Golden Rule® A UnitedHealthcare Company

Golden Rule has been a leader in the individual health market for nearly 60 years. Golden Rule is a member of the UnitedHealth Group family of businesses which serves nearly 55 million individuals nationwide and is rated "A" or Excellent by AM Best. Golden Rule primarily focuses on the health insurance needs of individuals and families and historically pays health insurance claims very quickly. All Golden Rule plans include access to one of their "Savings-Based Networks" however "Preferred Networks" are also available and offer significant premium discounts.

As with all carriers in the individual insurance market, Golden Rule has the right to accept, decline or waiver (not cover) any condition. Let us help guide you through the process especially if you are being treated for things like depression, anxiety, or high cholesterol.

Golden Rule offers several plans designed to cover a multitude of needs. Specific Plans offered are:

• Copay Plans
• Copay Select
• Copay Saver

Note: Golden Rule's Copay Select Plan is designed for those who prefer the convenience of copay benefits for routine health care expenses and for those families with young children who have regularly scheduled doctor office visits. The Copay Select plan also has good preventative and prescription drug coverage

• Health Savings Account (HSA) Plans
• HSA 100 This is a top-selling HSA plan
• HSA Saver

Note: Golden Rule Health Savings Account plans are designed with one annual deductible per family and work best for those interested in trading a low deductible health insurance plan for one with a higher deductible plan in order to save money on monthly premiums and taxes!

• High Deductible Plans
• Plan 100 This is a top-selling high deductible plan/li>
• Plan 80
• Saver 80

Note: High deductible plans are designed for those willing to take responsibility for routine health care expenses in exchange for lower premiums. Generally speaking, deductibles and premiums are inversely proportionate - the higher the deductible, the lower the premium

• Preventative Care Benefits Package This option is available with their Preferred Network plans. If elected, this option replaces preventive care benefits otherwise included within the plan. This package waives the deductible and provides 100% for the following covered expenses:
• Routine well child care visits through age 18
• Childhood immunizations
• Mammogram, PAP smear, and PSA test
• Adult preventive care age 19 and older (12 month wait on adult preventive care) - $35 copay, then 100% in network - benefit limited to $300 per calendar year


• Limited Maternity Benefit helps cover the costs for routine pregnancy and delivery. You choose the maximum benefit amount: $2,500 or $4,000. Payment is limited to 50 percent of the maximum benefit during the first year. After the first year, the plan will pay 100 percent of the maximum benefit. To be covered, a pregnancy must begin while the maternity benefits are in effect



Benefit Amount	Year One	Year 2 and On
$2,500	50%	100%
$4,000	50%	100%



• Prescription Drug Card Benefit With this Optional benefit you can purchase Generic drugs for a $20 copay and name-brand drugs for a $50 copay after a $250 calendar-year, per-person deductible.
• Supplemental Accident Benefit provides up-front coverage for unexpected accidents. Benefit is up to $500 of first-dollar coverage for treatment of an injury within 90 days of an accident. It is not available with HSA Plans
• Term Life Benefit
• HSA Hospital Indemnity Rider designed to help protect against major hospitalization expenses during early months when cash hasn't accumulated in your savings account

Remember Optional Benefits are not available on all plans and are NOT included on the instant quote page.

Harmony Insurance Benefits is proud to be an independent authorized United Healthcare/Golden Rule agent in Colorado.

This information is intended for education purposes only. Carrier's products can differ in coverage amounts, network providers, limitations of coverage, plan exclusions, etc, therefore every reader is encouraged to call our agency for health plan-specific information, which can easily be made available. Also be sure to view the carrier's brochure and other material BEFORE you apply. Medical expenses must qualify as medically necessary and covered expenses to be considered for reimbursement. Use of a network provider is necessary to avoid reimbursement that is limited to reasonable and customary limits.