CLICK BELOW TO PAY YOUR INSURANCE … No real incentives for performance. They wouldn’t cover a biopsy because I was short the 6 month waiting period and it was concerning a reproductive organ. A typical day at work was answering questions from clients, customer complaints on the price of the products and the exclusions on the policies. IF I ever reach this company I am cancelling my policy. They rejected a claim for a physical BUT my policy clearly states I have full coverage for preventative services which includes a physical. However, Golden Rule refused to process my application because I have a current GR policy. Payroll clerk was a good positon. Rates are too high with $5000 deductables. In July of the same year I was refunded 7.4% of my premium for the prior year since the company did not spend 80% of premiums for healthcare expenses. Other complainers either didn’t understand their policies and/or in some cases appeared to misrepresent the facts. The pay is not fair for all of the work that you are required to don. I’m not giving up, I will be fighting this to the end. Decent pay and insurance. They Cover NOTHING except basic wellness I could just go to a women’s clinic and not pay 200 per month Customer service is non existent. High premiums-high 10000 deductible-rate increases 20% a year…and everything is out of pocket.goes towards deductible My bank account is dwindling down paying premiums have to go to FREE Health Fairs for flu shots blood tests… or hassle getting coverage. Customer services is fantastic! 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. The whole industry is rotten to the core. They will not cover anything. They said due to medical history a rate up has been added! It will break your spirit after many years of this. Company only wants to reward front line workers with junk food each month. Guardian Dental is one of the most unprofessional insurance companies that I have ever had to deal with. These guys deny anything and everything they can and they need very little justification to do so. I live in a rural area, where health care providers and costs are uniform over 100’s of square miles. 1 hour on wait time??!??!!?" I was lucky to find out that by asking them a lot of questions at the time of my application was submitted. Bait and switch company. I am healthy as a horse, never had a thing in my life. Not enough time devoted to quality training. They cover EVERYTHING from doctor visits to prescriptions. It’s a joke. They denied my 4 year old triplets coverage for asthma and allergies. Goldenrule denies claims when they know and state that they have inadequate medical records rather than requesting more records. No clear direction on how to handle and resolve extremely high number of daily escalating issues when responding to incoming calls and left no adequate response to assist the customers. We participate in a HSA which we pay into each month. These guys are crooks. As you may have read in the other complaints, Guardian is excellent in giving you the baitswitch tactics, the total run around. In 1993, Golden Rule developed the first medical savings account and in 2003, it merged with United Healthcare Company (click to read the United Healthcare review… I’ll be shopping for a new policy this month. They increased my health insurance premium by 20% this year when I had no claims against the company. Bottom line – they do not want to pay out on claims. For people who … extremely high premiums, lousy customer service, idiots for underwriters who rely on incorrect information in making decisions. Golden Rule/ UNH stock price keeps going higher…they collects premiums- don’t pay for anything for anything except basic wellness. Principle Sales Methods: Independent agents and brokers nationwide. This company is a joke. I trained insurance producers (agents) over the phone on how to position Golden Rule Insurance health products and compete against other health insurance carriers in their respective markets. worst insurance company ever. I am DISGUSTED. The plan I have is a basic … I moved to a new zip code 4 months ago. I don’t know where to start. Managing Editor & Insurance Lawyer. View full Golden Rule Insurance overview I learned alot about time management due to all work required a dead line. Company management doesn't think through how to achieve its goals - making money. The most enjoyable part of the job was the satisfaction of helping customers and overcoming difficult issues with a team. Not only did this company weasel out of paying for claims, but when I canceled my coverage through their automated system, they continued to charge me for THREE months past the cancellation date. BBB accredited since 5/19/1985. UnitedHealthcare Life Insurance Company, Golden Rule Insurance Company, or Oxford Health Insurance… I would also like to note that we know other families with children with cancer who have 80/20 plans. I have had over 6 calls, 3 appeals and still no satisfaction. Get the HSA! I was in an extremely violent car crash that has left me (at least) temporarily disabled – the emt’s at the scene refused to take me to a hospital that I knew to be in-network due to the nature of the accident and I ended up in the only true trauma-center in my city…long story short, that hospital was not in-network and as a result, my surgery and everything associated with my recovery has been initially refused – which means a fight, resubmission, etc. For example: if you are severely injured and pay well over your deductible you will still not be covered, because another member of your family has to meet his/her deductible, too!!?? The deductible / premium when I purchaes the policy was 500 per year/ 43.50 per month. Now the deductible is 10000 per year and the premium is 256.00 per month. I had a policy with Anthem that cost about $20 more a month when I switch to Golden Rule. Dont care about their patients at all. 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