The Golden Rule Insurance is a health insurance company established in 1940 by Mary and Bernard O’Neal. This company is a subsidiary of the UnitedHealthOne, which is a part of the UnitedHealth Group. The Golden Rule Insurance provides a broad range of health insurance plans, including dental, vision, short-term medical, and more.
History of Golden Rule Insurance
The Golden Rule Insurance was founded in 1940 in Lawrence, Kansas. It was started by Mary and Bernard O’Neal, who saw the need for affordable health insurance for families. The company grew steadily over the years, and in 2003, it was acquired by UnitedHealth Group, one of the largest health insurance providers in the world.
Today, the Golden Rule Insurance is a leading provider of individual health insurance plans in the United States. It is known for its exceptional customer service and high-quality coverage options.
Why Choose Golden Rule Insurance?
Choosing the right health insurance plan can be overwhelming, but Golden Rule Insurance makes it easy. Here are some reasons why you should consider choosing Golden Rule Insurance for your health insurance needs:
1. Flexible Coverage Options
Golden Rule Insurance offers a wide range of coverage options to fit your specific needs and budget. Whether you need a short-term medical plan or comprehensive coverage for your whole family, Golden Rule Insurance has you covered.
2. Exceptional Customer Service
Golden Rule Insurance is known for its exceptional customer service. Their team of knowledgeable agents is available to answer any questions you have and help you choose the right coverage options for your needs.
3. Competitive Rates
Golden Rule Insurance offers competitive rates for their coverage options, making it an affordable choice for individuals and families. They also offer discounts for healthy lifestyle choices, such as non-smoking and regular exercise.
4. Strong Financial Stability
Golden Rule Insurance is backed by the financial stability of UnitedHealth Group, one of the largest health insurance providers in the world. This ensures that your claims will be paid and your coverage will be secure.
Health Insurance Plans Offered by Golden Rule Insurance
Golden Rule Insurance offers a variety of health insurance plans to fit your needs and budget. Here are some of the most popular health insurance plans offered by them:
1. Short-Term Medical Insurance
Short-term medical insurance provides temporary coverage for individuals who are in between jobs or waiting for another health insurance policy to begin. This coverage can last from 30 days up to 364 days and can be renewed for up to 36 months in some states.
2. Health Savings Account (HSA) Plans
Health Savings Account (HSA) plans allow individuals to save money tax-free for qualified medical expenses. These plans typically have lower monthly premiums and higher deductibles than traditional health insurance plans.
3. Copay Plans
Copay plans offer fixed copayments for doctor visits, prescription drugs, and other medical services. These plans typically have higher monthly premiums and lower deductibles than other health insurance plans.
4. High-Deductible Health Plans (HDHP)
High-Deductible Health Plans (HDHP) offer lower monthly premiums and higher deductibles than other health insurance plans. These plans are ideal for individuals who want to save money on their monthly premiums and are willing to pay more out-of-pocket for medical expenses.
Frequently Asked Questions about Golden Rule Insurance
1. What is the Golden Rule Insurance?
The Golden Rule Insurance is a health insurance company founded in 1940 by Mary and Bernard O’Neal. It offers a broad range of health insurance plans, including dental, vision, short-term medical, and more.
2. Is Golden Rule Insurance a part of UnitedHealth Group?
Yes, Golden Rule Insurance is a subsidiary of UnitedHealthOne, which is a part of the UnitedHealth Group.
3. What types of health insurance plans are offered by Golden Rule Insurance?
Golden Rule Insurance offers a variety of health insurance plans, including short-term medical, health savings account (HSA) plans, copay plans, and high-deductible health plans (HDHP).
4. Does Golden Rule Insurance offer dental and vision insurance?
Yes, Golden Rule Insurance offers dental and vision insurance as part of its health insurance plans.
5. How do I contact Golden Rule Insurance?
You can contact Golden Rule Insurance by visiting their website, calling their customer service number, or finding a local agent near you.
Plan Type |
Description |
Short-Term Medical Insurance |
Temporary coverage for individuals who are in between jobs or waiting for another health insurance policy to begin. |
Health Savings Account (HSA) Plans |
Allows individuals to save money tax-free for qualified medical expenses. |
Copay Plans |
Offers fixed copayments for doctor visits, prescription drugs, and other medical services. |
High-Deductible Health Plans (HDHP) |
Offers lower monthly premiums and higher deductibles than other health insurance plans. |
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