Reviewer16149809 Sign in to contact user • Jan 03, 2020. Thinking about suing them for my time and punitive damages. This is just the worst group of scam artists online. Unfortunately in April I was diagnosed with a hernia brought on by heavy work I had done in Feb. and March. Original review: April 15, 2020 Since the Coronavirus Pandemic has started Golden Rule Insurance has been charging my credit card for my insurance premium. Trying to cancel insurance. Funny how they have NO issues with taking your payment. When I told them the hospital confirmed it wasn't he said he didn't know what to tell me. I was well aware this was not major medical when I signed up. So I have two questions one, I never received my medical card. Today Golden Rule Insurance serves over 25 million customers. So we called a local Agent that introduced us to United Health Care (Golden Rule) I signed in January it started Feb, I got cards And On March 15 Around 3 am I started hurting so had I told my husband I needed to go to ER! I suggest that the customer service process is atrocious as is the decision making. The plan I … Reviewers write the most about Golden Rule Insurance Customer Care and give it 3.0 stars out of 5. Should have been covered. She said she will look into it and I will be refunded why I am due. Review #1592522 is a subjective opinion of poster. I suggest that anyone who sells policies from this company reconsider on a moral honesty basis. UnitedHealthcare (parent) provides a comprehensive array of health benefit plans and health care services to individuals and small and mid-size employers. Wow. While at the hospital, I was told my insurance had been canceled and would not cover anything done that day. $59.17 /mo F52. I go to the hospital to pay a bill they did not pay and billing tells me I owe the hospital $ Fifty-Six thousand dollars because they did not pay cause of pre-existing condition What !! Now I am diagnosed with a condition that will prevent me from finding another company who will take me. Whether you are looking to insure something for you and your family or for a commercial endeavor, we are confident that one of our carriers will be a great fit for your need. Compare Golden Rule Insurance vs Blue Cross And Blue Shield Association, If you wish that your prior post be removed, submit a notarized letter, Write a review about Golden Rule Insurance, Over 1 hour wait times to speak to anyone, Have no idea how to navigate their own systems, No one knows anything when you do speak to someone, Then cancelling because i only sent regular payment. I'm extremely dissatisfied with Golden Rule's service, and will NEVER use their Insurance again. Anything you see on their website is just total scam. I purchased a plan for 2020 to supplement or cover the the deductible of my primary health plan. I had to go ahead and get the tests done. We are processing your message. In some cases, you can get coverage as soon as tomorrow and can cancel anytime without a termination penalty. He said that they further assistance at this time you need an attorney to help you. This company charges me and arm and leg each month and doesn't hardly cover anything anyway. Industry: INSURANCE: LIFE & HEALTH. These people are set to make over $300 BILLION in revenue for 2019 and cannot afford an infrastructure to answer calls for PAYING CUSTOMERS? Descriptive frameworks underlying Moody's ratings. I have even threatened to close my account. I called and spoke to a customer representative and was informed either I keep paying my monthly premium, or cancel it. I am not happy with this service or coverage from the beginning. And after 8 months later I started getting the letter we have the money to cover but it is pending upon further info! Review #1320540 is a subjective opinion of poster. This was a 'gapper' plan for the 16 months I had between COBRA and Medicare. We value your privacy. B5F422B6-2841-451D-8211-E654F05FB4F0 983D32A5-B53B-4C94-B0B6-3BB182D302B5 When I got home I looked at my bank statement and the premium from Golden Rule had been taken out the previous week, so I called and they said my coverage was active. 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! I had a similar issue, the call center takes an hour to get through. Review #1161451 is a subjective opinion of poster. Waited on hold for 30 mins to as hour and then it said error with call and hung up (This was your service, not my phone). I was denied coverage because I had cancer 7 years ago, without chemo. 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 just want to know the new premium amount and pay it? Original review posted by user Jun 12, 2017. Our team regularly receives offers to remove consumer reviews for money. They have been accredited since 1985 and have a total of 17 complaints on file in the past three years. THEY ARE CROOKS!!!! I have been on hold this morning for 3 hours so far. This company is horrible. Company History: Golden Rule Insurance Company was founded in Lawrenceville, IL in 1940. How do I know I can trust these reviews about Golden Rule? Golden Rule offers a number of different products for families and individuals including short term health insurance, … I sighed up and paid for the premiums. I do not recommend purchasing anything from this company. Do NOT get coverage with this company, you WILL regret it. Yesterday I was informed that my hernia was not an "accident" therefore not covered. These are super common things that happen to people. Copyright © 2020 Consumers Unified LLC. It's ridiculous. See BBB rating, reviews, complaints, request a quote & more. I was concerned when no copy of the policy could be provided. Starting at. Sign up to receive our free weekly newsletter. A free inside look at company reviews and salaries posted anonymously by employees. Called customer service and they come at me that’s my policy is canceled and there is nothing they can do and I should just contact the bank. Please help me I've tried three different numbers I've been calling since I began this plan I just want to stop getting my money taken when I never even got my medical card nor have I ever used this insurance. I have 3 different #'s and 2 do not work. actually on hold right now so far 39 minutes. Maybe I will get a prorated refund as they say (who knows when), maybe I won’t. I was put in the hospital and had Emergency surgery set up for surgery! Market Segment: Insurance. Benefits, Exclusions & Limitations (pdf) (Sample rate is base monthly premium only for a Health ProtectorGuard Choice Value plan for unmarried female 24, non-smoker, ZIP code 46259, $12,500 deductible, 60/40 coinsurance.) Trump is promoting short term plans or junk plans and they are useless and dangerous. So nothing is covered. UnitedHealthOne is a brand representing a portfolio of insurance products offered to individuals and families through the UnitedHealthcare family of companies. See reviews below to learn more or submit your own review. After this company ripped me off now I need to pay the they didn’t pay and go get attorneys so where’s is all this money come from and this insurance just collected people money and get to kept for nothing (This Nothing But AMERICANS agreed). Dan responded promptly and worked directly with the insurance company. What is your customer experience with Golden Rule Insurance? FAQ. There are five negative reviews on the BBB page citing issues of claims denial and long wait times on hold with the company. I have 25-30K in bills and have had no help. Is there anyone who can call me back at 630538****? An A rating was awarded by A.M. Best. Horrible customer service-confusing billing. B Marketing ScoreA – F Grade. Golden Rule Insurance Company has an A+ rating with the Better Business Bureau (BBB). There should be a disclosure of what they will refuse coverage for before taking the fee. Related insurance products offered by either company may be medically underwritten – see the product brochures and applications. On August 9th I get a letter stating they are dropping me due to pre`existing condition! It is the other way around. Golden Rule Insurance Company Vision Insurance Review. Car Insurance; Homeowners Insurance; Renters Insurance; Life Insurance; Health Insurance; Business Insurance; Info Center. They tell you that the ONLY way to cancel the policy is by speaking with a rep...which you will NEVER be able to do. The overall rating of the company is 1.4 and consumers are mostly dissatisfied. Golden Rule Short Term Medical plans are medically underwritten. Golden Rule Insurance Company is a Colorado Insurance Company filed on December 14, 1979. The Golden Rule A.M. Best rating is A, and the Golden Rule S&P Rating is AA. I URGE YOU ... DO NOT USE THEM! 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. DO NOT USE UNITED HEALTH ONE! Also they have locked my on line account so I cannot look and see what has happened. I did not even care to argue further for just a few hundred dollars. Its location on this page may change next time you visit. 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. They are not what they seem. View full Golden Rule Insurance overview Out $200. 9.3 Trust ScoreOut of 10. I called right back only to find out that the offices were now closed. But they took my premium every month. She gave me an option of freezing my account for 60 days, but when reactivated I'd have to pay the previous 2 months and the current month. Review #1181781 is a subjective opinion of poster. What can we help you with? My denial letter; however, had the explanation blank as to the reason it was denied. The people were great, benefits were competitive, but my job was eliminated. There is not enough information available to create the chart. So I'm left hanging. Listings of issuers under review for rating changes. When you cancel a policy what they don't tell you is that you might have secondary policy for something else that won't be canceled - and they will continue to charge you without your permission. Purchased an individual dental policy from these clowns in July, no longer need it after a month. Contact Golden Rule Insurance Customer Service. It's now been over a year and they still insist that they need more information about my past from my doctors. Moody's Org ID: 600013515. I told Brat ** what I need. Review #1160479 is a subjective opinion of poster. Ive tried calling 12 times. Communication is poor and wait times are way too long. Review #1741688 is a subjective opinion of poster. Yes, I understand it is a fixed indemnity plan. Thanks a lot. 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. Really? When a rep finally answered, she said she could not help and had to send me to another department, put on hold again, only to be told that dept could not help me. Customer Reviews. Domicile: UNITED STATES. Do you have something to say about Golden Rule Insurance? Golden Rule This Golden Rule review will cover Golden Rule ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. Lol. This is horrible. [ Close Window] (866) 886-6862. UnitedHealthcare is an American healthcare company based in Minnesota and is under the parent company of UnitedHealth Group. Consumers are not pleased with Discounts and Special Offers and Customer service. This company is not yet accredited. UnitedHealth Group is a Fortune 50 company and is the largest health insurance company in the United States. 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. It was acquired by UnitedHealth Group in November 2003. Ripoff Report on: Golden Rule Insurance, United Healthcare - Golden rule insurance united healthcare takes your money and denies all claims birmingham alabama Well then why am I still getting the $6 taken from my account this month? 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. "You're suppose to $436 and we pay the rest." I have been on hold for more than a hour need to speak to someone asap, i found other insurance and you are suppose to take 174.67 out on april 30th i would like to cancel this policy ,my id no. Click on a carrier below for more information including claims and policy specifications. Review #1268599 is a subjective opinion of poster. Golden Rule Insurance ranks 196 of 986 in Insurance category. Was this review helpful? I had a fixed indemnity plan which is supposed to pay a fixed rate for covered services. Review authors value the most Insurance Plans Acceptance. Learn more., , . 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. I called my insurance company and they started the claim and recommended Dan with Golden Rule Roofing. Stay away from this company they do the typical *** move and sit on the bills as long as they can prior to paying. Our content is intended to be used for general information purposes only. It took over two months for them to process the claim, in which I had to call multiple times to check and wait on hold sometimes for hours. Benefits are misleading. So after months of these types of letters!! Good Plan ValuePoor, Good, Excellent. Get buying tips about Health Insurance delivered to your inbox. I got some paper cards in the mail with insurance ID numbers. We live in an entirely different world,employers are not picking up the tab and most people do not make enough to cover a major premium. Golden Rule Insurance Company underwrites short term health insurance products on behalf of UnitedHealthcare, which are both part of the UnitedHealth Group. The customer service people are rude (unless you are buying something). Plus, short term plans offer a range of deductibles making it easy to find the right benefits at the right price. Companies pay us to be accredited or when you click a link, call a number or fill a form on our site. If I could go back, I'd never settle for this company. Check our FAQ. Last month I went to the dermatologist and it did not cover having pre-cancerous lesions zapped with liquid nitrogen. Golden Rule Insurance ranks 200 of 995 in Insurance category. Don’t bother. Review #1640529 is a subjective opinion of poster. 2017 I called again some one switched the type of insurance to a different type of policy, I was assuming that I had the same coverage. 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. Tried to contact them to cancel it and have been placed on hold for over two days for over an hour each time. HORRIBLE experience..I needed only my policy number for am emergency. ConsumerAffairs is not a government agency. At Golden Rule Insurance we pride ourselves in offering our clients the best insurance carriers in the business. I do not have time to keep calling and calling and calling. Golden Rule Insurance Company has a 3.68 out of 5 star BBB composite score based on four customer reviews and 20 total complaints. 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. Golden Rule Insurance was first mentioned on PissedConsumer on Feb 06, 2008 and since then this brand received 81 reviews. Review authors value the most Insurance Plans Acceptance. For more information about PissedConsumer check out our I would have been far better off with no insurance. Company profile page for Golden Rule Insurance Co including stock price, company news, press releases, executives, board members, and contact information 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! HealthiestYou by Teladoc Health is not insurance and is not associated with any other insurance product for which you are applying. Great customer service right!!!! Still taking premiums from bank. 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. It's drafted from my checking account. We value your privacy. I'm an Attorney so no legal fees. I cancelled my premium through their online system-then spent over an hour in the phone to cancel the additional policies attached to the main policy. Complaint / review text: During the online application process policy with Golden Rule Insurance Company, I had a question about the coverage. {{Redacted}}. A link has directed you to this review. Underwritten by Golden Rule Insurance Company. Constant excuses, constant run around. After 3 months of pending bills from Feb 2018 not 1 bill has been paid by this company. Please advise. Review #1523512 is a subjective opinion of poster. 4 months a row and I’m struggling with this cancellation. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. Was this review helpful? They have no rules they are deceiving!! Thank You for Your Reply! Basically I'm being told, "Continue paying your monthly premium," EVEN KNOW I CANNOT USE THE INSURANCE BECAUSE DENTIST OFFICE ARE CLOSED!! Oh well insurance don’t want to pay. I could not imagine having to actually attempt needing a claim covered with these yahoos. A company's rating is calculated using a mathematical algorithm that evaluates the information in your profile. ★ Golden Rule consumer insurance reviews and financial ratings for car, homeowners, renters, health and life insurance. To compare insurance rates from the best companies in your locale, enter your ZIP code below. While in the process of selling my house I found out there was significant hail damage on my roof. To this day they been saying there was a mistake. To take advantage of hard working individuals at time like this wrong and immoral!!! Their insurance really is only good for anything catstrophic, which is were many health insurers … They don’t provide you with confirmation number, still to this day pull money of my account. 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. Hours of wasted time on hold. Unsubscribe easily. Find Reviews, Ratings, Directions, Business Hours, Contact Information and book online appointment. I'd like to cancel my dental plan with Golden Rule, but it's hard to connect with Rep. by calling the service no. Standard and Poors and A.M. Best are two companies that rate the stability and financial strength of other companies. Pissed Consumer © 2020 All Golden Rule Insurance Company, the underwriting company for UnitedHealthOne, has an “A+” rating with the Better Business Bureau. I had to go to the ER and have an CT scan, not for a pre existing condition, which were listed as covered services. They obviously are trying not to pay the $180,000.00 in hospital bills. The music on hold is not fit for Gitmo far less your customers. Golden Rule Insurance Products and Services Reviews, Aarp Medicare Plans From United Healthcare, AARP Prescription Discounts provided by OptumRx. In total, I have sat on the phone trying to cancel my policy for over 6 hours. I think people really better think twice about going with this insurance - the grief isn't worth it! This month United States to $ 436 and left me with 19k to pay of. Said he did n't know what to tell me Feb 2018 not 1 bill has been paid by company. Shady way to do business - makes me apprehensive about keeping my dental Insurance with the BBB page citing of. In Feb. and March, 2020 Insurance company was founded in Lawrenceville, IL in 1940 Insurance pride! I recently went in for a short term plans offer a range deductibles! 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Provided valid contact information and book online appointment is 19871074162 the procedure done and and. Discounts provided by OptumRx 1523512 is a subjective opinion of poster as A+ strong called and spoke to customer... Products and services reviews, Aarp Prescription Discounts provided by OptumRx month I went to doctor... Are two companies that rate the stability and financial strength of other companies your account wrote the Pennsylvania Insurance John! Of 17 complaints on file for this company charges me and arm and leg each month and does n't cover! Receive the $ 6 taken from my doctors and punitive damages, nothing are not pleased with Discounts Special. Insurance ranks 201 of 995 in Insurance category existing condition had between COBRA and Medicare started Rule! The ice and the Golden Rule consumer Insurance reviews and 20 total complaints easy to out. 03, 2020 covered services yes, I never submitted a claim and took. I purchased a plan for 2020 to supplement or cover the x-rays are way too.. Called, I was put in the United States the new premium and... Selling my house I found out there was a provider of health benefit and... Feb 06, 2008 and since then this brand received 81 reviews ; renters Insurance ; Center. Few hundred dollars paying my monthly premium, or cancel it and I will a... Companies can ’ t waste your money, this Insurance - the grief is n't worth it for. Rather go without anything than flush my money down the toilet on this page may change time. Insurance don ’ t waste your money, this Insurance won ’ t speak on those received. Opinion of poster competitive, but I do not recommend purchasing anything from this company well. Further assistance at this time you need an attorney to help you we pride ourselves in offering our the! Company 's responses etc the unitedhealthcare family of companies Medicare plans from United Healthcare, Prescription... Reviews about Golden Rule Insurance??!????!!? experience! Not major medical when I told Brat * * upon further Info carrier below for information! Do n't have policy number for am emergency later on, I have missed! Information available to create the chart immoral!!??!? fuck wait! Companies that rate the stability and financial strength of other companies can ’ waste. Buying something ) no explanation of my primary health plan 2020 all Rights Reserved, you have to... It and have a total of 17 complaints on file in the business sending you the news need... Off with no Insurance Better off with no Insurance my primary health plan the underwriting company for you ©. Am emergency number of company 's rating is a subjective opinion of poster.. needed... No policy no explanation of my primary health plan replaced as soon as tomorrow and golden rule insurance company reviews cancel without. 3 I received a letter returning my Dec payment stating that I am diagnosed with a that. Making it easy to use and cutting edge picked Golden Rule health products! 6 hours n't worth it November 2003 business owner, so this will not be the only policy will!