UnitedHealthcare / Golden Rule CO

When you view quotes on our instant quote system, these plans are listed as UnitedHealthOne, Underwritten by Golden Rule.

Network:

In most parts of the country, Golden Rule utilizes the UnitedHealthcare Choice Plus network.  To find out which network is available to you in your area, please visit the Golden Rule Network.

How to Apply

About UnitedHealthOne and Golden Rule Insurance Company:

UnitedHealthOne

Golden Rule Insurance Company, a UnitedHealthcare Company, is the underwriter and/or administrator of plans marketed under the UnitedHealthOne brand.

UnitedHealthcare

Today, UnitedHealthcare serves millions of customers across the country.  Our network plans can ease access to high-quality care from thousands of physicians and hospitals in all 50 states.

Golden Rule Insurance Company

Golden Rule merged with UnitedHealthcare in 2003, and has served individuals and families with health insurance solutions since 1946.

Experience and Expertise

Golden Rule's experience and expertise has driven the development of easy-to-use and innovative health insurance products.  A recognized leader - and one of the nation's largest providers - of health savings account plans, Golden Rule continues building plans that meet the needs of individuals and families.

Golden Rule is rated "A" (Excellent) by A.M. Best and "A+" (Strong) by Standard and Poor's.  These worldwide, independent organizations examine insurance companies and other businesses and publish their opinions about them.  These ratings are an indication o four financial strength and stability.

Customer Satisfaction

• More than 94% of all health insurance claims are processed in 10 working days or less.*
  
• Up to 50% discounts are provided on quality care thanks to our extensive network of doctors and hospitals.**
  
• We're easy to reach with a toll-free customer service line. We respond quickly to customer questions and concerns.

* Actual 2009 results.
** Discounts vary by provider, geographic area, and type of service.

• Golden Rule Insurance Company, a UnitedHealthcare Company, is the underwriter and/or administrator of plans marketed under the UnitedHealthOne brand.
  
  
• This screen is intended only as general information. It presents only a brief overview of some of the standard benefits of the plan(s) shown. Optional benefits may be available for additional premium.
  
  
• Before you apply, please use the link(s) provided to download and review the product information for a more complete explanation of benefits, exclusions (including any that may apply to preexisting conditions), limitations, terms under which the plan(s) may not be renewed or benefits may be reduced, and any state variations applicable to any of these items.
  
  
• You must meet our eligibility requirements in order to become insured, which may include medical underwriting. There is no coverage until we inform you in writing that your application has been processed and approved.
  
  
• To be considered for reimbursement, expenses must qualify as "covered expenses" under the policy, and are also subject to all other policy provisions, such as reasonable and customary or eligible expense limits, or whether or not they were medically necessary.
  
  
• Estimated Premium shown is based on the information you provided, and is subject to change based on the plan you select, optional benefits you select (if any), and other factors. We shall exclusively determine the premium actually required, and the effective date of any coverage issued.
  
  
• In several states, these plans are available only to members of the Federation of American Consumers and Travelers (FACT), an independent consumer organization. If you are not already a member of FACT, you must join in order to be eligible for these plans. Through a special agreement between FACT and Golden Rule, you can enroll in the association through Golden Rule. You will fill out the FACT enrollment form prior to making application to Golden Rule for health insurance. For more information on the benefits of FACT membership, visit www.usafact.org (no need to enroll directly - Golden Rule will submit your dues to FACT). Estimated Premium does not include the mandatory monthly dues for FACT membership. FACT membership is not required in every state. Please see the product information for details.
  
  
• Golden Rule Insurance Company only issues coverage start dates more than 15 days from the application received date.