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Why Choose Us

Reasons why you should choose a UnitedHealthOneSM Health Plan


Nearly 27 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 with a variety of needs, including employers and individuals and families buying their own health coverage.


As part of the UnitedHealthcare family and underwriter of UnitedHealthOneSM plans, Golden Rule Insurance Company’s experience and expertise has driven the development of easy-to-use and innovative health insurance products. For nearly 70 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 focus on 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 (12-13-12). This worldwide, independent organization examines insurance companies and other businesses and publishes opinions about them. This rating is 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 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. UnitedHealthOneSMChoices 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 12 working days or less.2

Preventive Care is Covered 100%

For UnitedHealthOneSM health plans you don’t need to meet your deductible before preventive care 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.

Nationwide Network

You can find many providers in your area with nearly 780,000 physicians and other health care professionals and nearly 5,900 hospitals nationwide in the UnitedHealthcare Choice Plus network.1 Plus, our network can offer you provider discounts with a national average of as much as 50% on health care.3

Coverage for Your Children

Your children can benefit from coverage until they reach the age of 26.

Specialized Care

If you require care from a specialist, a referral is not required – making it easier for you to receive the care you need.

Emergency Coverage

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.

1 UnitedHealth Group Annual Form 10-K for year ending 12/31/2012. 2 Actual 2012 results for Golden Rule Insurance Company. 3 Discounts vary by provider, geographic area, and type of service. For costs, benefits, exclusions, limitations, eligibility, and renewal terms, call a licensed Product Advisor to discuss your health insurance options at (800) 444-8990.