Golden Rule of Arizona (AZ) Health Insurance

Golden Rule of Arizona (AZ) Health Insurance

Golden Rule of Arizona (AZ) health insurance has a personal health plan that fits your unique situation. Why not let Anderson Insurance Services help you determine which plan is right for your individual needs and budget? Whether you are looking for a high-deductible, low premium policy or a policy with lower out-of-pocket exposure, Golden Rule of Arizona has the plan for you.  Looking for dental health insurance? Golden Rule has got that too.

Click to APPLY NOW with Golden Rule of Arizona

Click to APPLY for Dental Insurance

Many people are confused about whether Golden Rule of Arizona is the same as a United HealthCare plan. The answer is yes. Golden Rule is the name used by United HealthCare to market their individual healthcare plans in Arizona. If you start to see both names being used interchangeably, don’t let this confuse you. In the state of Arizona, these two companies are the same.

Health Insurance Options from Golden Rule

Individuals seeking a health insurance plan have several options these days, but determining which plan to buy can be complicated. With Golden Rule of Arizona and Anderson Insurance Services, you have the flexibility to choose the type of insurance you need at the most competitive price.

Golden Rule/United HealthCare of Arizona offers high-deductible health plans, self-employed insurance, health savings accounts and other optional benefits.

• The Copay Select plan is the most popular one offered by United HealthCare in their Golden Rule of Arizona plans. It features a higher premium with lower out-of-pocket costs, and deductibles ranging from $500 to $10,000 per year. In addition to the deductible, enrollees can choose a maximum out-of-pocket coinsurance option of $0, $3,000 or $5,000. Coinsurance is a form of cost sharing that is paid after the deductible is met. The plan comes with a prescription card the covers both generic and brand-name drugs.

• The Copay Saver plan is the lowest priced copay plan for Golden Rule of Arizona enrollees. It features lower monthly premiums and deductibles that range from $1,500 to $10,000. The coinsurance maximum is $6,000 (in-network, after deductible, per person). Generic drugs are covered with a copay of $15 but there is no coverage for brand name medications.

In addition to these two copay plans, Golden Rule of Arizona health insurance offers two popular HSA (Health Savings Account) plans.

• The HSA100 is their most comprehensive, with deductibles that range from $1,250 to $5,000 for individuals and $2,500 to $10,000 for families, with $0 coinsurance. Members get a “preferred price” for all prescription drugs, but any drug they choose is no charge after the deductible has been met. Preventive care is provided at 100% with no deductible.

• A similar plan, the HSA70 has the same benefits as the HSA100, but it is less expensive and requires a 30% coinsurance payment.

Golden Rule of Arizona health insurance also offers several High Deductible Health Plans (HDHP) that help people save on premiums while taking responsibility for covering minor routine expenses as they come up.

Click to APPLY NOW with Golden Rule of Arizona

Dental Insurance Health Plans

Need dental health insurance? Golden Rule can help make your smile healthy and happy. From dental cleanings to root canals, it can be difficult to predict how much money you're going to spend for your dental care. Golden Rule individual and family dental insurance plans can provide you with the coverage you need to help promote good dental health.  Plans include:

• Preventive care is covered at 100% with NO deductible or waiting period.

• Access to an extensive dental network that today has over 125,000 dentists.

• Basic and Major Services have only a $50 calendar-year deductible per covered person, plus it is capped at 3 individuals per family - so if you have a family of 4, 5, 6 or even more, you're only responsible for paying $150 in deductibles for the whole family!

• The plan pays 80% for Basic Services like cavity fillings and tooth extractions after the initial waiting period is exhausted and the deductible is met.

• The plan pays 50% on Major Services like root canals and bridges after the initial waiting period is exhausted and the deductible is met.

Click to APPLY for Golden Rule Dental Insurance

If you are interested in United HealthCare's Golden Rule of Arizona (AZ) health insurance, we can provide you with a quote, walk you through the details of the plan, and help you with the application process. Just click on the links below to apply online or request a free quote today.