ZANA Network is happy to be able to connect members in 30 states across the U.S. with health coverage through UnitedHealthcare's Golden Rule Insurance Company, a major provider of health insurance for individuals and families. Golden Rule has made it possible to have affordable healthcare by providing affordable health insurance options.

A leader in the individual health insurance market for 60 years, Golden Rule has a wide range of health insurance plans available to ZANA Network members that include health savings account (HSA) plans, other high-deductible plans and traditional co-pay plans. Golden Rule is an innovator and leader in the individual health insurance market, known for outstanding service - processing more than 90% of all health claims within 10 working days or less.*

Importantly, for those SMEs who have remained uninsured because they thought they could not afford health insurance, "Saver" options within each type of Golden Rule plan feature the lowest premiums. The "Savers" provide customers with protection from the more costly medical expenses that can break a family's budget, like hospital stays, outpatient surgeries or CAT scans. Premium costs are lowered by limiting the amount of coverage for more routine expenses, like doctor visits.

Network discounts on health care can translate into even more savings and reduced out-of-pocket expenses for Golden Rule customers who will have access to UnitedHealthcare's extensive national network of physicians and hospitals in most areas.

Golden Rule helped pioneer HSAs, which combine a high-deductible insurance plan with a tax-favored savings account. Golden Rule customers typically save 45-55 percent or more in premiums by choosing an HSA plan over a more traditional plan. In addition, HSAs offer triple tax advantages: the savings go in tax-deductible, grow tax-deferred and can be withdrawn tax-free as long as they are used for qualified medical expenses including vision and dental.

Today, 40 percent of Golden Rule customers are covered by HSA plans, and its customers have accumulated more than $165 million in their savings accounts. One-third of customers purchasing HSAs from Golden Rule in 2006 were previously uninsured.

*Actual Golden Rule claims processing results, 2006.