Why Choose Us
Reasons why you should choose a UnitedHealthOneSM Plan
Approximately 26 million customers entrust UnitedHealthcare with their health insurance needs.1 Our network plans can ease access to high-quality care from physicians and hospitals nationwide. We combine our strength and stability with nearly three decades of experience serving customers of all sizes, including individuals and families buying their own health coverage.
UnitedHealthOneSM is the brand name of the UnitedHealthcare family of companies that offers personal health insurance products. Golden Rule Insurance Company, a UnitedHealthcare company, is the underwriter and administrator of these plans. With over 65 years of experience serving individuals and families, Golden Rule provides high-quality products, timely claims handling, and outstanding customer service.
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.
For over 65 years, Golden Rule has served individuals and families purchasing their own health insurance. Our experience and expertise has driven the development of plans that strive to make health coverage more affordable for more Americans. With our sole focus of serving individuals and families, we understand the unique needs of individuals, like you, shopping for personal health insurance.
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 of our financial strength and stability.
We understand the importance of your time and concern for the value of your health care dollars. Our customers benefit from strong discounts on quality health care coverage made possible when using our vast network of quality health care providers. Our goal for every customer is an insurance plan at a price that fits his or her needs and budget. UnitedHealthOneSM – Choices you want. Coverage you need.®
Fast Claims Processing
We recognize the critical importance of being responsive to the service needs of our customers. That’s why more than 94% of all health insurance claims are processed within 10 working days or less.2
UnitedHealthOneSM offers a Deductible Credit feature on most renewable health insurance plans, which can decrease your insurance plan deductible up to 50%. The Deductible Credit is applied each year you do not meet your calendar-year deductible. Read more about Deductible Credit.
Preventive Care is Covered 100%
You don’t need to meet your deductible before any of these benefits are covered. Nor do they require coinsurance or copayments as long as these services are provided by an in-network doctor. Learn more about what is included in Preventive Care.
You can find many providers in your area with more than 754,000 physicians and care professionals and 5,400 hospitals nationwide in the UnitedHealthcare network.1 Plus, our network can offer you provider discounts with a national average of up to 50% on quality health care.3
Benefits for a Lifetime
Each of our plans gives you the protection of an unlimited lifetime benefit.
Coverage for Your Children
Your children can benefit from coverage until they reach the age of 26.
If you require care from a specialist, a referral is not required – making it easier for you to receive the care you need.
From state-to-state, even traveling outside the U.S., you can rest assured knowing that in a medical emergency, coverage is available.
In most states, UnitedHealthOneSM health insurance plans are available as group coverage when you become a member of the Federation of American Consumers and Travelers (FACT). FACT members have access not only to UnitedHealthOneSM health plans from Golden Rule, but also accidental death benefits and discounts on a wide range of services, pet coverage, and even travel expenses.