Golden Rule Insurance Company

712 Eleventh Street
Lawrenceville, Illinois 62439

The Golden Rule is a subsidiary of the UnitedHealth Group, one of the largest providers of health insurance to groups and individuals. Golden Rule, recognized by the Ward group as one of the 50 Life-Health Top Performers, has been in the health insurance business for over sixty years. Its focus is on affordable, flexible health coverage plans for all. The company has been an innovator from the beginning, developing plans such as medical savings accounts (health savings accounts) or shared risk accounts (plans to cover large, unexpected medical expenses - plans which are now a common part of the health insurance landscape.

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Golden Rule Health Insurance Products

The Golden Rule Insurance Company’s individual and group medical plans focus on ethical treatment of customers and business associates in all things. This company offers a variety of economical plans, including:

• Health Savings Account (HSA) plans which allow combinations of low cost, high deductible insurance,  tax advantaged savings account, and network discounts

• High deductible plans with lower premiums but greater out-of-pocket expenses, great for those who only need major medical insurance

• Co-pay plans for families who need co-pay benefits for routine expenses

• Saver plans for each type of plan mentioned above to cover inpatient care and major outpatient costs such as MRIs, outpatient surgery, and CAT scans

• Preventive care benefits package to cover wellness expenses for adults and children

• A quality, preferred network of both doctors and hospitals to allow substantial discounts

 
Other plans offered by Golden Rule include short-term medical insurance for when an individual is between jobs or is otherwise in transition, prescription drug benefits, and preventive care—allowing for flexible choices for all stages of life.

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Golden Rule Company Ratings

A.M. Best   A
Standard & Poor’s   A+

 

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