Golden Rule - Illinois

UnitedHealth One is the brand name used for Golden Rules products administered or underwritten by the UnitedHealthcare family of companies which offer personal health insurance.  Golden Rule is a major health insurance provider in the state of Illinois and has been in business for over 60 years.  It is rated “A” for Excellent by A.M. Best, and has a rating of “A+” for Strong by Standard and Poor’s.  The rating is based on financial strength and health care stability. 

Golden Rule offers a variety of health insurance plans to Illinois residents.  Golden Rule’s most popular plans in Illinois include Network Copay Select 20% - $3,500, Network Plan 100 - $2,500, HSA 100 - $2,500, Network Copay Select 20% - $2,500, and Network Copay Select 100% - $3,500

The following plans give a variety of options depending on the individual’s or family’s health coverage needs:

Network Copay Saver 1500                                          Network Copay Saver 2500

Network Copay Saver 5000                                          Network Copay Saver 7500

Network Copay Saver 10000                                       Network Copay Select 30%

HSA 70                                                                                                 Plan 80 

Saver 80                                                                              

For an in depth Golden Rule Insurance Plan Summary in Illinois, visit http://www.healthplanone.com/healthinsurancestatecarrierplans.asp

HSA 100 versus Plan 100 versus Copay Select 100

The Network Plan 100’s monthly premium is $121.54.  There is a $2,500 out-of-pocket deductible cost.  For primary and specialist care there is $35 copay.  For annual OB/GYN and annual physical examinations, there is a $35 copayment.  For inpatient and outpatient visits there is no additional charge after deductible.  For drug coverage, there is no charge for drugs after deductible is paid for and the maximum annual benefit is $3,000.

The HSA 100 plan’s monthly premium is $127.37.  There is a $2,500 out-of-pocket deductible cost.  For primary and specialist care there is no charge after deductible is paid.  For annual OB/GYN and annual physical examinations, there is also no charge after deductible is paid.  For inpatient and outpatient visits there is no additional charge after deductible.  For drug coverage, there is no charge for drugs after deductible is paid for and the maximum annual benefit is $3,000.

For individuals, Golden Rule’s monthly premium ranges from $44 to $303. For families, Golden Rule’s monthly premium ranges from $160 to $1305.

The Network Copay Select plan’s monthly premium is $120.57.  There is a $3,500 out-of-pocket deductible cost.  For primary and specialist care there is $35 copay.  For annual OB/GYN and annual physical examinations, there is a $35 copayment.  For inpatient and outpatient visits there is 20% copayment after deductible.  RX is covered, see plan for details.

For more information about Golden Rule plans in Illinois, contact us at 877-567-5267.