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is one of the nation's leading
providers of health, dental, group, life,
disability and long-term care benefits Health
Care Networks: More than 700,000 health
care professionals More than 418,000 primary
care doctors and specialists 4,231 hospitals
A network of specialist physicians, AexcelSM,
based on clinical performance and cost efficiency.
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Rule has been a leader in the individual
health market for nearly 60 years. Golden
Rule offers a wide variety of affordable health
insurance plans and is a pioneer of Health
Savings Accounts (HSAs). Serving individuals
and families is our primary focus. Because
we are dedicated to this market, we have developed
a unique understanding of the health insurance
needs of individuals and families. This knowledge
is reflected throughout your experience with
Golden Rule -- in our high quality products,
our handling of claims, and our customer service.
Golden Rule is rated "A" (Excellent)
by A.M. Best. This rating indicates financial
strength and stability.
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Cross of California has been serving
the health care needs of Californians since 1937.
Blue Cross of California, together with its branded
affiliates, provides health care services to more
than 6.8 million members. Offering a full continuum
of product and coverage options, Blue Cross provides
customers with unparalleled choice and flexibility
in meeting their health plan needs. These options
are continually fine-tuned to enhance access to
affordable, quality health care. The Company,
with its strong track record for innovation, focuses
on progressive products and services designed
to improve the health status of all Californians.
Unique product offerings available in the individual,
small group, large group, senior and Medi-Cal
markets include a full range of integrated medical
and specialty products.
Blue Shield of
California Life & Health Insurance
Company Life has grown by offering competitive
insurance products including Group Term Life,
Accidental Death & Dismemberment, Blue Shield
of California Life & Health Insurance Company
Life Vision Plan, Stop Loss and Exec-U-Med medical
reimbursement plans in tandem with Blue Shield
of California health plans or on a stand-alone
basis . In the early 1980s, introduced their Short-Term
Health products. The Option One and Option Twelve
plans remain one of the leading products of their
kind in California
A Health Maintenance Organization (HMO) focuses
on the quality of care provided to its members
- with prevention and wellness as the key components
of that care. Health services are accessed through
contracted primary care physicians (PCPs) who
know the member's medical history and individual
needs; thus a partnership is formed between the
member, the provider and the health plan. HMOs
offer minimal paperwork and low, predictable out-of-pocket
costs. Members pay a small, predetermined copayment
each time they receive health care services.
PacifiCare SignaturePOS® (POS)
A Point of Service (POS) plan offers members greater
flexibility and options. POS plans combine the
savings of an HMO with the flexibility of a typical
indemnity arrangement. If you are looking for
affordability, use the in-network option of your
benefit plan. If you prefer to see a doctor who
is not participating in our network, choose the
PacifiCare SignatureOptionsSM (PPO)
A Preferred Provider Option is a plan which offers
an even wider selection of physicians to our members.
These participating providers may be primary care
doctors or specialists and PPO members are free
to see any of them. PPO members may also visit
non-contracted providers, but at a higher out-of-pocket
cost. PacifiCare SignatureOptionsSM is available
to employer groups of 51 or more employees.
PacifiCare SignatureIndependenceSM (Indemnity)
The PacifiCare SignatureIndependence Plan is a
traditional indemnity plan. It gives you the independence
to go to any doctor -- including a specialist
-- without a referral.
You have the flexibility to see any provider
licensed or certified to provide covered benefits.
You must meet an annual deductible.
You pay your plan's coinsurance cost for all covered
PacifiCare SignatureFreedomSM (SDHP)
The PacifiCare SignatureFreedom plan is a Self
Directed Health Plan, or SDHP. It is PPO-based,
so you'll have access to a broad network of physicians
and hospitals. PacifiCare SignatureFreedom rewards
you with an annual Self Directed Account (SDA)
which you can use toward certain types of preventative
health care services like doctor's office visits,
mammography screening, breast and pelvic exams,
You can choose any provider licensed or certified
to provide covered benefits.
You pay a lower copayment or coinsurance when
you visit a doctor that is in the participating
Any money from your SDA that you don't spend is
carried over to the next year, allowing you to
"save" for future health care expenses.
Services not covered by the SDA, such as inpatient
surgery or emergency room visits, are paid for
like a traditional PPO, with yearly deductible
and a charge for coinsurance.
You have access to a complete suite of online
support tools that allow you to keep track of
your SDA account, claim activity, status, provider
choice and health care costs.
In addition to our regular HMO product, PacifiCare
offers Medicare beneficiaries Secure Horizons
an alternative to Medicare. Secure Horizons, our
Medicare HMO plan, essentially works the same
as our regular HMO. When a member chooses a PCP,
he or she is also choosing the group of specialists
available and the hospital they will go to when
necessary. This plan covers all services and supplies
offered by Medicare, plus additional benefits,
often at little or no premium to the member
Anthem Blue Cross and Blue Shield is
the trade name for the following: In Connecticut:
Anthem Health Plans, Inc. In Colorado: Rocky Mountain
Hospital and Medical Service, Inc. In Indiana: Anthem
Insurance Companies, Inc. In Kentucky: Anthem Health
Plans of Kentucky, Inc. In Maine: Anthem Health
Plans of Maine, Inc. In Nevada: Rocky Mountain Hospital
and Medical Service, Inc. In New Hampshire: Anthem
Health Plans of New Hampshire, Inc. In Ohio: Community
Insurance Company. In Virginia: Anthem Health Plans
of Virginia, Inc. Independent licensees of the Blue
Cross and Blue Shield Association. Serving residents
and businesses in Indiana, Kentucky, Ohio, Colorado,
Nevada, Connecticut, Maine, New Hampshire and Virginia
(excluding the city of Fairfax, the town of Vienna
and the area east of State Route 123).
|Golden Rule is proud to be a member
of the UnitedHealth Group family of businesses.
As an innovative leader in the health and well-being
industry, UnitedHealth Group currently serves nearly
55 million individuals nationwide, with products
and services to help people achieve better health.
Golden Rule has been a leader in the individual
health market for nearly 60 years. Golden Rule
offers a wide variety of affordable health insurance
plans and is a pioneer of Health Savings Accounts
(HSAs). Serving individuals and families is our
primary focus. Because we are dedicated to this
market, we have developed a unique understanding
of the health insurance needs of individuals and
families. This knowledge is reflected throughout
your experience with Golden Rule -- in our high
quality products, our handling of claims, and
our customer service. Golden Rule is rated "A"
(Excellent) by A.M. Best. This rating indicates
financial strength and stability.
| Assurant Health is the brand name
used for products underwritten and issued by Time
Insurance Company, John Alden Life Insurance Company
and Union Security Insurance Company. California
license numbers: 08109 ( Time Insurance Company),
08107 (Union Security Insurance Company) and 3894
(John Alden Life Insurance Company). Assurant Health
only accepts agent business from agents licensed
and appointed in accordance with state laws.
Copyright © 2005 Oleg Skurskiy Authorized
Independent Agent, CA License 0E50389