Short-Term Plan Uses UnitedHealth Network

Golden Rule Insurance Company is introducing a temporary health insurance policy backed by a parent with plenty of negotiating clout.

Golden Rule, Indianapolis, which is now a unit of UnitedHealth Group Inc., Minnetonka, Minn., is replacing its old, no-network short-term health insurance policies for individuals and families with short-term policies that give holders access to UnitedHealth’s national provider network and that network’s deep discounts.

Golden Rule now is offering a $2,500 deductible, in addition to a choice of $250, $500 and $1,000 deductibles.

The policies now will pay 80% of claims for insureds who have met their deductibles but have not yet reached their out-of-pocket payment maximums. The old policies paid only 50% of pre-maximum claims.