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Do the words “Golden Rule Health Insurance” ring a bell? Many people have never heard of this company, but it is the insurance underwriter and administrator for United Healthcare health insurance plans. The brand name for the product line is United Health One.
The variety of plans available includes family medical insurance, self-employed health insurance, international health plans, and short-term health insurance products. You can also buy personal health insurance, choosing from co-pay plans, high deductible plans and HSA plans to go with them, and options for dental or vision. There is even a continuity plan for those who find themselves without insurance for a short time. The company claims to offer the choices you want for whatever coverage you might need.
United Healthcare’s webpage promotes Golden Rule Health Insurance as a company that handles your claims in a speedy fashion with attention to good customer service. In this day and age of quick but rude service, it’s refreshing to see courtesy offered to clients.
Golden Rule Health Insurance has a pdf document at www.uhone.com that spells out your options. You can find plan recommendations to fit your lifestyle. What are you needs?
• Co-pay plans, which have become the most common choice among health insurance consumers today, range from lower out-of-pocket costs with higher premiums to higher out-of-pocket costs and lower premiums. They are great for families where there might be a need for frequent doctor office visits. And they work well for people who want guaranteed co-pays for their preventive care and prescription coverage.
• High Deductible plans work for people who are willing to risk that they will have very little medical costs during the course of a year. They make sense if you think your costs will be low because your premiums are much lower for this type of plan. They are also wise choices for people who know they will have very high expenditures, because once you’ve paid your deductible just about everything else is covered. Most companies set the deductible pretty high. Golden Rule Health Insurance’s products offer a wider range of deductibles from $500 to $10,000. You can opt for no charge for office visits after the deductible, 20% co-pay, or no coverage for office visits.
• Health Savings Accounts (HSA plans) are savings accounts where you put money that will be spent strictly on healthcare costs. However, you are not limited to laboratory fees or prescriptions. You can use your savings to pay for over-the-counter medications, vitamins, and even to reimburse yourself for travel to and from your doctor’s office.
• All plans offer a deductible credit. It works like this: If you don’t meet your plan’s deductible during the year, you get a credit of 20% of the amount of your deductible toward the next year’s deductible.
• Seniors can also take advantage of Golden Rule’s Medicare Carve-Out plan. Once you become eligible for Medicare, the company covers the difference between what the plan would normally pay and what Medicare pays.
• Golden Rule plans do not include POS, or point of service options. POS plans require you to choose one doctor who directs all your healthcare needs. The company believes that consumers should be able to choose their physicians and their specialists, as long as they stay within the huge family of Golden Rule health insurance providers.
Golden Rule Health Insurance has been doing business for over sixty years, and coverage is available in most states. Its network of physician and ancillary providers is huge—with over 600,000 physicians—and thus maximizes the options for the care your family needs.
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