Golden Rule Insurance Company is a major provider of health insurance for groups and individuals, life insurance, and annuities. Since 1940, Golden Rule has provided its policyholders with long-term value in the marketplace and maintains its role as a leader and innovator in the insurance industry with the introduction of Medical Savings Accounts and other new products in the 1990s.

Golden Rule’s focus on providing quality health insurance to individuals and families has led to many innovations. In 1993, they pioneered the first Medical Savings Account (MSA), and today are a market leader in Health Savings Account plans (HSAs), which combine lower-cost, high deductible health insurance with a tax-advantaged savings account. Our wide range of  health insurance plans also includes other high deductible plans as well as more traditional  copay plans.

About Golden Rule

As a health insurance industry leader, UnitedHealthcare’s Golden Rule has been an innovator of quality, health insurance products for individuals and families for more than 60 years. In 2003, Golden Rule became a UnitedHealthcare company, a proud member of the UnitedHealth Group family. Today, under the UnitedHealthOne brand, Golden Rule and its affiliated companies offer health plans to individuals and families who buy their own coverage in 40 states and the District of Columbia.

UnitedHealthcare provides a full spectrum of consumer-oriented health benefit plans and services to individuals, public sector employers, and businesses of all sizes, including more than half of the Fortune 100 companies. The company organizes access to quality, health care services on behalf of more than 25 million individual consumers today, contracting directly with more than 560,000 physicians and care professionals and 4,800 hospitals to offer them broad, convenient access to services nationwide.

Golden Rule, Inc.

Corporate Headquarters:
7440 Woodland Dr.
Indianapolis, Indiana 46278
(317) 715-7111
CEO:
Richard Collins
Employee Number:
35,276
2008 Revenue:
$31.6 billion

Product Types Offered

Individuals

UnitedHealthcare and its family of affiliates offer an array of health plans for individuals and families. Golden Rule offers the following types of plans:

• People who prefer lower premiums with higher deductibles
• People who prefer lower premiums with higher deductibles
• Individuals, especially those who are self-employed, that would like to utilize triple tax advantages.

• Those who are comfortable with employer-sponsored health insurance and want that sort of plan design.
• Families with young children who have regularly scheduled doctor office visits.
• Adults who want Copay benefits for preventive care and prescription drugs.

• Costs less than more traditional Copay plans
• Anyone seeking lower cost protection from unexpected accidents and illnesses
• Early retirees needing a bridge to Medicare

Dental Insurance:
Dental Insurance provides coverage from dental cleanings to root canals. Their dental insurance plans provide you with the coverage you need to promote good dental health.

Short-Term Insurance
Short Term MedicalSM insurance can be an alternative to COBRA health insurance and can provide temporary health insurance for individuals who may have:

• Lost Coverage through recent job or life changes
• Recently graduated and are no longer covered by your parent's plan
• A job as a seasonal worker
• Begun enjoying early retirement and are waiting for Medicare
• Recently completed COBRA insurance coverage

Provider Network

Golden Rule has one of the country’s biggest provider networks as it is a part of UnitedHealth, one of the biggest Health Care Insurance providers in the country. You can use Golden Rule’s online provider directory to learn more about doctors, hospitals, other medical services, dentists, vision care providers and pharmacies that work with your Golden Rule plan.

Click Here to Access Golden Rule’s Provider Network

Recent News

Here are some of the most recent news regarding Golden Rule:

Study Reveals Lack of Information, Not "Invincible" Mindset, Stands Between Young Adults and Health Insurance
Two out of every three students have no plans for coverage after graduation

Indianapolis, IN (May 18, 2009) - With graduation at hand for the Class of 2009, a nationwide survey reveals that 82 percent of young adults see health insurance as a necessity they cannot ignore yet more than half acknowledge that they lack information to make good decisions about coverage once they are no longer on their parents' or college plans.

In an online poll of 1,000 18-21 year olds conducted by the polling companyTM, inc. for UnitedHealthcare, 67 percent of young adults have not made any plans for health insurance coverage after they leave school, even though the overwhelming majority acknowledges its importance. In fact, 68 percent rank health benefits as important as salaries when choosing their jobs. (Continue Reading)

Rating

Golden Rule’s rating, as rated by A.M. Best Company. A.M. Best Company is a full-service credit rating organization dedicated to serving the financial services industries, including the banking and insurance sectors.

Financial Strength Rating
Rating: A (Excellent)
Financial Size Category: IX ($250 Million to $500 Million)
Outlook: Stable
Action: Affirmed
Effective Date: June 15, 2009