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:
Golden
Rule utilizes the UnitedHealthOne Choice Plus network, one of the largest
and most well respected networks of doctors and medical facilities across the
nation. To find out which network is available to you in your area, please
visit the Golden
Rule Network.
Underwriting:
UnitedHealthOne/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:
UnitedHealthOne
is the brand name used for products underwritten or administered by the UnitedHealthcare
family of companies offering personal health insurance, including Golden Rule
Insurance Company and United Healthcare Insurance Company.. UnitedHealthcare
Today, UnitedHealthcare servers more than 25 million customers. Our network
plans can ease access to high-quality care from more than 560,000 physicians
and 4,800 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 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. 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 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 7/28/2008.
** Actual 2007 results.
*** Discounts vary by provider, geographic area, and type of service. 38240-G-0908 ColoHealth
is an independent UnitedHealthOne/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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