If you have a choice, do not use Golden Rule - a division or subsidiary or product or whatever of United Healthcare. I'm a provider and I will not take your insurance if you have Golden Rule - they authorize payments with one client and deny with another. I'm a contracted provider with United Healthcare but Golden Rules says I'm not with them - a problem I have with no other insurance provider. They won't pay for covered services other providers pay for. They decide they won't pay 2 procedure codes in the same day - never mind that other insurance providers will - and then pay the cheaper of the two. I file a claim and request that they AT LEAST pay the higher claim and they won't do it. I submit a corrected claim for the higher benefit and they won't pay it. I feel like they are just laughing all the way to the bank.