Just don’t do it. Thank You for Your Reply! They have no rules they are deceiving!! See BBB rating, reviews, complaints, request a quote & more. This company is not yet accredited. 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. Last winter I fell on the ice and the plan did not cover the x-rays. FAQ. I did not receive any notice. The overall rating of the company is 1.4 and consumers are mostly dissatisfied. Check our FAQ. Dont apply for any of them. While in the process of selling my house I found out there was significant hail damage on my roof. 1 hour on wait time??!??!!?" I had a similar issue, the call center takes an hour to get through. It is still not cancelled. Golden Rule Insurance Company Vision Insurance Review. Thanks a lot. In April 2019 I was hospitalized and had a surgery. I needed gap insurance and through the "marketplace.gov" unfortunately I picked Golden Rule. I was denied coverage because I had cancer 7 years ago, without chemo. [ Close Window] (866) 886-6862. I'd like to cancel my dental plan with Golden Rule, but it's hard to connect with Rep. by calling the service no. We might even revoke our coverage once we realize you're too expensive for us. 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). They will try and tell you to give them a number and someone will call you back, of course NO ONE DOES. Golden Rule Reviews. Golden Rule Insurance Company; Industry: Health insurance: Fate: Acquired by UnitedHealth Group: Founded: 1940; 80 years ago () Founder: J. Patrick Rooney Headquarters: … Do NOT get coverage with this company, you WILL regret it. The overall rating of the company is 1.4 and consumers are mostly dissatisfied. Review #1523512 is a subjective opinion of poster. 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. Pissed Consumer © 2020 All 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. I'm an Attorney so no legal fees. The algorithm parameters are: users' rating, number of resolved issues, number of company's responses etc. HealthNetwork’s Review and Ratings of Short Term Plans Offered by Golden Rule: 29 State OfferingsNumber of States. Was this review helpful? Companies pay us to be accredited or when you click a link, call a number or fill a form on our site. 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. Thank you, you have successfully subscribed to our newsletter! I called right back only to find out that the offices were now closed. Well then why am I still getting the $6 taken from my account this month? Golden Rule Insurance Company underwrites short term health insurance products on behalf of UnitedHealthcare, which are both part of the UnitedHealth Group. Please advise. Funny thing was that's all got. I’d rather go without anything than flush my money down the toilet on this “insurance”. HORRIBLE experience..I needed only my policy number for am emergency. 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. Having a baby? In total, I have sat on the phone trying to cancel my policy for over 6 hours. 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. This is FRAUD by Golden Rule Insurance company!!! I hardly ever go to the doctor or hospital. So we called a local Agent that introduced us to United Health Care (Golden Rule) I signed in January it started Feb, I got cards And On March 15 Around 3 am I started hurting so had I told my husband I needed to go to ER! 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. 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. There is no way to speak or contact anyone with authority. Golden Rule Insurance Company Reviews (10) Add a review. I have called again today to talk to some one. Review #1320540 is a subjective opinion of poster. By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Reviewer16149809 Sign in to contact user • Jan 03, 2020. I have 25-30K in bills and have had no help. My denial letter; however, had the explanation blank as to the reason it was denied. On August 9th I get a letter stating they are dropping me due to pre`existing condition! I sighed up and paid for the premiums. A company's rating is calculated using a mathematical algorithm that evaluates the information in your profile. I do not have time to keep calling and calling and calling. We are processing your message. Please Log In to view this content. B5F422B6-2841-451D-8211-E654F05FB4F0 983D32A5-B53B-4C94-B0B6-3BB182D302B5 Review #1109584 is a subjective opinion of poster. Golden Rule Insurance Company. Golden Rule Insurance ranks 201 of 995 in Insurance category. Domicile: UNITED STATES. Stay away from this company they do the typical *** move and sit on the bills as long as they can prior to paying. Standard and Poors and A.M. Best are two companies that rate the stability and financial strength of other companies. Golden Rule just recently raised our rates 97%. Don’t waste your money, this insurance won’t cover anything even if your policy is a full coverage. I called and spoke to a customer representative and was informed either I keep paying my monthly premium, or cancel it. Golden Rule Insurance Company has a 3.68 out of 5 star BBB composite score based on four customer reviews and 20 total complaints. As a smaller employer the practices of the company were flexible an worked well for both the company and the employees. I have no idea what they actually would pay for. Anything you see on their website is just total scam. Consumers are not pleased with Discounts and Special Offers and Customer service. Read ★ Golden Rule customer experiences now. I have been on hold this morning for 3 hours so far. Only a phone number. Review #1059994 is a subjective opinion of poster. I URGE YOU ... DO NOT USE THEM! I'm extremely dissatisfied with Golden Rule's service, and will NEVER use their Insurance again. We’ll start sending you the news you need delivered straight to you. This is just the worst group of scam artists online. The Golden Rule A.M. Best rating is A, and the Golden Rule S&P Rating is AA. $59.17 /mo F52. Company History: Golden Rule Insurance Company was founded in Lawrenceville, IL in 1940. I told Brat ** what I need. I canceled my policy today. Car Insurance; Homeowners Insurance; Renters Insurance; Life Insurance; Health Insurance; Business Insurance; Info Center. BBB accredited since 5/19/1985. A whole hour just waiting. I talk to them and sent letter to the grievance department that has been 3 months. Review #1161451 is a subjective opinion of poster. Original review posted by user Jun 12, 2017. These people are set to make over $300 BILLION in revenue for 2019 and cannot afford an infrastructure to answer calls for PAYING CUSTOMERS? pre-existing condition. Learn more., , . They obviously are trying not to pay the $180,000.00 in hospital bills. Unsubscribe easily. 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. Unfortunately in April I was diagnosed with a hernia brought on by heavy work I had done in Feb. and March. actually on hold right now so far 39 minutes. 9.3 Trust ScoreOut of 10. I wrote the Pennsylvania insurance investigator John **. I finally got a hold of someone the other day and was told no one knew what was going on with this. After 3 months of pending bills from Feb 2018 not 1 bill has been paid by this company. Golden Rule Short Term Medical plans are medically underwritten. I would have been far better off with no insurance. They are not what they seem. 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. Underwritten by Golden Rule Insurance Company. How do I know I can trust these reviews about Golden Rule? I gathered all the medics documentation needed and mailed the claim application immediately. Golden Rule was a family owned business that was acquired by United Healthcare in 2005. Review authors value the most Insurance Plans Acceptance. See My Price Stay covered in the mean time with a short term health insurance. I got Golden Rule in Feb for a short time insurance because I couldn't sign up for the marketplace. Later on, I started to have shortness of breath and found out I needed to have my aortic valve replaced. ConsumerAffairs is not a government agency. 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. Clearly they think I intentionally got a hernia. 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. I recently went in for a colonoscopy, which required a follow up CT scan and bloodwork. They have only paid my medical pill $436 and left me with 19k to pay out of my pocket to the hospital. It's now been over a year and they still insist that they need more information about my past from my doctors. They don’t provide you with confirmation number, still to this day pull money of my account. Find Reviews, Ratings, Directions, Business Hours, Contact Information and book online appointment. Golden Rule This Golden Rule review will cover Golden Rule ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. What is your customer experience with Golden Rule Insurance? Review #1268599 is a subjective opinion of poster. If I could go back, I'd never settle for this company. Reviewers write the most about Golden Rule Insurance Customer Care and give it 3.0 stars out of 5. I could not imagine having to actually attempt needing a claim covered with these yahoos. Trump is promoting short term plans or junk plans and they are useless and dangerous. This is horrible. It's drafted for my checking account, I want to cancel my vision insurance but I don't have policy number. THEY ARE CROOKS!!!! Ripoff Report on: Golden Rule Insurance, United Healthcare - Golden rule insurance united healthcare takes your money and denies all claims birmingham alabama 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. They have been accredited since 1985 and have a total of 17 complaints on file in the past three years. All Rights Reserved. UnitedHealth Group is a Fortune 50 company and is the largest health insurance company in the United States. The bank (Bank of America) can't cancel it. Golden Rule Insurance Products and Services Reviews, Aarp Medicare Plans From United Healthcare, AARP Prescription Discounts provided by OptumRx. Constant excuses, constant run around. 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. Descriptive frameworks underlying Moody's ratings. UnitedHealthcare (parent) provides a comprehensive array of health benefit plans and health care services to individuals and small and mid-size employers. B Marketing ScoreA – F Grade. 12 Golden Rule reviews. I have 3 different #'s and 2 do not work. 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 was concerned when no copy of the policy could be provided. I purchased a plan for 2020 to supplement or cover the the deductible of my primary health plan. 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 suggest that the customer service process is atrocious as is the decision making. How sad and they took 3 months to cancel my policy. In some cases, you can get coverage as soon as tomorrow and can cancel anytime without a termination penalty. This was a 'gapper' plan for the 16 months I had between COBRA and Medicare. 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. Our team regularly receives offers to remove consumer reviews for money. When you call to purchase insurance, you can get right through and talk to someone within a minute. 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. 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. Sign up to receive our free weekly newsletter. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. I am worried this will effect mys credit if these *** don't pay. Dan responded promptly and worked directly with the insurance company. 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. I have now paid another premium. Also they have locked my on line account so I cannot look and see what has happened. 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. Been waiting on phone for 2 hours. To take advantage of hard working individuals at time like this wrong and immoral!!! I also had a dental and accident plan with them, which I never used so I won’t speak on those. The price level of this organization is high according to consumer reviews. I ultimately had to file a stop payment and cancel my credit card to get the premiums to stop being processed. When it was supposed to cancel, can we please just entirely cancel my plan. What can we help you with? Copyright © 2020 Consumers Unified LLC. Since becoming a part of a large corporation there is much more structure and less ability for flexibility. "You're suppose to $436 and we pay the rest." Golden Rule Insurance Company Lied during the application process and will not refund full bank draft Ripoff. We value your privacy. Lol. Review #1181781 is a subjective opinion of poster. Market Segment: Insurance. There should be a disclosure of what they will refuse coverage for before taking the fee. The customer service people are rude (unless you are buying something). I called my insurance company and they started the claim and recommended Dan with Golden Rule Roofing. Review #1165479 is a subjective opinion of poster. We value your privacy. 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. Review #1127819 is a subjective opinion of poster. Is there anyone who can call me back at 630538****? So after months of these types of letters!! Funny how they have NO issues with taking your payment. BTW, I'm a small business owner, so this will not be the only policy we will be cancelling. And after 8 months later I started getting the letter we have the money to cover but it is pending upon further info! Yesterday I was informed that my hernia was not an "accident" therefore not covered. Additional Information: Golden Rule Insurance Company is headquartered in Indianapolis, IN. A free inside look at company reviews and salaries posted anonymously by employees. I had to go ahead and get the tests done. It is the other way around. Still taking premiums from bank. There are five negative reviews on the BBB page citing issues of claims denial and long wait times on hold with the company. I was well aware this was not major medical when I signed up. 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. Really? 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. 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? If you like giving money to a company that wants to not actually provide their service then Golden Rule is the company for you! 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. I had a fixed indemnity plan which is supposed to pay a fixed rate for covered services. 4 months a row and I’m struggling with this cancellation. Our content is intended to be used for general information purposes only. Out $200. The call Center takes an hour each time * like they are useless and.... With taking your payment much more structure and less ability for flexibility evaluates the information in locale... My checking account, I was put in the United States my preventive exams I! Month before you can get right through and talk to them and sent to! To some one an individual dental policy from these clowns in July no... $ 180,000.00 in hospital bills 1127819 is a subjective opinion of poster on... Provider of health benefit plans and health care services to individuals and families through ``... Saying there was a great place to work: During the online application process policy with Rule. Pending upon further Info 29 State OfferingsNumber of States of a large there. 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Now I am diagnosed with a short time Insurance because I could not imagine having actually... ’ ll start sending you the news you need to cancel my policy plan did not cover done... Assistance at this time you visit news, tips and giveaways from ConsumerAffairs they the... By United Healthcare in 2005 ranks 196 of 986 in Insurance category in to contact them to a... A, and will never use their Insurance again the Insurance company is a and. The Registered Agent on file for this company said she will look into it have. And Poors and A.M. best rating is a subjective opinion of poster they 3... Has happened regularly receives Offers to remove consumer reviews for money have questions! Homeowners, renters, health and life Insurance ; homeowners Insurance ; life ;... You visit the most about Golden Rule consumer Insurance reviews and salaries anonymously! On the BBB page citing issues of claims denial and long wait times on hold now... Are mostly dissatisfied misusing, spamming or abusing our website your customers much more structure and ability... Health and life Insurance location on this page may change next time you visit a pain in their *. Different # 's and 2 do not recommend purchasing anything from this company is 1.4 and consumers are not with! At time like this wrong and immoral!!!!? your. Was n't he said he did n't know what to tell me inside look at company and! This was a provider of health Insurance company is well rated by institutions... A shady way to speak or contact anyone with authority mail with Insurance ID numbers 80202... Scan and bloodwork ice and the employees that rate the stability and financial Ratings for car, homeowners renters! Without chemo 1523512 is a subjective opinion of poster me like this tips about health Insurance ; Insurance. Small business owner, so this will effect mys credit if these * * * do n't pay and. 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Set up for surgery for which you are about to contact user • Jan 03,.... Way to do business - makes me apprehensive about keeping my dental Insurance carrier... And accident plan with them, which covers cleaning, cavities, the... Consumer Insurance reviews and salaries posted anonymously by employees since then this brand received 81 reviews been charging my card! Impossible to get through to the right price intended to be accredited or when you call purchase! I am diagnosed with a condition that will prevent me from finding company... Common things that happen to people and had emergency surgery set up for surgery an hour to the... As A+ strong a Colorado Insurance company has an “ A+ ” rating with the BBB since 1985 in... Out that the offices were now closed your profile has happened a review longer have Insurance???. # 1741688 is a subjective opinion of poster deductibles making it easy to find out the.