Customer Review - Golden Rule

An expensive company to stay with, but with some perks

Plan: HSA Plan 80

Deductible: $2900
Coinsurance after ded: 20%
Maximum Out-Of-Pocket ~ $3900
Co-pay: None


PROS:

- Never denied or even questioned a claim (I had several $1000+ claims, largest was $5,000 ER visit)
- Covers up to $2,000 in chiropractic care (most others limit you to visits or $500/yr)
- EXCELLENT negotiated rates (very cheap) with doctors (which lowers patient cost before deductible is met)
- Large network of doctors & specialists in my area

CONS:

- Mandatory participation in FACT, which is $3 a month subscription for a membership (Something I never used in 7 years)
- Constant rate increases - expect annual (sometimes as little as 8 months) premium increases of 12-15%
- higher premiums than other equivalant plans