Golden Rule Insurance Company a wholly owned subsidiary of UnitedHealthcare believes everyone deserves flexible health care. That’s why UnitedHealth One offers a range of health insurance plans directly to families and individuals under age 64. From traditional health benefits to Health Savings Accounts Plans and more, Golden Rule has coverage that’s right for you.

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Why UnitedHealthcare?

Dedicated to improving our health care system.

The health care system isn’t healthy. Costs continue to rise. Access to quality care has become increasingly inconsistent. The entire industry is inefficient and overly complex.

UnitedHealthcare are committed to changing health care through outstanding service, valuable products and measurable savings, year after year.

More choices for better health.

UnitedHealthcare has a variety of plans* to help you find the coverage you need at a price you can afford. You can also purchase optional benefits and riders to further increase your coverage.

UnitedHealthcare health insurance plans include:

1. Copay
   Designed for individuals and families who prefer the convenience of a traditional copay plan for routine health care expenses. Golden Rule covers inpatient and outpatient medical expenses up to a $3 million lifetime maximum benefit per covered individual. You may also choose to buy up to $5 million in coverage. A Golden Rule Copay insurance plan may be right for you if you:

   1. Prefer the convenience and predictability of copayments for routine health care expenses

   2. Have young children with regularly scheduled doctor visits

   3. Want copayment benefits for preventive care and prescription drugs

2. Health Savings Account (HSA)
   Lower cost, high-deductible plans combined with a tax-favored savings account for more control over health care expenses. Golden Rule HSAs may be right for you if you want:

   1. More control over how your health care dollars are spent

   2. ?One calendar year deductible per family

   3. Lower monthly premiums

   4. Tax savings

3. High Deductible
   A suitable choice for individuals and families who choose to take responsibility for routine health care expenses. A Golden Rule® High Deductible Insurance Plan may be right for you if you are:

   1. Willing to pay for routine health care expenses in exchange for lower premiums

   2. An early retiree needing a bridge to Medicare

   3. Looking for protection from unexpected accidents or illnesses at a lower cost

4. Short Term Medical
   Designed to help fill gaps in insurance coverage during times of transition and change. A Golden Rule Short Term Medical insurance plan may be right for you if you are:

   1. Between jobs or unemployed

   2. A young adult finished with school, or a student no longer under a parent’s insurance plan

   3. An early retiree

   4. Waiting for other coverage to begin

5. UnitedHealthcare through Golden Rule offer a range of deductibles, payment options and length of coverage. You can also drop your Short Term Medical coverage at any time without penalty.

6. Student Coverage
   Essential medical-care coverage for students. UnitedHealthcare Student Coverage offers:

   1. Coverage for essential medical services year-round, on- or off-campus

   2. Coverage from a leader in the student health industry, backed by the strength of United HealthCare Insurance Company

7. UnitedHealthcare StudentResources provides unparalleled service, including:

   1. 24/7 online access to coverage and account information and forms

   2. ?Toll-free customer service support

   3. Fast, efficient claims processing

   4. Access to UnitedHealthcare’s Preferred Provider Organization (PPO) national physician network

   5. 24/7 access to NurseLineSM and help from registered nurses

   6. Online access to health resources

8. Health Care Quality
   

9. The UnitedHealth Premium designation programs helps you choose the right doctor or facility for you.
   
   Not all health care is equal. According to a 2006 study published in the New England Journal of Medicine, adults receive the recommended medical treatment only 55 percent of the time*. To address the quality difference in health care, UnitedHealthcare developed the UnitedHealth Premium designation program to recognize doctors and specialty centers that meet guidelines for providing quality and cost efficient care.

10. The UnitedHealth Premium physician designation program uses national industry, evidence-based clinical guidelines for its quality of care designation and local market benchmarks for its cost efficiency designation. Doctors who meet the criteria for quality of care receive one star and those who meet cost efficiency and quality standards receive two stars.

11. Quality of Care: These doctors meet the criteria for quality of care based on evidence-based medical standards and practices from medical organizations and governmental agencies such as the Ambulatory Care Quality Alliance, the National Committee for Quality Assurance and the American College of Cardiology, plus scientific advisory boards.

12. Quality and Cost Efficiency of Care: These doctors meet the criteria for quality of care based on evidence-based medical standards and practices as well as the local market benchmarks for providing cost-efficient care.

13. The UnitedHealth Premium specialty center program recognizes specialty centers for their commitment to quality health care in the following areas:
    
    

    1. Cardiac Care

    2. Congenital Heart Disease

    3. Infertility

    4. Neonatology

    5. Spine Surgery

    6. Total Joint Replacement

14. It designates specialty centers on two criteria: quality of care and cost efficiency. Specialty Centers can receive from one to three stars on quality. If the facility meets the quality criteria, it will then be evaluated for cost efficiency and identified as “higher efficiency,” “average efficiency” or “lower efficiency” in addition to their quality designation.

15. Direct access to health care dollar balances