General Disclaimer / Policies and Practices


The quotes shown on this site are estimates only, and are subject to change based on the proposed insured's medical history, the underwriting practices of the health plan, the selection of the appropriate Provider Network, the optional benefits selected, occupation (where allowed by state), if any, and other relevant factors. The insurance company reserves the right to change the terms of a policy upon proper notification.


The quotes shown on this site are for the requested effective date ONLY. If the actual date of coverage is different from the requested effective date, the actual cost may differ from the quote shown due to rate increases or policy changes from the insurance company and/or one or more family members having a birthday. (Rates are highly dependent on age.) The carrier selected may not guarantee its rates for any extended period of time.


Applicants should not cancel any in-force health coverage until written formal approval from the insurance company selected is received.


This is not a complete solicitation of health insurance coverage. Please refer to sales brochures and applicable web-page inserts for further information. Sales brochures and applicable inserts may be downloaded or can be obtained by calling our contact number near the top of our home page.


The benefits shown in the details summary are not guaranteed. Please refer to the sales brochure and applicable inserts for further information.


Carrier Disclaimers

UNITEDHEALTH-CARE:

Products are underwritten by Golden Rule Insurance Company. In LA, they are underwritten by United Healthcare Insurance Company and administered by Golden Rule. This overview is intended only as general information. It presents only a brief overview of some of the standard benefits of the plan(s) shown. Optional benefits may be available for additional premium.


Before you apply, please use the link(s) provided to access and review the product information for a more complete explanation of benefits, exclusions (including any that may apply to preexisting conditions), limitations terms under which the plan(s) may not be renewed or benefits may be reduced, and any state variations applicable to any of these items.


You must meet our eligibility requirement in order to become insured, which may include medical underwriting. There is no coverage until we inform you in writing that your application has been processed and approved. To be considered for reimbursement, expenses must qualify as "covered expenses" under the policy, and are also subject to all other policy provisions, such as reasonable and customary limits, or whether or not they were necessary. Estimated Premium shown is based on the information you provided, and is subject to change based on the plan you select. Optional benefits you select (if any), and other factors. We shall exclusively determine the premium actually required, and the effective date of any coverage issued.


In several states, these plans are available only to members of the Federation of American Consumers and Travelers (FACT), an independent consumer organization. If you are not already a member of FACT, you must join in order to be eligible for these plans. Through a special agreement between FACT and Golden Rule, you can enroll in the association through Golden Rule. You will fill out the FACT enrollment form on this website prior to making application to Golden Rule for health insurance. For more information on the benefits of FACT membership, visit www.usafact.org (no need to enroll directly – Golden Rule will submit your dues to FACT). Estimated premium does not include the mandatory $3 per month dues for FACT membership. FACT membership is not required in every state. Please see the product information for details.


UNITEDHEALTH-ONE:


Applicants who have not had major medical coverage within 63 days of applying are required to choose an effective date 30 days to 45 days after the date of application.


Monthly Payment is on a 30 day cycle and can last up to 6 months. The initial payment is for 35 days. Payment is due at the beginning of each cycle. If you are requesting coverage for less than 6 months, you must manually cancel your plan at least 5 days before the start of the next cycle. No refunds are given for partial months of coverage if you cancel before your selected end billing date (unless mandated by your state). One time payment amount is based on the exact number of days you have indicated you would like coverage for. By picking this option, you can save up to 20% on your total of coverage. Humana-One PPO Short Term Plans include a $20 one time non-refundable application fee. The quoted monthly payment reflects 30 days of coverage. If this option is selected, the initial payment will reflect 35 days of premium, subsequent payments will reflect 30 days of premium.


AETNA-PRE-65:


The quotes shown above are estimates only, and are subject to change based on the proposed insured's medical history, the underwriting practices of the health plan, the selection of the appropriate Provider Network, the optional benefits selected, occupation (where allowed by state) if any, and other relevant factors. The insurance company reserves the right to change the terms of a policy upon proper notification.


The quotes shown above are for the requested effective date ONLY. If the actual effective date of coverage is different from the requested dated, the actual cost may differ from the quote above due to rate increases or policy changes from the insurance company and/or one or more family members having a birthday. (Rates are highly dependent on age.) The carrier selected may not guarantee its rates for any period of time.


Applicants should not cancel any in-force health coverage until written formal approval from the insurance company selected is received.


This is not a complete solicitation of health insurance coverage. Please refer to sales brochure and applicable inserts for further information. Sales brochures and applicable inserts may be downloaded or can be obtained by calling our contact number near the top of our home page.


The benefits shown in the details summary are not guaranteed. Please refer to the sales brochure and applicable inserts for further information.


The rates are illustrative only.


A person should not send money to the issuer of the health benefit plan in response to the advertisement.


A person cannot obtain coverage under the health benefit plan until the person completes an application for coverage.


Benefit exclusions and limitations may apply to the health benefit plan.


Carrier Specific Disclaimer- Aetna

Contact

Click on the email address below to request further information.


lindseyassociates@thebesthealthcaresource.com



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