Guide To Health Insurance.org

About Golden Rule

Founded by husband and wife team, Michael Andrew and Mary Rooney in Lawrenceville, Illinois in 1940, Golden Rule Insurance Company provides health plans for individuals and families, as well as life insurance and annuities. What began as a small company operating out of the basement of the Andrew home grew to 32 employees by 1959 -- up to 150 employees and two offices by 1970. During the early 1980s, Golden Rule experienced major growth. In 1985 the company received an “A” (Excellent) rating by the country's leading evaluator of insurance companies, A.M. Best. Throughout the 1990s, Golden Rule continued to grow and create new and innovative products for its customers. For eight consecutive years, it has been ranked as one of 50 Life-Health top performing companies by Wood Group. Today, Golden Rule's provider network covers 28 states and the company is still dedicated to creating new products for its customers. Golden Rule, a United HealthCare Company insurance provider, currently maintains two offices in Lawrenceville (its home office) and Indianapolis, Indiana.

Golden Rule Plans

Golden Rule offers a variety of plans to suit various backgrounds and budgets such as: Golden Rule HSA Plans, Copay Plans, and High Deductible Plans. Golden Rule HSA Plans combine lower cost high deductible plans with network discounts and tax advantaged savings accounts. HSA Plans are great for families interested in one annual deductible and savings on monthly premiums. Benefits include: inpatient and outpatient coverage, coverage for routine exams, dental and vision discounts, outpatient prescription drugs, childhood immunizations and adult preventative care.

Golden Rule Copay Plans are for families and individuals interested in copay benefits for routine healthcare expenses. Copay Plans offer a variety of deductible choices, ranging from $500 to $2,500; 80 percent coverage for inpatient and outpatient services after deductible; small copay for routine exams and outpatient drugs; and a variety of optional benefits for maternity and preventative care. Copay plans also offer dental and vision discounts. Golden Rule High Deductible Plans offer lower premiums to individuals and families willing to pay a higher percentage of routine health care expenses. High deductible plans also offer lower cost protection from unexpected illness and accidents. There are two popular Golden Rule High Deductible Plans: Saver 80 and Plan 100. Saver 80 is the lowest premium plan, covering costly outpatient expenses such as MRIs and Cat Scans, hospital stays, as well as inpatient and outpatient surgical procedures. Plan 100 is a Golden Rule top seller, offering 100 percent of covered expenses once the calendar year deductible is met; there are no copays or coinsurance.

Golden Rule Headquarters

The Golden Rule home office is located at 712 Eleventh Street, Lawrenceville, Illinois, 6243, (800) 444-8990.