Individual health insurance plans explained : Golden Rule insurance : EasyToInsureME
By: Health Insurance
Submitted: 2009-08-06 11:27:05 | Word Count: 711
Golden rule insurance offers the most affordable health insurance plans across the United States. Golden rule is the underwriter for United healthcare, which is the largest health insurance company in the States. The company offers many different plans to choose from and a variety of options to make health insurance very affordable for any individual and family. When choosing a health insurance plan everyone should take a look at Golden rule insurance for your health insurance needs.
Affordable options are what Golden rule is all about. With deductibles ranging from $500-$2500 and coinsurances ranging from 0% to 30% you'll be able to find an affordable option for your healthcare needs. For example, for a doctor's visit you can pay as low as $25 in the Golden rule copay select plan. Although Golden rule does offer many different plans I feel that this is one of the best plans they offer it is called the copay select plan. With very low co-pays for doctor visits, medicine, and even $100 emergency room copay visits will allow you to know how much you're going to pay for your healthcare services. Furthermore, even though you do have a deductible for healthcare services such as x-rays, lab tests, and hospital, your annual exam and any blood tests or x-rays associated with your annual exam will be covered under your annual exam and you would not have to pay on your deductible for this.
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Being that Golden Rule insurance is the underwriter for United healthcare the largest health insurance company in the country, consumers can enjoy a large network of doctors. This will allow them to visit doctors all over the United States and receive care from many different providers and any provider of their choice.
Out-of-pocket maxims on the copay select are extremely low when compared to other health insurance plans. You will notice when you get a health insurance quote from EasyToInsureME that the out-of-pocket maximum compared to the amount of coverage is a very good ratio. Most plans in the United States have out-of-pocket maximums of around $5000 for the year for about $5 million worth of coverage. Some may say this is high but it's actually the maximum you can pay per year for the amount of coverage you receive. Therefore, for $5 million worth coverage you only have to pay $5000. Golden rule insurance offers a minimum out-of-pocket expense and offers up to seven million dollars worth of insurance coverage for their clients.
If you are looking for affordable health insurance Golden rule insurance is the way to go. The reason I say this is because of the different options available to you. Not only do you have many options with the copay select plan, you have other options such as health savings accounts, copay saver plans and many more. The co-pay saver plans are quite unique, they are unique in that you still will receive the same type of benefits you would with any major medical health insurance plan however your doctor visits are limited to three visits per year. You have one annual exam visit, and you are allowed two anytime doctor visits at a set co-pay around $25-$35 depending upon the options that you choose in your plan.
Now with Golden rule insurance you are able to choose two different dental insurance plans. The first dental insurance plan is a value plan and the second is a premium plan. If you like to see the difference in the two please view health insurance quotes at EasyToInsureME and click on the brochure link to see the different dental insurance benefits.
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EasyToInsureME offers clients the easiest way to buy individual health insurance. Free services include instant online health insurance quotes, custom proposals for each client, free phone consultations, and 10-minute application by phone. Nobody does what we do for our clients!
