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. It's ridiculous. Review #1268599 is a subjective opinion of poster. This is very frustrating. I’d rather go without anything than flush my money down the toilet on this “insurance”. To take advantage of hard working individuals at time like this wrong and immoral!!! Is there anyone who can call me back at 630538****? I suggest that the customer service process is atrocious as is the decision making. I would think when I called in last time to renew in November and I asked for the same or similar policy that the staff would know. Learn more., , . The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. Do you have something to say about Golden Rule Insurance? Complaint / review text: During the online application process policy with Golden Rule Insurance Company, I had a question about the coverage. $59.17 /mo F52. Their insurance really is only good for anything catstrophic, which is were many health insurers … Review #1741688 is a subjective opinion of poster. Today Golden Rule Insurance serves over 25 million customers. I was transferred from person to person and each one said they are the wrong department. Unfortunately in April I was diagnosed with a hernia brought on by heavy work I had done in Feb. and March. The price level of this organization is high according to consumer reviews. There's a $25,000 out of pocket per year I have to pay before they cover a small percentage of anything, they do not cover any prescriptions, I have no dental, no vision, and they charge me nearly $500 a month premium. The overall rating of the company is 1.4 and consumers are mostly dissatisfied. Out $200. UnitedHealth Group is a Fortune 50 company and is the largest health insurance company in the United States. Communication is poor and wait times are way too long. We might even revoke our coverage once we realize you're too expensive for us. Thank You for Your Reply! Rating Methodologies. Unsubscribe easily. It is the other way around. actually on hold right now so far 39 minutes. Yesterday I got a call back and the rep said she couldnt help me with this, I would have to talk to billing and that they would put me on hold for 4-5 hours. [ Close Window] (866) 886-6862. Find Reviews, Ratings, Directions, Business Hours, Contact Information and book online appointment. I would have been far better off with no insurance. What can we help you with? Thinking about suing them for my time and punitive damages. Dont apply for any of them. They need to right a wrong its time people hold people like this insurance companies are holding their feet to the fire by a class action suit! Golden Rule Insurance Company; Industry: Health insurance: Fate: Acquired by UnitedHealth Group: Founded: 1940; 80 years ago () Founder: J. Patrick Rooney Headquarters: … They will try and tell you to give them a number and someone will call you back, of course NO ONE DOES. After 3 months of pending bills from Feb 2018 not 1 bill has been paid by this company. 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. I could not imagine having to actually attempt needing a claim covered with these yahoos. He said that they further assistance at this time you need an attorney to help you. BBB accredited since 5/19/1985. I have even threatened to close my account. There is not enough information available to create the chart. BTW, I'm a small business owner, so this will not be the only policy we will be cancelling. No policy no explanation of my policy, nothing. pre-existing condition. Ive tried calling 12 times. Copyright © 2020 Consumers Unified LLC. On Jan 3 I received a letter returning my Dec payment stating that I no longer have insurance??? Review #1127819 is a subjective opinion of poster. 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. I tried logging in numerous times and calling in but I keep getting the run around and I still have not found anyone to help me. 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. Standard and Poors and A.M. Best are two companies that rate the stability and financial strength of other companies. We value your privacy. This was a 'gapper' plan for the 16 months I had between COBRA and Medicare. But they took my premium every month. So they did not initially disclose the reason, but I believe happy to receive the $20 application fee. I canceled my policy today. I just don’t understand how these companies can’t take your hard earn money and get away with it. The bank (Bank of America) can't cancel it. Unsubscribe at any time. The algorithm parameters are: users' rating, number of resolved issues, number of company's responses etc. Well then why am I still getting the $6 taken from my account this month? Review #1161451 is a subjective opinion of poster. Sign up to receive our free weekly newsletter. Customer Reviews. By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Standard and Poors rates Golden Rule Health Insurance Company as A+ strong. Golden Rule Insurance Company underwrites short term health insurance products on behalf of UnitedHealthcare, which are both part of the UnitedHealth Group. I have tried to call several time and always on hold for 20-30 minutes there is no other way that I have found to get a hold of them other then sit on the line. Having a baby? Good luck trying to get someone on the phone or someone who can find your account. I URGE YOU ... DO NOT USE THEM! I was denied coverage because I had cancer 7 years ago, without chemo. I'd like to cancel my dental plan with Golden Rule, but it's hard to connect with Rep. by calling the service no. Industry: INSURANCE: LIFE & HEALTH. Short term are a good not great plan for those that need some form of insurance and they are affordable in most cases.Your are correct that major medical would be great but,in most cases it would cost about half of many working people monthly salaries. HealthiestYou by Teladoc Health is not insurance and is not associated with any other insurance product for which you are applying. Benefits are misleading. I was concerned when no copy of the policy could be provided. Thank you, you have successfully subscribed to our newsletter! I also had a dental and accident plan with them, which I never used so I won’t speak on those. They obviously are trying not to pay the $180,000.00 in hospital bills. Trying to cancel insurance. I have no idea what they actually would pay for. I had to go to the ER and have an CT scan, not for a pre existing condition, which were listed as covered services. Kind of a shady way to do business - makes me apprehensive about keeping my dental insurance. I called and spoke to a customer representative and was informed either I keep paying my monthly premium, or cancel it. I needed gap insurance and through the "marketplace.gov" unfortunately I picked Golden Rule. See BBB rating, reviews, complaints, request a quote & more. Its hard to believe that I am the customer, I never submitted a claim and they treat me like this. ?I have never missed a payment in over 8 years. These are super common things that happen to people. In total, I have sat on the phone trying to cancel my policy for over 6 hours. Insurance Companies in Indianapolis, IN. Click on a carrier below for more information including claims and policy specifications. Short term health insurance is a great way for people to fill gaps in insurance coverage without sacrificing routine healthcare services. I did not even care to argue further for just a few hundred dollars. I have called again today to talk to some one. Tried to contact them to cancel it and have been placed on hold for over two days for over an hour each time. Market Segment: Insurance. I hardly ever go to the doctor or hospital. Golden Rule Health Insurance Company is well rated by independent institutions. Contact Golden Rule Insurance Customer Service. My denial letter; however, had the explanation blank as to the reason it was denied. The plan I have is a basic plan, which covers cleaning, cavities, and little else. Review #1160479 is a subjective opinion of poster. I do not have time to keep calling and calling and calling. 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. "You're suppose to $436 and we pay the rest." Review #1371034 is a subjective opinion of poster. Oh well insurance don’t want to pay. Wow. She said she will look into it and I will be refunded why I am due. Coronavirus has revealed the true ethics and reasons for being in business for Golden Rule, PURE PROFIT with no regard for the individual they insure!! We value your privacy. Our content is intended to be used for general information purposes only. Thanks a lot. Golden Rule Insurance Company Lied during the application process and will not refund full bank draft Ripoff. I gathered all the medics documentation needed and mailed the claim application immediately. Review #1523512 is a subjective opinion of poster. There are five negative reviews on the BBB page citing issues of claims denial and long wait times on hold with the company. They have a long history of providing high-quality health insurance products that both easy to use and cutting edge. I'm an Attorney so no legal fees. The plan I … Consumers are not pleased with Discounts and Special Offers and Customer service. I had a fixed indemnity plan which is supposed to pay a fixed rate for covered services. I'm out $2500. Funny how they have NO issues with taking your payment. When you call to purchase insurance, you can get right through and talk to someone within a minute. And after 8 months later I started getting the letter we have the money to cover but it is pending upon further info! I'm stunned I cried all the way home this insurance is a lie just to get your money and humiliate you this needs to have a class action suit against them! For more information about reviews on ConsumerAffairs.com please visit our Company profile page for Golden Rule Insurance Co including stock price, company news, press releases, executives, board members, and contact information Yes, I understand it is a fixed indemnity plan. … Maybe I will get a prorated refund as they say (who knows when), maybe I won’t. Since becoming a part of a large corporation there is much more structure and less ability for flexibility. Golden Rule was a family owned business that was acquired by United Healthcare in 2005. Starting at. Golden Rule This Golden Rule review will cover Golden Rule ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. Later on, I started to have shortness of breath and found out I needed to have my aortic valve replaced. A company's rating is calculated using a mathematical algorithm that evaluates the information in your profile. I talk to them and sent letter to the grievance department that has been 3 months. Enjoy reading our tips and recommendations. 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. I suggest that anyone who sells policies from this company reconsider on a moral honesty basis. Get buying tips about Health Insurance delivered to your inbox. If I could go back, I'd never settle for this company. I did not receive any notice. ★ Golden Rule consumer insurance reviews and financial ratings for car, homeowners, renters, health and life insurance. 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. All Rights Reserved. Since the Coronavirus Pandemic has started Golden Rule Insurance has been charging my credit card for my insurance premium. Constant excuses, constant run around. I didn't think much of it at the time, after all it was gap insurance and I wasn't having any health issues other than high blood pressure. Why should I have to wait 6 month before you can go to the doctor. I went to the doctor for my preventive exams which I told Brat ** I was due. 4 months a row and I’m struggling with this cancellation. So nothing is covered. In some cases, you can get coverage as soon as tomorrow and can cancel anytime without a termination penalty. Original review posted by user Jun 12, 2017. I finally got a hold of someone the other day and was told no one knew what was going on with this. This is FRAUD by Golden Rule Insurance company!!! 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. Review #1275061 is a subjective opinion of poster. 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. It is still not cancelled. These people are set to make over $300 BILLION in revenue for 2019 and cannot afford an infrastructure to answer calls for PAYING CUSTOMERS? Someone is lying or too lazy to look into the problem. Golden Rule Insurance Company Vision Insurance Review. The customer service people are rude (unless you are buying something). Golden Rule Insurance Company, the underwriting company for UnitedHealthOne, has an “A+” rating with the Better Business Bureau. 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. They don’t provide you with confirmation number, still to this day pull money of my account. FAQ. See reviews below to learn more or submit your own review. If you like giving money to a company that wants to not actually provide their service then Golden Rule is the company for you! Good Plan ValuePoor, Good, Excellent. THEY ARE CROOKS!!!! 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. Just don’t do it. One of the best Insurance business at 7440 Woodland Dr, Indianapolis IN, 46278. A free inside look at company reviews and salaries posted anonymously by employees. I got Golden Rule in Feb for a short time insurance because I couldn't sign up for the marketplace. Since my house was under contract it was imperative that the roof get replaced as soon as possible. Busines is business but they do not have to lie and not pay. I recently went in for a colonoscopy, which required a follow up CT scan and bloodwork. Anything you see on their website is just total scam. They have no rules they are deceiving!! Its location on this page may change next time you visit. Stay away from this company they do the typical *** move and sit on the bills as long as they can prior to paying. They cover very little of anything that would be useful for day to day medical problems and require a high deductible for rates to be anywhere near affordable. There is no way to speak or contact anyone with authority. Golden Rule Insurance ranks 200 of 995 in Insurance category. A link has directed you to this review. 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. I had the procedure done and low and behold Golden Rule has refused to pay any of the bills trying to prove pre-existing conditions. 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