Golden Rule United Healthcare Company of Arizona Review

Golden Rule Health Insurance of Arizona ( part of the United Healthcare family of companies) is just another of the many insurance companies that the 48th state admitted into the U.S. has to offer. If you live within the state of Arizona and know people that are covered through this health insurance company, then perhaps you may have heard the “follow the Golden Rule and you will find assurance” statement.

Golden Rule Health Insurance Company was founded in the year 1940 by Michael and Mary Rooney. The couple founded it in the city of Lawrence, Illinois; however the main office of this company can be found in Indianapolis, Indiana ever since the 1970’s. The most important event in the history of this company was when they were bought by United Healthgroup Inc. in 2003 for the sum of $500 million. Ever since that year the company has been known as one of the most important subsidiaries to United Healthgroup Inc. and can now be found in 28 out of the 50 states of the nation.

Best known across the country for the low-cost and excellent coverage given to its members, Golden Rule Insurance Company also offers their members of selected states the option of Health Savings Accounts (HSA) compatible plans. What this means is that the premium they pay monthly and the costs they will have to pay for the services will be much lower. This is simply due to the fact that a Health Savings Account is a tax-favored savings account combined with a high deductible health insurance plan and the best of all is that they are the main type of consumer driven healthcare. What this means is that a person with an HSA can control their own health care decisions.

Golden Rule Insurance has exceeded their expectations through these three years they have worked under the United Healthgroup Company and are proud of their outstanding service. It is exactly the customer service part of Golden Rule that brings the company to the top of the health care industry. They process about 94% of quotes within 10 days or less and they also offer discounts of 35%-45% for their members thanks to their nationwide network of doctors and hospitals. Because of customer service and the outstanding coverage that they offer their members A.M. Best has given them a rating of A (Excellent) while Standard and Poor’s have followed that with an A+ (Strong) rating. United Healthgroup, the parent company of Golden Rule Health serves more than 28 million members in the U.S. and provide higher quality care from an estimated 470,000 physicians in 4,500 hospitals across the country.

Golden Rule Health in the state of Arizona offers seven distinctive plans with many variations. This means that the plans and the network are associated by name, but within the plan the customer can choose their deductibles, their copays and in turn decide how high their monthly premium is going to be. Below you will find the seven plans that are offered in Arizona with a detailed description of what services it has and how much you should be expected to pay when you decide to use those services.

Plan 100: With this plan you have the following choices on deductibles: $1500, $2500, $3500 or $5000. They will pay 100% of the co-insurances on services once you have paid the deductible and the rate is locked for 12 months. For preventive care services (Doctor Visits, Child Immunizations and Mammograms) you wont have to pay anything once you meet your deductible, the same goes for outpatient services (doctor visits, prescription drugs and lab tests such as X-rays). The only thing you would have to pay is an emergency room fee of $100 if you don’t get admitted into the hospital in case of going for an emergency. For inpatient services everything is covered 100% once you meet your deductible. It is important to note that since everything is paid for once you meet that deductible; the monthly rates might be a little higher than other plans.

Plan 80: This plan is much the same as the 100 plan. You will be able to choose between $1500, $2500, $3500 and $5000 deductibles and the rate will be locked for 12 months. The difference comes in the co-insurance payments once your deductible is reached. With this plan you will have to pay 20% to $3000. This means that the company will pay 80% of the co-insurance and up to $12000, then everything is covered. For preventive services such as doctor visits, immunizations and mammograms you should expect to say 20%. For outpatient services such as doctor visits, prescription drugs, CAT scans and MRIs you should also expect to pay 20% co-insurance. The emergency room fee is different because if you decide to go you will have to pay 20% co-insurance plus $100 more if you are not admitted. Inpatient services such as surgeries you also will be required to pay 20% of the total cost once your deductible has been met.

Saver 80: This plan is a little different that the two plans we have seen and is the plan with the lowest monthly premium because is the one that charges you more when you use the services. You have deductible choices of $500, $1000, $1500, $2500, $3500 and $5000 and just like the other two your rate will be locked for 12 months. Most preventive care is not covered and you will have to pay 20% co-insurance for preventive tests such as mammograms and Pap Smears. Outpatient Services are also much different under this plan. If you decide to go for a doctor visit you will have to pay full price, in other words you are not covered. Outpatient drug prescriptions are not covered, however a discount card is sent over the mail for members of this plan. Everything else is 20% co-insurance, except that with the emergency room fee you will have to pay $500 if you are not admitted. All inpatient services are 20% co-insurance as well.

Copay Select: This plan is a copay based plan instead of a co-insurance one. What this means is that you will have to pay a particular amount for most of the services instead of a percentage. With Copay Select you will be able to choose from $500, $1000, $1500, $2500 and $5000 in deductibles and your rate would be locked in for 12 months. For preventive care office visits and outpatient doctor visits you will have to pay $35 dollars. The prescription drugs under this plan are divided into tiers (generic, brand name and specialty) and you will have to pay $15, $30 and $60 accordingly. You will have to pay a 20% co-insurance in all the other outpatient services as well as inpatient care. Emergency room fee if you are not admitted is $100.

Copay Saver: This is another copay plan offered by Golden Rule Health in AZ. The plan only allows the member to choose from a $2500 and a $5000 deductible. Most Preventive care is not covered and only tests such as mammograms in which you would have to pay 20% are covered. For outpatient services you will have to pay $35 for a maximum of 2 visits per year, although you can purchase more. The prescription drug tier would $15 for generic with brand name and specialty drugs not covered and everything else would be a 20% co-insurance. The emergency room fee if you are not admitted is $500 and inpatient services are covered if you pay 20% co-insurance.

HSA 100: These plans are compatible with health savings accounts. Deductibles for this plan are $1100, $1850, $2850, $3500 and $5000 for an individual and for a family those deductibles double. The rate is locked in for 12 months and after you reach your deductible you won’t have to pay for a single thing. Everything under preventive care, outpatient services and inpatient care is covered 100%. No need for copayments or co-insurances, not even if you go to the emergency room and are not admitted.

HSA Saver: These is another plan compatible with a health savings account. Deductibles for this plan are the same as the other one: $1100, $1850, $2850, $3500 and $5000 for individual and those are doubled for family. Within preventive care you are only covered 100% for tests, other than that you are not covered. Outpatient care is quite different from the other Health Saving Account plan. You will not be covered for doctor visits and for prescription coverage you will only be given a discount card. If you don’t get admitted to the emergency room when you go, then a fee of $250 will be implemented. Impatient care stays the same and you will be covered 100% for anything within this category.

Health – Is There A Link Between Your Memory, Intuition And Feeling?

How does your memory function? What is your intuition telling you? Can feelings misguide you? Is there a connection between these factors and your health?

What is your frame reference?

Memory. Most people argue from within their own frame reference. They have their own experiences, saw things happen to others, they have heard it saying or read about it. You argue daily with these images in mind, it’s your world! You know what you know, don’t you? A friend of mine told me once: “The more I learn, the more I discover, the more I feel I really don’t know much. All our information has been stored on our personal hard disk back up system. Is your memory the best option to take decisions if you know there is still so much to learn and discover?

Intuition. Our intuition is said to make decisions with the ability to feel or to know immediately without reasoning. You and I, we like to avoid pain as much as possible. When you do something wrong in public it can be very embarrassing and painful. When you loose money with a wrong decision its painful too. You are who you are mainly through your past experiences. Your past however has nothing to do with who you are now and with your future. Many experiences in the past are shining their shadow over the future. If your intuition is shaped by the past, does it have the ability to create a bright future like you wish?

Example: You are unemployed and on you’re way to apply for a new job. You lost count how many times and your subconscious tells you; “It will be like the last time and the once before”. Do you enter the room with your shoulders right and the necessary enthusiasm to get the job? Or do you unconscious deprive yourself from this opportunity? Does your intuition gives you a clear view? A positive mindset can be very powerful. I’ve seen this happening to a friend of mine, 62 years and unemployed for over three years. “Do something positive in your life”, I told him. “Do your own radio show like you used to do”. After a couple of weeks he was enthusiastically preparing for a new show, and even before it all started he was hired for a new job! Coincidence? I don’t think so!

Feeling. You’re feeling tells you something about the present. You are on holiday with a cool drink and a wonderful view. That’s a great feeling, a feeling that you can recall anytime from memory or when you see those holiday pictures. However, on the last day of the holidays, at that same spot, a cool drink and a wonderful view, do you feel the same? Thinking about the work, pilling up after the holidays?

Learning how to handle all those feelings, knowing what you’re intuition is really telling you and let your frame reference limits your overall view. Don’t think for others. Don’t look back and only see what went wrong but try to create, improve and let go.

Health is a subject that’s hard to sell. When it comes to health, don’t we all think immediately about sickness? We see people struggle with their health, overweight, lacking energy and mood problems to name the least. Growing old is not a thing most people are looking forward too.

Talk to older people who have prove they life a healthy lifestyle. Ask them what they did and still do about it. Here’s were you can start your journey.

Health Rules: #1. Positive / Negative Brainpower. Your thoughts can make you sick or they can motivate you living healthier.

#2. Why is the base-acid balance important? Enzymes function optimally over a very narrow range of hydrogen ion concentrations. For most enzymes this optimum pH is close to the physiological range for plasma (pH= 7.35 to 7.45, or [H+]= 35 to 45nmol/l). Perhaps 80% in the western society can improve their overall health with this fact alone! It is the best-kept secret at the doctor’s office.

#3. Use nutritional supplements. Most of our foods are non-biological produced with artificial fertilizers containing 11 minerals and trace elements. The full spectrum nature has to offer contains 92 minerals and trace elements. Our overall health is affected by the use of these products. Non-biological produced plants need to be protected with the use of pesticides and so do we. Isn’t the medication people use exactly the same as the pesticides for our fruit and plants!

#4. Avoid negative stress Negative stress has a great effect on your immune system.

#5. Move your body! It is said before but when you lead a ‘couch potato lifestyle’ you will pay the price sooner or later.

I strongly believe that these 5 rules listed in this order are the very best to improve your overall health.

– Henk Mutsaers

Easy Feng Shui – Health

There are many aspects to health from a feng shui perspective. Health covers much more than our physicality. We desire all aspects of our lives and our beings to be healthy. A healthy mind, a healthy self image, healthy relationships are all optimal states of being in this human evolution. The meaning of health is balance. And balance is achieved in many ways through many means. Physically, our bodies require a balance of activity and rest. Mentally we require stimulation and silence. It is Yin and Yang in operation; Yang being the outgoing, action oriented male energy and Yin being the nurturing, receptive feminine energy. We all run both energies regardless of our gender. We have to do this in order to experience optimal health in any area of life.

The health area of the bagua is located in the very center and is represented by the symbol of balance, Yin/Yang. The health area is deserving of attention because it is the foundation for a healthy life. It touches all of the other areas. The Health area is also the place where you can work on life situations not specifically addressed by the other eight areas. The balance of every other area of life is affected by health so it is important to enhance it. In life without your health it is difficult to have a thriving career, supportive relationships, express your creativity and generate the energy to bring in abundant prosperity.

Actually you can enhance your health in every area of the bagua. Each area has a corresponding body part and if you are having any issues with your body you can work with enhancements or cures in the specific areas with the intention of healing your physical body.

  • Prosperity/ Abundance rules the hip
  • Fame/Reputation rules the eye
  • Relationship/Marriage/Love rules all major organs of the body
  • Creativity /Children rules the mouth
  • Helpful People/Travel rules the head
  • Career/Life Path rules the Ear
  • Self Cultivation and Knowledge rules the hand
  • Happy Family rules the foot
  • Health rules all other body parts not specifically mentioned.

The element for the health area is earth, grounded, stable, balanced earth. The color is yellow or earth tones and the shape is square, flat or horizontal. Earth is created by fire in the creative cycle so the color red and candles work extremely well in this area. Wood pierces earth in the destructive cycle so you want to avoid the color green and tall tree like plants. Plants with round leaves are fine and the soil they are planted in is earth so they are a great enhancement for this area. Things made of earth, pottery, crystals, slate tile, which may also be square enhance the health area.

The health area is right in the middle of your home which can make it a bit tricky to work with depending on your floor plan. If this is an open area use a table against the closest wall to place enhancements or cures. All areas flow into each other and intention is the key. The health area in the house that I live in contains a staircase so I have placed several paintings with the earth element in them on the staircase wall. Under the stairs is a coat closet and storage space. I put a piece of yellow construction paper with my health affirmations written on it in there and I keep it organized.


Kelly Whetstone

Give Your Family Health an Annual Check-Up

Family health is an issue of maximum importance nowadays. Taking care of the members of your family is something that must be done with regularity and consistency as well. There are many people nowadays who do not give much importance to the general status of health of their families. This happens mostly because they think that a medical insurance is too expensive and they cannot afford it or because they do not believe that something out of the common could happen to any of them. Still, there are many aspects which all of us should keep in mind in order to continue having a healthy family.

In this respect, it can be said that family health is a subject that requires improvement. It is important that all of your family members should have medical insurances in order to get the proper treatment in case something happens. If they don’t have the medical insurances, they might risk the chance of not getting any treatment at all! You cannot rely on the fact that nothing bad will ever happen to you or someone dear because there are many risk factors which must be taken into account. Health is the most important subject of discussion possible because it regards all of us directly. If all the members of your family have insurances it will be easier to deal with certain diseases. Moreover, it is recommended to offer all of your members the possibility of having periodical medical consults. If you have a child, it is important to take him to a dentist from an early stage and the dentist will explain exactly how the next consultation will develop.

Furthermore, it can be said that family health implies also the existence of some general family rules. Education is the basis of every principle related to family and connection with the people around. The rules must be general accepted and respected by all of the members of your family. A good example of a family health rule could be: Everyone must brush their teeth in the morning and in the evening. Even if it is not something very difficult, if you impose it and discuss it with the dear ones and give also rewards to children for doing this, you will have very good results. Communication is the fundamental basis of any possible issues and that is why it should be mixed with the family health issue in order to contribute to the development of the personal care and hygiene.