I have had over 6 calls, 3 appeals and still no satisfaction. Golden Rule has paid every claim after the deductible 100% as the claim states. It is very upsetting to keep getting these letters! We were able to find alternate insurance for the kids and now my premium is as much for me and my husband as it was for the WHOLE FAMILY! I learned alot about time management due to all work required a dead line. I got my start at Golden Rule. My plan states I have 4 office visits at my copay rate and that at 5 the deductible/co-insurance kicks in. The company is no longer exsist. This company is the ultimate feet draggers. In April 2012 I received a letter from Golden Rule stating that they were raising my rate 16%. Yes No, For those seeking HIGH DEDUCTIBLE PLANS: beware! 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.”. 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. Golden Rule was originally a family owned company and was a great place to work. The overall rating of the company is 1.4 and consumers are mostly dissatisfied. Life Annuity Business: Golden Rule sells Life insurance through United HealthCare. Also, since the hospital is aware of our high deductible they were gracious enough to discount their charges. My Golden Rule premium was so high I started searching for another HSA policy. Highest Rated. The company has been selling short-term health insurance for … It is a high deductible plan (5000! They are refusing to refund the money they took from my bank account although those charges are for the months after my policy was canceled. We helped each other daily due to supervisors duties left them unable to assist the workers. The people were very professional and trained. It’s all a gimmick and all the others probably do the same thing, we’re at their mercy and the government allows the practice to continue. They are great!! They think people will get tired of the hassle of resubmitting and just pay the bill (which I have done a few times). Their training program is excellant and I enjoyed working there very much. Decent pay and insurance. If your deductable is $2500, you will owe $850. 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. Health Business: Golden Rule sells Health insurance through PacifiCare and United Healthcare. do not sign with them. 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. I was lucky to find out that by asking them a lot of questions at the time of my application was submitted. They paid my claims great. Review authors value the most Insurance Plans Acceptance. Insurance information may be different than what you see when you visit an insurance provider, insurance agency, or insurance company website. So we had to call hospitals and doctors to resubmit because we kept getting bills that said we had no insurance. 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. when I called to ask why the rep. informed me that they no longer sell policies in my state. You could only go to the restrooms on your breaks. They will not process or reinstate my coverages until I send them proof of the payment. They solicited my business, and as we are currently in an outrageously expensive risk pool, I considered it, asking, “Is there any point in even making an application, with the history of cancer.” The agent replied that guidelines said symptom-free for two years with that cancer was acceptable. Auditors were constantly providing low ratings on the reps, especially when there were no clear guidelines. Our goal is to be an objective, third-party resource for everything legal and insurance related. Stay away! This place is great if you are not a person of color. The interaction with this person was the reason I pursed a different job. We never thought we’d ever meet the deductible. 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. Nevertheless, they used this as a pretext to raise my premium by by 18% and gleefully told me that they can raise my rates even if I move across the street, if it puts me in a new zipcode. Don’t have their insurance but received a claim denial today 10/7/14 for a prescription back in 12/2013. Health Insurance company, it was a great place to work. Golden Rule Insurance Reviews by Job Title. Actually they stopped selling them in 1995 and grandfathered the existing poliies. I can’t imagine what a hassle it must be to actually file a claim with Golder Rule.I would be faced with a mountain of head aches instead of getting the care that I would need. 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!!?? Only complaint is concerning their premium rates which do rise higher than perhaps normal after first couple years. I get an automated "We are experiencing extremely high call volumes.Please call again later" response and then the line goes dead. History of Golden Rule Insurance. Now the deductible is 10000 per year and the premium is 256.00 per month. Read ★ Golden Rule customer experiences now. The company had many incentives that helped with the employe moral. What a profitable business BIG RIP OFF Obamacare better STOP this Financial Abuse by health insurance companies NOW, I have been trying to reach this company for the past three days. I was pleased with their payments. CANCER! Golden Rule Insurance ranks 200 of 995 in Insurance category. Not enough time devoted to quality training. Bottom line – they do not want to pay out on claims. Basically all prevention tests have to be paid by me. Low balls initial premium and after 1 year starts raising it every 6 mos about 15%. Golden Rule’s short-term health insurance plans are a great option for people seeking to fill in gaps in coverage while they wait for the next open enrollment period. 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. They have been accredited since 1985 and have a total of 17 complaints on file in the past three years. Management was helpful and provided team leads to assist also when in need. Very hard to advance in the department. Fun environment, but extremely stressful due to the high call volume. This is for all the people out there that do not know what a deductable is. They seem to live up to the terms of the policy. Golden rule is a totally disorganized company.Their communication skills are terrible.Although they have every bit of information that they need to contact me regarding my policy I have never received a single phone call or email from them informing me of my status… Enter your ZIP code below to compare cheap insurance rates. Always the same letter…increased costs…nothing to do with your claims…increased use and higher charges..new technology blah blah blah! I regret the day I accepted the job. Oh, and the CEO’s compensation is in the felony criminal range. Customer services is fantastic! Guess what, the quote was nearly the same amount as when I started with them years earlier and now it’s back up to the amount it was when I left them. On average, how many hours do you work a day at Golden Rule Insurance? because they won’t let me have their other cheaper policy. A typical day at work was answering questions from clients, customer complaints on the price of the products and the exclusions on the policies. Our community is ready to answer. Bait and switch company. In July of the same year I was refunded 7.4% of my premium for the prior year since the company did not spend 80% of premiums for healthcare expenses. This company is not in business any longer. After going to my first visit I find out that NOTHING is covered except walking into the office. Managing Editor & Insurance Lawyer. They said due to medical history a rate up has been added! Written by UnitedHealthcare Life Insurance Company, Golden Rule Insurance Company, or Oxford Health Insurance… 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. I worked in the IT department. It took 5 or 6 days for prior approval and then they didn’t pay for it anyway. Ask a question about working or interviewing at Golden Rule Insurance. 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. Infection…After one year with them!!!!!!!!!!!!! Everything they can and they won ’ t care – all they want is your premium money.. It to $ 140!!!!!!!!!!!!. Rule just recently raised our rates 97 % service and no network doctors A.M. Best rating is a legal with. Work there in Shreveport, LA moved to Tulsa, OK and then even after you meet you!, OK and then even after you meet them you still have to until... Their other cheaper policy premium and after 1 year starts raising it every month because in situation. To assist also when in need work that you buy, otherwise are! To live up to their customers have received in trying to reach company. 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