United Healthcare Insurance of Colorado
Why Golden Rule?
United Healthcare, underwritten by Golden Rule, is very popular for money saving higher deductible plans. Golden Rule has been dedicated to the individual health market since 1946. Serving individuals and families is their primary focus. Golden Rule develops health plans that strive to make health coverage more affordable for more Coloradoans. A recognized pioneer, and one of the nation's leading providers of Health Savings Account Plans, Golden Rule continues to seek new ways to build plans with the benefits you need... at prices you can afford.
Golden Rule recognizes the importance of being responsive to the service needs of their customers. That's why more than 94 percent of all health insurance claims are processed within 10 working days or less. A United Healthcare Company, Golden Rule offers plans with access to quality providers and facilities, with network discounts and savings.
Golden Rule has an A.M. Best rating of "A" (Excellent).
To find out more about the plans Golden Rule offers, get quotes, or apply online; use our instant quote engine and click "apply" next to the plan you like best.
Optional Benefits
$5 Million Lifetime Maximum Benefit
You can upgrade your health insurance coverage with United Healthcare in Colorado to $5,000,000 of covered expenses per person.
Prescription Drug Benefit Buy-Up
This option is only available with Copay Select™. It eliminates the $3,000 annual limit.
Maternity Benefit
This option is only available with High Deductible and Copay Plans. The pregnancy benefit helps cover the costs for routine pregnancy and delivery. You pay 20%, United Healthcare pays 80%. After 5 years, the maximum covered amount is $7,500.
Maternity Benefit for Colorado
| Years |
Annual Benefit Limitation |
1 & 2 |
$2,500 |
3 & 4 |
$5,000 |
5+ |
$7,500 |
Federation of American Consumers and Travelers (FACT)
FACT is actually a very good deal for the money. Most people just have a problem with the fact that it is a required "add-on". Our contacts at United Healthcare have promised us that it won't be around much longer. :)
In Colorado, United HealthCare insurance policies are available only to members of the Federation of American Consumers and Travelers (FACT), an independent consumer organization. If you are not already a member of FACT, you must join in order to be eligible for these plans. Through a special agreement between FACT and United HealthCare, you can enroll in the association on this web site. You will fill out the FACT enrollment form prior to making application to United HealthCare for health insurance. For more information on the benefits of FACT membership, visit http://usafact.org/. Estimated Monthly Premiums shown on the Insurance Shoppers website do not include the mandatory $3 per month dues for FACT membership.
