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Golden Rule Insurance Company Dental Insurance Review


ConsumersAdvocate.org Rating: 4.2 / 5 (Excellent)
10 Customer Comments & Reviews - see all comments
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UnitedHealthcare, Golden Rule Insurance Company - Overview

UnitedHealthcare is a large multi-line health insurer that provides health, dental, vision, Medicare Advantage and supplemental coverage to over 115,000,000 people. Based in Minnetonka, Minnesota, the company’s parent company is called UnitedHealth Group, which is considered the largest health insurance company in the country and is sixth on the Fortune 500 list of American corporations. UnitedHealthCare offers both standalone and bundled dental plans that includes zero-deductible coverage for preventive care through its underwriter, Golden Rule Insurance Company, which is also a UnitedHealth Group company. 

QUALIFICATION

The company’s website, UHOne.com, offers immediate quotes for their dental plans and the opportunity to apply for a plan entirely online. Prospective customers provide some quick information that will help determine relevant plans and the website will then generate a list of coverage options displayed in comparative format with premium prices and deductibles.

PLANS

UnitedHealthcare, Golden Rule Insurance Company offers a number of dental plans for people of different ages at different premium and deductible levels. While most of the company’s dental plans cover in-network providers only, it also offers some premium plans that cover non-network providers as well. The company’s plans are, to some extent tailored by age, with plans for older people that specifically cover dentures and plans for children that specifically cover orthodontia.  

Golden Rule Dental Primary Preferred

Quotations for this plan are based on an application of a 35-year-old woman from Fort Lauderdale who uses tobacco. The plan is in the middle of the range of Golden Rule offers.

PLAN DETAILS

Preventative Care

In Network – you only pay copay

Out-of-Network – as billed by provider

Basic Care

In Network – copay after deductible

Out-of-Network – as billed by provider

Basic Services Deductible (Yearly)

You pay $50 per person on the plan

Annual Maximum

The plan will pay up to $1,000 per person

 

COVERAGE

PREVENTATIVE CARE

 

Routine Examinations

✓

Cleanings

✓

X Rays

✓

Fluoride

✓

Sealants

✓

BASIC SERVICES

 

Extractions

✓

Fillings

✓

Space Maintainers

✓

Oral Surgery

✓

Prefab Crowns

✓

MAJOR SERVICES

 

Periodontics

✓

Endodontics

 

Crowns

✓

Implants

✓

Bridgework

✓

Dentures

✓

Inlays

✓

 

Golden Rule - Summary

Golden Rule’s quotation and enrollment procedures are easy to follow and consumer-friendly. The company also does a nice job of presenting consumers with multiple options and in a way that is easy to understand. Its pricing is competitive within the dental insurance industry. Consumers can save additional money by bundling dental coverage together with vision coverage. The company is a sound choice for individuals in the dental insurance market.

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10 Customer Comments & Reviews

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J
James B
6/9/2023
United Health Care, which is underwritten by Golden Rule, has been cancelling dental insurance plans without notice. As a 4 year customer, I was surprised to find out that I not longer had insurance with them and they would not reinstate the policy. Apparently, they put the incorrect credit card info in their system and when they could not get the payment approved, they cancelled the policy. The online agent said they had sent a notice but we never received it and no one at United could reference the type of notice (i.e. email, letter, etc.) or date.

Joe B
3/15/2023
Went to the dentist for a xamination because of a aching tooth. Saw in the claim section the amount submitted for $372 of which your company paid $50. This is dental coverage! GIVE ME A BREAK. I've been using your services for several years, and the cost has not changed. Remember under the current leadership in Washington, we are in a inflationary situation and pricing that you have used five years ago or longer present a severe hardship on the senior members of society. society. SHAME ON YOU. Considering going to the Arkansas Department insurance for this obvious FRAUD.

kboyd1362
10/25/2022
DO NOT GET DENTAL INSURANCE THROUGH UHC!!!! I have 3 different patients and all 3 got denied their claims for major services. ALL 3 had benefits for what they received and one way or another UHC denied them all. Now one of my patient's has her daughter who is an attorney involved that's how shady this company is. They do not care about you!!! They just want their premiums and then not pay for anything!!!!

sfodell
1/6/2022
UHC Dental, under their Medicare Advantage, is horrible! The website gives incorrect information on ALL claims, those they deny and those they pay. Be prepared to wait for 25 minutes or more after being transferred at least four times! I think they want you to hang up on them as they put you on hold and transfer to overseas! I will switch companies soon.

ghmam90
9/20/2021
Dear CEO , United Health Care/ Golden Rule I had a dental plan with United Health Care for more than 5 years. However, United Healthcare transfered my plan to golden rule at higher premium. Recently I went the dental doctor under the network of Golden Rule. The provider informed me that they did not accept Golden Rule Insurance from 2019. I informed the same to the customer service of Golden Rule and the lady of customer service emailed me the list of dental doctors under Golden Rule net work near my area. I called all the providers indicated in the above emailed and everybody told that they did not accept Golden Rule Insurance any more. Today, I called Customer Service of Golden... Read More

M
Moumita G
9/20/2021
Dear CEO , United Health Care/ Golden Rule I had a dental plan with United Health Care for more than 5 years. However, United Healthcare transfered my plan to golden rule at higher premium. Recently I went the dental doctor under the network of Golden Rule. The provider informed me that they did not accept Golden Rule Insurance from 2019. I informed the same to the customer service of Golden Rule and the lady of customer service emailed me the list of dental doctors under Golden Rule net work near my area. I called all the providers indicated in the above emailed and everybody told that they did not accept Golden Rule Insurance any more. Today, I called Customer Service of Golden... Read More

M
Moumita G
9/20/2021
Dear CEO , United Health Care/ Golden Rule I had a dental plan with United Health Care for more than 5 years. However, United Healthcare transfered my plan to golden rule at higher premium. Recently I went the dental doctor under the network of Golden Rule. The provider informed me that they did not accept Golden Rule Insurance from 2019. I informed the same to the customer service of Golden Rule and the lady of customer service emailed me the list of dental doctors under Golden Rule net work near my area. I called all the providers indicated in the above emailed and everybody told that they did not accept Golden Rule Insurance any more. Today, I called Customer Service of Golden... Read More

K
Kristine
4/23/2019
I am trying to get a claim paid on a crown that I sent intra oral pictures and Xrays and narrative on, as the tooth is clearly cracked on photo's and large amalgam broken out of it so deep it required a build up to stabilize and they refuse to pay. It has been turned into Texas to file complaint. They say it may take up to 6 months to get an answer. Ridiculous out of 27 years experience, this is the first fight with all evidence showing a need.

Michael T
9/16/2018
TYPICAL low life scum. They deny most coverage with all kinds of excuses, over and over, until you give up. Only once in a while do they let some ones treatment get covered by them, because they have to let at least a small amount of their customers to give good reviews, but the rest they kick to the way side, because it saves them money.

S
Sharon
7/2/2018
I currently work for a dental office and have nothing but trouble attempting to get any pre-determinations approved or large claims paid by UHC. Our patients have tried calling, I have emailed, faxed, mailed and sent electronically. They constantly "don't have anything on file" for anything over $300. I have filed complaints with the Ohio Insurance Commissioner. I would expect to start on the social media bashing of their denial tactics to save money! I have worked in the dental field for 22 years and this is by far the worst dental insurance ever.

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