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Review: Golden Rule |
Company Information
Company History: Founded 1947, pioneered Medical Savings Accounts in 1993. ... |
Survey Results
Overall, how satisfied are you, with Golden Rule?
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Contact Information
Company Contact Info:
CEO Richard A. Collins
7440 Woodland Drive
Indianapolis, IN 46278-1719
317-297-4189 |
Comments
"We have a high deductable at $10,000 and Golden Rule to pay 100% after that. We participate in a HSA which we pay into each month. We used the money out of the HSA bank to pay for regular doctor visits and prescriptions. We never thought we'd ever meet the deductible. Then our daughter of 5 years old was diagnosed with Leukemia. CANCER! We have met the deductible two years so far and I expect to meet it probably another two. Golden Rule has paid every claim after the deductible 100% as the claim states. They cover EVERYTHING from doctor visits to prescriptions. Since one parent is also on the policy, the deductible is already met, that medical coverage is taken care of as well.
This has been one heck of a way to experience what having insurance means. I would also like to note that we know other families with children with cancer who have 80/20 plans. They are paying way more than $10,000 a year in medical bills! Also, since the hospital is aware of our high deductible they were gracious enough to discount their charges. I highly recommend Golden Rule to anyone who does not have coverage or is self-employed. I can't say enough about this health insurance. I am proud to pay it every month because in our situation, they have been wonderful. They take care of claims as stated and we have never been questioned. by the way, our daughter is in remission doing well through chemo and the rest of her treatment. God is awesome! Good luck to you."
2008-11-06 22:10:09 EST
"I have had Golden Rule for less than three years and they have raised my premium to a ridiculous amount that I can no longer afford. They raised it twice in one year. They sounded so great when I signed up with them ,but I'm now paying 1,500.00 "more" a year. I am now looking for another company."
2008-08-09 12:26:58 EST
"This is for all the people out there that do not know what a deductable is. Get the lowest possible deductable on any insurance that you buy, otherwise you are throwing your money away. Put the $250 per month in a savings account instead and pay the discounted medical bills if and when you get them. Do the math, Stiches while insured will run about $850. If your deductable is $2500, you will owe $850. Broken leg $1800, you will pay $1800. 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. How often do you get stiches or break a leg? Once every 5 years? 5 years of saving $250 per month for medical emergencies will give you at least $15,000 in the bank. That will pay for 2 arms, 2 legs, and a stich job. I only have insurance because I have a high risk job and my premium is only $185 per month with a $750 Deductable."
2008-08-06 19:16:10 EST
"does'nt pay anything"
2008-07-19 17:44:00 EST
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