While being insured with Golden Rule/United Health Care, I have had nothing but problems. I started my insurance coverage on Feb. 23, 2009, and my husband went to the doctors March 9, 2009 and they would not cover it. Then I went to the emergency room on May 31st, 2009 and my copay(which they call deductible) was $100. I was formally told by Golden Rule that was all I would have to pay $100 if I were to go to the emergency room. Well my final bill was $581.00 that Golden Rule would not pay. There answer was "We are sorry that you were not informed of how your coverage works." DO NOT DO BUSINESS WITH THEM! You might us well not have coverage!