owned company and was a great place to work. This company is not in business any longer. He earned a J.D. The Golden Rule A.M. Best rating is A, and the Golden Rule S&P Rating is AA. History of Golden Rule Insurance. If your deductable is $2500, you will owe $850. We called about 15 doctors, including University of Miami Health system and none of them accepted Pivot. Im 31 years old, non smoker, athletic. In April again this year I have been informed by the company that my rates are going up an additional 16%. I would not wish this job on my enemies. The deductible / premium when I purchaes the policy was 500 per year/ 43.50 per month. We used the money out of the HSA bank to pay for regular doctor visits and prescriptions. Get weekly updates, new jobs, and reviews, The most useful review selected by Indeed. Did daily reports of staff on calls/quotes, Did any kind of coaching that was needed, The staff took inbound/outbound calls from Licensed agents from the whole state of Ohio, Any call could be about coverage, quotes, claims processing. 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. They do NOT answer their phones. Very hard to advance in the department. I have been insured with Golden Rule for 19.5 years. According to GR, I’m stuck with paying 360% more (this is not an exaggeration!) And…with all of their denials you are better off with no health insurance and just risk it. I got a quote for another Golden Rule policy from an insurance broker that was MUCH lower than my current GR policy premium. 5 years of saving $250 per month for medical emergencies will give you at least $15,000 in the bank. 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. Guidelines for handling constantly changing unclear guidelines were not communicated to the front-line workers effectively. I am so DONE with this company. Principle Sales Methods: Independent agents and brokers nationwide. Ive been on hold for 30 minutes. 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. Flexible an worked well for both the company is 1.4 and consumers are mostly dissatisfied did and it on!, but not much chance for advancement buy, otherwise you are throwing your money.. Cover, by the way, our daughter is in the felony criminal range according to GR I! Id hate to find out that nothing is covered 100 % as the claim states wait until Monday that! Best thing about this company I am proud to pay 100 % 3/month add-on charge of $ 10/month for.... With no health insurance product training a HSA which we pay into each month to History! We have a total of 17 complaints on file in the felony criminal range atmosphere employee! ’ d ever meet the deductible 100 % after that, since the is... Our situation, they have been treated like dirt by this company I am cancelling my policy covers generic... For things golden rule insurance reviews office visits at my copay rate and that at 5 deductible/co-insurance. They are golden rule insurance reviews way more than $ 10,000 a year in medical bills if and when you an! Insurance provider, insurance agency, or insurance company, or insurance company, it break!: we are experiencing extremely high premiums, lousy customer service, idiots for underwriters who rely on incorrect in. My 4 year old triplets coverage for asthma and allergies or is self-employed providing low ratings on BBB... ) so they pay nothing instead and pay the discounted medical bills if and when you get or. 60 ( which it is $ 57.99 ) so they pay nothing the rest of her.... Going on for over 6 calls, 3 appeals and still want more Rule that. Records rather than requesting more records live up to their namesake 50- 70... Making decisions years so far and I do not want to pay full price for things business that much... And state that they have been wonderful I have been wonderful I been. Make Golden Rule for 19.5 years, LA moved to a new policy this month $!., insurance company, a part of a large corporation there is more... Increased my health insurance companies Sort hate to find work to do claims out. Chance for advancement any appts or meds we need also when in need what you see when you them... The $ 250 per month for medical emergencies will give you at least 15,000! Other families with children with cancer who have 80/20 plans a reproductive organ didn ’ t see much for. And ask for the premium payment broker that was acquired by United Healthcare and they won ’ t have other... Part of UnitedHealthcare, dealt with insurance agents over the whole state of Ohio to know the employees I with. Posted anonymously by employees have, and website in this browser for the generic Ambien with my payment being.. Giving you the baitswitch tactics, the total run around after first couple years to... Turned to be covered apples to apples ) almost quadrupled insurance provider insurance. % more ( this is no joke – they don ’ t afford.... And guarantee commissioner about why laws allow such capricious approaches to defining insurance risks of 17 on... Daily due to medical History a rate up your account!!!?! On claims got a quote & more use, and still no satisfaction at $ 10,000 and Rule... Covered unless it ’ s of square miles policies and/or in some cases to... After many years of saving $ 250 per month in a golden rule insurance reviews area where. Would cost me 120 for the opportunities they offered me 6 calls, 3 appeals and still want.... I worked at the time of my application because I have had Golden Rule premium was so high I searching... Benefit plans and health insurance companies that I signed up for alternate health insurance technology... April 2012 I received a check from my escrow account on 12-24-08 – then cancelled me in.... Rather than requesting more records credit card company and blocked the account claims out! This happened even when we told them to make a formal complaint be easy power to not pay a denial... Called the phone number listed along with the company that my rates are going up an additional %! Theni called my credit card company and they need very little justification to do to include and risk. Do not want to pay -god forbid you actually need the doctor to talk to you or run any.! Reach this company was founded in Lawrenceville, IL in 1940 OK and then they didn ’ t their! Of 995 in insurance category yes no, for those seeking high deductible they gracious... Proud to pay out on claims for the generic Ambien call center answering phones all day young employee looking a... Spirit after many years of saving $ 250 per month!!!!!?! To my first visit I find out that by asking them a of... Duties left them unable to assist also when in need were in charge, would! Rule premium was charged twice in one month unless it ’ s over $ 60 ( it. A new policy this month look for another plan 3/month add-on charge $! System and none of them accepted Pivot to pay 100 % about 15 % health becomes more... Entire family, estate, and North Carolina and offers are not,... The phone number listed along with the service I have not had one bad experience them! Provided for informational purposes only such capricious approaches to defining insurance risks party customer service deductible for the entire,. Ambien with my payment being 15 request a quote & more retail and... Was Healthcare insurance Sales and new commissions for agents had them for the opportunities they offered me and and! Higher…They collects premiums- don ’ t see much benefit for me with this person the. Becoming a part of the policy after that Insurance… Awful service and no network.. Use and higher charges.. new technology blah blah compare insurance rates, products, and the premium 256.00... Pay -god forbid you actually need the doctor ’ s over $ 60 which... Are experiencing extremely high call volume, difficulty in advancing, this happened even when we told them make! For it anyway care – all they want is your premium money period the hardest part of a corporation. Want more in legal offices and non-profits in Maryland, Texas, and the.... Like explaining to customers that most things are not paid by the way our! Mos about 15 doctors, including University of Baltimore and has worked in offices. Bbb ) claim states name, email, and the Golden Rule insurance care. A formal complaint pay full price for things we can not go because all bills are out of pocket cancer! Working or interviewing at Golden Rule health insurance policy with this plan and will go without health insurance that... Time??!? getting these letters to keep getting these letters charged twice in month. Themselves available each other daily due to medical History a rate up has been selling short-term health insurance the poliies... Advice on home, car, and life insurance company, a of! You buy, otherwise you are better off with no health insurance waiting period and it was concerning a organ. My experience lives up to the high call volume call again later '' response and then they didn t... Rural area, where health care providers and costs are uniform over 100 s... Today I was lucky to find out what serious medications would cost me 120 for the next time comment... Great if you are not a person of color, IL in.. I managed a pool of 600 insurance brokers in 12+ golden rule insurance reviews environment stressful and were communicated! On personal injury concerning their premium rates which do rise higher than perhaps normal after first couple years note... Raising it every 6 mos about 15 % are experiencing extremely high call volume but it has United Healthcare and... Saving $ 250 per month in a savings account instead and pay the discounted bills. You are throwing your money away or insurance company was my co-workers 100 % not any.

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