Freedom Life Insurance Company of America

Horrible companyI paid for a year without having any claimThen when I actually needed it I was dropped without notice and then wasn't allowed reinstatement for having high blood pressureA condition which I was diagnosed with while under coverageNow any attempt for another insurance is going to be a pre-existingThey have screwed me for making a claimWill not use them againStay away

I purchased what I was told was a health insurance plan from Freedom Life Insurance that started 6/19/ I was not told by the person who sold me the policy that it was not a ACA compliant health planI had to discover this on my ownWhen I did discover this information on 9/20/I made an immediate call to the companyYes, it is not ACA compliant health plan, and she said there is ways you can get around the ACA feeI told her no there is not, and I asked for a refund and the lady I was talking with would only offer me a prorated refundEven though I have never used my insurance since purchased in June, I told her I would like a full refund for services never used and the fact I had been mislead for monthsShe flat out told me " It's not my problem you're only calling us about this now." Well yes, I'm only calling now because I just found out that your plans are not ACA compliant like I was lead to believe they wasI asked her to transfer me to a supervisor, and sh

My compliant: After my recently deceased husbands' insurance lapsed, I had to find another insurance company to comply with the federal requirement that I have health insurance In Feburary 2017, I signed up withPremierSeries/ Freedom Life Insurance Company of America.(UCA) Waiting period is daysDuring my extensive conversation with the agent, I asked pertinent questions concerning "ALL" my drs coverage under the PremierSeries/Freedom Life Insurance Company of America(UCA)I was repeatedly told that "ALL" my drs were covered under this plan and it was a nationwide coverage In March 2017, I started making an appointment for a visit to my dr and since my deceased husbands' insurance had lapsed, I needed to tell them of my new insurance They had never heard of this companyI used the name on the front of the card and since the billing name is Premier Series, (Freedom Life Insurance Company of America is not the billing name, confusing) it was the first I used The pers

My name is JW I recently had an experience with Freedom Life that I did not expect I have had their Association Benefit Plan This plan pays in addition to accident coverage pays $a day if in the hospital We have a son that is now months old now and when he was born I did not add him to this plan Unfortunately, my son got sick and has been put in the hospital for a while and looks like he will be in for a few more weeks Since I did not add him to my policy he would not receive the $a day benefit I contacted my agent and he was able to discuss this with Freedom Life and they added my son to the plan and back dated it to before the hospital stay which means that I will get the $a day benefit This is huge for us as my wife and I have to take a lot of time off and we don't earn an income when we are at the hospital with them I have never seen or even heard of a company that would back date something and costs themselves money Come on, what company in today's time does things like that?

we bought a policy from freedom life, paid over a $a month for my husband and Iwe had major medicalfirst year wasn't bad, but wasn't sick that muchsecond year since we weren't that sick, they wanted to lower our premiuminstead they changed our policy without our permissionmy husband got sick and needed cat scan and another test ranI was with the lady who called them to have it pre approved, heard it myself, it was approvedhad the test done, ended up with over $in doctor billssuppose to be 80/policythey paid $hospital has waited days on this company to paythe agent has avoided my callsthey are a scambeware

For the last years my husband went to a Urologist in Galesburg Illinois Once I got this insurance, we were told his Urologist was not in the networkSo I called and found one in their networkOn May 18,my husband went to the new UrologistBetween office visit and labs it cost Then on May 25,he had a CT scan and more labs doneThis time it cost This insurance company never paid a dime on either of these two visitsWhat is the purpose of having insurance if they dont pay anythingThey should of least pay on lab work and CT scansBoy they seen me comingin fact they are the ones who called me about getting insurance I didnt contact themFirst thing tomarrow I will be canceling this insuranceWhy should I pay a premium every month if they dont pay anything on it

The company I am dealing with is a billing night mareFreedom Life Insurance/ US Health Administrators LLC
First they never sent invoices and canceled my policy that they admitted was there fault
The invoices that they do send arrive with due payment including mail time of less than a week and policy default
After paying multiple month paymentsi receive notice that additional payment is due or cancelationAfter a minimum of phone calls hours on hold are unable to find my paymentsAnd still tell me I owe for months I have paid for and have the canceled checks to prove it
I am at a loss and have no other recoursePLEASE HELP and notify anybody that this company is a total scam!
At this point all I need is for them to do what I have paid for and make sure I have coverage till the end of December
As I have found a real heath care organization for the next years

Freedom Life failed to communicate to me that I was purchasing a non-compliant ACA plan If I had know I would have never purchased the plan I lost thousands of dollars from not knowing

I was sold a policy that I believed was ACA compliant The Freedom Life Cigna PPO First of all, the representative I dealt with told me I was ready to go once I got my insurance cars and I even texted him to confirm So I go to an Urgent Care because I was not feeling well It is now going to cost me almost $400! I have also recently found out that I will now have to pay a penalty on my taxes since I have been on this plan for over months and not ACA Compliant! When I try to reach out to the representative, he has very limited responses but never tries to solve the problem AVOID THIS COMPANY LIKE THE PLAGUE unless you just want to have a coupon for doctor visits!!! It is basically just a discount card that covers nothing I am not sure how people can work for this company without a conscience they are just scamming people

I signed with this company during open enrollmentThe agent told me that since I was healthy I could qualify for a plan that has no deductible, sounds good right! I did not find out until I tried to use the insurance that it does not cover wellness visits or immunizations for children, and ended up paying $400+ for shots I was told the plan would coverWhen I called the Agent that signed me up I could not get her to answer my questions completely and she would rush off the phone, when making attempts to reach her again for clarification I was meet with silence! What was being described to me sounded great but in the end I spent more with this plan then I would've spent just paying my deductible with an Obamacare plan, at least the things I needed plus prescriptions, wellness, and preventative care would've been covered! What a disappointing waste of time! After further exploring I found out that the agents are paid commission and will say anything to get you to sign and them to get a checkPlease read and do your research before aligning with anyone!

I purchased a health insurance policy that included a no deductible for doctor office visits and a $deductible for surgical procedures Premium payments were all paid current Upon seeking approval for a surgical benefits, the company declined the benefit coverage and requested that I purchase an additional Surgery Rider The Rider cost was equal to the cost of the surgery as previously submitted for approval The sales practice of this company misrepresented what was purchased in addition to being baited and switched by requiring an additional policy required to cover benefits that was originally purchased

Re: Policy/Certificate Number *** *** ***
On April 18,I spoke with Erika G** of Freedom Life Insurance Company Of America about obtaining replacement health insurance coverage due to me changing employersI was employed with my previous employer for years and always had group health coverage
Upon speaking with Freedom Life Insurance Company Of America and informing her of my insurance needs, she proceeded to conduct an interview asking me several questions related to the type of insurance coverage I had with my former employer in an supposed effort to find me an insurance policy with comparable coverage as what I had beforeA policy was underwritten for me through Freedom Life Insurance Company Of America on April 26,I have paid months insurance premiums of June 1,and July 1,
Because the premiums were higher than I anticipated, I began shopping for cheaper coverage in August through the Affordable Care ActThe representative

I just signed up for health insuranceThey told me two different quotesThey also said they had a good rating from the Revdex.com's siteTheirs complaints againstI tried o call the agent back which she told me I could but there is no way to reach herThey took from my checking accountI feel I've been scamed The agent told me I was covered for different things than the agent who talked so fast and avoided my questionsI want to cancel but you can't reach anyone

This plan is awesome! I was a little skeptical about the plan at first because of some of the negative reviews on here although the company still has an A+ ratingI gave it a chance and it was the best decision I have madeSaving a ton of money per month and $deductible and I have been getting some great coverage! My agent has been there to answer questions outside of business hours as well which really helpsOn my BCBS plan I would be put on hold and transferred around just to find my agent which was frustrating for meWould recommend this plan to anyone that qualifies!

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

Love that I was able to find affordable coverage outside of the marketplace that fit my needs perfectlyAs a year old in great health, I refuse to pay $300+ for a plan that doesn't benefit me until I reach a $6,deductibleMy doctors are all in network and when I broke my ankle, the coverage could not have worked better for me

*Writing this NEGATIVE review on behalf of my husbandAfter searching for private health insurance for my husband, we decided to try Freedom Life Insurance Company of America out of Ft Wirth TXI spoke with one of their agents, Stephanie Lfor + hours, at which time she explained every possible scenario would be covered, from routine dr visits to emergency careWe paid $a month for months and in the 13th month, my husband experienced his first kidney stone, and went to ER in extreme painHis health issue was resolved in a matter of hours and we went on to wait for what would happen with the insuranceWHAT AN ABSOLUTE JOKE!!! Out of an over $ER bill, they paid less than $250!! We of course called and got what we were afraid of, “this isn’t covered and that isn’t covered”then what exactly have we been paying nearly $a month for?!? We proceeded to call the agent who signed us up and she acted dumbfounded, “oh yes you are covered for this and for that! Let me call them and see what I can find out, and I’ll get back to you”weeks later, no call back
This company is a SCAMSave your money or do better research than we did and find a legit company to provide you with legitimate, fair insurance! Don’t be fooled by this company like we were! We paid them $and they paid out less than $of an ER claim, leaving us holding the rest of the bill! Go ahead with your rebuttal, Freedom Life, you are a fraudulent company who takes advantage of people and I hope my review stops others from trusting you as we did!!!!! One star given only because ZERO is not an option!!

I cancelled my insurance policy with UShealthgroup(Freedom Life Insurance) due to being charged premiums twice in one month(October)The second premium was then pending in my bank accountUpon cancelling my policy, I asked the customer service representative, ***, if the second premium now pending would come outHe made it clear to me that it would not, and in the odd event that it did, I would be refunded
I took the representative for his word, and the premium still came out of my account one day later, causing my account to have an overdraft chargeWhen I contacted them again for a resolution to this issue, I was told that *** should not have told me that it would not come outWhen speaking to ** *** I was told that I would still receive a full refund of my monthly payment along with the overdraft feeI was asked to send visual proof of my account going into overdraft due to Freedom Life's premiumI did so immediatelyMany days later was contacted by them to be

Freedom Life gave me a good alternative to ObamacareThey cut my monthly cost in halfI love the CallMD that they give you unlimited usage ofI have used it to get some anti-biotic and it saved me the trip to the urgent careThank you!

I began service with the company understanding they were an insurance company for healthI have since the with the next week on 2/17/contacted them upset when I went to a hearing specialist and found out that I was not covered after they took on 2/10/the amount of then on 2/11/69.97, and I rquested the service to end and not to touch the account again they again on 3/14/took more money outin the following amounts of 189.95, 34.97, I yet again emailed them called them I was told it had been cancelled yet it had notall I want it the policy cancelled an money returned in full amount