HomeCoverDoes Golden Rule Insurance Cover Mental Health

Does Golden Rule Insurance Cover Mental Health

Best For Kids: Everest Reinsurance Company

Health Insurance Protection | Golden Rule Insurance Company

Everest Reinsurance Company

Why We Chose It: Many insurers do not offer stand-alone STM healthcare insurance for children. We chose Everest for its overall lowest-cost plans for wide-ranging coverage for kids aged 2 to 18 years. Plus, Everest has an excellent track record and an A+financial strength rating from AM Best.

  • $50 co-pay for both primary care and specialists

  • Mental health services

  • No online registration must call or email

  • 5-day waiting period for illness, 30 days for cancer

  • Does not cover pre-existing conditions or preventive care

Sometimes situations arise where your child loses coverage or experiences a gap in healthcare insurance. Many families do not qualify while some kids are eligible for low-cost health insurance, based on family income, through CHIP, the Federal/State sponsored Childrens Health Insurance Program.

Everest is a good option if you want temporary coverage for your child that includes many services at a price that will not bankrupt you with high deductibles.

Everest offers plans with a $2,500 deductible and $50 copays for doctor visits . The plans we researched ranged in price from about $57 to $172 dollars per month. The coinsurance is 20%, and the out-of-pocket limit is $7,500. Theres no application fee, but there is a waiting period of 5 days.

Can Insurance Deny Coverage For Pre

Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer. They cannot limit benefits for that condition either. Once you have insurance, they cant refuse to cover treatment for your pre-existing condition.

Determine How Long Your Gap In Coverage Will Be

Some STM providers have limits on how long their short term plans can cover you.

Before investigating short-term health plans, you should determine how long you will require short-term plans to the best of your ability.

If you are changing jobs, how long do you expect to be between plans? If you are moving to a different state, how long before you can find a permanent policy in your new home?

Of people uninsured, 8.5% stated that theyve applied but the plan hasnt started yet. In this case, a short-term health insurance is helpful

Keep in mind that short term plans are not meant to be a permanent substitute for regular health insurance. It does not always conform to national standards and regulations. You should only sign up for short term plans for the minimum period necessary.

Keep in mind that many short term plans will not provide certain benefits until a minimum waiting period has been reached. If you have pre-existing conditions and will only be using short term plans for a few months, many insurers may not cover your condition.

Read Also: How Much Is Private Health Insurance In New York

What States Allow Short

Most states allow short-term health insurance.

States that forbid the sale of short-term plans include California, Hawaii, Massachusetts, New Jersey and New York. Other states allow plans, but for a limited time, such as six months.

Some states allow temporary health insurance plans, but no companies offer short-term plans in those states.

Testing And Health Insurance

Golden Rule Insurance Company Service Number Dial @ 1800 ...

Does my health insurance cover testing?

Governor Abbott and the Texas Department of Insurance have asked health insurers to waive certain costs and requirements relating to testing and treatment for COVID-19.

The following health insurers and Health Maintenance Organizations are currently waiving cost-sharing for medically necessary testing of COVID-19. Visit their websites for more information.

* Waived copays for COVID-19 testing may only be for in-network care. If your doctor wants you to be tested, you can use your health plan directory to find hospitals and labs in your area that are part of your health plans network.

How do I know if these protections apply to my health plan?

These waived costs apply to you if you are covered by a state regulated insurance plan. If you have a state regulated health plan, your insurance ID card will display TDI for Texas Department of Insurance or DOI for Department of Insurance.

The Employees Retirement System of Texas , the Teacher Retirement System of Texas , The Texas A& M University System, and The University of Texas System have also been asked to provide the same benefits to employees and retirees covered by their PPO and HMO plans.

* To learn more about health insurance, visit The Basics, Shopping Guide, and Using Your Insurance sections of our website.

What does Medicare cover?

To learn more about Medicare and COVID-19, visit their website.

Can someone without insurance get tested?

Recommended Reading: How Much Do You Pay For Health Insurance

History Of Golden Rule Insurance

The organization was established in 1940, and in 1976, J. Patrick Rooney became the CEO. During the 1980s, he moved the organization from Lawrenceville, Illinois to Indianapolis. However, he resigned from the organization in 1996. In 1981, the organization sued the Educational Testing Service and the Illinois Department of Insurance, asserting that the ETS assessment for Illinois insurance specialists victimized individuals from minority communities. Furthermore, in August 1991, the organization reported that it would pay half of the educational cost for 500 low-income youngsters in Indianapolis, and the organization was then bought by UnitedHealth Group in 2003.

What Kinds Of Therapy Does United Not Cover

Like most insurances, it is not typical for United to cover services unrelated to a diagnosable mental health condition, such as:

  • Couples counseling – Couples counseling is typically not covered by insurance, because relationship issues, while a significant source of stress, are not considered a diagnosable mental health condition.
  • Life coaching – Life coaching is not covered by insurance because it focuses on achieving personal goals, rather than treating a diagnosable mental health condition.
  • Career coaching – Career coaching is not covered by insurance because it focuses on achieving professional goals, rather than treating a diagnosable mental health condition.

United is also unlikely to cover therapy sessions occurring outside the therapy office, because of the greater potential for risk involved.

While clients may sometimes benefit from services rendered outside of the therapy office, such as a client with an eating disorder needing support in the grocery store, or a client with a phobia of driving needing support in the car, these services are not likely to be covered by insurance and must be paid for out-of-pocket.

Recommended Reading: How To Get Health Insurance For My Small Business

Who Qualifies For Short Term Health Insurance

Anyone can apply for STM, and most applicants will be accepted. Insurance carriers have a high incentive to sell short term policies, because their terms and conditions greatly limit their risk compared to other market requirements.

In some cases, your application might be rejected because of your current health status.

Pivot Healthbest Telemedicine And Online Support

What is a Copay?

Key Features:

  • Covers Pre-Existing Concerns: Excluded.
  • Other Restrictions: Extreme sports injuries, immunizations, routine physicals

Pivot Health has the best online tools, among all of the health plan providers that we reviewed, to help diagnose your health. Their easy-to-use systems and questionnaires make a big difference while searching for short term medical care.

They work with any providers or companies to be sure that you will get the care you need from the doctors you know and respect in your state.

They offer great discounts on prescriptions, as well as eye exams and glasses or contacts.

However, they have waiting periods of up to five days for many common illnesses. For cancer, the waiting period can be up to 30 days. Some specific illnesses have waiting periods of up to one year.

Pivot also offers insurance for reproductive health and mental health services.

Their premiums and copays are generally very competitive with other companies.

Read Also: How Much Health Insurance Do You Need

How Are The Benefits Paid

Youre familiar with your major medical insurance plan, which pays for all or a percentage of covered expenses after you meet certain deductibles, copays or out-of-pocket costs. And often, the payments the insurance company makes for you are made directly to health care providers. You see them later on in an explanation of benefits form.

Indemnity insurance payment works differently. It pays a certain predetermined amount for health care expenses specified in the plan. There are no deductibles to meet. Once a claim for a qualified expense is submitted, the amount the plan specifies for that service is paid. The money is fixed and is paid regardless of benefits that may be paid from other insurance.

Steps in Using Indemnity Insurance

  • Qualified Medical Expense Performed
  • Triterm Medical Insurancef51 Could Help You Stay Covered Longer

    TriTerm Medical Insurance is a short-term health insurance plan designed to last for nearly 3 years,F51 with preventive, doctor office visit, Rx coverage and more. TriTerm is available in select states.

    • Preexisting conditions covered after 1st term
    • Preventive care/Rx drugs covered on most plans
    • Copay plans available

    You May Like: How To Get Your Parents On Your Health Insurance

    Does Golden Rule Cover Addiction Rehabilitation

    Rehabilitation is not an easy process, it takes hard work, dedication, and some financial support.

    The financial cost of rehab should never scare you away from treatment. After all, remaining addicted to drugs and alcohol will cost you much more in the end.

    Fortunately, Golden Rule is among one of the top insurance companies in the United States that recognizes the pressing need for drug and alcohol addiction treatment coverage, as well as mental health care.

    Restore Health and Wellness can work with Golden Rule for you to get the treatment you need at a reasonable cost. Recovering from addiction is a stressful task, do not let financial strain add to it.

    Read This Article To Find Out What Golden Rule Insurance Is

    Can Health Insurance Cover Therapy?

    With the consistent changes in healthcare, you need a well-known organization that can educate you regarding all your alternatives when you are hoping to purchase health insurance. UnitedHealthOne has been in the health insurance business for more than 65 years. It is a forerunner in U.S. health insurance organizations and is the biggest healthcare insurance company in the United States. In addition to this, it is the brand name of the parent organization, UnitedHealthcare. Their health insurance items are composed through Golden Rule Insurance Company.

    Golden Rule Insurance Company was a supplier of health insurance situated in Indianapolis and working almost in 40 U.S. states and the District of Columbia. It was bought by UnitedHealth Group in November 2003. Furthermore, it was firmly engaged with the foundation of health savings accounts and the associated tax incentives. The organization financed a huge number of dollars to unmistakable individuals from the Republican Party like Newt Gingrich to help HSAs and to battle more extensive change. Participation in the Federation of American Consumers and Travelers was needed to purchase certain insurance items. The organization was named after the Golden Rule.

  • 16 Conclusion
  • Recommended Reading: What Type Of Insurance Is Health Partners

    Verifying Golden Rule Insurance Rehab Coverage Details

    At Beachway, we provide world-class drug and alcohol rehabilitation in a pristine setting, but we know that many of our patients rely on insurance to pay for at least a portion of their stay. For this reason, we will help you figure out how much coverage you have and verify your approval to get the process started in earnest.

    There is no questioning the effectiveness of professional substance abuse treatment for people addicted to drugs and alcohol. It is a proven system, and it has a high level of success. In many cases, the issue is payment, which is why we help navigate the details of your Golden Rule policy to help determine how much coverage you have. We can verify your approval so you can get the recovery process started right away.

    The Delaware Mlr Adjustment Application

    The Delaware Department of Insurance requested an adjustment of the 80 percent MLR standard for its individual market to 65 percent for 2011, 70 percent for 2012 and 75 percent for 2013.

    After a careful examination of the information provided and consideration of the criteria set forth in the statute and regulation, it was determined that Delawares individual market is not reasonably likely to become destabilized based upon the application of the 80 percent MLR standard. Consequently, we have determined not to adjust the MLR standard in the Delaware individual market and ensure that consumers receive the full benefit of the MLR provision of the Affordable Care Act.

    None of the three partially credible issuers subject to the MLR provisions has provided notice of withdrawal from the Delaware individual market. The largest of these three, Delaware Blue Cross Blue Shield, would not owe rebates because it had an MLR of 88 percent, and has not expressed an interest in the DDIs request for an adjustment to the MLR standard. The other two issuers, Golden Rule and Aetna, would be expected to owe rebates assuming they do not adjust their business models but both of these issuers generated profits in the Delaware individual market and would be unlikely to exit the market or be substantially affected if they were required to pay rebates.

    For these reasons, HHS has determined that no adjustment to the MLR standard in Delaware is necessary.

    Don’t Miss: How Much Do Health Insurance Agents Make

    Does Golden Rule Cover Addiction Treatment

    In facilities that accept golden insurance, most Golden Rule plans offer alcohol and drug rehab programs coverage because UnitedHealthcare is such a large insurance company. Typically, the Mental Health Parity and Addiction Equity Act of 2008 changed the way people cover the cost of addiction treatment. This law dictates that insurance companies cover mental health and addiction services in a similar manner they would cover other medical conditions.

    Your coverage details will depend on your specific Golden Rule plan. To fully understand your benefits and who accepts golden insurance, it would be best to contact a Golden Rule representative.

    Short Term Supplemental Accident Benefit

    How Health ProtectorGuard Fixed Indemnity Works

    Considering a Short Term Health Insurance plan but want the extra security of accident insurance, too? For an additional premium, you can add an optional supplemental accident benefit to a Short Term medical plan, underwritten by Golden Rule Insurance Company.6

    You May Like: How To Add Dependent To Health Insurance

    Some Features Of Golden Rule Short

    Clients buying a Golden Rule short-term plan can browse from one to 11 months of inclusion in many states, and deductibles range from $500 to $10,000. Other features of the Golden Rule short term plan include:

    • Flexibility to drop coverage whenever you want to without any penalty
    • Quick, easy online application at www.goldenrule.com consumers usually hear back within 48 hours
    • Provider discounts on medical care of up to 50% even before the deductibles are met. Consumers have access to UnitedHealthcares network of more than 650,000 physicians and health care professionals and 5,000 hospitals across the country
    • Ability to apply for continuous short term coverage after the original short term plan expires in most states
    • Choice of payment options, including direct monthly billing

    Furthermore, Golden Rule has been the main supplier of health insurance for people and families for over 60 years and was turned into a UnitedHealthcare organization in 2003. UnitedHealthcares own health plans are offered in 38 states and the District of Columbia and advertised under the UnitedHealthOne brand.

    Health Insurance Made Simple

    Find health insurance, help for out-of-pocket medical costs, dental insurance and more.

    Underwritten by Golden Rule Insurance Company

    Starting at

    Underwritten by Golden Rule Insurance Company

    Starting at

    Underwritten by Golden Rule Insurance Company

    Starting at

    Underwritten by Golden Rule Insurance Company

    Starting at

    Underwritten by Golden Rule Insurance Company

    Starting at

    Underwritten by Golden Rule Insurance Company

    Starting at

    Underwritten by Golden Rule Insurance Company

    Starting at

    Underwritten by Golden Rule Insurance Company

    Starting at

    Underwritten by Golden Rule Insurance Company

    Starting at

    Underwritten by Golden Rule Insurance Company

    Starting at

    Underwritten by Oxford Health Insurance, Inc.

    Special Enrollment Open February 15-August 15

    Affordable Care Act plans cover preexisting conditions along with a list of essential health benefits. During an ACA Open Enrollment period, you’re eligible to sign up for any plans available where you live.

    New Jersey Affordable Care Act Health Plans, call 1-800-273-8115.

    Also Check: How Much Does Private Health Insurance Cost In California

    Unitedhealthcares Golden Rule Insurance Company Offers Critical Illness Coverage To Give Individuals And Families Added Financial Protection

    UnitedHealthcares Golden Rule Insurance Company Offers Critical Illness Coverage To Give Individuals and Families Added Financial Protection

    UnitedHealthcares Golden Rule Insurance Company has introduced a critical illness insurance plan for individuals and families that provides cash payments to plan participants who are diagnosed with serious illnesses or conditions. The cash benefit can be used to cover living expenses, out-of-pocket medical costs and more.

    People enrolled in the critical illness insurance plan can receive a lump-sum benefit payout if they are diagnosed with a specified illness or condition, such as cancer, heart attack, stroke or paralysis. Consumers can choose their coverage amount, available in $10,000 increments up to $50,000.

    Our new critical illness plans can provide financial protection as a supplement to health insurance or to help take care of daily living expenses if family income drops as a result a serious illness or injury, said Golden Rule CEO Richard A. Collins.

    Someone in America has a stroke every 40 seconds, and more than 1.6 million Americans are expected to be diagnosed with cancer this year, according to recent statistics from the American Heart Association and the American Cancer Society.

    For more information, consumers can call 1-800-444-8990, visit www.goldenrule.com or contact a local independent insurance broker who offers UnitedHealthOne health, dental and specialty plans.

    Benefits Of Having A Fixed Indemnity Plan

    The Golden Rule &  Health Care

    Probably the best component of fixed indemnity insurance is that it can assist with numerous normal clinical costs you or a friend or family member may bring about. Regardless of whether its a fast visit to the specialist or pressing consideration, an unforeseen lab cost, or an unexpected outing to get an X-ray, plans are intended to assist with the sorts of health care costs numerous individuals face every year. Two or three examples can represent the advantages of adding a fixed indemnity plan to your insurance inclusion.

    A visit to a doctor

    You have a Health ProtectorGuard Choice Plus fixed indemnity plan, notwithstanding your health insurance plan. At some point, you choose to go to your PCP trying to ignore a sore throat and headache that just will not disappear. Your Choice Plus advantage for a specialists office visit is $100 per visit. You would be paid $100 for one visit in the wake of presenting this cost. After checking your throat and neck, your PCP advises you to get tested for strep throat. She swabs your throat and sends the swab to a lab for testing. The result is positive and you have strep.

    A trip to the ER

    Health care costs vary, fixed indemnity insurance benefits dont

    Also Check: Do You Have To Have Health Insurance In Florida

    Popular Articles

    explore more