Networks change. We verify your specific Golden Rule Insurance (UnitedHealthcare) plan before your first visit; call with your member ID and we will confirm benefits, copay and any referral or authorization requirements.
Also appears on cards as: Golden Rule, UHC Golden Rule, Golden Rule Insurance Company, UnitedHealthOne.
Golden Rule Insurance Company is the UnitedHealthcare subsidiary that underwrites individual and family products sold outside the Affordable Care Act marketplace, including short-term medical plans, hospital and doctor fixed-indemnity plans and supplemental coverage marketed under the UnitedHealthOne name. These products are popular with people between jobs, early retirees waiting for Medicare and self-employed Floridians and South Carolinians who missed open enrollment. Coverage of mental health varies widely by product. Short-term plans typically cover outpatient psychiatry only within stated limits and often exclude pre-existing conditions, while fixed-indemnity plans pay a set amount per visit rather than a percentage of the bill. Most Golden Rule products use the UnitedHealthcare Choice Plus network, and referrals are not required to see a psychiatrist.
Telehealth psychiatry is typically covered on the same terms as an office visit for the products that cover mental health at all, provided you are located in Florida or South Carolina during the appointment. For Deep TMS and Spravato, prior authorization typically runs through UnitedHealthcare and Optum under the same clinical criteria used for UnitedHealthcare commercial plans, which include major depressive disorder, failure of at least two antidepressant trials and a current severity score for TMS, and treatment-resistant depression with a concurrent oral antidepressant and REMS-certified administration for Spravato. Because many short-term plans exclude or cap these treatments, our staff review your policy's schedule of benefits before submitting a request, so you know your likely out-of-pocket cost before treatment is scheduled.
What we check before your visit
- Whether your plan is in network at the office you chose and for telehealth
- Your copay or coinsurance for an evaluation and for follow-ups
- Whether a primary-care referral is required (common with HMO plans)
- Prior-authorization criteria for Deep TMS and Spravato, if those are being considered
Frequently asked questions
Does Stedfast Psychiatry accept Golden Rule plans?
Stedfast Psychiatry accepts Golden Rule products that use the UnitedHealthcare Choice Plus network at our Florida and South Carolina offices. Because Golden Rule sells several different product types, the benefit for psychiatry varies by policy. Send us a copy of your card and schedule of benefits, or call member services, and we will confirm coverage before your first visit.
Does my short-term Golden Rule plan cover mental health visits?
Many short-term medical plans cover outpatient mental health within a visit or dollar limit, and most exclude conditions diagnosed or treated before the policy began. Some plans do not cover mental health at all. Your policy's schedule of benefits states the rule for your plan. If coverage is limited, ask about our self-pay evaluation at $185.
Is telehealth covered under Golden Rule?
Golden Rule products that cover outpatient mental health typically cover video psychiatry visits on the same terms as office visits when you are physically located in Florida or South Carolina during the appointment. Fixed-indemnity plans pay their scheduled per-visit amount regardless of visit type. Our staff can confirm how your policy treats telehealth before you book.
Will Golden Rule cover Deep TMS or Spravato?
It depends on the product. Where interventional treatments are covered, prior authorization typically runs through UnitedHealthcare and Optum under their standard clinical criteria for treatment-resistant depression. Many short-term plans exclude or cap these services, and fixed-indemnity plans pay a limited amount. We review your schedule of benefits and give you a written estimate before any request is submitted.