Golden Rule Insurance Company

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Exciting News! Rush Health has signed a provider agreement with UnitedHealthcare Individual and Family Plans and will be in network effective 1/1/2024

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 quality products, timely claims handling, and outstanding customer service.

Also available are Short Term Medical, Individual Dental Plans. The different plans are described below:

Short-term health insurance may be the best option if you are looking for multiple plan choices that offer benefits not always found in short-term plans, such as preventive care.

While some plans restrict your care to network health care providers, UHC has a sizable network.


  • Option to cancel coverage with no penalty
  • Dental add-on coverage available depending on your state
  • Coverage for preventive care
  • Plans with minimal coverage have low prices


  • Only available in 25 states
  • Level of out-of-network coverage can vary by plan
  • Limited to ages 19 to 65

Short Term Health Insurance

Major medical insurance isn’t always an option for some.

If you’ve missed the deadline for open enrollment, for example, or you just can’t afford the premiums and deductibles that come with a traditional health insurance policy, then short term coverage might be a good alternative for you. As the name implies, short term health insurance – abbreviated to STHPs for short-term health plans – is temporary medical coverage. These plans are for people in transition, whether you’ve changed jobs and need something to fill the gap between employer-sponsored coverage, you’ve just graduated college or been dropped from your parents’ plan, or you’ve retired early but don’t qualify for Medicare yet.

Fast Quote and Application

Get quotes in seconds, apply in just minutes

Budget-Friendly Plans

Choose options to fit your needs and budget

Next Day Coverage

Apply today for coverage starting tomorrow

Available Year Round

No waiting for enrollment periods to apply

Before 2016, STHPs could last from 30 days to a full year in some states, but that has since changed. Now, short term health policies run from 30 days to under three months. They cover limited benefits, don’t cover pre-existing conditions and aren’t guaranteed-issue or renewable. Unlike major medical policies, STHPs include maximum lifetime payout limits, and you must meet a deductible before the insurer will pay its portion.

Despite some obvious drawbacks, short term health insurance makes sense for certain people. Premiums are much lower for STHPs than for major medical policies, they cover a variety of benefits depending on the plan you choose, and they provide an option if you don’t have major medical insurance. Combined with other policies, like standalone critical illness, short term medical plans can be part of your insurance package.


Premier Elite & Plus Elite


Our Rating:

Premier Elite and  Plus Elite highlights include:
  • Plus Elite ONLY – Per Person INDIVIDUAL Deductible
    • $2,500
    • $5,000
    • $7,500
    • $10,000
    • $15,000
  • Premier Elite ONLY – Family Deductible
    • $5,000
    • $10,000
    • $14,000
  • Coinsurance: 0%
  • Out-Of-Pocket Maximum: 0%

Premier Elite & Plus Elite
Doctor Office Visit No Charge After Deductible
Urgent Care Visit $50 Copay
Preventive Care No Charge After Deductible



Our Rating:

Plus highlights include:
  • Plus – Per Person INDIVIDUAL Deductible (Family not available)
    • $2,500
    • $5,000
    • $7,500
    • $15,000
  • Coinsurance: 20%
  • Out-Of-Pocket Maximum: $2,000

Plus Highlights
Doctor Office Visit 20% After Deductible
Urgent Care Visit $50 Copay
Preventive Care 20% After Deductible
Value Highlights
Doctor Office Visit    30% After Deductible
Urgent Care Visit  $50 Copay
Preventive Care 30% After Deductible