You do not need to settle for a bare minimum plan, be sure and ask about preventive care add-ons or other coverage to get the best quotes. Or if you're Machiavelli: if you do something terrible, do it all at once so people only hate you for a short time. About See All. There is a six-month waiting period for preventive care benefits. The company has been selling short-term health insurance … In others, you may end up having to pay into the plan yourself fully. Go! All plans have coinsurance of 20% or 30%.. Golden Rule Insurance was first mentioned on PissedConsumer on Feb 06, 2008 and since then this brand received 81 reviews.. Golden Rule Insurance ranks 203 of 995 in Insurance category. The coverage period maximums are either $750,000 to $1,000,000, and there are 80/20 or 100/0 coinsurance options with out-of-pocket maximums from $2,000 to $4,000. It's helped many times in the past. Although Everest does not offer coverage for prescriptions, it does provide discount cards. Short-term health insurance (STM) plans are meant to be used when you have a temporary insurance coverage gap. It has been offering short term insurance for more than 30 years. I know this saying as, "Don't break the law while you're breaking the law." Explore the company profile and learn everything from culture to benefits. 4065 Osage Beach Pkwy (818.77 mi) Osage Beach, MO 65065. At Golden Rule Insurance Agency, we can help you create a policy that’s designed to safeguard the best interests of your business - so you can focus on serving your customers and increasing your profits. This doctor was in network according to my insurance. Requires emergency pre-certification within 48 hours. AM Best. At Golden Rule Insurance we pride ourselves in offering our clients the best insurance carriers in the business. AM Best. Home health care, physical therapy, mental health, and substance abuse benefits. 11.1k comments. "AM Best Affirms Credit Ratings of Independence Holding Company and Its Subsidiaries." The customer is not always right. When I went for my first visit, he charged me 250 dollars and said “he doesn’t do insurance” and it’s cash only. Get a Short Term Health Insurance Quote from Golden Rule. For example, the Independence American Insurance Company policy we reviewed did not pay benefits for chiropractic care, mental health treatment, or periodic health exams, but did include an option to cover $25,000 for pre-existing conditions such as known illnesses or injuries in the Connect Plus Plan. By using our Services or clicking I agree, you agree to our use of cookies. You'll also find other supplemental health options like telemedicine and prescription discount plans that improve the standard offerings and allow consumers to pick what is most important to them. Short-term health insurance provides limited coverage as a temporary bridge while you wait to qualify for an ACA compliant plan. But they are always the customer. Pivot Health. The Golden Rule policy states that wherever my policy is delivered to will be the governing State and that State insurance rules will apply. My insurance has a 30 dollar copay for chiropractic and massage therapy. Plans vary by state, though, and we did find outliers with lower deductibles, but also higher out of pocket maximums.. Your policy will be serviced by one of these companies depending upon where you live, and some states require membership in Communicating for America, a national non-profit organization whose mission is to promote health and wellbeing through member benefits. ... Brenda Dukes Office Administrator at Cornerstone Environmental, Health and Safety, Inc. COBRA plans allow you to maintain the coverage you had through your employer or previous group benefits, including all the ACA-compliant essential benefits, and allow you to maintain coverage for things like pregnancy or mental health if your former plan covered it. 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