Does Golden Rule Insurance Cover Mental Health? 
Golden Rule is a subsidiary of United Healthcare . Golden Rule issues individual major medical plans in select states . Most of the policies do include mental health benefits as required by your state department of insurance . In some cases you may `` buy up '' from the standard mental health benefit to an enhanced plan . The enhanced plan , where offered , replaces the usual limited benefit mental health benefit with one that treats mental health as `` any other illness '' . 