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Golden Rule is a proud member of the United Health Group family of businesses, which currently serves nearly more than 26 million individuals nationwide. As an innovative leader in the health and well-being industry for over 60 years, they have driven the development of plans that strive to make health coverage more affordable. 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. Golden Rule's network plans can ease access to high-quality care from more than 470,000 physicians and 4,500 hospitals across all 50 states and in four international markets. If you are looking for well-designed plans, with great add-on benefits (such as Maternity), Golden Rule is a great choice.
Golden Rule is rated "A" (Excellent) by A.M. Best.
Golden Rule Plans Available
Copay Select
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5 deductibles to choose from
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$3 million lifetime maximum benefit ($5 million available)
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12-month rate guarantee
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$35 co-pay for Doctor office visits
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Preventative care benefits
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$15 co-pay for generic Rx (Name brand Rx subject to $100 deductible, then $30 or $60 co-pay)
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Optional Benefits include First-Dollar Accident Rider, Maternity Rider, and Term-Life
Co-Pay Saver
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2 deductibles to choose from
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$3 million lifetime maximum benefit ($5 million available)
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12-month rate guarantee
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$35 co-pay for Doctor office visits (maximum 2 visits per person, per year)
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$15 co-pay for generic Rx (Name-brand Rx not covered under this plan)
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Optional Benefits include First-Dollar Accident Rider, Maternity Rider, Preventative Care and Term-Life
Plan 100
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4 deductibles to choose from
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$3 million lifetime maximum benefit ($5 million available)
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12-month rate guarantee
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No co-insurance - 100% coverage after deductible is met
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Optional Benefits include First-Dollar Accident Rider, Maternity Rider, Rx Drug Card, Preventative Care, and Term Life
Plan 80
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4 deductibles to choose from
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$3 million lifetime maximum benefit ($5 million available)
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12-month rate guarantee
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Preventative care, Doctor Office visit fees, Rx Drugs -- covered after deductible is met
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Optional Benefits include , First Dollar Accident Rider, Maternity Rider, Rx Drug Card, Enhanced Preventative Care and Term Life
Saver 80
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Lowest premiums
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6 deductibles to choose from
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$3 million lifetime maximum benefit
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12-month rate guarantee
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Rx Drugs not covered under this plan (Discount card included)
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Optional Benefits include First Dollar Accident Rider, Maternity Rider, Preventative Care, and Term Life
HSA 100
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5 deductibles to choose from
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100% coverage after deductible is met
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$3 million lifetime maximum benefit ($5 million available)
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Tax benefits up to $2900 per individual or $5800 per family
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Preventative care covered 100% (up to $300 maximum benefit) after deductible is met
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Rx drugs covered 100% after deductible is met
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Optional benefits include Enhanced Preventative Care, HSA Hospital Indemnity Rider, and Term Life
HSA Saver
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5 deductibles to choose from
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100% coverage after deductible is met
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$3 million lifetime maximum benefit ($5 million available)
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Tax benefits up to $2900 per individual or $5800 per family
Health Plan Description Form (download PDF)
Click Here for a more detailed description of any of these plans
Is Your Doctor In the Golden Rule Network?
Click Here to find out
Online Application
Click here to be directed to Golden Rule's online application.
Local Broker
Call (1-800-345-0789) or email your local Colorado broker, Michael Horvat, if you have any questions. Michael has over 28 years of experience in the health insurance industry.
How to Apply
You can go directly to Golden Rule's website, register, and apply online or download an application.
However, we recommend you run our free quote engine to get an initial cost estimate and comparison of hundreds of plans from multiple providers. You can then sort plans according to a number of variables, apply online, download an application, or have an application sent to you via mail.
Health Insurance University
Check out our Health Insurance University to get insider tips on how to apply for health insurance and get a better understanding of how to pick the best plan type - HMO, PPO, POS, Indemnity or HSA - for your unique situation. Plus there is information on COBRA, a glossary of terms and FAQs.
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Plans 
