Golden Rule Insurance Company: A life and health insurance company Golden Rule Insurance Company: A life and health insurance company
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For Florida Residents: Legislation Effective 7/1/2004

Direction on appropriate utilization of emergency services and alternative urgent care services. Choosing the Right Health Care Setting:

Emergency Room, Urgent Care and Clinical Care

Emergency Rooms

When you or a loved one is hurt, you want the best care. Deciding where to go isn't always easy. You may be tempted to go to the emergency room (ER). But, this may not be the best choice. At the ER, true emergencies are treated first. Other cases must wait--sometimes for hours. And, it may cost you more.
Go to the ER for:
  • Heavy bleeding
  • Large open wounds
  • Sudden change in vision
  • Chest pain
  • Sudden weakness or trouble talking
  • Major burns
  • Spinal injuries
  • Severe head injury
  • Difficulty breathing

Of course, each case is unique. If a situation seems life-threatening, take action. Call 911 or your local emergency number right away.

Urgent Care

Sometimes, you may need care fast. But, a trip to the ER may be unnecessary. You may want to try an urgent care center. They can treat many minor ailments. Chances are, you won't have to wait as long as at the ER. You may pay less, too.
An urgent care center can help with:
  • Sprains
  • Strains
  • Minor broken bones
  • Mild asthma attacks
  • Minor infections
  • Small cuts
  • Sore throats
  • Rashes

Clinical Care

If it's not urgent, it's usually best to go to your own doctor's office. Your doctor knows you and your health history. He or she can access your medical records. And, he or she can provide follow-up care or refer you to specialists.

For more information, visit www.floridahealthstat.com.


Carolinas HealthCare System Out-Of-Network for Golden Rule
Carolinas HealthCare System (CHCS) is out-of-network for Golden Rule insureds.

CHCS Hospitals/Facilities

The following facilities are no longer participating providers for Golden Rule:
Carolinas Medical Center, Charlotte, NC
Carolinas Medical Center – Mercy, Charlotte, NC
Carolinas Medical Center – Pineville, Charlotte, NC
Carolinas Medical Center – University, Charlotte, NC
Anson Community Hospital, Wadesboro, NC
Carolinas Medical Center – Union, Monroe, NC
Cleveland Regional Medical Center, Shelby, NC
Kings Mountain Hospital, Kings Mountain, NC
Lincoln Medical Center, Lincolnton, NC

CHCS Doctors and Other Medical Providers

Some doctors and other medical providers who are part of the CHCS are also out-of-network for Golden Rule Insureds. Please be sure to check with your provider before your next visit.

Golden Rule Website Provider Search

Please note that because CHCS is still contracted with UnitedHealthcare, their providers will continue to show under Choice Plus and Options when you search for providers. However, CHCS providers are out-of-network for Golden Rule Insureds.

If you need further information, please contact Golden Rule at the Customer Service number on the back of your ID card.