Freedom Life Insurance Company of America

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

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

We purchased Freedom Life Insurance (Health Coverage) a little more than years ago and bought an extra dental policy for my daughter Emily Within the last month we wanted to use it for the very first time and when we called they said we were covered with Carrington DentalWe called them and they have no record of us at all? We have gone back and forth many frustrating times with no successSo I paid $a month for a policy that does not existCan I request I get my money back? If so how do I go about it? If not, how can I slam this companies Revdex.com rating? This has been a rip-offCan I get a refund from this company for $since I really never bought any product services? I thank you in advance for any advice you can give [redacted]

I understand that as a consumer you should always read everything before you give someone money and the fault lies solely on me I did not and learned a $mistake That being said legal what Freedom Life Insurance/US Health Group sold me is 100% okay but ETHICALLY AND MORALLY it is wrong The First question I asked about my "policy" was will this plan steer me clear of the IRS penalty and I was told yes at the time of purchaseNot only will I be penalized but I also still need health coverage They sell what sounds amazing at $a month but after my claim was denied for a non emergency room visit to the doctor I read through the four 30+ page documents and there are catches And I quote "The coverage under this policy does not cover ACCIDENTAL INJURIES OR PROVIDE MAJOR MEDICAL MEDICAL INSURANCE, AND IS NEITHER MINIMUM ESSENTIAL COVERAGE UNDER FEDERAL LAW NOR WORKER'S COMPENSATION INSURANCE UNDER STATE LAW THIS POLICY PROVIDES ONLY DEFINED SICKNESS AND ILLNESS INSURANCE COVERAGE THAT PAYS IN ADDITION TO ANY OTHER IN-FORCE COVERAGE IF INSUREDS DO NOT HAVE MINIMUM ESSENTIAL FEDERAL LAW, AN ADDITIONAL PAYMENT WITH THEIR TAXES MAY BE REQUIRED." and THE FACT THAT A PROVIDER PRESCRIBED, ORDERED, RECOMMENDED OR APPROVED A SERVICE, SUPPLY, TREATMENT OR CONFINEMENT DOES NOT IN AN OF IT SELF MAKE IT MEDICALLY NECESSARY OR A MEDICAL NECESSITY Is this stating just because a doctor did any of the above Freedom Life ultimately decides just how medically necessary any procedure or is Ever see the move Rainmaker?......same thing At the end of the day I feel as if the wool was pulled over my eyes...who in their right mind would pay almost $a month for non-AHCA compliant insurance Read read read

In August of 2016, I was contacted by a representative by the name of [redacted] , soliciting health insurance With interest I scheduled an appointment with Mr [redacted] During the appointment Mr [redacted] brought along a colleague for discussion regarding health insurance options for my Fiance and I I specifically discussed with Mr [redacted] my concern to obtain both emergency and catastrophic coverage Both Mr [redacted] and his colleague confirmed their understanding of my concern for such coverage As such, they set up a program for both my Fiance and I to include such coverage Fast forward to March of 2017, at which time my Fiance - [redacted] * [redacted] was dining at a restaurant in PA and chocked on a piece of steak As a result he was transported to the local hospital It was determined that surgery was necessary in order to dislodge the object This incident resulted in a well over $6,in hospital, surgeon and related bills Upon receiving invoices from

Misleading advertising/broker Described her "Cadillac of Insurances" at our meeting Promoted product as DrVisits a year and moved on to all the wonderful benefits Never ONCE said you can not go to Drfor wellness exam and immunizations Only time I took my kids I was charged $- zero coverage Never presented "certificates" as accident only Shameful No, I did not read the plus page document, I read her email and trusted her Policy does not identify well visits as covered Also does not identify as not covered Obama Care Act covers this - so I assumed and they left out Feel as though I have been scammed We spent a great deal of time talking about well visits To top it all off, company (Freedom) will not bend or negotiate They told me to call the agent I emailed first, no response Then texted REceived a text back that she was in a bad car accident and by law was unable to help I asked for a different agent or supervisor, no reply See belo

I had signed up for insurance for my husband with this company as my son and I are covered theough my employer and silly me researched after I had signed him up for it I called to cancel and even did a stop payment at my bank so it cpuldnt come out the sales rep, michelle h [redacted] , got downright nasty with me about my decision to not be with them weve owed money to the irs in the past which drove us into a bankruptcy so once I learned id be penalized for not having insurance for husband and having this freedom lofe, I wanted no part of it and she started talking down to me and kept insisting id just mark yes on my tax papers that I did indeed have insurance she got nasty and ugly and ill never consider doing business with scam artists again im glad I didnt cancel his bluecross blueshield

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

I am the *** of [redacted] *** a (non -profit company providing residential services to adults with developmental disabilities) We were looking for health insurance coverage plans for our employeesWe reached out to an agent for Freedom Life and he was working with us to figure out what plans might work best for our agencyUltimately we decided that we would not be interested in the coverageIn December of Freedom Life insurance took a monthly premium for an individual from our company bank account without any authorization They then refunded the funds by check to our employee personallyThank God she is honest and she gave the checks to management to deal withAfter months of back and forth phone calls/ mail/faxes/emails etcand promises that refunds checks were in the mail we have yet to see check refunding our money that was NEVER authorized to be withdrawn in the first place

I had purchased health insurance for a monthAfter a month they did not cancel it and I got charged for the next month tooI have been trying to contact them since September when my policy was canceled and I have not received my refund check stillEvery time I call up customer service they just say you have to wait for days to receive the checkIt's been days now and I have no signs of receiving the check yetI feel a lot of people are getting scammed like this and are not receiving their refund checks I am owed $Though the amount is not huge, I still want to report this and resolve the matter as this should not repeat with any other customer

I have been paying for their insurance for months nowThey told me my effective date was November 1, I went in for a [redacted]  in February and received an Explanation of Benefits in the mail stating that they won’t cover the pathology billStated that there was a month waiting period for thisWhen I started paying for their insurance, I was told by the man who sold me my policy, [redacted] , said I was able to use it from November 1stI would never have used this insurance if I would have known about the waiting periodOr I definitely would have waited the six months before going to find out if I have [redacted] But none of the wait time was expressed to meWhen I called the company, the woman stated that I should have called them and there was nothing they could do because I signed a contract

I spoke with a [redacted] who I specifically told I am young and don't understand insurance and need insurance for my baby that I was having in a couple of monthsHe took advantage of the fact that I have no knowledge of insurance and barely knew what I was doing and told me the coverage would be perfect and covers wellness visitWell that was a lie I took my month old to the doctor and thought everything would be fine until I received a $bill that I can not pay since I am single mother and overdrawing just to pay this insurance which I then learned then only cover sick visitI then called to cancel the plan on 4/and ask for a refund for the last months since I have not used the insurance since January in which they will only give a prorated check that will supposedly come in the mail in days but who knows how much for and you only can get a full refund if you hand write a letter to their consumer department in which they have no phone number so your refund check and

I started paying for cancer insurance on 06/07/for my familyI have paid $every month and all of a sudden I quit receiving my noticesI have sent letters to them without an answerI need to know if I still have coverage and why my statements quit coming

The service says they are insurance but when asked about covering a well visit for my son all of a sudden they are a discount for physicians I asked specifically if they covered shots and well care visits and I was told yes they do Now I am stuck with a bill for services that I was told was comprehensive coverage They advertise falsely and should not say they are an actual insurance company My husband [redacted] called and they said they were insurance and then when asked about covering shots they said they are a discount company dollars a month for a discount is ridiculous

I asked if ADD was covered before obtaining insurance I was told it was, twice Once my son went to the doctor, the visit was excluded from coverage because they classified it as a mental health issue In the Mental Health Parity Act mandated the employer plans cover mental-health services at the same level as medical and surgical services The ACA extended the parity to individual plans So even though I disagree that ADD is a mental health issue, it should not have been rejected At this point, I filed a complaint I was referred to [redacted] Division Sales Leader On the phone he agreed to refund me all money paid into the insurance However, later he claimed he never said that He admitted that there were "areas they fell short" and apologized He retrained his agents on ADD and ADHD and had my policy mailed to me (the address was incorrect, so I never received it even though I called to get it corrected) Through the frustrating back and forth I r

Took money out of my account before they were allowed toweeks early to be exact.These guys are the worst I've ever had to do business with It took over a week to argue my refund and still have to wait days for a check when they did a withdraw from my bank account and put me in the negatives and overdrawnI was told Maybe I'll get half of what they tookCustomer service has no answers for you , just excuses and I got hung up on a cpl of timesI had to pay over $for being overdrawn for a week eating for them to put that money back in my account...$total they took from me...RAPE !

I am the *** of *** *** *** *** *** a (non -profit company providing residential services to adults with developmental disabilities) We were looking for health insurance coverage plans for our employeesWe reached out to an agent for Freedom Life and he was working with us to figure out what plans might work best for our agencyUltimately we decided that we would not be interested in the coverageIn December of Freedom Life insurance took a monthly premium for an individual from our company bank account without any authorization They then refunded the funds by check to our employee personallyThank God she is honest and she gave the checks to management to deal withAfter months of back and forth phone calls/ mail/faxes/emails etcand promises that refunds checks were in the mail we have yet to see check refunding our money that was NEVER authorized to be withdrawn in the first place

We purchased Health Insurance for Our Employees We were told it covers all health issues Only to find out it is not a qualifying Health Insurance Coverage I was totally Misled This plan I was told covers all doctor visits, specialists, emergency, major medical, prescriptionsIt does NOT!!! After I purchased it and the employees tried to use it did I find out Then the Agent said well it is all in the fine print I sat with this guy for hours asking questions, telling him what we wanted, only to find out the requirements by law are not even met, even though I was told this does meet the requirements Once I became upset and question the legalities of this, my calls were no longer answered Then I find out this Insurance Company has no policy that meets the guidelines for health coverage I wasted my money, employees money, my time, and worst my employees have bogus health insurance and cannot get coverage, now they are filing for Welfare and Medicare and charity Fraud a

The service says they are insurance but when asked about covering a well visit for my son all of a sudden they are a discount for physicians I asked specifically if they covered shots and well care visits and I was told yes they do Now I am stuck with a bill for services that I was told was comprehensive coverage They advertise falsely and should not say they are an actual insurance company My husband *** called and they said they were insurance and then when asked about covering shots they said they are a discount company dollars a month for a discount is ridiculous

I spoke with a *** *** who I specifically told I am young and don't understand insurance and need insurance for my baby that I was having in a couple of monthsHe took advantage of the fact that I have no knowledge of insurance and barely knew what I was doing and told me the coverage would be perfect and covers wellness visitWell that was a lie I took my month old to the doctor and thought everything would be fine until I received a $bill that I can not pay since I am single mother and overdrawing just to pay this insurance which I then learned then only cover sick visitI then called to cancel the plan on 4/and ask for a refund for the last months since I have not used the insurance since January in which they will only give a prorated check that will supposedly come in the mail in days but who knows how much for and you only can get a full refund if you hand write a letter to their consumer department in which they have no phone number so your refund check and