General Disclaimers

• 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 effective date, 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 this 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

• Texas rates will experience a rate increase effective 4/1. Rates quoted for 4/1 are subject to change.
• Missouri rates will experience a rate increase effective 4/1. Rates quoted for 4/1 are subject to change.
• VA & D.C. rates will experience a rate increase effective 4/1. Rates quoted for 4/1 are subject to change.
• Pennsylvania rates will experience a rate increase effective 4/1. Rates quoted for 4/1 are subject to change.

• Blue Cross Blue Shield of Georgia is an Independent Licensee of the Blue Cross Blue Shield Association.

• This information is presented only as a very brief overview of some of the benefits of this plan, and is intended only for general education. The amount of benefits provided depends on the plan selected. Premium will vary with the type of benefits selected. These plans contain exclusions from and limitations of coverage. Please see the product brochure for more complete information, as well as information about terms of renewability, preexisting conditions, out-of-network penalties, and notification requirements. Plans are subject to health underwriting. To be considered for reimbursement, expenses must qualify as covered expenses. Expenses are also subject to reasonable and customary limits, unless you use a network, and all other policy provisions, including determinations of medical necessity.

• 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 Insurance Company, you can enroll in the association on this web site. You will fill out the FACT enrollment form prior to making application to Golden Rule for health insurance. For more information on the benefits of FACT membership, visit www.usafact.org. Estimated Monthly Premium does not include the mandatory $3 per month dues for FACT membership. FACT membership is not required in all states; refer to the product brochure for more information.

• Do not cancel any in-force health coverage until you have received written formal approval from the company you select. Rates shown are based on the information you provided, and they are subject to change based on the health plan's underwriting practices and your selection of available optional benefits, if any. Final rates and effective dates are always determined by the health insurance company.

• Be sure to download the brochure before you apply. It contains important information regarding benefits, exclusions, limitations, renewability, and other terms of coverage.

• Policy form numbers (renewable plans): C-006.3 or C-006.4 or state variations; GRI-PA-20.1-06 or -21.1-06 (CT); GRI-N21M or GRI-N21S-07 (DE); GRI-PA-22.1-10 or -23.1-10 (GA); UHC06-N21M-17 or UHC06-N21S-17 (LA); GRI-N21M-15 or GRI-N21S-15 (KS); GRI-N22M-16 or GRI-N22S-16 (KY); GRI-N21M-30 or GRI-N21S-30 (NM); GRI-N21M-40 or GRI-N21S-40 (SD); MGR03928 (TX); and GRI-N22M-49 or GRI-N22S-49 (WY). Policy form numbers (Short Term Medical): GRI-H-5.7 or state variations, UHC-H-5.7 (LA); and MGR03927 (TX). In LA, plans are offered by United Healthcare Insurance Company and administered by Golden Rule.

• 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.