Tag: health insurance

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…..

2019 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.

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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.

Cigna Health Insurance Plan Options

Cigna

Cigna provides millions of American’s with healthcare products. These products include not only individual and family Health Insurance, but also expand to Medicare Supplement, Dental Insurance, and International Medical Coverage.

Private Health Insurance by Cigna

Cigna currently offers private under 65 health insurance options in many states. Some common plan benefits are:

  • A Variety of Plan Deductibles
  • Co-Pay Benefits
  • 100% Preventive Coverage
  • Prescription Coverage

Dental Insurance by Cigna

Cigna offers dental insurance in most states. Common Plan Benefits are:

  • 100% Preventive Coverage – no deductible
  • Basic Coverage – Fillings / X-rays / Exams
  • Major Coverage – Crowns / Root Canals

Get CIGNA Health Insurance Quotes

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Medicare Supplement by Cigna

Cigna Medicare Supplement is one of the best selling Medicare Supplement products in a multitude of states. Some Plan Options Include

National General Health Insurance Plans


National General Accident and Health is a branch of the National General Holdings Corporation. It focuses on providing short term and supplemental health coverage. All National General health insurance products are underwritten by four other companies focused on insurance. All four of those companies are permitted to provide health insurance in all of the states and the District of Colombia. The underwritten companies are each responsible for the product the company is associated with.

National General currently utilizes Aetna Open Choice PPO Network for Individual and Family Health Insurance.

National General Accident and Health has five products available to customers. The first is Short Term Medical, which is an insurance policy that can be purchased for a full year in most states. The next product is Supplemental Insurance, which is for unpredictable medical expenses. National General Accident and Health also provides Dental Insurance. Fixed-Medical Benefit is a product that offers set benefits on medical expenses. Finally, National General Accident and Health offers Medicare Supplement Insurance.

Short Term Medical

Short Term Medical insurance is designed to be an affordable insurance policy. The plan will provide financial protection for medical bills and other expenses related to health care. The plan will cover doctor visits, hospital stays, lab, x-rays, medical equipment, surgeries, etc. The Short Term Medical plan also covers emergency room visits and ambulance rides. Urgent care benefits are included in the plan and most plans cover Urgent Care with a $50 Copay.

Get a Quote On Short Term Health Insurance.

The Short Term Medical Plan includes a wide variety of deductible and coinsurance choices to help settle upon a plan that best fits a budget. Coverage can be provided as soon as the next day, so there is not a long period between application and effective date. The plan will also allow a physician to be chosen through the national Aetna Open Choice PPO Network.

It is important to remember that this plan is designed to be short term, but healthy consumers often buy this coverage and their primary health insurance. There is also no guarantee that everyone will be eligible for this plan, as there is underwriting and pre-existing is not covered on temporary health insurance plans.

Supplemental Insurance

The Supplemental Insurance Plan is designed for unforeseen medical issues. For example, a sudden onset and diagnosis of a critical condition would be included with supplemental insurance. There are no network limitations on doctors, so people are free to choose any physician they like and cash benefits are paid to the insured. There are many different options to choose from, so a plan can be created for any budget.

Accident plans are available to cover accidental medical expenses, such as a broken bone. The Accident plans provides coverage for unexpected expenses related to accidental injuries, such as broken bones, cuts, sprains, etc. Some plans also offer coverage for accidental death and dismemberment. The Accident Fixed-Benefit plan is effective immediately and provides a cash payment to the insured person to help make up for unexpected medical expenses.

Hospitalization Sickness coverage is another possible supplemental plan. This plan helps cover hospitalization and related costs. It helps people keep financial stability whether because of deductibles or because of primary insurance having high deductibles. This coverage will pay cash directly to the insured to help with costs, allowing a person to use the money in a way that benefits them the most.

There are also Critical Illness plans. These plans are designed to help pay for treatments related to acute illnesses, or simply a cash benefit to the insured to help make ends meet while they are ill. The Cancer and Heart/Stroke plan gives a cash benefit to a person when first diagnosed with cancer, heart attack, or stroke, and it can be used in any way deemed necessary by the ill person. The Critical Illness – Term Life plan functions identically to the Cancer and Heart/Stroke plan, but it extends coverage a whole family rather than an individual.

The final supplemental plan offered is the Multi-Coverage Out-of-Pocket plan. Included here is the TrioMed plan, which provides supplemental insurance for the previous three types of coverage. It provides coverage for accidents, hospitalization, and critical illness. A plan enhancer can also be purchased. The enhancer provides a larger benefit.

Get a Quote On Short Term Health Insurance.

As these plans are supplemental, it is important to remember that they do have limited benefits. The Supplemental Insurance plans are not meant to replace primary health insurance. The availability of coverage does change state to state, so it is important to remember that as well. These products are priced very well and are very popular with consumers.

Get Quote – View Plans – See Rates Now

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Dental Insurance

National General Accident and Health offers two different dental insurance plans. Both plans provide access to the Careington Maximum Care Dental Network. Understanding these plans is important because dental health affects the health of the rest of the body. Dental insurance can help to keep dental health ventures affordable.

The Dental PPO plan offers an average of 40% reduced rates on dental. It includes three benefit levels, so it is easier to find a plan that fits one’s budget. This plan also has no waiting period for preventive care, so the needed coverage can be received almost immediately. The plan also provides discounts for all major and basic dental services.

The Dental Indemnity plan works differently than the Dental PPO plan. The Dental Indemnity plan will pay a cash benefit for dental checkups and treatments. Since this helps to catch small dental issues before they become large expenses, this plan mostly focuses on preventive care. There is the option to add a discount of around 42% to the plan, and there are no waiting periods. The Dental Indemnity plan does have a higher out-of-pocket expense for customers.

Fixed-Benefit Medical

The goal of this plan is to rethink health insurance. Most health insurance plans are expensive, and copays and deductibles tend to get in the way of any benefits being usable. Rather than being waited down with deductibles and copays, customers are paid a set dollar amount on covered health care services. This helps the insured come up with money to pay their deductibles and copays. This plan plan also has a network of providers to choose from to access lower rates.

The plan comes with some other perks. When in-network providers are visited, there are discounts available for covered health care services. Health care is more easily attainable because there are no waiting periods and the benefits are easy to use. The plan will also give access to telemedicine and discounts on prescriptions.

The Fixed-Benefit Medical insurance plan is easy to use. All customers must do is present the insurance card at check-in. From there, the in-network health care provider will inform the insurance company what services were given to the patient, without the need of claim forms. The customer pays the remaining medical expenses once network discounts and benefits have been deducted.

Medicare Supplement

The Medicare Supplement plan is designed to provide supplements for costs that may not be covered by Medicare Parts A and B. The plan provides a way to pay for unexpected health care costs without having to dig too deeply into savings. With this plan, set percentages are paid on covered on Medicare services. The deductibles and copays vary from plan to plan.

The plan provides some advantages. There are no network restrictions other than the doctors accepting Medicare, and no referrals needed for visits to specialists. For those living with a spouse, then the customer is eligible for a 7% discount on the premium for the household. There is a 30-day trial period, so if a customer dislikes the plan and returns it within that time period, the customer will be reimbursed any paid premiums.

The plan renews automatically and the premium increases or decreases along with Medicare deductibles and coinsurance. There is no waiting period, so a person is eligible to receive benefits the moment the plan goes into effect. Finally, there is no paperwork associated with filing a  claim, the insurance card just must be shown to the health care provider and Medicare benefits are paid directly to the provider.

National General Accident and Health

National General Accident and Health has a variety of insurance products. This allows people to choose what is best for their health care needs. The company also provides many different payment options for its products, so a plan can be selected to fit many budgets. National General Accident and Health offers affordable insurance in the short-term, the long-term, and for teeth. Plans to supplement outside insurance are also available at affordable prices.

Private Aetna PPO by National General Health Insurance Company

If you are shopping for Private Health Insurance be sure to check our Aetna PPO plans being offered by National General Insurance Company. These are affordable Association Plans that are offered in 12 month increments in most states, but not all states. This is a private policy that can be purchased by individuals or families who are under the age of 65.

Key Points:

  • Aetna Open Choice PPO Network – 664,000 participating providers
  • 12 Month Policies available in Most States
  • $1 Million Dollar Limits Available
  • $50 Co-Pays On Urgent Care
  • Choose Your Deductible:  $1,000 | $2,500 | $5,000

Your first step is to view rates is to obtain an online quote.

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The Aetna Open Choice PPO  Network plans by National General Insurance Company are most popular for these shoppers.

  • Healthy shoppers who want basic coverage
  • Consumers who are not eligible for Obamacare/ACA Subsidy
  • Students looks for an affordable option
  • Early Retires who cannot afford ACA coverage
  • 26 year old’s who are dropped from their Parent’s policy

URGENT CARE is a popular benefit on these plans. An urgent care facility is a medical facility providing immediate, non-routine urgent care for an injury or sickness treated on a walk-in basis. This policy provides you with unlimited visit for a $50 copay. Your medical deductible is waived and remaining expenses are applied to co-insurance. This is a popular benefit and thousands of Urgent Care facilities participate with Aetna Open Choice PPO.

Since these policies are private policies. They do require a basic health questionnaire. The questions mostly focus around pre-existing conditions including but not limited to cancer, heart attack, stroke, diabetes, COPD, drug or alcohol abuse, etc. Furthermore people who are currently in the middle of care would most likely to best to buy an ACA/Obamacare plans. The reason is because private policies, such as these, do not cover pre-existing conditions. Pre-existing conditions are referred to as conditions for which medical advice, diagnosis, care, or treatment (including services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received within the 12 months immediately preceding the effective date, unless a lesser period is required by state regulation.

This coverage is not required to comply with federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage.
Also, this coverage is not “minimum essential coverage”. If you don’t have minimum essential coverage for any month in 2018, you may have to make a payment when you file your tax return unless you qualify for an exemption from the requirement that you have health coverage for that month. For 2019 the tax penalty goes away. Mandated ACA compliant coverage is not required starting January 1st 2019.

Fill out the information below to learn more about plans rates and to see if this is a good options for your 2019 health insurance policy.