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Expanded Short Term Health  -  Golden Rule short term health insurance reviews

Golden Rule Short Term Health Plan Review, Comparison, and Rates

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:

How to quote Trump short term health plans till Kaiser


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!

What is Golden Rule for short term


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.


In 2003, United Health (one of the largest health insurance carriers in the US) bought Golden Rule and brought them under the fold.


This brings up the next question people have?

Is Golden Rule the same as United Healthcare?



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:

  • Short term health plans
  • Critical illness and accidental medical
  • Dental and Vision plans


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.


How to quote Trump short term health plans till Kaiser


More about Golden Rule short term


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).


Maybe the biggest deal is Golden Rule's eager adoption of the new Trump short term plan changes.


There are three big changes that many States will adopt:



The difference is that you can get short term up to 364 days.


Golden Rule has signaled that will offer this expansion where allowed by the State.


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!


Golden Rule short term plan 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:

  • Choice of deductible
  • Choice of co-insurance
  • Choice of out of pocket max
  • Choice of maximum policy benefit


A quick look at these four (assuming in-network for covered benefits)


Choice of Golden Rule deductible


This is the factor that can affect the pricing the most!


Essentially the deductible is the amount that you will pay first before the plan will kick in.


You can choose from one:

  • $1000
  • $2500
  • $5000
  • $10000
  • $12500

Choice of Golden Rule coinsurance


This is the percentage you pay after you meet the deductible until you hit the out of pocket max.


You can choose from one:

  • 0%
  • 20%
  • 40%

Choice of Golden Rule Out of Pocket Max


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.

  • 0
  • $2,000
  • $5,000
  • $10,000


Choice of Golden Rule Plan Maximum Benefit


This is the amount the plan will pay up to for the period of time.


For true short term, people usually choose a higher deductible to keep the monthly cost down.


You can choose from one:

  • $250,000
  • $600,000
  • $2,000,000


You can run the quote with all the options here:


Golden Rule short term doctor networks


The short term plans used the UnitedHealth Choice network.


It's gigantic with over 1 million doctors nationwide.


It works like an EPO.


An EPO is similar to a PPO but you have no benefits outside of the network other than true emergency.


This network is broader than most we can get on ACA plans!


Golden Rule short term health reviews


Golden Rules suffers from the same affliction that all health insurance carriers have online.


Reviews are never great for insurance.


Let's face 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.


Our take?


The short term plans work well for catastrophic issues.


Where we've seen an issue is with pre-existing conditions.


Short term plans do not cover 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.


Can I get Golden Rule insurance in my State?


There are many States that have Golden Rule.


Look for United Health below:

short term health plans by State


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:

How to quote Trump short term health plans


How long can I get Golden Rule for?


It depends on your State.


Some states will only have 90 days (the old rule)

Some states have adopted the 364 day rule expansion.


Golden Rule has stated that they will expand where possible to meet the 364 days.


Check the quote below to see if you get the expansion.

How to quote Golden Rule for short term health


It's very easy an online.


You can quote Golden Rule here:

How to quote Trump short term health plans


Rates are based on zip code, age, and choice of plan.


There's no cost for our assistance and these are the best rates available ANYWHERE


Golden Rule insurance signup


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!

Quote the new Expanded 364 Day Short Term Health Plans with Blue Cross Blue Shield partner here


Again, there is absolutely no cost to you for our services.  Call 800-320-6269 Today!



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