Expanded Short Term Health - Golden Rule short term health insurance reviews
What's in a name?
Many people look for Golden Rule short term health insurance these days.
They've been popular in that market for many years now!
People are generally confused when they ultimately end up with information on United health short term.
UnitedHealthOne to be exact.
So what's the deal?
Is UnitedHealthOne the same thing?
Can we still get Golden Rule insurance for short term?
The answer is yes and yes.
If you're in a rush, you can jump right to the quote here:
Click on the UnitedHealthOne link.
We'll explain the relationship and review Golden Rule short term below.
You can jump to any section here:
Let's get started...time is short!
Golden Rule was a stand-alone carrier that has offered health insurance plans for more than 60 years.
It's a history as a well-regarded health insurance which is no small feat!
They were big proponents of the HSA plans originally.
This brings up the next question people have?
United Health bought Golden Rule.
Shortly after this, United Health basically made Golden Rule its wing to sell and market certain types of individual insurance plans nationwide:
There dominant product is the Golden Rule short term health plans.
When you run your quote below, you will select the United Health link since that is the how the product is branded.
The Golden Rule short term plans are very popular in many States.
In fact, you can get pretty rich coverage for short term in terms of deductibles (we'll touch on this later).
There are three big changes that many States will adopt:
The difference is that you can get short term up to 364 days.
We already have notification from many States of adoption.
When you run your quote, you will be able to see if the 364 days expanded short term is available based on your zip code.
Let's look at the plans themselves.
Make sure to run your quote to see updated benefits!
With Golden Rule short term plans, you have a few options to choose from.
We assume in-network for covered benefits. This is usually per person.
The plans all use the same doctor network so it's really a question of the following:
A quick look at these four (assuming in-network for covered benefits)
This is the factor that can affect the pricing the most!
You can choose from one:
This is the percentage you pay after you meet the deductible until you hit the out of pocket max.
You can choose from one:
This is where your percentage ends and most covered benefits are then paid by the carrier up until the max benefit.
This is your protection in case you have big bills.
This is the amount the plan will pay up to for the period of time.
You can choose from one:
You can run the quote with all the options here:
The short term plans used the UnitedHealth Choice network.
It's gigantic with over 1 million doctors nationwide.
It works like an EPO.
This network is broader than most we can get on ACA plans!
Golden Rules suffers from the same affliction that all health insurance carriers have online.
Reviews are never great for insurance.
Let's face it...no one really loves their health insurance carrier.
Even when they do what they're supposed to.
We have dealt with all the big short term carriers for decades now.
The short term plans work well for catastrophic issues.
Where we've seen an issue is with pre-existing conditions.
Outside of that, we like Golden Rule since they can rely on the strength of UnitedHealth, a dominant carrier in the US.
There are many States that have Golden Rule.
Look for United Health below:
This list is already extensive but it may grow more with the new expansion of short term.
You can always check based on your zip code here:
It depends on your State.
Some states will only have 90 days (the old rule)
Some states have adopted the 364 day rule expansion.
Check the quote below to see if you get the expansion.
It's very easy an online.
You can quote Golden Rule here:
Rates are based on zip code, age, and choice of plan.
This is just as easy.
You can access the online application right through the quote link here.
Golden Rule has a simplified application process.
This means there are a few health questions and if we can honestly answer "no" to them, we generally can get approved.
If any questions come up, please advise.
With over 20 years experience in short term health, we're here to help!
Again, there is absolutely no cost to you for our services. Call 800-320-6269 Today!
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