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. They have been accredited since 1985 and have a total of 17 complaints on file in the past three years. The atmosphere was close knit, Different Since Becoming Part of UnitedHealthCare, dealt with Insurance Agents over the whole state of Ohio. According to GR, I’m stuck with paying 360% more (this is not an exaggeration!) by the way, our daughter is in remission doing well through chemo and the rest of her treatment. 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. Finding trusted and reliable insurance quotes and legal advice should be easy. I would not wish this job on my enemies. The company had many incentives that helped with the employe moral. Jeffrey Johnson is a legal writer with a focus on personal injury. Managing Editor & Insurance Lawyer. All preventive care is out of pocket. These guys are crooks. Clearly, you were lucky. Deductibles are Ridiculously HIGH. It was correct. They think people will get tired of the hassle of resubmitting and just pay the bill (which I have done a few times). from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. Nothing on FreeAdvice.com constitutes legal advice and all content is provided for informational purposes only. I don’t know where to start. It will break your spirit after many years of this. Golden Rule is financially strong with an A.M. Best rating of “A” (Excellent) and an “A+” from Standard &Poors. Fun environment, but extremely stressful due to the high call volume. UnitedHealthcare’s economical Golden Rule Vision Insurance divides coverage into two plans, one for glasses or contact lenses, and another for both eyeglasses and contacts. The company has been selling short-term health insurance for … UnitedHealthOne is a brand representing a portfolio of insurance products offered to individuals and families through the UnitedHealthcare family of companies. Golden Rule was originally a family owned company and was a great place to work. They have been wonderful I have not had one bad experience with them. I’ll be shopping for a new policy this month. This company is not in business any longer. Goldenrule denies claims when they know and state that they have inadequate medical records rather than requesting more records. Golden Rule in my experience lives up to their namesake. Avoid Golden Rule Insurance as much as possible. Company History: Golden Rule Insurance Company was founded in Lawrenceville, IL in 1940. 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. I feel that this is a scam to get out of paying bills. I am DISGUSTED. Our goal is to be an objective, third-party resource for everything legal and insurance related. Stay away! Also, since the hospital is aware of our high deductible they were gracious enough to discount their charges. I don’t see much benefit for me with this plan and will look for another plan. Today Golden Rule Insurance serves over 25 million customers. My prescriptions (which are supposed to be covered apples to apples) almost quadrupled. They do not have any mechanism for internal review of this. 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. However, my caregivers, the hospitals I use, and all other aspects of my health care remained the same. We update our site regularly, and all content is reviewed by experts. … 3 reviews of Golden Rule Insurance "fuck your wait times when calling customer service. denied claim for doctor visit for ear infection…after one year, 20% rate increase. Get the HSA! This practice has been going on for over 6 months and still no one has recieved any money. 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. My responsibilities included relationship building and health insurance product training. The most enjoyable part of the job was the satisfaction of helping customers and overcoming difficult issues with a team. I called the phone number listed along with the transaction and it turned to be a third party customer service. It’s a joke. They will not cover anything. Yes No, For those seeking HIGH DEDUCTIBLE PLANS: beware! I have been treated like dirt by this company. High Call Volume, difficulty in advancing, This Job is so stressful. CANCER! 12 Golden Rule reviews. 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.”. Management was helpful and provided team leads to assist also when in need. It has been an accredited company with the BBB since … Get a quote. Read ★ Golden Rule customer experiences now. I believe the entire company is a scam. This company is a joke. I moved to a new zip code 4 months ago. 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. 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!!! UnitedHealthcare underwrites its policies through Golden Rule Insurance Company, a part of UnitedHealthcare since 2003. In 2003 the company merged with UnitedHealthcare Company. I have been insured with Golden Rule for 19.5 years. They increased my health insurance premium by 20% this year when I had no claims against the company. 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. We have a high deductable at $10,000 and Golden Rule to pay 100% after that. You have ridiculous deductibles to meet and then even after you meet them you still have to pay full price for things. Guardian Dental is one of the most unprofessional insurance companies that I have ever had to deal with. Please verify any direct legal advice or rate information with your attorney, insurance company, or agent, respectively. The only time I hear from the company is to reject my claims and ask for the premium payment. 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!!?? The pay is not fair for all of the work that you are required to don. Bottom line – they do not want to pay out on claims. because they won’t let me have their other cheaper policy. Golden Rule Insurance was first mentioned on PissedConsumer on Feb 06, 2008 and since then this brand received 81 reviews. However, it has to be sent to the Golden Rule address on the back of the card. The people were very professional and trained. The insurance card is very confusing and will cause you considerable trouble. The employees I worked with were wonderful and I am still friends with many of them. Golden Rule just recently raised our rates 97%. I would never reccomend them to anyone! Thinking the doctor’s office may have just coded it incorrectly I called to have the code verified. I was pleased with their payments. Disclaimer: Customer services is fantastic! This company is the ultimate feet draggers. These guys deny anything and everything they can and they need very little justification to do so. We helped each other daily due to supervisors duties left them unable to assist the workers. That will pay for 2 arms, 2 legs, and a stich job. 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. They did not follow my instructions when I tried to change my plan, they gave me and my doctor FALSE information about my plan. Once every 5 years? All legal content, insurance rates, products, and services are presented without warranty and guarantee. Aetna Health Insurance Read 1,050 Reviews ... Golden Rule Read 122 Reviews … Save my name, email, and website in this browser for the next time I comment. This is a great place to work if you are a young employee looking for a place to start your career. They will not process or reinstate my coverages until I send them proof of the payment. ), so we basically pay for any appts or meds we need. They are liars and thieves. The overall rating of the company is 1.4 and consumers are mostly dissatisfied. Id hate to find out what serious medications would cost me with this ridiculous company. Written by As a smaller employer the practices of the company were flexible an worked well for both the company and the … Golden Rule/ UNH stock price keeps going higher…they collects premiums- don’t pay for anything for anything except basic wellness. 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. Then when i got coverage for my son only, my premium was charged twice in one month. People rely on reviews to make better decisions. Auditors were constantly providing low ratings on the reps, especially when there were no clear guidelines. 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. He earned a J.D. Reviewers write the most about Golden Rule Insurance Customer Care and give it 3.0 stars out of 5. If you are a not of color you can work here and advance. They said due to medical history a rate up has been added! The hardest part of the job was trying to explain why the plans were so expensive and did not cover any of their pre-existing conditions. My premium actually went down by $40 a month after my first year with them!! This is a TERRIBLE INSURANCE COMPANY. Other complainers either didn’t understand their policies and/or in some cases appeared to misrepresent the facts. Good luck to you. 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. See BBB rating, reviews, complaints, request a quote & more. 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. Company management doesn't think through how to achieve its goals - making money. 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. A typical day at work was answering questions from clients, customer complaints on the price of the products and the exclusions on the policies. Started work there in Shreveport, LA moved to Tulsa, OK and then to Atlanta, GA. For people who … I live in a rural area, where health care providers and costs are uniform over 100’s of square miles. Golden Rule Insurance Reviews by Job Title. One deductible for the entire family, 100% coverage after that! F2 Help from a historic brand Together, … In April again this year I have been informed by the company that my rates are going up an additional 16%. From my escrow account on 12-24-08 – then cancelled me in 2/09 able to type fast and talk the. Of square miles enough to discount their charges were flexible an worked well for both the.! 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