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Golden Rule Insurance Company has started selling new short-term health products in North Carolina and West Virginia, and it is selling new dental and vision products in 6 other states.

Consumers who buy the Short Term Medical Value plan or the Short Term Medical Plus plan in North Carolina or West Virginia can get coverage terms ranging from 1 month to 12 months, according to Golden Rule, Indianapolis, a unit of UnitedHealth Group Inc., Minnetonka, Minn.

Both plans offer network discounts on care before the deductible is met.

The Value version offers a choice of deductibles ranging from $250 to $5,000. The Plus version offers a tighter limit on out-of-pocket expenses along with a choice of deductibles ranging from $250 to $10,000.

Consumers can apply for the coverage online and pay for it through a monthly billing system.

In related news, Golden Rule has started selling the new dental and vision care coverage products in Alaska, Arizona, Colorado, Iowa, South Dakota and Wyoming.

The new dental plans 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, the company says. Applicants for the plans will be accepted automatically if they meet residency requirements and have no other dental insurance.

Customers who buy the dental plans in Arizona, Colorado, Iowa, South Dakota and Wyoming also can add vision coverage as an optional benefit. In addition, new customers who buy Golden Rule health plans in all 6 states can add dental coverage as an optional benefit, Golden Rule says.

Golden Rule pays 100% of the cost of preventive care with no waiting period.

The vision plan pays for eye examinations, prescription glasses and contacts.


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