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.
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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
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$2,500, $3,500**, $5,000
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$500, $1,000, $1,500, $2,500,
$3,500**, $5,000
|
|
Coinsurance (per covered person, per
calendar year)
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100%****
|
80/20 to $15,000 then 100%****
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80/20 to $15,000 then 100%****
|
|
Doctor office visit fees
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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
|
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Copay Select – benefit-rich with unlimited $25 doctor office copays
Copay Saver - our most affordable copay plan
