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Golden Rule Health Insurance Plans

Golden Rule Insurance CompanyGolden Rule is owned by United Healthcare, one of the largest health insurers in the U.S. Over 26 million Americans are insured by United Healthcare and over 770,000 providers belong to their PPO network. Golden Rule Insurance Company has provided individual and family health insurance for over 60 years. Today Golden Rule markets its individual insurance products under the brand names United Healthcare or UnitedHealthOne. These plans are very popular for people who do NOT want Obamacare.

Golden Rule Insurance

Golden Rule Insurance offered private health insurance. The portfolio includes:

    • The new Health ProtectorGuard – A permanent plan option for Doctor and Hospital Coverage
    • Short Term Medical – Fill the Gaps between open enrollment
    • Dental and Vision Insurance – The policy you’ll love, affordable and excellent coverage
    • Critical illness – Cancer, Heart Attack, Stroke – Money when you need it most
    • Disability Income – Protect you Income!
    • Accident Coverage – A must for families, 1st dollar coverage
    • Fixed-indemnity – Extra Hospital Coverage to protect against ACA / Obamacare pitfalls

    Golden Rule Health Insurance Quotes

    Obtain your quote on Golden Rule Insurance Products

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    A History of Golden Rule Insurance

    Golden Rule Insurance’s claim to fame was the Choice Plus PPO Network and the Copay Select Plan with decreasing deductible. Sadly, these products are no longer allowed to be offered under the Affordable Care Act, but hundreds of thousands of Americans still have grandfathered policies. If you are one of these lucky Americans then you have saved tens of thousands of dollars, by not having to buy Obamacare coverage.

    Golden Rule InsuranceThe HSA (health savings account) was originally developed through Golden Rule Insurance Company. The HSA has long been popular for the self-employed such as accountants, realtors, and financial professionals. Many health insurance agents still have grandfathered Golden Rule HSA for their own personal coverage.

    Why Choose Golden Rule Insurance?

  • Golden Rule has multiple individual and family health insurance products to help provide a variety of options for coverage.
  • Some of the strongest health care networks in the U.S.
  • Simple online tools to quickly and easily manage your policy, view claims, and print temporary ID cards.
  • Golden Rule Insurance Company is rated “A” (Excellent) by A.M. Best (8/3/2017) for financial strength and stability.
  • Golden Rule Insurance offers a diverse portfolio of affordable plans that are consumer driven.
  • One stop shopping for health insurance products.

Texas Obamacare Review

This is a letter from one of our health insurance clients, we though we would share this information

Obamacare is something that seems like a great idea, although the results have not been the best. I have a fairly unique perspective on the Affordable Care Act, based on the fact that I have experienced this from a variety of angles. I was originally on my parents health insurance plan, as you can remain on this type of plan well into adulthood. This plan was fairly expensive, but the overall quality of health insurance was absolutely top notch. I found myself in my twenties and having very little income, while having to rely on food stamps. I applied for MarketPlace Health Insurance, which is the platform to get health insurance in the state of Texas.

Based on the income that I was making at the time, I was only qualified for Medicaid, which is a program for health insurance that is at the bottom end. There were not really any options to select, but it all was essentially free. I ended up making a doctor appointment and when I got to the medical office it appeared more like a homeless shelter than a medical facility. The wait time to see a doctor was incredibly long, the service was terrible and the overall quality of health insurance was dismal. The only benefit I perceived in this Medicaid system was potentially being able to receive coverage in a hospital if I was in some sort of emergency. This system did not appear to work at all, based solely on the fact that the volume of people crowding into these medical offices were huge.

Since that time my income has increased to the point that I am qualified to purchase a plan through the state network. I got referred to www.QuoteFinder.Org from my friend and I purchased an Obamacare plan that I had the last few years and could not be happier with my plan. My insurance was very affordable each month, based on the fact that there is a subsidy that is attributed to my plan each month. This lowers the actual cost, allowing me to pay my bills, yet at the same time have access to a top notch medical network. My plan was originally around thirty dollars per month. The overall quality of my insurance has not changed since I’ve been on the plan. The main concern that I have had with the Affordable Care Act is the fact that you need to be able to make a certain amount of money in order to receive a legit plan. The reality is, if you are making under twelve thousand dollars, you are inevitably going to have a plan that is low quality. If you make over that amount, you have access to a plan that is going to provide a great level of protection for yourself and your family.

Now, here is my problem for 2018. I got a raise and my plan has gone up to $487 a month to have the same good level of coverage. So now in 2018 I am being punished for making too much money (it’s really not that much money at all). I called my agent and we reviewed some non-compliant policies. So now I pay $118.00 a month for short term health insurance and I don’t have Obamacare. That was the only way I could stay insured, have a low deductible and still get to see my doctor, which I hardly ever go anyways.

At this point, I guess I am happy with my medical insurance, although my country and government does not understand as American’s we all need to have access to the same level of coverage. It is unacceptable for people to solely base a plan availability on meeting a random set of income requirements.

If you are interested in Short Term Medical, learn more here.

NC PPO Health Insurance – United Healthcare Private Insurance

United Healthcare Offers PPO Health Insurance in NCIf you live in North Carolina you will be happy to know that New Health Insurance Plans are available for 2018. United Healthcare is now offering Private Health Insurance Policies. Prices on these policies are 40% less than the Obamacare plans, and the plans are PPO coverage so you can choose your doctor and hospital.

United Healthcare Plans for North Carolina, Not Obamacare

United Healthcare has moved forward to its own solution to the US healthcare crisis. Here are some key points:

PPO Health Insurance for Pennsylvania by United Health Care

Health Insurance Plan for PennsylvaniaIf you live in Pennsylvania you will be happy to know that New Health Insurance Plans are available for 2018. United Healthcare is now offering Private Health Insurance Policies. Prices on these policies are 40% less than the Obamacare plans, and the plans are PPO coverage so you can choose your doctor and hospital.

United Healthcare Plans for Pennsylvania, Not Obamacare

United Healthcare has moved forward to its own solution to the US healthcare crisis. Here are some key points:

Short Term Medical Insurance Quote

Short Term Medical is an easy way to obtain coverage from tomorrow until the end of 2018. The policies are sold month-to-month and are far more affordable than Obamacare or employer coverage. Get your Short Term Medical quotes here.

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Be sure to visit our Short Term Health Insurance page for more information.

Maryland Health Insurance in 2018 – United Healthcare PPO

If you live in Maryland you will be happy to know that New Plans are available for 2018. United Healthcare is now offering private fixed indemnity coverage: Health Protector Guard. Prices on these policies are 40% less than the Obamacare plans, and the plans are PPO coverage so you can choose your doctor and hospital.

United Healthcare Plans for Maryland, Not Obamacare

United Healthcare has moved forward to its own solution to the US healthcare crisis. Here are some key points:

Medicare and Dental Insurance Plans for Seniors

Medicare and DentalOnce a year Medicare beneficiaries can enroll into or change their Medicare Advantage Plan. This year’s Annual Enrollment Period runs from October 15 to December 7. This is also the best time to also check on dental insurance.

Medicare will not cover most dental needs. For example Medicare does not cover dental procedures, or supplies, like cleanings, fillings, tooth extractions, dentures, dental plates, or other dental devices.  The exception would be reconstruction of the jaw following accidental injury that severely damaged the individual.

Some Medicare Advantage plans do have a limited dental benefit, however this is not the comprehensive coverage a person is used to from when they may have had employer group benefits. What is more concerning is Medicare recipients are more in need of dental coverage than any other segment of the population. The average person over 65 years old or older spends $1,154.00 a year on dental care.

If you have Medicare Supplement insurance, then you also do not have dental coverage.

Many seniors are now purchasing an individual dental plan to get comprehensive coverage on services such as root canals, dentures, crowns, bridgework, and dental implants. Here are some standard listings of what most dental policies cover.

  • No waiting periods on most preventive and basic services
  • Fixed pricing, regardless of age
  • No deductible for preventative services
  • Coverage for major services, including crowns, bridges, root canals, dentures and implants
  • PPO dental plans with nationwide dental networks

Be sure to check on Senior Dental Insurance today.

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.

Come October 2017 Mutual will be offering two competitively priced dental options. 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.

Learn more about Mutual Of Omaha.

Dental and Vision Insurance by Central United Life Insurance Company

Central United Life Insurance CompanyDental insurance is something that can help reduce overall dental expenses. Dental procedures can be quite costly. Therefore, dental insurance through Central United Life Insurance Company can help pay for general dental visits as well as necessary dental procedures. Central United Life Insurance company (CUL) is part of the Manhattan Life Group which has been doing business since 1850.

This is a private policy for individual or families.

KEY POINT: Central United Life Insurance allows YOU to choose your own dentist. There are no dental networks that assign a particular dentist to the policy holder. In addition, the dental insurance plans offer special family rates which are great savings when it comes to children.

Get a Quote on this Product.

As an added bonus, ALL the policies include Vision and Hearing coverage as well.

Central United Life Dental Insurance Benefits at a Glance

Each year CUL offers policy holders a benefit amount of $1,000 or $1,500. The person gets to choose their own plan benefit amount. The available limits can be used for dental, vision, or hearing benefits. This coverage is very nice because some clients who prefer expensive eye-wear and vision services are covered up to the policy limit through this plan. Some clients buy this policy only to use on dental, while other buy it only for vision, and some buy it mostly for hearing coverage. However, the choice is yours. You can use your policy benefits however you best feel fit.

Preventative Dental Services

There is absolutely no waiting period for preventative dental services. Therefore, services that are completely covered include the following:

Dental Insurance Coverage

  • Patient X-rays
  • Dental Cleanings – 2 per a year
  • Exams – 2 per a year

Preventative Dental Coverage Levels

  • Year One, Up to 60%
  • Year Two, Up to 70%
  • Year Three, Up to 80%

Basic Dental Services

Members are happy to know that their is no waiting periods on basic dental services. This is excellent news for people who may need some basic work completed sooner than later. Basic dental services include:

  • Fillings
  • Simple Extractions
  • Additional x-rays

Basic Dental Coverage Levels

  • Year One, Up to 60%
  • Year Two, Up to 70%
  • Year Three, Up to 80%

Example, you have tooth pain and you need 2 fillings replace right away. The dentist charges you $400 for the filling. The CUL plan will cover 60%. So right away your plan pays $240 toward your fillings.

To check rates and learn more, get an online quote and compare plan options.

Major Dental Services

Major dental services can get very expensive. For this reason it is common for many policies to have a waiting period of up to 12 months for major dental procedures. Major dental procedures that require a waiting period according to the policy include:

  • Crowns
  • Root Canals
  • Bridges
  • Dentures / Full Mouth and Partial

Major Dental Coverage Levels

  • Year One, Not Covered
  • Year Two, Up to 70%
  • Year Three, Up to 80%

Example, Year three your dentist charges a costly $1200 for a crown. Your dental insurance would cover 80%. That means $960 would be paid by the insurance company.

Hot Tip, If you are in need of dental implants visit. GPM Dental Insurance.

Central United Life Vision Insurance Coverage

Vision services are available after you have owned your policy for six months. For example, there is a six month waiting period for an eye exam, glasses, or contact lenses. You can choose your very own Optometrist. There is no network of eye specialists that you are required to choose from.

Vision Insurance CoverageThis plan allow full policy limit on vision services. Members who utilize expensive doctors or members who prefer expensive frames or lenses truly love this plan. It is one of the few plans that allows up to $1,500 in vision coverage.

Once benefits take effect the company will pay the following according to plan guidelines:

  • Up to 60% of all charges related to vision benefits for usage from after 6 months to 1 year
  • Up to 70% second year
  • Up to 80% after second year of coverage

For example a $500 frame would be covered at 80% after the second year. So the policy would cover $400 of the $500 charge.

Learn more, through the Central United Life Dental, Vision, and Hearing Brochure

Hearing Coverage through Central United Life Insurance Company

Hearing coverage is another added benefit to this plan. While many people do not have any concerns with hearing, this benefit can be very valuable to other members. A 12 month waiting period is required for anyone in need of new hearing aids or in need of repairs.

Keep in mind a 12 month waiting period does apply to anyone who may need hearing aid repairs or adjustments.

Hearing CoverageHearing Benefit Levels

  • Year One, Not Covered
  • Year Two, Up to 70%
  • Year Three, Up to 80%

Other Information Regarding Central United Life Insurance Company

The issuer of this dental, vision, hearing policy makes sure all benefits and claims are paid quickly. In addition, other plan benefits include:

  • Coverage for Ages 18-85
  • Immediate & Guaranteed Coverage
  • Cancel Anytime

All coverage, as well as claims information can be easily managed online. Also, new and replacement cards can be printed directly from the company web site. If any changes or adjustments are made to existing coverage benefits, the changes will be updated within 24 hours. Information such as this can also be accessed on line.

Affordable & Valuable Coverage:

It is extremely important to have dental, hearing and eye coverage especially if an emergency situation arises. It is important to keep in mind that Medicare Plans do not cover dental, vision or hearing expenses. Therefore, it is critical that you have affordable coverage to help pay for expenses related to dental, vision as well as hearing expenses.

All charges for monthly premiums are broken down according to age. All rates are based on the $1,000-$1,500 policy maximum. Coverage can be obtained for as little as $25 per month. If for some reason you are not satisfied with your new coverage, the company will cancel the coverage and refund your money within first 30 days.

Coverage of this nature is critically important for the health and well being of you and your family. Therefore, if you are in need of dental, hearing and vision coverage this is an opportunity to take advantage of this very valuable and very necessary coverage. Your health and the health of your loved ones is a valuable asset.

Get an online quote and compare plan options.

GPM Dental Insurance Plans With No Waiting Periods

GPM DENTAL INSURANCE PlansGPM Life and Health Insurance Company is somewhat of an unsung hero in the insurance industry. An acronym for “Government Personnel Mutual” (Life Insurance), this company has well over 80 years of experience insuring individuals and families of all types. Offering two unique plans that save you money, and having the benefit of being part of the huge Ameritas network of providers, every individual and family benefits with GPM’s 2,500 dental plans.

For those wishing to use an in-network provider, the GPM dental insurance 2500 plan will give you low deductibles, no waiting period(s), and access to the huge Ameritas network of dental services providers. The generous $2,500 annual plan maximum gives you peace of mind that no matter what your family’s dental needs, you’ll have quick and easy access to services at an affordable price. The low calendar year deductible of just $25 for up to a maximum of three charges per family also helps keep costs down. There’s never any enrollment fee(s) and you can enjoy the savings from the first day. Coverage amounts also increase on basic services each year you and your family are enrolled, allowing you to enjoy additional savings. Both the network and out of network offerings give you substantial savings on your dental costs such as:

  • 100% coverage for preventative services such as cleanings, exams and x-rays
  • Up to 80% coverage for basic services such as fillings and extractions
  • Up to 50% coverage for major procedures such as bridges, crowns and implants

You’ll be happy to know that GPM dental insurance plans cover exams and preventative services are always covered at 100%, so you’ll never have to put off getting to the dentist. After the first year, basic services coverage increases 15% per year up to the maximum of 80% in the second (and subsequent) year(s). Major services are covered at up to 50% after the first (and subsequent) year(s).

As previously mentioned there are two plans available under the GPM 2,500 umbrella. The GPM 2,500 Network plan is for those who are using or would like to use an in-network dentist that participates in the Ameritas dental network of providers. The network has over 400,000 location choices and 100,000 providers. The Ameritas dental network offers discounted prices, which typically average 30% less than the average for the area.

For members who prefer to have the flexibility of using any dentist, in or out of network, would benefit the most from the GPM 2,500 plan. Additional savings can be achieved for members who choose to stay in network.

Whichever plan is perfect for you and your family, you’ll be happy knowing that the signature personalized customer service offered by GPM Life and Health Insurance Company is certain to please. Also offering life insurance, annuities, final expense and Medicare Supplement plans, they have the right coverage for any family. With over 80 years experience in the business and makes the marks with an A- (Excellent) rating from A.M. Best Company, you’ll be happy knowing that you have an industry expert on your side.

As always, refer to the plan details of your policy or your insurance agent regarding specific details of the plan. Contact your insurance agent to get you and your family started with this great and flexible coverage today!