Founded in 1940 by Michael Andrew and Mary Rooney, a husband and wife team in Lawrenceville, Illinois, Golden Rule Insurance Company provides health plans, life insurance, and annuities for individuals and families. What began as a small company operating out of the basement of the Andrew home grew to 32 employees in 1959 and by 1970, expanded to to 150 employees in two offices.

During the early 1980s, Golden Rule experienced major growth. In 1985 the company received an "A" (Excellent) rating by A.M. Best, the country's leading evaluator of insurance companies. Throughout the 1990s, Golden Rule continued to grow and create new and innovative products for its customers. For eight consecutive years, it has been ranked as one of 50 Life-Health top performing companies by Wood Group. Consistently dedicated to creating new products for its customers, Golden Rule's provider network covers 28 states today. Golden Rule, a United HealthCare Company insurance provider, currently maintains two offices in Lawrenceville and Indianapolis, Indiana.

Golden Rule Plans

Golden Rule offers a variety of plans to suit various backgrounds and budgets such as:

• Health Savings Accounts (HSA) - These plans combine lower cost high deductible plans with network discounts and tax advantaged savings accounts. HSA Plans are great for families interested in one annual deductible and savings on monthly premiums. Benefits include: inpatient and outpatient coverage, coverage for routine exams, dental and vision discounts, outpatient prescription drugs, childhood immunizations, and adult preventive care.
  
  
• Copay Plans - These plans are for families and individuals interested in copay benefits for routine health care expenses. Copay Plans offer a variety of deductible choices ranging from $500 to $2,500; 80 percent coverage for inpatient and outpatient services after deductible; small copay for routine exams and outpatient drugs; and a variety of optional benefits for maternity and preventative care. Copay plans also offer dental and vision discounts.
  
  
• High Deductible Plans - These plans offer lower premiums to individuals and families willing to pay a higher percentage of routine health care expenses. High deductible plans also offer lower cost protection from unexpected illness and accidents. There are two popular Golden Rule High Deductible Plans:
  
  
  • Saver 80 - The lowest premium plan, covering costly outpatient expenses such as MRIs and CAT Scans, hospital stays, as well as inpatient and outpatient surgical procedures.
    
    
  • Plan 100 - A Golden Rule top seller, offering 100 percent of covered expenses once the calendar year deductible is met; there are no copays or coinsurance.