United Healthcare Golden Rule of TN  

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Golden Rule Insurance of Tennessee is a member of the United Healthcare family of companies. United Healthcare serves more than 25 million people with a network of over 560,000 physicians and 4,800 hospitals in all 50 states, and in four international markets. This extensive network can help you save your health care dollars with discounts of up to 45 percent on quality care.

As one of the nation's largest health care providers, Golden Rule / United Healthcare of Tennessee excels in easy-to-use and innovative health insurance products for you and your family. Their high-deductible health plans can be combined with health savings accounts (HSAs) to give you greater control over your health care dollars. The Golden Rule HSA 100 plan handles 100 percent of covered expenses after the deductible. Doctor visits, prescription drugs, diagnostic testing, hospitalization and surgery are all covered. Plus, both 3-million-dollar and 5-million-dollar lifetime maximum options are available.

Want preventative health care? As a Tennessee resident, you will find that Golden Rule / United Healthcare of Tennessee has the coverage you need at a price you can afford. After a $35 co-payment for your office visit, Golden Rule Insurance covers everything else. That includes lab work, child immunizations, mammograms, pap smears, and PSA screenings. There are no copays for doctor visits not related to preventative care, and your insurance handles 100 percent of these covered expenses once the deductible is met. Just run an instant quote to see complete plan details and rates in your area. Plans are listed as United HealthOne, underwritten by Golden Rule. Or contact us and we will help you decide on a plan that is right for you and your family.

Rate Information:

Preferred rates without options are available on our instant quote page.  These rates do not include optional benefits such as term life.  Rates depend on gender, family size, smoking status, zip code, and health status.

The premium can be paid via quarterly billing, or a monthly bank draft.  The bank draft will occur on the premium due date each month.  The initial premium can be paid with a check, credit card, or bank draft.  This payment will be processed immediately upon receipt.

Network:

In most parts of the country, Golden Rule utilizes the UnitedHealthcare Choice Plus network, one of the largest and most well respected networks of doctors and medical facilities across the nation.  To find out which network is available to you in your area, please visit the Golden Rule Network.

Underwriting:

UnitedHealthcare/Golden Rule has one of the fastest underwriting departments in the industry.  Most applications are approved in less than a week.  However, it could take longer if medical records are requested, so it is best to allow 4 weeks or more if possible.  Certain conditions may be excluded with a temporary rider (usually for one to two years), or an indefinite rider.

Golden Rule Insurance Company will typically call you on the phone to verify information on your application.

It is standard practice to request a Blood Pressure Inquiry if you are currently being treated for or have recently discontinued treatment for high blood pressure.

Effective dates:

For injuries, the effective date for a mailed application will be the later of: (a) the requested effective date, if any, shown on the application; or (b) the date upon which the original application is actually received by Golden Rule.

For an application sent by any electronic method, the effective date for injuries will be the later of: (a) the requested effective date, if any, shown on the application; or (b) the day after the date upon which the application is actually received by Golden Rule.

The effective date for illnesses will be the same as for injuries if you are replacing prior coverage within 62 days of application for this coverage and disclose replacement information on the initial application for insurance.  If replacement information is not disclosed on the initial application for insurance, the effective date for illnesses will be the 15th day after the effective date for injuries.  Illnesses that begin prior to that 15th day will be treated as a preexisting condition and will not be covered until the individual has been a covered person for 12 months.

How to Apply:

Simply run an instant quote and select the plan you are interested in.  Then select to apply online or download the application, fill it out and fax it in to us.  We will then stay in touch with your during the underwritting process to keep you informed of the progress.

About United Healthcare / Golden Rule of Tennessee:

UnitedHealthOne is the brand name used for products underwritten or administered by the UnitedHealthcare family of companies offering personal health insurance, including Golden Rule Insurance Company and United Healthcare Insurance Company..

UnitedHealthcare
Today, UnitedHealthcare servers more than 25 million customers. Our network plans can ease access to high-quality care from more than 560,000 physicians and 4,800 hospitals across all 50 states and in four international markets.* We combine our strength and stability with nearly three decades of experience serving customers of all sizes.

Golden Rule Insurance Company
Golden Rule merged with UnitedHealthcare in 2003, and has served individuals and families with health insurance solutions for over 60 years. This experience and knowledge is reflected in high-quality products, timely claims handling, and outstanding customer service.

Experience and Expertise
Golden Rule's experience and expertise has driven the development of easy-to-use and innovative health insurance products. A recognized leader - and one of the nation's largest providers - of health savings account plans, Golden Rule continues building plans that meet the needs of individuals and families. Golden Rule is rated "A" (Excellent) by A.M. Best and "A+" (Strong) by Standard and Poor's. These worldwide, independent organizations examine insurance companies and other businesses and publish their opinions about them. These ratings are an indication o four financial strength and stability.

Customer Satisfaction

• More than 92% of all health insurance claims are processed in 10 working days or less.**
  
• Up to 35%-45% discounts are provided on quality care thanks to our extensive network of doctors and hospitals.***
  
• We're easy to reach with a toll-free customer service line. We respond quickly to customer questions and concerns.

* As of 7/28/2008.
** Actual 2007 results.
*** Discounts vary by provider, geographic area, and type of service.

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eTNHealthInsurance is an independent UnitedHealthcare/Golden Rule producer.

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