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

• Aetna is the brand name used for products underwritten or administered by the Aetna family of companies offering personal health insurance, including Humana Insurance Company and United Healthcare Insurance Company.
• This screen is intended only as general information. It presents only a brief overview of some of the standard benefits of the plan(s) shown. Optional benefits may be available for additional premium.
• Before you apply, please use the link(s) provided to download and review the product information for a more complete explanation of benefits, exclusions (including any that may apply to preexisting conditions), limitations, terms under which the plan(s) may not be renewed or benefits may be reduced, and any state variations applicable to any of these items.
• You must meet our eligibility requirements in order to become insured, which may include medical underwriting. There is no coverage until we inform you in writing that your application has been processed and approved.
• To be considered for reimbursement, expenses must qualify as "covered expenses" under the policy, and are also subject to all other policy provisions, such as reasonable and customary limits, or whether or not they were necessary.
• Estimated Premium shown is based on the information you provided, and is subject to change based on the plan you select, optional benefits you select (if any), and other factors. We shall exclusively determine the premium actually required, and the effective date of any coverage issued.
• In several states, 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 Humana, you can enroll in the association through Humana. You will fill out the FACT enrollment form on this website prior to making application to Humana for health insurance. For more information on the benefits of FACT membership, visit www.usafact.org (no need to enroll directly - Golden Rule will submit your dues to FACT). Estimated Premium does not include the mandatory $3 per month dues for FACT membership. FACT membership is not required in every state. Please see the product information for details.

• The state of Georgia requires that we offer an optional benefit for mental disorders that is different from (and if selected will replace) the benefits already in the policy. The cost of this optional benefit is approximately 15% of your base medical premium rate. The benefits and limits of this optional coverage are: Inpatient diagnosis or treatment is limited to a maximum of 30 days per covered person per calendar year and outpatient diagnosis or treatment is limited to a maximum of 50 visits per covered person per calendar year. If you are interested in this optional benefit please contact your insurance broker for the exact premium rate and benefit details. Not available with Copay Saver, Saver 80, or HSA Saver plans.