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Golden Rule Products Debut

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A unit of UnitedHealth Group Inc. has introduced two short-term medical products and started selling dental and vision products in more states.

The unit, Golden Rule Insurance Company, Indianapolis, says the new Short Term Medical Plus Plan and the new Short Term Medical Value plan will be available in 19 states.

The plans will provide 1 month to 12 months of coverage in Alabama, Florida, Iowa, Illinois, Maryland, Missouri, Mississippi, Nebraska, Oklahoma, Pennsylvania, Tennessee, Texas and Wisconsin.

The plans will provide 1 month to 6 months of coverage in Arizona, Indiana, Michigan, Ohio, and Virginia.

Availability of consecutive use of short-term plans and additional months of coverage will depend on individual state laws.

The Short Term Medical Plus plan offers a per-term deductible between $250 and $10,000:

The Short Term Medical Value plan offers a per-cause deductible between $250 and $5,000.

Even before the deductible is paid, the plans provide access to the provider network run by United HealthCare, another unit of UnitedHealth, Minnetonka, Minn., Golden Rule reports.

Consumers can discontinue coverage at any time without penalty, with the unused premium returned.

Consumers can apply for coverage online.

In related news, Golden Rule has started to sell dental and vision coverage plans designed for individuals and families in Connecticut, Delaware, Indiana, Louisiana and Nebraska.

The new dental plans, which come with optional vision coverage, are available to consumers of all ages – including Medicare recipients and children – and do not require applicants to have any other insurance plans through Golden Rule or its affiliates, Golden Rule says.

Golden Rule health plan customers in the 5 states now can add dental coverage as an optional benefit.

Golden Rule’s dental coverage provides 100% coverage for preventive care with no deductible and no waiting period, along with access to a UnitedHealth subsidiary’s dental provider network.

Vision plan benefits include coverage for eye examinations, prescription glasses and contacts and access to a 24,000-provider network.