Coverage Synopsis:
Golden
Rule HSA 100 This
plan covers 100% of covered expenses after the deductible, including doctor
office visit fees, prescription drugs, diagnostic testing, and hospitalization
and surgery, up to $3,000,000 per covered person lifetime maximum ($5 million
option available). There are no copays for doctor visits (other than
for preventative care) but once the calendar year deductible is met the insurance
will pay 100% of covered expenses. For preventative care coverage, you
simply pay a $35 co-payment for your office visit, and Golden Rule covers
the rest, including lab work, child immunizations, mammograms, pap smears,
and PSA screenings. Other HSA plans maybe
be available depending on your state. Please run an instant quote above
to find a complete listing of the available plans in your area. Plans
are available only to members of the Federation of American Consumers and Travelers
(FACT), an independent consumer organization. If you are not already a
member of FACT, you must join in order to be eligible for these plans.
Through a special agreement between FACT and Golden Rule Insurance Company,
you can enroll in the association on their web site. You will fill out
the FACT enrollment form prior to making application to Golden Rule for health
insurance. For more information on the benefits of FACT membership, visit
www.usafact.org.
Estimated Monthly Premium does not include the mandatory $3 per month dues for
FACT membership. FACT membership is not required in all states; refer
to the product brochure for more information.
Optional
Benefits (additional premium
required; may not be available in all states):
For complete
Optional Benefit details, please run an instant
quote and click on the plan details. Hospital
Indemnity Rider The
optional HSA Hospital Indemnity Rider is designed to help protect against major
hospitalization expenses during the early months of coverage while cash accumulates
in your savings account. The
HSA Hospital Indemnity Rider provides a lump-sum cash benefit on the third day
of hospital confinement. This money can be used to help pay your deductible
or for any other purpose. The
cash benefit amount depends on your deductible amount and decreases over time
(see table). The
optional rider pays once, regardless of the number of hospitalizations, and
there are no benefits under this rider if the hospitalization would not have
been covered by the medical coverage.
|
Hospital
Indemnity Rider Cash Benefit
|
|
Month
|
Single
Benefit
|
Family
Benefit
|
|
1
|
$1,500
|
$3,200
|
|
2
|
$1,400
|
$2,950
|
|
3
|
$1,250
|
$2,700
|
|
4
|
$1,150
|
$2,450
|
|
5
|
$1,050
|
$2,225
|
|
6
|
$950
|
$2,000
|
|
7
|
$850
|
$1,775
|
|
8
|
$750
|
$1,550
|
|
8
|
$675
|
$1,325
|
|
10
|
$600
|
$1,125
|
|
11
|
$525
|
$925
|
|
12
|
$450
|
$725
|
|
13
|
$400
|
$550
|
|
14
|
$350
|
$400
|
|
15
|
$300
|
$250
|
|
16
|
-
0 -
|
-
0 -
|
|
One-Time
Premium Amount*
For This option
|
$40
|
$150
|
|
|
(Note:
HSA Hospital Indemnity Rider is not available with certain
plans with $1,100 or $2,200 deductibles.)
*
Rates are illustrative only. Benefit exclusions and limitations
may apply to the health benefit plan.
| |
Term
Life Benefit
You
may choose an optional decreasing term life insurance
benefit for you and your spouse if your spouse is also
a covered person under the health policy. The
amount of life insurance protection provided for you
and your spouse will depend on the primary insured’s
attained age at the time of death, as shown in the table.
|
Attained
Age of
Primary Insured
at Death
|
Primary
Insured
Benefit Amount
|
Covered
Spouse Benefit
Amount
|
|
49
or less
|
$30,000
|
$15,000
|
|
50
- 59
|
$18,000
|
$9,000
|
|
60
- 64
|
$12,000
|
$6,000
|
|
|
Rate
Information:
Preferred
rates without options are available on our instant quote
page. These rates do not include optional benefits
such as term life. Rates depend on gender, family
size, smoking status, zip code, and health status.
The
premium can be paid via quarterly billing, or a monthly
bank draft. The bank draft will occur on the premium
due date each month. The initial premium can be paid
with a check, credit card, or bank draft. This payment
will be processed immediately upon receipt.
Network:
In
most parts of the country, Golden Rule utilizes the UnitedHealthcare
Choice Plus network, one of the largest and most well
respected networks of doctors and medical facilities across
the nation. To find out which network is available
to you in your area, please visit the Golden
Rule Network.
Underwriting:
UnitedHealthcare/Golden
Rule has one of the fastest underwriting departments in
the industry. Most applications are approved in less
than a week. However, it could take longer if medical
records are requested, so it is best to allow 4 weeks or
more if possible. Certain conditions may be excluded
with a temporary rider (usually for one to two years), or
an indefinite rider.
Golden
Rule Insurance Company will typically call you on the phone
to verify information on your application.
It
is standard practice to request a Blood Pressure Inquiry
if you are currently being treated for or have recently
discontinued treatment for high blood pressure.
Effective
dates:
For
injuries, the effective date for a mailed application
will be the later of: (a) the requested effective date,
if any, shown on the application; or (b) the date upon which
the original application is actually received by Golden
Rule.
For
an application sent by any electronic method, the effective
date for injuries will be the later of: (a) the requested
effective date, if any, shown on the application; or (b)
the day after the date upon which the application is actually
received by Golden Rule.
The
effective date for illnesses will be the same as
for injuries if you are replacing prior coverage within
62 days of application for this coverage and disclose replacement
information on the initial application for insurance.
If replacement information is not disclosed on the initial
application for insurance, the effective date for illnesses
will be the 15th day after the effective date for injuries.
Illnesses that begin prior to that 15th day will be treated
as a preexisting condition and will not be covered until
the individual has been a covered person for 12 months.
HSA Administrator:
Your
health savings account is totally separate from your health
insurance, and you may use any approved bank or trustee
as your HSA administrator. We recommend that you choose
one from the HSA for America
Administrator
page, where you can compare rates and features.
About:
UnitedHealthOne
is the brand name used for products underwritten or administered by the UnitedHealthcare
family of companies offering personal health insurance, including Golden Rule
Insurance Company and United Healthcare Insurance Company.. UnitedHealthcare
Today, UnitedHealthcare servers more than 25 million customers. Our network
plans can ease access to high-quality care from more than 560,000 physicians
and 4,800 hospitals across all 50 states and in four international markets.*
We combine our strength and stability with nearly three decades of experience
serving customers of all sizes. Golden
Rule Insurance Company
Golden Rule merged with UnitedHealthcare in 2003, and has served individuals
and families with health insurance solutions for over 60 years. This experience
and knowledge is reflected in high-quality products, timely claims handling,
and outstanding customer service. Experience
and Expertise
Golden Rule's experience and expertise has driven the development of easy-to-use
and innovative health insurance products. A recognized leader - and one of the
nation's largest providers - of health savings account plans, Golden Rule continues
building plans that meet the needs of individuals and families. Golden Rule
is rated "A" (Excellent) by A.M. Best and "A+" (Strong)
by Standard and Poor's. These worldwide, independent organizations examine insurance
companies and other businesses and publish their opinions about them. These
ratings are an indication o four financial strength and stability. Customer
Satisfaction - More
than 92% of all health insurance claims are processed in 10 working days or
less.**
- Up to 35%-45%
discounts are provided on quality care thanks to our extensive network of doctors
and hospitals.***
- We're easy
to reach with a toll-free customer service line. We respond quickly to customer
questions and concerns.
*
As of 7/28/2008.
** Actual 2007 results.
*** Discounts vary by provider, geographic area, and type of service. 38240-G-0908 HSA
for America is an independent UnitedHealthcare/Golden Rule
producer.
"Your
customer service really sets you apart from most other
companies"
After
researching HSA's, we settled on Golden Rule and somehow
were connected with your agency. My experience
has been great with your agency...no complaints.
Your customer service really sets you apart from most
other companies.
Susan
Parry
New Smyrna Beach, FL
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