Golden Rule Insurance Company Vision Insurance Review

UnitedHealthcare, Golden Rule Insurance Company offers a wide selection of health insurance products for individuals and employers. This includes medical, accidental, disability, life, critical illness, hospital indemnity, and vision insurance. Its vision insurance is available either as a supplemental or standalone policy.

Services and Features

Vision insurance from Golden Rule is available either as a standalone plan or as additional rider to an existing dental insurance plan. As a standalone plan, it can be customized, allowing you to select covered items such as glasses, contacts, or both. However, both plans give you access to vision care benefits such as allowances for prescription glasses, routine eye exams, and discounts on other vision services.

Golden Rule vision plans have no waiting periods, offer coverage for all ages, cover out-of-network treatments, and offer big savings through its large, national network of eyewear and vision service providers.

Network providers are categorized into three areas: full service, exam only, and dispense only. Full service providers cover eye examinations and discounted prescription eyewear. Eye exam only is for discounted eye examinations, while dispense only is for discounts on prescription eyewear.

Golden Rule’s vision care plans and pricing vary according to an applicant’s gender, age, location, and smoking habits. If you get a yearly eye examinations from an in-network provider, you only have to pay the copay amount under the vision plan. However, if you get a yearly eye exam from an out-of-network provider, the plan will only pay a flat fee allowance towards the bill and you are responsible to pay the rest. Therefore, the total cost is still less with a vision plan from Golden Rule. Coverage may also include frames, lenses, and contacts.

Vision Insurance From Golden Rule Insurance Company

Golden Rule’s vision insurance is available either as a supplement or standalone policy. There are no waiting periods and it is available for all ages. Discounts and savings are not limited to in-network providers but also to non-network eye care specialists.