Golden Rule Insurance - Watch out smokers - they pull a bait and switch
I went online to get quotes for health insurance.Golden Rule was cheapest at 121.13 for nonsmokers and 156.39 for smokers.
I smoke about 6-8 cigarettes a day, and had no problem paying the 35.00 difference. Imagine my surprise when I got my policy and my quoted rate has increased to 199.21 because I am a smoker!! The 35.00 difference turned into a 78.00 difference. I have no preexisting conditions and take no medications, and was told on the phone that the increase was because I am a smoker.
How can a company quote a rate for being a smoker, when they know *** well they are going to charge more.
I could understand it if I was a heavy smoker, but I'm not.Unfortunately, the competition charges the same or a little more, so I am probably stuck with this policy.