Co-pay High Deductible Health Insurance

Designed for individuals and families, our co-pay plans are more like traditional employer plans with a copayment for routine health-care expenses. When you use a network doctor for an office visit, insurance pays 100% of history and exam fees after a $35 co-pay with Co-pay Select. Office visit expenses outside your network are not eligible for copay benefits.

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Health Insurance Plan Features

Lower Premiums

With high deductible plans, you're keeping more of your money and taking responsibility for covering minor or routine health care expenses – if they come up. The higher the deductible, the lower your premiums.

Saver 80 is the lowest premium plan. This plan provides coverage for hospital confinements, surgical procedures in or out of the hospital, and the more costly outpatient expenses, such as CAT scans and MRIs.

Simple to Use

Golden Rule's top-selling high deductible plan – Plan 100 – pays

Comprehensive Coverage

• You choose $3 million or $5 million lifetime maximum benefit per covered person.
• Plan 100 and Plan 80 include preventive care and child immunizations with no waiting period (first-dollar coverage available).
• Add optional benefits to increase coverage.