This
plan covers 100% of covered expenses after the deductible, including
doctor office visit fees, prescription drugs, diagnostic testing,
and hospitalization and surgery, up to $3,000,000 per covered
person lifetime maximum. There are no copays for doctor
visits, but once the calendar year deductible is met the insurance
will pay 100% of covered expenses.
Golden
Rule HSA Saver
This
plan works like the Golden Rule HSA 100, with reduced benefits
for outpatient care. These limitations include:
- Outpatient
doctor visits are not covered.
- Outpatient
prescriptions drugs are not covered (though you do receive a
discount card).
- Preventative
care visits are not covered unless required by state law.
- Outpatient
lab and x-ray charges are only covered if within 14 days of
surgery or confinement.
- Outpatient
therapy is not covered, including Physical, Mental, Occupational,
and Speech.
- Emergency
room benefit is limited to $250 per person per year, if ER is
used and you are not admitted to the hospital.
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 Insurance Company, you can enroll
in the association on their web site. 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.
Estimated Monthly Premium does not include the mandatory $3 per
month dues for FACT membership. FACT membership is not required
in all states; refer to the product brochure for more information.
Optional
Benefits (additional premium
required; may not be available in all states):
For complete
Optional Benefit details, please run an instant
quote and click on the plan details.
Enhanced
Preventive Care Benefits Package
Golden
Rule now offers you the choice of additional coverage for adult
and child preventive care services with any of their Preferred
Network HSA plans. If elected, this option replaces preventive
care benefits otherwise included within the plan. This package
waives the deductible and provides 100% for the following covered
expenses:
- $35 copay
on each preventive office visit (primary care, OBGYN, etc).
- The following
charges for preventive care that are performed in conjunction
with the office visit are exempt from the deductible and coinsurance
whether performed in the doctor’s office or elsewhere:
- Child
(under age 19) and adult immunizations
- Mammogram,
cervical and Pap smears, PSA
- Urinalysis
and blood tests
- Bone
density screens
- EKG
and cardiac stress tests
Hospital
Indemnity Rider
The
optional HSA Hospital Indemnity Rider is designed to help protect
against major hospitalization expenses during the early months
of coverage while cash accumulates in your savings account.
The
HSA Hospital Indemnity Rider provides a lump-sum cash benefit
on the third day of hospital confinement. This money can be used
to help pay your deductible or for any other purpose.
The
cash benefit amount depends on your deductible amount and decreases
over time (see table).
The
optional rider pays once, regardless of the number of hospitalizations,
and there are no benefits under this rider if the hospitalization
would not have been covered by the medical coverage.
|
Hospital
Indemnity Rider Cash Benefit
|
|
Month
|
Single
Benefit
|
Family
Benefit
|
|
1
|
$1,500
|
$3,200
|
|
2
|
$1,400
|
$2,950
|
|
3
|
$1,250
|
$2,700
|
|
4
|
$1,150
|
$2,450
|
|
5
|
$1,050
|
$2,225
|
|
6
|
$950
|
$2,000
|
|
7
|
$850
|
$1,775
|
|
8
|
$750
|
$1,550
|
|
8
|
$675
|
$1,325
|
|
10
|
$600
|
$1,125
|
|
11
|
$525
|
$925
|
|
12
|
$450
|
$725
|
|
13
|
$400
|
$550
|
|
14
|
$350
|
$400
|
|
15
|
$300
|
$250
|
|
16
|
-
0 -
|
-
0 -
|
|
One-Time
Premium Amount
For This option
|
$40
|
$150
|
|
|
(Note:
HSA Hospital Indemnity Rider is not available with certain plans
with $1,100 or $2,200 deductibles.)
| |
Term
Life Benefit
You
may choose an optional decreasing term life insurance benefit
for you and your spouse if your spouse is also a covered person
under the health policy. The amount of life insurance
protection provided for you and your spouse will depend on
the primary insured’s attained age at the time of death,
as shown in the table.
|
Attained
Age of
Primary Insured
at Death
|
Primary
Insured
Benefit Amount
|
Covered
Spouse Benefit
Amount
|
|
49
or less
|
$30,000
|
$15,000
|
|
50
- 59
|
$18,000
|
$9,000
|
|
60
- 64
|
$12,000
|
$6,000
|
|
|
Rate
Information:
Preferred
rates without options are available on our instant quote page.
These rates do not include optional benefits such as term life.
Rates depend on gender, family size, smoking status, zip code,
and health status.
The
premium can be paid via quarterly billing, or a monthly bank draft.
The bank draft will occur on the premium due date each month.
The initial premium can be paid with a check, credit card, or
bank draft. This payment will be processed immediately upon
receipt.
Network:
UnitedHealthcare
(Statewide)
Sloans
Lake (zips 812-814, 816)
Underwriting:
UnitedHealthcare/Golden
Rule has one of the fastest underwriting departments in the industry.
Most applications are approved in less than a week. However,
it could take longer if medical records are requested, so it is
best to allow 4 weeks or more if possible. Certain conditions
may be excluded with a temporary rider (usually for one to two
years), or an indefinite rider.
Golden
Rule Insurance Company will typically call you on the phone to
verify information on your application.
It
is standard practice to request a Blood Pressure Inquiry if you
are currently being treated for or have recently discontinued
treatment for high blood pressure.
Effective
dates:
For
injuries, the effective date for a mailed application will
be the later of: (a) the requested effective date, if any, shown
on the application; or (b) the date upon which the original application
is actually received by Golden Rule.
For
an application sent by any electronic method, the effective date
for injuries will be the later of: (a) the requested effective
date, if any, shown on the application; or (b) the day after the
date upon which the application is actually received by Golden
Rule.
The
effective date for illnesses will be the same as for injuries
if you are replacing prior coverage within 62 days of application
for this coverage and disclose replacement information on the
initial application for insurance. If replacement information
is not disclosed on the initial application for insurance, the
effective date for illnesses will be the 15th day after the effective
date for injuries. Illnesses that begin prior to that 15th
day will be treated as a preexisting condition and will not be
covered until the individual has been a covered person for 12
months.
About
Golden Rule Insurance Company:
UnitedHealthcare
Today, UnitedHealthcare serves more than 26 million customers.
Our network plans can ease access to high-quality care from more
than 535,000 physicians and 4,700 hospitals across all 50 states
and in four international markets.* We combine our strength and
stability with nearly three decades of experience serving customers
of all sizes.
Golden
Rule Insurance Company
Golden Rule Insurance Company is the underwriter and administrator
of the UnitedHealthcare plans for individuals and families shown
on this Web site. Golden Rule merged with UnitedHealthcare in
2003, and has served individuals and families with health insurance
solutions for over 60 years. This experience and knowledge is
reflected in high-quality products, timely claims handling, and
outstanding customer service. In Louisiana, plans are offered
by United Healthcare Insurance Company and administered by Golden
Rule.
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 of our financial
strength and stability.
Customer
Satisfaction
- More than
92% of all health insurance claims are processed in 10 working
days or less.**
- Up to 35%-45%
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.
* As of 1/3/2008.
** Actual 2007 results.
*** Discounts vary by provider, geographic area, and type of service.
37661-G-0208
ColoHealth
is an independent UnitedHealthcare/Golden Rule producer
in Colorado.
"You
were able to answer all of my questions one on one, personalized
to my specific situation."
This
was the first time I ever used an independent broker and
I’m glad I did because I was able to shop for all the
available carriers in one place. Plus, your website
is pretty good about providing the quotes and the sort functions
are wonderful. Your service stands out from the rest
in that you were able to answer all of my questions one
on one, personalized to my specific situation. Other
agents I’ve used weren’t nearly as knowledgeable
and were transparent as sales people with only one goal
which was to get me to sign up regardless of my concerns
and questions.
| |
Julie
Jee
Greenwood Village, CO |
Read
More...
|
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