What is GoldCare Insurance?

GoldCare Insurance is a medically underwritten accident & illness insurance plan designed to provide coverage for serious, unexpected healthcare needs.

How does the deductible work?

GoldCare uses a simple, event-based deductible structure: $3,000 deductible per medical event, applies to up to 2 events per year. After that, the plan covers eligible medical costs. Your maximum exposure in a year is typically $6,000.

What counts as a medical event?

A medical event is a significant healthcare need such as: hospitalization, surgery, emergency care, or major diagnostic procedures. Each separate condition or incident is treated as its own event.

What happens after I meet my deductible?

Once your deductible is met for an event: the plan pays for eligible medical expenses, coverage continues up to the policy maximum, and care is coordinated through the navigation team to manage cost and quality.

Is this real insurance?

Yes. GoldCare is a real insurance plan. It includes: defined coverage, underwriting, structured benefits, and a clear deductible.

GoldCare does not use traditional insurance networks. Instead, it uses a care navigation model to help you find high-quality providers, confirm pricing in advance, and avoid unnecessary or inflated costs. This approach gives you more flexibility while controlling expenses.

Can I go to any doctor or hospital?

For emergencies, go directly to the nearest ER. For non-emergencies, care is coordinated through navigation to ensure the best outcome and pricing.

What is care navigation?

Care navigation is a support system that helps guide your healthcare decisions. The team helps you find the right doctors and specialists, understand your coverage, coordinate care, and avoid unnecessary costs. It simplifies the process and improves your overall experience.

Are pre-existing conditions covered?

Yes, with a phased approach: Year 1 - Not covered, Year 2 - Covered up to $25,000, Year 3 - Covered up to $50,000, Year 4+ - Covered up to $125,000 annually. This structure allows the plan to remain stable while still providing a path to coverage.

What is the maximum coverage?

GoldCare provides $1,000,000 lifetime maximum coverage.

Does this cover routine or preventive care?

No. GoldCare is designed for major medical events. For everyday healthcare needs, many members pay cash (often lower cost), use Direct Primary Care (DPC), or use telehealth services.

Are prescriptions covered?

Prescription coverage is limited to medications that are administered during inpatient care or part of a procedure or treatment. Retail and maintenance medications are not included.

Common exclusions include: routine physicals and preventive care, maintenance prescriptions, elective procedures not medically necessary, inpatient psychiatric hospitalization, and experimental treatments.

Eligible members are ages 18-64 and must qualify through medical underwriting.

Can I keep this plan long-term?

Yes. The plan is guaranteed renewable (subject to policy terms) up to the age limit.

How is this different from traditional insurance?

GoldCare is designed to be simpler with clear deductible structure, lower cost focused on major events, more transparent with pricing coordinated upfront, and more guided with support through care navigation. Traditional plans often include higher premiums, complex billing, and less guidance.

Is this ACA-compliant?

GoldCare is not structured as a traditional ACA major medical plan. Some members choose to pair it with additional coverage options depending on their needs.

How do I get started?

Review your personalized pricing and plan details. Click below to enroll, it only takes a few minutes.

Still have questions?

We're here to help. You can speak with a licensed representative to review your situation, compare options, and get personalized pricing.

Have you ever fought an insurance company?

For decades, people have been trained to tolerate terrible insurance—high premiums, poor coverage, endless denials, and adversarial customer service. Most accept it because they believe they have no choice.

GoldCare Insurance was built on a different premise.

Instead of layering complexity on top of dysfunction, we emphasize simplicity, transparency, and direct relationships—the same principles people rely on when making serious decisions everywhere else in life.

Members can see where their money goes, choose who participates in their care, and understand how decisions are actually made.

This way of thinking isn’t radical. It’s just been pushed aside as healthcare became centralized, corporatized, and opaque.

Overpaying Isn’t Smart. Going Without Isn’t Either.

Traditional health insurance means overpaying for the value you receive. It’s no surprise that many—especially younger adults—choose to opt out altogether. That’s a rational response to a broken system.

But having no protection at all carries real risk.

The answer isn’t more insurance—or no insurance. The answer is smarter insurance.

GoldCare Insurance is designed for people who want real access without the waste, distortion and opacity of traditional plans.

This is the exact model Dr. Simone Gold uses for her own care. Now it’s available to you.

Boldly Going Where No Insurance Has Gone Before.

Insurance, Reimagined–From the Inside Out.

GoldCare Insurance is insurance that is fundamentally better aligned with patients. That is a bold claim—and one we make with seriousness and integrity.

It was built by Dr. Simone Gold, using the same approach she has relied on personally for over two decades as a physician navigating the healthcare system from the inside.

Traditional insurance has drifted so far from its original purpose that there is often little connection between what people pay and what they actually receive.

GoldCare Insurance removes unnecessary intermediaries and opaque administrative layers, replacing them with clarity, flexibility, and direct decision-making about how care is accessed, delivered, and paid for. Interested in a smarter approach to insurance? Get early access to GoldCare Insurance.

GoldCare CEO Dr. Simone Gold posing for a portrait

Rates 2026

GoldCare Insurance

Age Range

Member
Only

Member
+ Spouse

Member
+ Children

Family

18-39

$190

$339

$343

$527

40-49

$216

$339

$387

$495

50-64

$331

$557

$561

$700

$3000 Dollar Deductible

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