Over 150.000 insurance professionals and consumers come to the Insurance Forum every month. Click here to register for FREE

Go Back   Insurance Forum > Insurance Agents and Brokers Forum > Individual Health Insurance Forum

Reply to HSA:  Assurant vs. Golden Rule     
Old 08-16-2007, 07:55 PM   #1
Guru
 
Join Date: Sep 2006
Posts:7,792
State: arnguy is an Insurance Agent from Pennsylvania
arnguy is a member of 5000 posts Super VIP club
HSA:  Assurant vs. Golden Rule HSA: Assurant vs. Golden Rule
I would like to see some opinions on the Assurant One Deductible HSA Plan vs. the Golden Rule HSA 100 Plan for a 42 year old smoker. He is healthy, no hospitalization, doctor visits only for annual physical, no prescription drugs. This is a PA case.
------------------------------------
  Reply With Quote to HSA:  Assurant vs. Golden Rule
Old 08-16-2007, 08:11 PM   #2
Guru
CHUMPS FROM OXFORD on HSA:  Assurant vs. Golden Rule - Insurance Forum
 
Join Date: Mar 2007
Posts:9,594
State: CHUMPS FROM OXFORD is an Insurance Agent from Ohio
CHUMPS FROM OXFORD is a member of 5000 posts Super VIP club
HSA:  Assurant vs. Golden Rule Re: HSA: Assurant vs. Golden Rule
I can check that when I'm in the office Friday. My gut feeling is that the Assurant HSA will be a better buy.

But UHC also has another plan (AMS) that will probably have better rates than both.

Coverage-wise, Assurant may have the best policy.

------------------------------------
Ohioquotes.com PaHealthInsuranceCoverage.com

Service since 1980 and Miami University Hockey Booster
Sporting News Fantasy Football Champion
  Reply With Quote to HSA:  Assurant vs. Golden Rule
Old 08-16-2007, 08:18 PM   #3
Guru
 
Join Date: Sep 2006
Posts:307
State: newmindfashion is an Insurance Agent from Undisclosed Location
HSA:  Assurant vs. Golden Rule Re: HSA: Assurant vs. Golden Rule
Assurant has the best accident policy add-on, a 10% discount on renewal rates, multi-year rate guarantees and up to $500 in first dollar preventative after the first year. Even if the rates are close, Assurant is the better carrier.

However, its hard to argue with Golden Rule's smoker rates compared to Assurant here in CT.
------------------------------------
  Reply With Quote to HSA:  Assurant vs. Golden Rule
Old 08-16-2007, 09:08 PM   #4
Guru
 
Join Date: Sep 2006
Posts:14,822
State: Crabcake Johnny is an Insurance Agent from South Carolina
Send a message via Yahoo to Crabcake Johnny
Crabcake Johnny is a member of 5000 posts Super VIP club
HSA:  Assurant vs. Golden Rule Re: HSA: Assurant vs. Golden Rule
Assurant, for too many reasons to list, is far superior than GR.
------------------------------------
  Reply With Quote to HSA:  Assurant vs. Golden Rule

Register Now for FREE!
To sign up for your FREE INSTANT account, please complete the form.

Username:
    Password:   Confirm Password:     E-Mail:   Confirm E-Mail:     
   
Question of the day:   Type the result for 11 x 3 I agree to forum rules 


Old 08-16-2007, 09:13 PM   #5
Guru
 
Join Date: Mar 2007
Posts:259
State: wilkin is an Insurance Agent from Undisclosed Location
HSA:  Assurant vs. Golden Rule Re: HSA: Assurant vs. Golden Rule
Over here in central PA, AMS will beat them both, and anyone else too. Not sure about eastern PA and Philly suburbs.
------------------------------------
  Reply With Quote to HSA:  Assurant vs. Golden Rule
Old 08-16-2007, 10:15 PM   #6
Guru
 
Join Date: Sep 2006
Posts:14,822
State: Crabcake Johnny is an Insurance Agent from South Carolina
Send a message via Yahoo to Crabcake Johnny
Crabcake Johnny is a member of 5000 posts Super VIP club
HSA:  Assurant vs. Golden Rule Re: HSA: Assurant vs. Golden Rule
After AMS sent me the letter last year announcing their pull-out of 6 states I wouldn't have much faith in them.
------------------------------------
  Reply With Quote to HSA:  Assurant vs. Golden Rule
Old 08-17-2007, 06:09 AM   #7
Guru
somarco on HSA:  Assurant vs. Golden Rule - Insurance Forum
 
Join Date: Sep 2006
Posts:20,706
State: somarco is an Insurance Agent from Georgia
somarco is a member of 5000 posts Super VIP club
HSA:  Assurant vs. Golden Rule Re: HSA: Assurant vs. Golden Rule
Are these your only choices?

Which plan do you like and why?
------------------------------------
  Reply With Quote to HSA:  Assurant vs. Golden Rule
Old 08-17-2007, 07:43 AM   #8
Guru
 
Join Date: Mar 2007
Posts:259
State: wilkin is an Insurance Agent from Undisclosed Location
HSA:  Assurant vs. Golden Rule Re: HSA: Assurant vs. Golden Rule
Originally Posted by healthagent View Post
After AMS sent me the letter last year announcing their pull-out of 6 states I wouldn't have much faith in them.
I've been waiting for that letter for over a year and have decided its not a valid reason to not sell their plans. They are a good company with excellent service and great rates. Golden Rule pulled out of PA more than five years ago, then came back last year. Any company can stop writing in a state at any time - not a reason to boycott them now - in my opinion.
------------------------------------
  Reply With Quote to HSA:  Assurant vs. Golden Rule
Old 08-17-2007, 07:53 AM   #9
Guru
CHUMPS FROM OXFORD on HSA:  Assurant vs. Golden Rule - Insurance Forum
 
Join Date: Mar 2007
Posts:9,594
State: CHUMPS FROM OXFORD is an Insurance Agent from Ohio
CHUMPS FROM OXFORD is a member of 5000 posts Super VIP club
HSA:  Assurant vs. Golden Rule Re: HSA: Assurant vs. Golden Rule
OK...Here you go...Monthly premiums listed below for Central Pa.

GR $155 $5000 Ded.

AMS $98 $5000 Ded.

Assurant $160 (8 mill.)


Western Pa:

GR $143

AMS $103

Assurant $172 (8 mill.)


All rates based on $5000 Ded. 100% after Ded.
------------------------------------
  Reply With Quote to HSA:  Assurant vs. Golden Rule
Old 08-17-2007, 07:54 AM   #10
Guru
CHUMPS FROM OXFORD on HSA:  Assurant vs. Golden Rule - Insurance Forum
 
Join Date: Mar 2007
Posts:9,594
State: CHUMPS FROM OXFORD is an Insurance Agent from Ohio
CHUMPS FROM OXFORD is a member of 5000 posts Super VIP club
HSA:  Assurant vs. Golden Rule Re: HSA: Assurant vs. Golden Rule
Are you sure GR pulled out of PA five years ago? I have been writing policies with them in PA for a long time.
------------------------------------

Last edited by CHUMPS FROM OXFORD; 08-17-2007 at 07:56 AM. Reason: How to stop Iran? Get Oil prices to fall to $40. That will kill their subsidized economy.
  Reply With Quote to HSA:  Assurant vs. Golden Rule
Reply to HSA:  Assurant vs. Golden Rule 

  Insurance Agent Forum > Insurance Forum > Insurance Agents and Brokers Forum > Individual Health Insurance Forum




Similar Threads with HSA: Assurant vs. Golden Rule
Thread Thread Starter Forum Replies Last Post
Golden Rule Pulls STM Out of New Hampshire Crabcake Johnny Individual Health Insurance Forum 11 06-14-2011 04:41 PM
Golden Rule - Reduced Rates and Defined Contribution Ann H Individual Health Insurance Forum 6 03-03-2011 09:22 AM
Golden Rule - Maternity? Full Throttle Individual Health Insurance Forum 20 07-15-2010 12:17 PM
Golden Rule HSA100 or Humana TotalPlusHSA? chp Individual Health Insurance Forum 35 05-09-2009 09:03 PM
Assurant and Golden Rule Appointments TheSalesWolf Insurance Offers 15 05-06-2009 12:33 AM
SEC Adopts Rule 151A sman Annuities Forum 60 04-22-2009 09:30 AM
HIPAA Policies with Golden Rule dgoldenz Individual Health Insurance Forum 16 02-06-2009 06:31 AM
Need to Beat Golden Rule HSA 100 halis Individual Health Insurance Forum 10 01-20-2009 07:38 PM



All times are GMT -5. The time now is 07:00 AM.

Forum enabled with vBulletin®
Copyright ©2000 - 2014, vBulletin Solutions, Inc.


Join the Forum - It's FREE

Share This Page



Weekly Poll

When it comes to technology, my practice is:
 

Modal Click