Freedom Life Insurance Company of America

This is a horrible insurance option; they don't tell you that they only cover TWO VISITS per year and UP TO $per visit, so if you need a referral....you're done
I paid almost $400/month for $worth of coverage Cancelled as soon as I decided that paying cash for anything I may need would save me thousands And the "Affordable Care Act" as another option? Yah, what a joke.....first I made too much money to qualify and now that I've been laid off, I don't make enough Go me Can't wait for November

This company helped me and my family save a lot on our health insurance costIt is easy to use, especially with the CallMDThis saves me from wasting hours at an urgent care when I need any RxThe dental is great with the cleanings per year and 100% on all preventativeMy wife really loves thatI can't say enough positive, our agent is always available to help out if I have a question

Obtained health insurance from this company in October Despite repeated requests, I never received a copy of my policy At the time of my initial conversation with the sales rep for Freedom Life, I was advised that, in addition to general health insurance coverage I was covered for days in the hospital with no deductible; I was covered for ER visits with a $20-co-pay After days in the hospital I would be covered on an 80/rate On 1/11/16, my PCP told me to go to the nearest ER due to extreme high blood pressure I went to an "in-network" ER/hospital where, after hours in the ER I was admitted to the hospital for additional testing In using an in-network hospital, I believed my health insurance would pay for my hospital expense and ER expense I subsequently was informed by Freedom Life that they only paid $1,000/day for "room and board" at the hospital All other charges were "miscel***ous charges" which they refused to pay: a Total of over $28,for

I have had this coverage for my family for about months nowWe have medical, dental and vision coverageWe got to use it a couple of times now, I love the CallMD feature that gives me access to a doctor 24/and it was built into my planMy year old daughter needed blood work done and we did have an issue where Labcorp send us a huge bill for $1,653, so I called Freedom LifeThey quickly stated that it was wrong and reviewed the fileThey had Labcorp correct their billing and all we paid was $
We are a family of happy healthy customersIf you can qualify for a Freedom Life plan, you would be stupid to go with Obamacare

I applied for a family health insurance plan my me, my wife, and my son My wife was the only one approved fully, I was not approved and my son was approved excluding a preexisting condition, Asthma So they automatically signed up my wife and my son without specific approval and I was not able to cancel for them even though I was the one who applied for my family They are making my wife call to cancel even though we never wanted insurance just for her, we wanted a family plan

Useless company, I got a piece of metal blown into my eye went to the emergency room and had it removedThey claim that that type of injury is not an accident! I have gone around with this company since October of I guess they must think a foreign object in your eye must either be self inflicted or an illness but NEVER accidentalNext stop is attorneyAfter I contact state of FloridaThis is why you need state regulation of insurance companiesI'm also going to file a fraud case against this WORTHLESS COMPANY

June I was admitted to the hospital for surgery I spent day in the hospital and was released when the bill was submitted to Freedom Life there was excuse after excuse as to why they were not paying the bill as of June 30/this has not been resolved I contacted the company and was told they had paid $for the hospital stay nothing was paid on the surgery recovery room etc they only paid for the hospital room .I call the agent that sold me the policy and inquired about what should be paid and according to my policy which is the silver policy .all the above is covered now I have to convince the collection agency to give me time to resolve this matter and not take me to court .I also was told to file an appeal to the insurance company ,wonder how long it will be before I hear from them this time another year I do not recommend this company

I purchased health coverage from USHealth Group Freedom Life Insurance Company of America a member company of USHealth Group MY PPO Network is Cigna PPO and my Pharmacy Network is CVS/Caremark
I went to CVS/Caremark for a flu shot The pharmacist spent an hour trying to find my PPO Network and insurance coverage My member ID number on my insurance card is *** I also brought a letter from Freedom Life Insurance Company of America notifying me my rates were increasing The letter listed my coverage as Premierchoice Sickness and the Insurance Coverage Plan number *** and the Medguard number ***
I believe Freedom Life Insurance Company of America is making it difficult for medical providers to review policy information for claims and services Has anyone else complained about this issue?

I signed up for Health Insurance with US Health Advisors, during the enrollment process I was informed that I was obtaining genuine health insurance that would cover the same thing that the health insurance I was currently enrolled in would cover, but without the deductibleI was informed that the health insurance that they were selling me was insurance that I could replace my current health insurance that I had acquired through the Marketplace with
After purchasing the insurance we had to take our two kids to the doctor's office to get them their yearly shotsAfter taking them to the doctor we received a bill for the entire doctor's bill minus a small "Provider Discount"I have since spoken with my sales person who informed me that they will not pay the bill because they said the doctor billed it as an annual physical which they said that they told me their insurance didn't coverThe problem is I have looked at the bill numerous times and it was not billed as an annual physica

This place is a scam! Sales guy told me a bunch of lies and now they dont even cover my year old sons shots

I am receiving 20+ calls a day from this company, this is ridiculous

I purchased health insurance through this carrier, understanding the coverage to be standard as there were no red flags of "routine services" not being covered, otherwise would not have purchased this planUpon visiting the gynecologist for an annual exam, I received a bill for $I called the company and was transferred to several departments to dispute this claim and was then transferred to a supervisor who was very unprofessional and rude over the phoneIn fact, she hung up on me and was being extremely condescendingI politely and professional explained my concern and misunderstanding that the plan I had did not cover routine services, but also explained that this was not explained to me during my purchaseAs with all plans, my benefits were mailed to me, but did not think I should check if a routine visit to the gynecologist would be covered or notI understand this is my fault, and would not have scheduled a routine/annual screening if I understood I would be the fully

Total fraud of insuranceInsurance guy told me he sold me the one policyHe signed me up for the policy below which has zero benefitsAlso insurance was only x amount a month and I was paying to be a member of some membershipThought the membership was free and the insurance was more expensiveStuck with in bills for doctors appointments and labs because I was signed up for the wrong policyInsurance guy pretty much called me a liar, when now I have all the documents that prove I am rightAnd what does he do??? Absolutely nothing...run away

I was sold Health Insurance after paying this company almost years I am stuck with one 7,dollars worth of bills for preventive colonoscopyThe hospital called insurance company they said it would be coveredNow I have ben denied saying equipment and medical suppliesPathology lab not coveredHow can they cover a colonoscopy but not cover equipment usedthis company has scammed us basically Stole my premium for the last years!!!

I recently decided to go with Freedom Life Insurance a member company of USHealth Group, Inc., policy number ***
I spoke with Susan R***, she was the person who contact me to start a new health insurance policy She assured me that I would have insurance for my yearly women exam (pap smear), plus I would not have to pay anytime including deductible
I made two appointments, one to see my general practitioner for check my high blood pressure, I was told that I need to pay $50, since my insurance will only pay $and the rest of the balance I would need to payAlso, while waiting for the doctor I received a call from my other appointment with DrD* *** *** (Gynecologist), they informed me that they called my insurance to verifiy policy and was told they do not cover for pap smear
I called Susan twice left voicemail, she finally emailed me the next day explaining the policy and apologizing for my misunderstandingI then called Member Services at ###-###-#### spoke with a Michael, advise him that I wanted to speak to a manager and told me they were not available and if I wanted to leave my cell phone number, which I did and I never received a call back

I had this insurance for a few months and it was good until I actually went to a doctorThis plan either not covering most procedures or for those that it's covering (partially) you will pay much more than if you have no insurance at allI had to pay for pretty simple blood test almost $If you pay cash it cost $MRI and ultrasound it did not cover
Also, keep in mind that this plan does not cover anything majorIf something happens to you then you have to activate an additional payment plan (you can imaging how much it will be per month)
I was lucky that I discovered pretty quickly what a SCAM this plan isYou can end up in thousands dollars debt for the medical bills if something major happens
The agent did not disclose lots of informationAll what he cared is his commissionsHowever, it was my fault as wellI had to do a research about this Freedom Life Insurance Company before signing up

I feel this company is very misleading and untrustworthyI had a representative explain their healthcare policy and helped me get signed upHe said I would receive my paperwork explaining the full benefits of my plan in a few weeksHe made the insurance sound amazing and explained my policy would cover accident protection, serious illness plan, specialists, and no referral neededI was also told that my deductible was $and I would never pay more than that out of pocket When people sign up for insurance they hope they never need it, unfortunately I didI had to see a specialist and surgery was recommended ASAP, I had surgery a few days laterI got home from the hospital and started receiving Explanation of Benefits from the company denying coverage for anythingMy specialists visits were denied because their offices were located in a hospital/out patient facility even though my agent said specialists were covered 80/Nothing was mentioned about locationA week after my

The agent told me that he upgraded my policy to doctor visits per year, instead of because that would not work for me He didn't fulfill his promiseHe also did not tell me the maximum benefit the insurance company will pay out per year is $My premium is $for the year Which makes no sense what so ever, and was misrepresentedI was not explained this in the least
Regards

We purchased insurance from this companyThe agent *** *** told us that we would be able to see a doctor times each a yearHe also stated that there would be little to no out of pocket expenseHe never once told us that the insurance company would only pay $per visitHe informed us that emergency rooms were covered as was Urgent Care ClinicsAfter having to take my husband to an ER on a weekend we received a statement saying they would only pay $the total bill is $I used the insurance to visit a doctor and had to pay $out of pocketWe were never told we could only use the insurance times a year nor were we told that ER's weren't covered or were Urgent Care Clinics We asked the agent point blank if we could use ER's and Urgent Care Clinic's as my husband was a self-employed business ownerHe stated we could use the insurance any place in the country Had he told us the truth about the coverage we would never have bought this insuranceH

I have been a member with them for around monthsI love my dental product and the association Best coverage I've ever hadAnd I have a wonderful agent through US Health Advisors Mike M in orlando Thank you so muchI will be with this company for life