Archive for Month: October 2019

Golden Rule Insurance Company Health Plan Overview

UnitedHealthcare has long been known for their quality medical coverage. Millions of Americans have experienced UnitedHealthcare insurance through their employer group coverage. Today you can shop private health insurance options through Golden Rule – a UnitedHealthcare company….these products are NOT Obamacare…..

2020 Health Plan Options:

  • Low Deductible PPO Plans available in most markets
  • Short Term and other medical policy options – scroll down for a quote
  • National Doctor Networks available
  • Options to add Dental and Vision
  • Range of plan pricing for all ages – scroll down for a quote

Quality health insurance depends on your individual needs. Scroll below to obtain a quote and review the plan offerings in your area.

Get Insurance Quotes Online

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Examples of plans offered by Golden Rule Insurance Company

  • Short Term Medical plans: choices in plan benefits; ideal for bridging gaps in health insurance coverage
  • Dental Insurance plans: Plans range in benefits and budget, including plans design just for seniors.
  • First dollar Fixed Indemnity plans – Office Visits, Hospital, ER, Urgent Care

Need Medicare?

If you are on Medicare or turning 65 soon, then a Medicare supplement and gap plans for people 65 and over. Learn about Medicare. Or get a UnitedHealthcare insurance quote:

Company Profile

UnitedHealthOne is the brand name used for private individual and family health insurance products underwritten and administered by Golden Rule Insurance Company, a UnitedHealthcare company. Golden Rule’s dedication to this market has led to a great understanding of the average American’s health insurance needs. After years of business the carrier has created a diverse line of products to meet the customer’s expectations.

Golden Rule Insurance Company now offers Health ProtectorGuard Fix Indemnity Insurance for Under Age 65

Golden Rule Insurance Company, a UnitedHealthcare company, is now offering Health ProtectorGuard fixed indemnity insurance. Plans are available up to age 65. Some key points of Health ProtectorGuard are that the plans allow you to receive eligible services from any doctor or hospital you choose and get a fixed benefit. Many consumers choose Health ProtectorGuard so they can continue to see their doctor. With HPG, you decide what doctor you want to see!

Contact us to learn more about Health ProtectorGuard.

Mutual of Omaha Dental and Vision Insurance

Mutual of Omaha Dental InsuranceAfter providing Medicare Supplement coverage to over 1 million Americans, Mutual of Omaha will soon be offering dental and vision insurance. Most people are very familiar with Mutual of Omaha from their diverse portfolio of life insurance, long term care, and of course medicare supplement products.

For 2020 enrollment Mutual of Omaha will offer two competitively priced dental insurance plans. This will be a nice option for individuals and families along with Medicare recipients. The goal is one stop shopping for medicare supplement, dental, and vision.

Keep reading to learn more about these two exciting products.

Mutual Dental Preferred Insurance Policy

The highest level of coverage offered is the Mutual Dental Preferred Policy. This insurance policy pays as follows:

  • Deductible: $0 per year for preventive services / $50 per year for basic and major services
  • Preventive services: Two Cleanings per year / Bite-wing X-rays – 100% Covered, Insured Pays Nothing
  • Basic Services: Fillings, Extractions, Emergency Treatment, 80% Insured Pays 20%
  • Major Services: After a 12-month waiting period, Crowns, Dentures, Bridges, Root Canals, Periodontics, Full-mouth X-ray, Oral Surgery / 50% Insured pays 50% (Dental Implants, see below)

Calendar Year Benefit: $1,500. This is the maximum amount the policy pays each calendar year for all covered services.

Dental Implants. Lifetime Maximum Benefit for implants is $3,000 This is the maximum amount the policy pays for dental implants.

Read the Dental Insurance Overview.

Mutual Dental Protection Insurance Policy

The lesser level of coverage offered is the Mutual Dental Protection Policy. This insurance policy pays as follows:

  • Deductible: $100 per year for all services
  • Preventive services: Two Cleanings per year / Bite-wing X-rays – 100% Covered, Insured Pays Nothing
  • Basic Services: Fillings, Extractions, Emergency Treatment, 50% Insured Pays 50%
  • Major Services: After a 12-month waiting period, Crowns, Dentures, Bridges, Root Canals, Periodontics, Full-mouth X-ray, Oral Surgery / 50% Insured pays 50% (Dental Implants, see below)

Calendar Year Benefit: $1,000. This is the maximum amount the policy pays each calendar year for all covered services.

Dental Implants. Lifetime Maximum Benefit for implants is $2,000 This is the maximum amount the policy pays for dental implants.

Get a Dental and Vision Insurance Quote.

Mutual Vision Benefit

The Mutual Vision Benefit can be included in either dental policy. It is an additional rider that will have an additional premium.

  • Provides a reimbursement benefit
  • Pays up to $50 every calendar year for one eye exam (no waiting period)
  • Pays up to $150 every two calendar years for eyeglasses or contact lenses (after a six-month waiting period)

Medicare and Dental Insurance Coverage

Mutual Dental insurance policies are designed to help pay for the dental services American’s need and to give members the confidence of knowing what their out-of-pocket costs will be. Medicare doesn’t cover dental services. That means costs for things like routine cleanings, fillings, root canals, bridges and dentures come out of pocket. With Medicare recipients living longer, it is very important to have proper dental hygiene and to keep on top of preventative dental care.

See the Mutual of Omaha Dental Insurance brochure.

Learn more about Mutual Of Omaha.

Compare similar Dental, Vision, and Hearing plan options with Central United Life or Aetna Dental Vision Hearing.

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