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Golden Rule United Healthcare Health Insurance Company Of Illinois

Golden Rule Insurance Company of Illinois is part of the very highly respected United Health Group/the United Healthcare family of businesses. United Healthcare currently has approximately 70 million members nationwide and is a very strong and financially sound health insurance company. Golden Rule Insurance Company is rated an “A” (Excellent) by A.M. Best (A.M. Best is an independent analyst of insurance companies and the ratings signify the financial strength and stability of the insurance company).

Golden Rule Insurance Company of IL has provided individual health insurance plans for over 60 years. Many consider Golden Rule of Illinois to be the pioneers of the popular Health Savings Account (HSA) plans. (To learn more about the tax benefits and money saving advantages of HSA’s read Illinois Health Savings Accounts).

Golden Rule has a very strong individual health insurance product portfolio that can meet the needs of individuals, families, and the self employed who are residents of Illinois. Golden Rule has 3 main types of individual health insurance plans available in the state of Illinois: the HSA 100 (and the cheaper version of the HSA 100 – the HSA Saver), the Plan 100 (and the cheaper versions of the Plan 100 – the Plan 80 and the Saver 80), the Copay Select (and the cheaper version of the Copay Select – the Copay Saver). Here are some of the relevant details for the Illinois Golden Rule United Healthcare plans:

Golden Rule United Healthcare of Illinois HSA 100

The HSA 100 offers either $3 million or $5 million of lifetime coverage per covered person with individual deductibles ranging from $1,100 to $5,000 (for the year 2007). With the HSA 100 almost all expenses including office visits, hospitalization, prescriptions, lab/X-ray fees, and preventative care are covered at 100% after the plan deductible is met for the calendar year. This means that the maximum out of pocket cost for any calendar year is equal to the plan deductible (no coinsurance). (The HSA Saver is a cheaper version of the HSA 100 and covers many of the same things but does not offer quite as much of a comprehensive benefit – most notably there is no prescription drug coverage or Doctor’s office visit coverage available with the HSA Saver as there is with the HSA 100).

Golden Rule United Healthcare of Illinois Plan 100

The Plan 100 offers either $3 million or $5 million of lifetime coverage per covered person with individual deductibles ranging from $1,500 to $5,000 (for the year 2007). The Plan 100 is almost exactly like the insurance portion of the HSA 100 in that almost all expenses including office visits, hospitalization, prescriptions, lab/X-ray fees, and preventative care are covered at 100% after the plan deductible is met for the calendar year.

The main difference between the Plan 100 and the HSA 100 is that, as the name implies, the Plan 100 does not come with the Health Savings Account to save for medical expenses (and receive the corresponding tax breaks) while the HSA 100 does. Just like the HSA 100 the Plan 100’s maximum out of pocket cost for any calendar year is equal to the plan deductible (no coinsurance). (The Plan 80 is the cheaper version of the Plan 100 in that it covers basically the same things but the maximum out of pocket is higher due to the addition of 80/20 coinsurance that has to be paid up to certain limits after the plan deductible is met. The Saver 80 is a still cheaper version of the Plan 80 in that not only is there 80/20 coinsurance but there are certain benefits that are not offered with the Saver 80 like prescription coverage and Doctor’s office visits but are offered with the Plan 80 and Plan 100).

Golden Rule United Healthcare of Illinois Copay Select

The Copay Select offers either $3 million or $5 million of lifetime coverage per covered person with individual deductibles ranging from $500 to $5,000 (for the year 2007). The Copay Select has the same comprehensive coverage as the HSA 100 and the Plan 100 in that it covers expenses including office visits, hospitalization, prescriptions, lab/X-ray fees, and preventative care.

The main difference of the Copay Select is that there is an 80/20 coinsurance feature that is required to be paid for any expenses after the deductible is met for the calendar year. The real selling point for the Copay Select is that it has Doctor’s office visit copays, prescription drug copays, and preventative benefits included without having to meet a plan deductible. (The Copay Saver is a cheaper version of the Copay Select in that it does not provide for all of the comprehensive benefits of the Copay Select in the areas of prescriptions, doctor’s office visits copays, and other areas).

Golden Rule United Healthcare of Illinois may be a great option for you to consider in choosing a comprehensive and affordable Illinois health insurance plan. Take a few moments and use our free Illinois health quote finder to compare plans from Golden Rule United Healthcare, Humana, Blue Cross and Blue Shield of IL, Fortis Assurant, UniCare, Celtic, and others. Compare free Illinois health insurancequotes now!

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