United Health One


Golden Rule Illinois Insurance Quotes
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UnitedHealthOne is the brand name of the UnitedHealthcare family of companies that offers personal health insurance products. Golden Rule Insurance Company, a UnitedHealthcare company, is the underwriter and administrator of these plans. With over 60 years of experience servicing individuals and families, Golden Rule provides high-quality products, timely claims handling, and outstanding customer service.

UnitedHealthOne offers three flexible health care plans: Copay Plans, High Deductible Plans, and Health Savings Account (HSA) Plans. They also offer water-downed versions of the Copay, High Deductible, and HSA Plans called Saver Plans. In return for more limited benefits, Saver Plans provide significant savings. They may be ideal for people who need coverage for the bigger expenses instead of for routine health care. These Saver Plans include Preventive Care Benefits that are covered at 100% without having to reach your deductible.

Also available are Short Term Medical, Individual Dental Plans, and AARP Medicare Supplement Insurance Plans. The different plans are described below:

Copay Select

Our Rating:
Copay Select Plans are more like traditional employer plans with a co-payment for routine healthcare expenses. Individuals who prefer the convenience of copay benefits for routine health care expenses, families with young children who have regularly scheduled doctor visits and adults who want copay benefits for preventive care and prescriptions drugs benefit most from a CoPay Select Plan.

Copay Select plan highlights include:
  • Preventive care benefits covered at 100%
  • Unlimited office visits ($35 copayment)
  • Unlimited lifteime maximum benefit
  • Prescription drug co-payments for generic and brand name drugs
    • Tier 1 drugs – $15 copay
    • Tier 2 drugs – $35 copay*
    • Tier 3 drugs – $65 copay*
    • Tier 4 drugs – you pay 25%*

(*please note there is a $500 calendar year deductible for brand and non-preferred brand drugs)


Copay Select Deductibles
$1,000 single / $2,000 family $5,000 single / $10,000 family
$1,500 single / $3,000 family $7,500 single / $15,000 family
$2,500 single / $5,000 family $10,000 single / $20,000 family
$3,500 single / $7,000 family $12,500 single / $25,000 family

High Deductible Plans

Insurance agents refer to UnitedHealthOne/Golden Rule’s High Deductible Plans as catastrophic coverage. They offer lower premiums to individuals and families willing to pay a higher percentage of routine health care expenses. High Deductible plans are great for individuals looking for low cost protection from unexpected illness and accidents and early retirees needing a bridge to Medicare.

Plan 100

Our Rating:

Plan 100 is one of UnitedHealthOne’s most popular plans because it’s our most simple to use and understand. This plan provides comprehensive coverage including, doctor visits, prescriptions, labs and hospitalization, to name a few, while giving you a choice of deductibles, so you can adjust your premium to fit your budget. Once you meet your deductible, the plan pays 100% of all covered expenses for the rest of the calendar year. No 80/20, no 70/30, just 100%.

Plan 100 highlights include:
  • Prescription drug coverage (no charge after deductible)
  • 100% coverage after deductible
  • Preventive care benefits covered at 100%, deductible waived


Plan 100 Deductibles
$1,500 single / $3,000 family $7,500 single / $15,000 family
$2,500 single / $5,000 family $10,000 single / $20,000 family
$5,000 single / $10,000 family

Plan 80

Our Rating:

Plan 80 has been one of the most popular choice for the budget-conscious consumer. This high deductible plan combines comprehensive coverage with coinsurance, resulting in a lower premium, making it a popular choice among students, recent graduates, the unemployed, or anyone on a tight budget.

Plan 80 plan highlights include:
  • Adult and child preventive care included at 100% – no need to meet deductible
  • In-network doctor office visits and prescription drug coverage: You pay 20% after calendar year deductible.
  • Coverage for Inpatient and Outpatient Medical Expenses: You pay 20% after you meet calendar year deductible.


Plan 80 Deductibles
$1,500 single / $3,000 family $7,500 single / $15,000 family
$2,500 single / $5,000 family $10,000 single / $20,000 family
$5,000 single / $10,000 family

Saver 80 Plan

Our Rating:

The Saver 80 Plan is designed to cover the big ticket items such as hospitalization, surgery, emergency room and expensive diagnostic tests like MRIs and CT Scans. By having an insurance plan that covers larger expenses while you pay for smaller day to day expenses, you can save a lot of money in your monthly premium. It does not cover smaller medical costs such as office visits and prescription drugs (Discount Card Included) until you reach your deductible.

Saver 80 Plan highlights include:
  • Adult and child preventive care included at 100% – no need to meet deductible
  • Discount Rx card included
  • Coverage for Inpatient and Outpatient Medical Expenses: You pay 20% after you meet calendar year deductible
  • Low premium rates


Saver 80 Deductibles
$1,000 single / $2,000 family $7,500 single / $15,000 family
$1,500 single / $3,000 family $10,000 single / $20,000 family
$2,500 single / $5,000 family $12,500 single / $25,000 family
$5,000 single / $10,000 family

Saver 70 Plan

Our Rating:

The Saver 70 Plan is designed to cover the big ticket items such as hospitalization, surgery, emergency room and expensive diagnostic tests like MRIs and CT Scans. By having an insurance plan that covers larger expenses while you pay for smaller day to day expenses, you can save a lot of money in your monthly premium. It does not cover smaller medical costs such as office visits and prescription drugs (Discount Card Included) until you reach your deductible.

Saver 70 Plan highlights include:
  • Adult and child preventive care included at 100% – no need to meet deductible
  • Discount Rx card included
  • Coverage for Inpatient and Outpatient Medical Expenses: You pay 30% after you meet calendar year deductible
  • Lowest premium rates


Saver 70 Deductibles
$1,000 single / $2,000 family $7,500 single / $15,000 family
$1,500 single / $3,000 family $10,000 single / $20,000 family
$2,500 single / $5,000 family $12,500 single / $25,000 family
$5,000 single / $10,000 family

Health Savings Account Plans

Health Savings Account (HSA) plans combine lower cost high deductible plans with network discounts and tax advantaged savings accounts. HSA Plans are great for persons interested in more control over how their health care dollars are spent, families interested in one annual deductible and savings on monthly premiums, or high income individuals looking for an additional tax shelter. UnitedHealthOne/Golden Rule offers 2 different Health Savings Account plans with coinsurance options: HSA 100 (with 100% coinsurance) or HSA 70 (with 70% coinsurance).

HSA 100

Our Rating:

HSA 100 provides significantly reduced premium costs by using higher deductibles while covering 100% of medical expenses after the deductible is met. This includes doctor office visit fees, prescription drugs, diagnostic testing, hospitalization, and surgery. There are no copays for doctor visits, but once the calendar year deductible is met the insurance will pay 100% of covered expenses.

HSA 100 Plan highlights include:
  • Adult and child preventive care included
  • One calendar year deductible for families. Once the deductible is met, UnitedHealthOne pays 100% of covered health expenses for the rest of the calendar year.
  • Coverage for catastrophic care


HSA 100 Deductibles
$2,500 single / $5,000 family $5,000 single / $10,000 family
$3,000 single / 6,000 family $6,000 single / $12,000 family
$4,000 single / $8,000 family

HSA 70

Our Rating:

HSA 70 is a popular plan offers a lower premium than HSA 100 in exchange for 70% in-network coinsurance (instead of 100%). You still get the tax advantages of a Health Savings Account that you can use for any qualified medical expense not covered by the plan.

HSA 70 Plan highlights include:
  • Adult and child preventive care included at 100% – no need to meet deductible
  • One calendar year deductible for families. Once the deductible is met, UnitedHealthOne pays 100% of covered health expenses for the rest of the calendar year.
  • Coverage for Inpatient and Outpatient Medical Expenses: You pay 30% after you meet deductible.


HSA 70 Deductibles
$2,500 single / $5,000 family $4,000 single / $8,000 family
$3,000 single / 6,000 family $5,000 single / $10,000 family

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