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Benefit Schedules: High Deductible Plans | Copay Plans | HSA Plans
Arizona Medical Insurance > Golden Rule Insurance Company > General Information
Which Plan Best Fits Your Needs?
| Plan Type | May Be Ideal For: | Plan Name | Out-of-Pocket* | Premium Cost |
High Deductible Plans |
Anyone willing to take responsibility for routine health care expenses in exchange for lower premiums.
Anyone seeking lower cost protection from unexpected accidents and illnesses. Early retirees needing a bridge to Medicare. |
Plan 100® More Comprehensive |
Lower | Higher |
| Plan 80SM More Affordable |
Higher | Lower | ||
| Saver 80SM Even More Affordable |
Higher | Lower | ||
| Copay Plans More Traditional Plans—Higher premiums, lower deductible |
Anyone who prefers the convenience of copay benefits for routine health care expenses.
Families with children who have regularly scheduled doctor office visits. Adults who want copay benefits for preventive care and prescription drugs. |
Copay SelectSM More Comprehensive |
Lower | Higher |
| Copay SaverSM More Affordable |
Higher | Lower | ||
| Health Savings Account Plans Market-Leading Plans—High Deductible Plan plus Savings Account |
Persons interested in more control over how their health care dollars are spent.
Families interested in one annual deductible per family. Those interested in trading low deductible health insurance for a higher deductible plan to save money on monthly premiums and taxes. |
HSA 100® More Comprehensive |
Lower | Higher |
| HSA Saver® More Affordable |
Higher | Lower | ||
| *OOP Exposure: Out-of-pocket Exposure is deductible, coinsurance, and copays. Under all plans additional expenses may be incurred that are not eligible for reimbursement by the insurance. | ||||
UnitedHealthcare
UnitedHealthcare serves more than 28 million customers. We provide access to high-quality care from more than 470,000 physicians and 4,500 hospitals across all 50 states and in four international markets.* We combine our strength and stability with nearly three decades of experience serving customers of all sizes.
Golden Rule Insurance Company
Golden Rule Insurance Company, merged with UnitedHealthcare in 2003, has served individuals and families with health insurance solutions for over 60 years. This experience and knowledge is reflected in high-quality products, timely claims handling, and outstanding customer service.
Experience and Expertise
Golden Rule’s experience and expertise has driven the development of easy-to-use, and innovative health insurance products. A recognized leader — and one of the nation’s largest providers — of Health Savings Accounts, Golden Rule continues building plans that meet the needs of individuals and families. Golden Rule is rated “A” (Excellent) by A.M. Best, and “A+” (Strong) by Standard & Poor’s. These worldwide independent organizations examine insurance companies and other businesses, and publish their opinions about them. These ratings are an indication of our financial strength and stability.