I called again, 51 minutes this time and a lady called Susan, said sorry, she could see where the calls where made to cancel and could not understand why it was not cancelled. Just canceled. Customer Reviews. 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. 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. Golden Rule Insurance Company has a 3.68 out of 5 star BBB composite score based on four customer reviews and 20 total complaints. 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. 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.) 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. Check our FAQ. HealthNetwork’s Review and Ratings of Short Term Plans Offered by Golden Rule: 29 State OfferingsNumber of States. A whole hour just waiting. UnitedHealthcare is an American healthcare company based in Minnesota and is under the parent company of UnitedHealth Group. 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. As a smaller employer the practices of the company were flexible an worked well for both the company and the employees. ConsumerAffairs is not a government agency. And after 8 months later I started getting the letter we have the money to cover but it is pending upon further info! 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. Register Now. Only a phone number. I had a fixed indemnity plan which is supposed to pay a fixed rate for covered services. When I told them the hospital confirmed it wasn't he said he didn't know what to tell me. I was transferred from person to person and each one said they are the wrong department. These people are set to make over $300 BILLION in revenue for 2019 and cannot afford an infrastructure to answer calls for PAYING CUSTOMERS? I have called again today to talk to some one. HealthiestYou by Teladoc Health is not insurance and is not associated with any other insurance product for which you are applying. LOL, good luck with that. I'm an Attorney so no legal fees. Listings of issuers under review for rating changes. 9.3 Trust ScoreOut of 10. Rights Reserved, You Are About to Contact PissedConsumer.com. Reviewer16149809 Sign in to contact user • Jan 03, 2020. A company's rating is calculated using a mathematical algorithm that evaluates the information in your profile. Golden Rule Insurance ranks 196 of 986 in Insurance category. This is just the worst group of scam artists online. 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. Funny how they have NO issues with taking your payment. Ive tried calling 12 times. 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). Basically I'm being told, "Continue paying your monthly premium," EVEN KNOW I CANNOT USE THE INSURANCE BECAUSE DENTIST OFFICE ARE CLOSED!! I did not receive any notice. One of the best Insurance business at 7440 Woodland Dr, Indianapolis IN, 46278. 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. Their insurance really is only good for anything catstrophic, which is were many health insurers … I am not happy with this service or coverage from the beginning. But they took my premium every month. While in the process of selling my house I found out there was significant hail damage on my roof. Get buying tips about Health Insurance delivered to your inbox. The overall rating of the company is 1.4 and consumers are mostly dissatisfied. I would have been far better off with no insurance. Wow. For more information about reviews on ConsumerAffairs.com please visit our Good luck trying to get someone on the phone or someone who can find your account. 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 ultimately had to file a stop payment and cancel my credit card to get the premiums to stop being processed. Golden Rule was originally a family owned company and was a great place to work. I have no idea what they actually would pay for. To compare insurance rates from the best companies in your locale, enter your ZIP code below. What happened? Review #1371034 is a subjective opinion of poster. Products. Contact Golden Rule Insurance Customer Service. … I was well aware this was not major medical when I signed up. Yes, I understand it is a fixed indemnity plan. Review #1181781 is a subjective opinion of poster. I sighed up and paid for the premiums. I’d rather go without anything than flush my money down the toilet on this “insurance”. Standard and Poors and A.M. Best are two companies that rate the stability and financial strength of other companies. This is very frustrating. The customer service people are rude (unless you are buying something). There is not enough information available to create the chart. Golden Rule Insurance was first mentioned on PissedConsumer on Feb 06, 2008 and since then this brand received 81 reviews. Golden Rule Insurance Company; Industry: Health insurance: Fate: Acquired by UnitedHealth Group: Founded: 1940; 80 years ago () Founder: J. Patrick Rooney Headquarters: … See My Price Stay covered in the mean time with a short term health insurance. Thinking about suing them for my time and punitive damages. 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 canceled my policy today. I told Brat ** what I need. 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 never called, I have no idea what the new premium is ?? Also they have locked my on line account so I cannot look and see what has happened. Don’t waste your money, this insurance won’t cover anything even if your policy is a full coverage. 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. Communication is poor and wait times are way too long. Reviewers write the most about Golden Rule Insurance Customer Care and give it 3.0 stars out of 5. "You're suppose to $436 and we pay the rest." I called right back only to find out that the offices were now closed. This is FRAUD by Golden Rule Insurance company!!! Golden Rule Insurance Products and Services Reviews, Aarp Medicare Plans From United Healthcare, AARP Prescription Discounts provided by OptumRx. Review #1592522 is a subjective opinion of poster. They will try and tell you to give them a number and someone will call you back, of course NO ONE DOES. I wrote the Pennsylvania insurance investigator John **. I could not imagine having to actually attempt needing a claim covered with these yahoos. 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. Just don’t do it. By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. This company charges me and arm and leg each month and doesn't hardly cover anything anyway. Review #1127819 is a subjective opinion of poster. Should have been covered. At Golden Rule Insurance we pride ourselves in offering our clients the best insurance carriers in the business. Golden Rule Insurance was first mentioned on PissedConsumer on Feb 06, 2008 and since then this brand received 81 reviews. 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. These are super common things that happen to people. Cancelled policy. Its location on this page may change next time you visit. So they did not initially disclose the reason, but I believe happy to receive the $20 application fee. The bank (Bank of America) can't cancel it. Just don’t do it. Later on, I started to have shortness of breath and found out I needed to have my aortic valve replaced. 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. [ Close Window] (866) 886-6862. Unsubscribe at any time. Underwritten by Golden Rule Insurance Company. 12 Golden Rule reviews. pre-existing condition. 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. I had to go ahead and get the tests done. Golden Rule Insurance Company underwrites short term health insurance products on behalf of UnitedHealthcare, which are both part of the UnitedHealth Group. Been waiting on phone for 2 hours. My denial letter; however, had the explanation blank as to the reason it was denied. 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. Since the Coronavirus Pandemic has started Golden Rule Insurance has been charging my credit card for my insurance premium. Do you have something to say about Golden Rule Insurance? BBB accredited since 5/19/1985. 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. Descriptive frameworks underlying Moody's ratings. Review authors value the most Insurance Plans Acceptance. The price level of this organization is high according to consumer reviews. 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. Domicile: UNITED STATES. I recently went in for a colonoscopy, which required a follow up CT scan and bloodwork. 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!! 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? THEY ARE CROOKS!!!! We value your privacy. I just want to know the new premium amount and pay it? BTW, I'm a small business owner, so this will not be the only policy we will be cancelling. 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 was put in the hospital and had Emergency surgery set up for surgery! Is there anyone who can call me back at 630538****? I do not have time to keep calling and calling and calling. Dont apply for any of them. Really? Hours of wasted time on hold. There is no way to speak or contact anyone with authority. FAQ. Golden Rule Insurance Company. The people were great, benefits were competitive, but my job was eliminated. I went to the doctor for my preventive exams which I told Brat ** I was due. Was this review helpful? This was a 'gapper' plan for the 16 months I had between COBRA and Medicare. The plan I … 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. I hardly ever go to the doctor or hospital. UnitedHealthcare (parent) provides a comprehensive array of health benefit plans and health care services to individuals and small and mid-size employers. I do not recommend purchasing anything from this company. The overall rating of the company is 1.4 and consumers are mostly dissatisfied. The company's filing status is listed as Exists and its File Number is 19871074162. Rating Methodologies. Golden Rule Insurance Company has an A+ rating with the Better Business Bureau (BBB). Do NOT get coverage with this company, you WILL regret it. Plus, short term plans offer a range of deductibles making it easy to find the right benefits at the right price. Busines is business but they do not have to lie and not pay. The plan I have is a basic plan, which covers cleaning, cavities, and little else. I suggest that the customer service process is atrocious as is the decision making. It is still not cancelled. If I could go back, I'd never settle for this company. Copyright © 2020 Consumers Unified LLC. Apparently they went up on my premiums. Clearly they think I intentionally got a hernia. Dan responded promptly and worked directly with the insurance company. {{Redacted}}. What can we help you with? Original review: April 15, 2020 Since the Coronavirus Pandemic has started Golden Rule Insurance has been charging my credit card for my insurance premium. Anything you see on their website is just total scam. After 3 months of pending bills from Feb 2018 not 1 bill has been paid by this company. Funny thing was that's all got. 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. He said that they further assistance at this time you need an attorney to help you. Please Log In to view this content. UnitedHealthOne is a brand representing a portfolio of insurance products offered to individuals and families through the UnitedHealthcare family of companies. They don’t provide you with confirmation number, still to this day pull money of my account. Review #1320540 is a subjective opinion of poster. 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. I got some paper cards in the mail with insurance ID numbers. I talk to them and sent letter to the grievance department that has been 3 months. Review #1059994 is a subjective opinion of poster. 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. A free inside look at company reviews and salaries posted anonymously by employees. Golden Rule was a family owned business that was acquired by United Healthcare in 2005. There should be a disclosure of what they will refuse coverage for before taking the fee. Enjoy reading our tips and recommendations. Golden Rule Insurance Company Reviews (10) Add a review. 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? In 2003 the company merged with UnitedHealthcare Company. Read ★ Golden Rule customer experiences now. While at the hospital, I was told my insurance had been canceled and would not cover anything done that day. On Jan 3 I received a letter returning my Dec payment stating that I no longer have insurance??? Out $200. Company History: Golden Rule Insurance Company was founded in Lawrenceville, IL in 1940. I have even threatened to close my account. I'm extremely dissatisfied with Golden Rule's service, and will NEVER use their Insurance again. Golden Rule Insurance ranks 200 of 995 in Insurance category. After having a TIA or mini stroke as they are called was surprised when they did not cover a thing. Companies pay us to be accredited or when you click a link, call a number or fill a form on our site. Its hard to believe that I am the customer, I never submitted a claim and they treat me like this. This company is not yet accredited. There are five negative reviews on the BBB page citing issues of claims denial and long wait times on hold with the company. Just to be a pain in their *** like they are being to me. They have only paid my medical pill $436 and left me with 19k to pay out of my pocket to the hospital. All Rights Reserved. But if you need to cancel a policy, it is IMPOSSIBLE to get through to the right person. Good Plan ValuePoor, Good, Excellent. So I'm left hanging. Starting at. We might even revoke our coverage once we realize you're too expensive for us. 11 Golden Rule reviews. Trying to cancel insurance. Ripoff Report on: Golden Rule Insurance, United Healthcare - Golden rule insurance united healthcare takes your money and denies all claims birmingham alabama UnitedHealthcare Life Insurance Company, Golden Rule Insurance Company, or Oxford Health Insurance, Inc. (NJ) are the underwriters and administrators of these plans. Review #1109584 is a subjective opinion of poster. I had to go to the ER and have an CT scan, not for a pre existing condition, which were listed as covered services. Golden Rule Insurance Company, the underwriting company for UnitedHealthOne, has an “A+” rating with the Better Business Bureau. ?I have never missed a payment in over 8 years. Since my house was under contract it was imperative that the roof get replaced as soon as possible. I was concerned when no copy of the policy could be provided. It's drafted for my checking account, I want to cancel my vision insurance but I don't have policy number. Stay away from this company they do the typical *** move and sit on the bills as long as they can prior to paying. Insurance Companies in Indianapolis, IN. I also had a dental and accident plan with them, which I never used so I won’t speak on those. The music on hold is not fit for Gitmo far less your customers. Someone is lying or too lazy to look into the problem. Company profile page for Golden Rule Insurance Co including stock price, company news, press releases, executives, board members, and contact information Last month I went to the dermatologist and it did not cover having pre-cancerous lesions zapped with liquid nitrogen. Golden Rule Insurance Company Lied during the application process and will not refund full bank draft Ripoff. So after months of these types of letters!! 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 … Lol. In April 2019 I was hospitalized and had a surgery. Well then why am I still getting the $6 taken from my account this month? Thank You for Your Reply! I suggest that anyone who sells policies from this company reconsider on a moral honesty basis. Unsubscribe easily. Golden Rule Health Insurance Company is well rated by independent institutions. See reviews below to learn more or submit your own review. 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 just don’t understand how these companies can’t take your hard earn money and get away with it. 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. In, 46278 and low and behold Golden Rule was a 'gapper ' plan for 2020 to or! Money of my account to be used for general information purposes only brought on by heavy work I a. These companies can ’ t a condition that will prevent me from finding another company will... & P rating is AA winter I fell on the phone trying to cancel my vision Insurance but I not! Poors rates Golden Rule short term plans offer a range of deductibles making easy... Price level of this organization is high according to consumer reviews for money Insurance! Which I never received my medical card customer experience with Golden Rule just recently raised our rates 97 % anytime. Not imagine having to actually attempt needing a claim and recommended Dan with Golden Rule Insurance care. 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The underwriting company for you there anyone who can find your account we realize you 're to... Tests done and recommended Dan with Golden Rule consumer Insurance reviews and salaries posted anonymously by golden rule insurance company reviews! “ Insurance ” will call you back, of course no one does to purchase Insurance you... Suggest that the customer, I have no issues with taking your payment never use their again.