Every year, the cost of healthcare increases dramatically. Simple same-day surgeries, required tests and emergency attention can add up to thousands of dollars or more.
If you have a temporary need for health insurance, either you are between jobs or just out of school, etc., you can quote and apply for temporary health insurance throughour website.
The overall benefits of health insurance are obvious. You won't be avoiding the doctor because it costs too much. The hospital bills won't be piling up on your desk waiting for attention. Plus, your health insurance will provide the help and care you need and demand.
There are many health insurance companies available, offering various types of plans. We are affiliated with companies who have stood the test of time and provide a quality benefit package as economical as possible.
We have plans available that offer prescription drug benefits, worldwide coverage 24 hours a day, wellness benefits, unlimited lifetime maximums, co pay options are available for doctor office visits and your choice of doctors and hospitals from extensive networks.
You will be able to keep your health insurance costs more affordable if you choose deductible options of $1,000 or more. Some people carry insurance primarily to pay for catastrophic events. They pay out of their pocket for the costs of everyday health care needs in exchange for the lower premium of a high deductible plan. When you have a significant medical expense, even in the worst case, you’re still likely to save money with a high deductible plan.
Look at an actual premium comparison between a low-deductible co pay plan and a high-deductible plan — then choose what feels right for you.
You can obtain a quote and apply for a policy on our website or, you can submit the quote request form to us and we can make a comparison with all our individual medical insurance companies.
Student Health Insurance. If you are a healthy, full-time college student under the age of 30 you can obtain a quote and apply for reasonable health insurance on our website.
Temporary Short Term Health Insurance. If you are between jobs, looking for an alternative to COBRA, a recent college graduate or waiting for your employer sponsored coverage to start, a short term health insurance policy is the solution. You can obtain a quote and apply for a policyon our website.
Medicare Supplement. Medicare supplement insurance companies must make coverage available to you, regardless of your age, for 6 months beginning with the date you enroll in Medicare Part B. This 6 month period is often called the open enrollment period. Insurance companies may not deny or condition the issuance of a policy on your health status, claims experience, receipt of health care, or medical condition. The policy may still have waiting periods before pre-existing health conditions are covered. If you are under age 65 and enrolled in Medicare due to disability or end stage renal disease, you are entitled to another 6 month open enrollment period upon reaching age 65.
Rejected for Health Insurance? If you have been rejected for health insurance you can apply for coverage through the Wisconsin Health Insurance Risk Sharing Plan (HIRSP). Information on coverage and rates can be obtained by clicking on the HIRSP logo on our website.
Individual, Family, Dental
Individual, Family with Dental
Individual, Family with Dental & Vision, Short Term Medical
HEALTH SAVINGS ACCOUNT (HSA) An HSA combines high deductible health insurance with a tax-favored savings account. Money in the savings account helps pay the deductible. Once the deductible is met, the insurance starts paying. Money left in the savings account earns interest and is yours to keep.
To get the benefits of an HSA, the law requires that the savings account be combined with high deductible health insurance. High deductible health insurance costs less than traditional $250 or $500 deductible coverage, because the insurance company doesn’t have to process and pay claims for routine, low-dollar medical care.
Who is Eligible for an HSA? Anyone who is not entitled to Medicare can accumulate tax-favored savings for health care needs. You must have a qualified high deductible health insurance plan -- and no other similar health insurance. A qualified health plan for singles has a minimum deductible of $1,000. For families, a qualified health plan must have a minimum deductible of $2,000 -- one deductible for the entire family.
What's a Health Savings Account?
HSAs typically cost less than many traditional plans.
An HSA combines high deductible health insurance with a tax-favored savings account. Money in the savings account helps pay the deductible. Once the deductible is met, the insurance starts paying. Money left in the savings account earns interest and is yours to keep.
Why High Deductible Health Insurance?
To get the benefits of an HSA, the law requires that the savings account be combined with high deductible health insurance. High deductible health insurance costs less than traditional $250 or $500 deductible coverage, because the insurance company doesn’t have to process and pay claims for routine, low-dollar medical care.
How Does a Health Savings Account Work?
HSAs help you save tax-deferred if used for medical expenses.
You obtain coverage under a qualified health insurance plan with a minimum deductible of $1,000 for singles and $2,000 for families.
Each year you’re allowed to save 100 percent of the health plan’s annual deductible, up to $2,600 for singles and $5,150 for families in 2004. Older Americans can save even more!
You use the savings account to pay for your lower-dollar medical expenses, or those that aren’t covered by the health plan.
Once you meet the deductible, the health insurance covers your medical expenses as defined in the policy.
What are the benefits of a Health Savings Account?
HSA 100SM makes quality coverage simple.
Health Coverage Benefits
Medical
Simple: 100% coinsurance after the deductible is met (optional 80% coinsurance to lower premium).
Predictable: One deductible per family.
Comprehensive: Quality medical, including adult preventive care and prescription drugs.
Savings Account
First dollar: Savings can be used to help pay the deductible and for noncovered medical expenses, such as dental and vision.
Security: Savings reduce or eliminate annual out-of-pocket exposure.
Pool of money: Savings not spent remain in the HSA tax-deferred.
Tax Benefits
Tax-deductible: Contributions to the HSA are 100% deductible -- just like an IRA (see brochure insert for legal limit).
Tax-favored: Withdrawals for covered medical expenses are never taxed.
Tax-deferred: Interest earnings accumulate tax-deferred, and if used for qualified medical expenses, are tax-free.
More Health Insurance And Health Savings Account Information
Health Savings Account Plans help you take control of your health care expenses with a tax-favored savings account and quality medical coverage.
Want more information on obtaining Health Insurance?
All products listed are registered trademarks or service marks of Golden Rule Insurance Company.
Golden Rule is authorized to do business in all states except New York. However, not every product Golden Rule offers is available in every state.
Golden Rule Insurance Company is an Illinois domiciled insurer.
The company has been issued California Certificate of Authority number 4407.
