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Mother spent $100k 14 years ago for LTC insurance. Now she needs care and has care givers daily in the home, but the administrator (OneAmerica) for GR will not release her funds. Do not fall for scam. They guaranteed a annual 4% growth in benefits, but in the small print, they are allowed to recover whatever they claim for costs. So in 14 years this "investment" to provide future care has only grown less than 1.5% annually. Health Care cost... Read more

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The web site is terrible and difficult to navigate. In the claims area, the download command gives you an excel spreadsheet that the claim numbers are unreadable. (They are formatted in scientific notation!!) i was able to reformat the claim number column, then found over $750 in errors on the form. The EOB (Explanation of Benefits) forms that the company is suppose to provide are incomplete. They do not print the second page of the form... Read more

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Horrible insurance. Started at a $2500 PP deductible for family 4. Then I had to go to $5000 PP deductible to keep monthly premium close to what we were paying, $500.00 per month!!! Thank you """Affordable Health Care Act"" Family member had 2 hospital stays...hardly nothing covered. We now have $1,000's in bills from hospital. What a piece of ***. It is criminal that these companies are allowed to peddle this sham and bilk consumers out of... Read more

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There needs to be a class action lawsuit against this company for fraud!!! They are "behind" on processing payments and now I'm not allowed to use my insurance!! I'm expected to pay out of pocket then submit my receipts to be considered for reimbursements??? However I'm still expected to pay for my policy too??? Its costing me so much money!!! Can someone do something? I have filed a complaint with the Department of Insurance… Read more

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Have been with Golden Rule for 10 years. I called Nov 4th (over an hour wait) and asked to change deductible. I was told it would start December. December came and nothing changed so I called again (over an hour wait) The lady was very nice. She could see where I had called before and was unsure why it was not changed as promised. She apologized and said she would put in an urgent note and get it done. Jan 27th !!!! Still the same. So I called... Read more

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They wont let you cancel. On hold for over an hour twice then disconnected. Tried several avenues including online cancelation but was rejected because it didn't recognize my account number. WTF!Tried emailing and faxing with no response. Having to go through bank to stop auto pays. My dentist had some much trouble with them She begged my to change companies. There was a constant stream on correspondence back and forth with every cleaning... Read more

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Had coverage for two years in SD and they no longer cover SD as of mid 2014 and we had just moved to NC and noticed they stopped taking $740 out for Catastrophic insurance! They said they sent letters stating the coverage didn't exist for SD anymore but we never got them, and they said they stopped charging because we moved so therefore Jan/Feb/March when we were told we were cancelled, but they would restart our policy and charge $2400.00 for... Read more

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My rate just increased 22% how can a person on Social security even live at all. We got a big 1 percent increase. I am still paying of several doctors and hospital bills from last year and two years ago. with a 5000 deductible for each of us I am just trying to stay afloat. Golden rule charges more and more and covers less and less. We need a better system in this country, not Obama Care that just increases our rates. I called them and their... Read more

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Received 2 notices within the last year saying we could maintain our same monthly premium if we doubled our deductible!! We started plan at $2500 per person, now they want a $10,000 deductible!! What a pile of sh*t!? $500 month?! Are they out of there minds?! We have never been late paying monthly premiums. We have never filed any claims. Can you spell DROPPING COVERAGE? Go ahead government, send me your fine. Read more

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I am a college student with few options for health insurance. Listing them as my insurance company costs me more because they do not cover anything they claim to including what I have specifically clicked while signing up for them that I want covered. All of my prescriptions cost twice as much if I give the pharmacist my insurance card, and not even preventative care procedures are covered by their lousy excuse for insurance. They also jacked up... Read more

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