UnitedHealthCare / Golden Rule HSA

Golden Rule Insurance Company offers Qualified High-Deductible Health Plans that qualify to be used with Health Savings Accounts.  Please run an instant quote to find plans available in your area.  You will also be able to view plan brochures which list Plan Provisions, Limitations & Exclusions, Renewability, and State Variation information.

When you view quotes on our instant quote system, these plans are listed as UnitedHealthcare, Underwritten by Golden Rule.

To be considered for reimbursement, expenses must qualify as covered expenses.  Expenses are also subject to reasonable and customary limits, unless you use a network.

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.  There are no copays for doctor visits, but once the calendar year deductible is met the insurance will pay 100% of covered expenses.

Golden Rule HSA Saver

This plan works like the Golden Rule HSA 100, with reduced benefits for outpatient care.  These limitations include:

1. Outpatient doctor visits are not covered.
   
   
2. Outpatient prescriptions drugs are not covered (though you do receive a discount card).
   
   
3. Preventative care visits are not covered unless required by state law.
   
   
4. Outpatient lab and x-ray charges are only covered if within 14 days of surgery or confinement.
   
   
5. Outpatient therapy is not covered, including Physical, Mental, Occupational, and Speech.
   
   
6. Emergency room benefit is limited to $250 per person per year, if ER is used and you are not admitted to the hospital.

These 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.

Enhanced Preventive Care Benefits Package

Golden Rule now offers you the choice of additional coverage for adult and child preventive care services with any of their Preferred Network HSA plans.  If elected, this option replaces preventive care benefits otherwise included within the plan.  This package waives the deductible and provides 100% for the following covered expenses:

• $35 copay on each preventive office visit (primary care, OBGYN, etc).
  
• The following charges for preventive care that are performed in conjunction with the office visit are exempt from the deductible and coinsurance whether performed in the doctor’s office or elsewhere:
  
  
  • Child (under age 19) and adult immunizations
    
  • Mammogram, cervical and Pap smears, PSA
    
  • Urinalysis and blood tests
    
  • Bone density screens
    
  • EKG and cardiac stress tests
    

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.

(Note: HSA Hospital Indemnity Rider is not available with certain plans with $1,100 or $2,200 deductibles.)

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 Golden Rule Insurance Company:

UnitedHealthcare
Today, UnitedHealthcare serves more than 26 million customers. Our network plans can ease access to high-quality care from more than 535,000 physicians and 4,700 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 Insurance Company is the underwriter and administrator of the UnitedHealthcare plans for individuals and families shown on this Web site. 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. In Louisiana, plans are offered by United Healthcare Insurance Company and administered by Golden Rule.

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 of our 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 1/3/2008.
** Actual 2007 results.
*** Discounts vary by provider, geographic area, and type of service.

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HSA for America is an independent UnitedHealthcare/Golden Rule producer.