|
|
|
|
Golden Rule Insurance |
|
|
Americans have been depending on Golden
Rule Insurance Company for over 60 years, and Golden Rule
has rewarded them with three great plan choices and new
Saver plans. People are taking notice! Standard and Poor
gave them an A+ rating and A.M. Best followed suit with an A
or Excellent rating. These ratings are an indication of the
company's financial strength and stability.Click to get the
most recent
Brochure for AL, AR, AZ, CO, IA, IL, IN, KY, MI, MD, MO,
MS, NE, OH, OK, PA, SC, TN, TX, VA, WI
|
|
|
HSA Plan
HSA 100 - our
comprehensive HSA
Pays 100% of all covered expenses after deductible
Includes doctor office visits and Rx
HSA Saver
- our most affordable HSA plan
Priced 20-40% less
Outpatient doctor visits are not covered
Outpatient Rx is not covered – Preferred Price card
included
Our HSA plans offer:
Several single and family deductible options
Option to establish a Health Savings Account
|
|
|
|
Benefits
|
HSA 100*
|
HSA Saver*
|
|
Doctor office visit fees
|
100%
|
Not covered
|
|
Mammography, Pap Smear, and PSA
Testing
|
100%
|
100%*
|
|
Adult Preventive care
|
100%
|
Not covered
|
|
Immunizations (Up to $500 annually
for ages 0-18)
|
100%
|
Not covered
|
|
Outpatient prescription drugs
|
100%
|
Not covered – Preferred Price card
included
|
|
Sample Rate**
Husband/wife, age 35, two children, Saint Peters,
MO 63376
|
$5,650 Ded
$204.93
|
$5,650 Ded
$159.38
|
|
|
|
High Deductible Plans
Plan 100 - Pays 100% of all covered expenses
after deductible
Includes doctor office visits and Rx
Plan 80 – similar to the Plan 100 but offers
80/20 coinsurance
Priced 15-20% less
Includes doctor office visits and Rx
Saver 80
- our most affordable plan
Priced 30-40 less than Plan 100
Outpatient doctor visits are not covered
Outpatient Rx is not covered – Preferred Price card
included
|
|
|
|
Benefit
|
Plan 100®
|
Plan 80
|
Saver 80
|
|
Calendar-Year Deductible Choices*
(maximum 2 per family, per calendar year)
|
$2,500, $3,500**, $5,000
|
$2,500, $3,500**, $5,000
|
$500, $1,000, $1,500, $2,500,
$3,500**, $5,000
|
|
Coinsurance (per covered person, per
calendar year)
|
100%****
|
80/20 to $15,000 then 100%****
|
80/20 to $15,000 then 100%****
|
|
Doctor office visit fees
|
100%
|
80%
|
Not Covered
|
|
Outpatient prescription drugs
(Preferred Price Card included with all plans)
|
100%
|
80%
|
Not Covered – Preferred Price Card
included
|
|
Sample Rate*****
Husband/wife, age 35, two children Saint Peters,
Missouri 63376
|
$2,500 Ded
$221.63
|
$2,500 Ded
$188.23
|
$2,500 Ded
$141.17
|
|
|
|
Copay Plan
Copay Select – benefit-rich with unlimited $25
doctor office copays
Copay Saver - our most affordable copay plan |
|
|
|
Benefits
|
Copay SelectSM*
|
Copay SaverSM**
|
|
Calendar-year Deductible choices
(max 2 per family, per calendar year)
|
$500, $1,000, $1,500, $2,500
|
$2,000***
|
|
Coinsurance (per covered person,
per calendar year)
|
80/20 to $10,000,
then 100%****
|
80/20 to $15,000,
then 100%****
|
|
Doctor office visit
|
For history and exam:
$25 Copay, then 100%
|
History and exam: $35 Copay then
100%
(max 2 visits/ person per year)
Other services: not covered
|
|
Outpatient prescription drugs
|
Generic: $15 Copay
Name Brand: $100 calendar year
deductible –
then $30 for preferred, $60 for
non-preferred
|
Not Covered*** –
Preferred Price card included
|
|
Sample Rate*****
Husband/wife, age 35, two children Saint
Peters, M0 63376
|
$1,500 Ded
$377.98
|
$2,000 Ded
$214.04
|
If you have questions about
our plans, please
Contact Us. |
|
|
