I highly recommend Golden Rule to anyone who does not have coverage or is self-employed. Golden Rule Insurance ranks 200 of 995 in Insurance category. Golden Rule Insurance Company, the underwriting company for UnitedHealthOne, has an “A+” rating with the Better Business Bureau. They tried to have an atmosphere of employee appreciation, yet management made the work environment stressful and were not consistent with rules. The policy I have has a $5000 deductable and after that everything is covered 100%. They paid my claims great. A free inside look at company reviews and salaries posted anonymously by employees. We update our site regularly, and all content is reviewed by experts. Our goal is to be an objective, third-party resource for everything legal and insurance related. They said due to medical history a rate up has been added! Dropping. They were very wrong when the application process took over 2 months and my application was denied because the underwriters declared that there was not enough information to accept the application. They took my money and then told me that I would not have certain medicines for my daughter covered under the plan…they never even researched or contacted her doctor to ask questions, they just acted without basis on denying her coverage?! We participate in a HSA which we pay into each month. Broken leg $1800, you will pay $1800. This is no joke – they don’t care. Golden Rule Insurance Company, which underwrites many UnitedHealthcare branded insurance plans, has been rated "A" (Excellent) by A.M. Best. If you were in charge, what would you do to make Golden Rule Insurance a better place to work? Fun environment, but extremely stressful due to the high call volume. So I will contact my state insurance commissioner about why laws allow such capricious approaches to defining insurance risks. They denied my 4 year old triplets coverage for asthma and allergies. Guardian Dental is one of the most unprofessional insurance companies that I have ever had to deal with. They cover EVERYTHING from doctor visits to prescriptions. I have a high-deductible health insurance policy with this company. 1 hour on wait time??!??!!?" This company is not in business any longer. Just facts.1.While a representative and I have not set up a date for premiums to be withdrawn from my accountmy account was charged and it resulted in multiple overdraft fees.2. STAY AWAY!!!!!!!!!! While I’m still trying to get the proof from my mortgage company/escrow account, they send a refund check for my earthquake account (which was part of the escrow payment). They increased my health insurance premium by 20% this year when I had no claims against the company. As you may have read in the other complaints, Guardian is excellent in giving you the baitswitch tactics, the total run around. My premium actually went down by $40 a month after my first year with them!! They said they would review my doctor’s letter again, which they never did and it goes on and on…TERRIBLE. I loved this job. Help them out by rating your employer. On the front of the card it has United Healthcare and that is where a lot of places will send your claim. So we had to call hospitals and doctors to resubmit because we kept getting bills that said we had no insurance. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. Very incompetent. Is Indeed your favorite place to learn about companies? For people who … It was correct. It took 5 or 6 days for prior approval and then they didn’t pay for it anyway. Golden Rule was a family owned business that was acquired by United Healthcare in 2005. Our opinions are our own. Today Golden Rule Insurance serves over 25 million customers. Be prepared to fight for months about any benefit your policy might claim to include. I can’t say enough about this health insurance. i think i can find a better plan elsewhere. Their training program is excellant and I enjoyed working there very much. Company History: Golden Rule Insurance Company was founded in Lawrenceville, IL in 1940. The pay is not fair for all of the work that you are required to don. This is a TERRIBLE INSURANCE COMPANY. Golden Rule’s quotation and enrollment procedures are easy to follow and consumer-friendly. 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. The interaction with this person was the reason I pursed a different job. The most enjoyable part of the job was the satisfaction of helping customers and overcoming difficult issues with a team. I called the phone number listed along with the transaction and it turned to be a third party customer service. Now that they are accountable under the health care reform I suppose they rather cancell policies than actually PAY for health care coverage. It is very upsetting to keep getting these letters! After going to my first visit I find out that NOTHING is covered except walking into the office. Always the same letter…increased costs…nothing to do with your claims…increased use and higher charges..new technology blah blah blah! My perfectly healthy daughter cannot now get any insurance at all…this is nothing short of criminal, how any company or government can inflict this on our babies is just unthinkable. And say I must re-apply for coverage with them and pay again.Every year, they either bill the wrong mortgage company or say they haven’t received the payment. I had them for a few years about than went on the employer plan. Decent pay and insurance. Premiums increased 400% over last 7 years. The plan I have is a basic … We strive to help you make confident insurance and legal decisions. A typical day at work was answering questions from clients, customer complaints on the price of the products and the exclusions on the policies. They application comes back with only the non-cancer spouse approved. I would be better served to just put the money in a savings account and pay out of pocket. I am proud to pay it every month because in our situation, they have been wonderful. The result was increased health insurance sales and new commissions for agents. Even if the customer gets then gets the records for them they force the customer to appeal the decision. High call volumes. This is after I confirmed with my physician that the entire medical record was provided and a letter was written explaining what information was “missing.” This is not a customer friendly company. It would cost me 120 for the generic Ambien CR 2.5 mg more than the generic Ambien. I have been treated like dirt by this company. B5F422B6-2841-451D-8211-E654F05FB4F0 983D32A5-B53B-4C94-B0B6 … Golden Rule paid very well. Did you find this review helpful? Top Rated. The shot cost 800 without insurance so there was absolutly no way I could afford it SCREW THIS COMPANY AND THE ONES WHO OPPERATE IT. We cancelled our policy after one year with them and I do not recommend this insurance company at all. Apparently reproductive organs are considered completely irrelevant pesky and unnecessary to cover. The employees I worked with were wonderful and I am still friends with many of them. 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.I get different answers to the same questions every time I call them.They are painfully slow when processing and reviewing insurance forms. They handled my claims according to their policy benefits. Golden Rule Insurance was first mentioned on PissedConsumer on Feb 06, 2008 and since then this brand received 81 reviews. UnitedHealthcare underwrites its policies through Golden Rule Insurance Company, a part of UnitedHealthcare since 2003. Insurance information may be different than what you see when you visit an insurance provider, insurance agency, or insurance company website. Highest Rated. Oh, and the CEO’s compensation is in the felony criminal range. Avoid Golden Rule like the black death, which they do NOT cover, by the way. Also, this happened even when we told them to make sure they send it to Golden Rule address. 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. It has been an accredited company with the BBB since … Rates are too high with $5000 deductables. 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