United Healthcare Insurance

We offer United Healthcare insurance (Golden Rule) direct to consumer using our confidential online portals.  You can compare all available health insurance quotes and coverage options instantly and enroll direct at no additional charge.

hsa-united-healthcareView UHC Quotes Here »

By clicking on the logo to the right, you can access privacy protected online software and immediately compare United Healthcare health insurance offerings.  Available coverage options include individual and family health insurance, dental and vision plans, and short term insurance.

Golden Rule Health Insurance Supplemental Benefits

United Healthcare (through their subsidiary Golden Rule) also offers several extra riders and supplemental benefits to choose from. Features can be added or subtracted on the application or in order to maintain affordable premiums now and in the future.

Available health insurance riders include:

United Healthcare Insurance Vanishing Deductible

United Healthcare offers several unique features that are very popular with their health insurance plans.  There a four initial rating classes to choose from.  Preferred rates are for non-tobacco users and Standard rates are for those using any form of tobacco during the last 12 months.

Preferred I rates are available for those who have credible coverage – meaning they have had qualifying health insurance coverage within the last 63 days.  If you have been without insurance for more than 63 days, then Preferred II rates will only be available.  This is another advantage of keeping continuous coverage.

United Healthcare insurance plans also offer a vanishing deductible feature.  If the chosen deductible amount has not been reached each year, then it will automatically decrease for that individual or family member.  In some cases, it can decrease by as much as half.  If you are comfortable choosing a higher deductible to keep your rates lower, then the vanishing deductible can be financially advantageous over time.

UHC Critical Illness, Accident and Injury Insurance

Additionally, United Healthcare offers accident and illness coverage on a stand alone basis. There are several plans to choose from with each type of plan and premiums will vary depending on the amount of insurance selected.

hsa-united-healthcareView Accident, Injury and Critical Illness Quotes »

As you would expect, preexisting injuries and illnesses are not covered under any plan. Individual benefits can be purchased that would cover or payout a maximum of $50,000 per incident and/or illness however.

Typically accident plans are purchased for young families with active children while critical illness insurance might be for someone who is older with a history of illness in the family.

Neither of these plans are necessarily a substitute for a short or long term disability insurance plan; rather they fill a gap for those who wish to protect against future unknowns.

Individual and Family Health Insurance Quotes

We provide our online United Healthcare insurance portal free of charge for those who simply wish to compare plans and/or enroll online and direct without agent assistance.  If you would like to speak with a health insurance broker, please feel free to call the toll-free number listed on the top right of this page.

Speaking with an agent or using an agent’s assistance for enrollment purposes will not add any additional cost to your plan.  Golden Rule health insurance rates are the same regardless of your enrollment method.  The cost will be the exact same whether you purchase insurance directly from the carrier using our link above or if you request agent assistance.

Contact Us today if you have any questions or if you would prefer to speak with an agent about your needs first.

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