Customer Review - Golden Rule

Beware Golden Rule High Deductible policy for families.

For those seeking HIGH DEDUCTIBLE PLANS: beware! Golden Rule "PLAN 100" for FAMILY is a scam!

You will never be able to meet your deductible unless 2 of the members of your family pay the deductible at the same time (same year). For example: if you are severely injured and pay well over your deductible you will still not be covered, because another member of your family has to meet his/her deductible, too!!?? Basically unless you and another member of your family are injured at the same time and fully pay the entire amount of the deductible together, no one is covered... Golden Rule policy is very tricky and it's not clearly stated anywhere. I was lucky to find out that by asking them a lot of questions at the time of my application was submitted.

Another point: although I chose to withdraw my application same day it was submitted they still are going to charge me without my formal approval for the first month, and only then refund me with a check...

Another thing is: Mandatory participation in FACT, which is $3 a month subscription for a membership in a company that specialises on discounts and gives you some sort of discounts on eye and dental care (which I wouldn't need).

In overall this all looks pretty bad to me... Considering that Golden Rule PLAN 100 is a very popular plan I can only hope those poor victims will find out about this before they spend 10th of thousands of dollars...