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  1. US
  2. TX
  3. Fort Worth
Freedom Life Insurance Co of America
Freedom Life Insurance Co of America

Freedom Life Insurance Co of America

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300 Burnett St, Fort Worth, TX 76102, USA Get Directions
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ABOUT   Services Excellence Summary

USHEALTH Group, Inc. is a united health care insurance company operating in Fort Worth, Texas. The company is fully integrated and affiliated with UnitedHealthcare. Three licensed insurance companies, Freedom Life Insurance Company of America, National Foundation Life Insurance Company, and Enterprise Life Insurance Company are part of the USHEALTH Group. The company is committed to delivering innovative and affordable Life, Specified Disease/Sickness, Accident, and Disability Insurance solutions to self-employed individuals, families, small business owners, and their employees. USHEALTH Group’s insurance companies have delivered unique individualized plans to more than 150 million clients for over 50 years. USHEALTH Group recognizes that every customer has unique needs when it comes to health coverage. We offer customers choices that allow them to select their coverage needs. We present a comprehensive selection of plans so clients may choose what works best for them. This is in contrast to the generic plans offered by most companies. USHEALTH Group’s commitment to customer satisfaction and innovation makes us the only company capable of meeting all customers’ reliability and flexibility needs. With benefits up to $1000 for all covered services, innovative products are offered most affordably by USHEALTH Group. Customers spend less within our network of providers because our rates are lower. This can be beneficial for someone who has a tight budget. For first dollar protection with fewer out-of-pocket expenses, customers may choose cost-neutral plans or comprehensive ones. This combination of simplicity and individualization is unique to USHEALTH Group and allows customers to save substantial amounts over time. Customized coverage allows customers to increase their health protection in a variety of ways. Flexible and reliable Specified Disease/Sickness and Uninsured Accident Plans from USHEALTH Group are ideal for customers with more financial means and a higher threshold for cost sharing. These plans offer the same flexibility and reliability as the other two varieties because they are designed for a particular type of customer. USHEALTH Group represents a new approach to insurance, as it offers plans that only pay for the most basic services. However, without the first dollar protection that we give, these plans do not offer the same benefits of more comprehensive or cost-neutral plans. Since the reliability and flexibility offered by USHEALTH Group are at least as important as an insurance company's profitability; the plan has worked effectively for customers and created a loyal customer base. The company has succeeded in a market plagued by high turnover rates and low customer loyalty due to its commitment to dependably meet customers' needs with innovative product designs.

 

SUMMARY   Reviews Summary

Customers’ insurance experience with the Health Insurance Company are shared in the form of reviews below. They highlight the good quality coverage it offers and how cost-effective it is. For example, a reviewer has said their current insurance has excellent coverage and a low price, so they are enjoying the services for seven months. The other competitor has held this policy for two years, and they have praised its effectiveness. In instances like a visit to a chiropractor or a broken bone, they’ve used the system for wellness checkups, and the insurer took care of their bills. Having read and encountered different insurance situations in their 31 state licenses, this reviewer concluded that the only escape from out-of-pocket payments is adequate insurance knowledge and a network hospital. For example, when their daughter broke a part of her limb causing them to visit an out-of-network hospital, they only paid $500 out of a $9000 medical bill. Unluckily, this policy has a disadvantage, as mentioned by one competitor that the pre-existing conditions’ waiting times and lack of certain essential health benefits. With this, the competitor complained after a poor Health Insurance Company medical cover into an ACA-compliant medical cover with a high premium only to understand later that they underwent costly surgery after two days of their plan. The policy also might have unclear terms as one competitor and their family have stayed for three years before noticing an underpayment hospital bill. It is unfortunate that they have advised others not to feel relaxed and read their policy even after a long time of membership.

 

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shan left a 1 star review
★☆☆☆☆
On TrustAnalytica
Nov 28
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Pros & Cons

PROS
affordable (2)
helped me (1)
very satisfied (1)
very helpful (1)
Cons
rude (6)
terrible (6)
horrible (3)
service is terri ... (2)
not recommend (2)
waste your time (2)
useless (2)
do not use (2)
paid for nothing ... (1)
terrible custome ... (1)
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Freedom Life Insurance Co of America Reviews: 72. Average Rating: 1.7

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I would also leave a 0 as a review. There is an appearance of health insurance coverage but there are many many limitations. Underwriters are vipers and The agent snuck in a few "extras" on our plan that we did not ask for but were there when we got the policy. The agent was very difficult to get a hold of and was not forthright in telling us it was NOT the minimum coverage under Obamacare. We are still trying to get our premium back after canceling. We wrote the BBB to complain about the entire experience and to get our money back. Beware of vague incomplete information that is misleading and appears to be dishonest.
If there was a way to leave a rating of zero stars, that is exactly what this company would get! Customer Service is non-existent. When asked to escalate to a supervisor, representative claimed not to have one!!!
This is not traditional insurance. They use deceptive and misleading tactics in order to get you to sign up for their “plans”. These are not plans. These are bundled together indemnity (short term limited coverage plans). If you need a drug plan- that is extra. You need hospital - that is extra. They will only pay a lump sump for procedures and limit doctor visits and procedures within a year. Pre-existing they won’t cover. Also, chronic conditions if they do cover you will have to wait 12 months from purchase in order to get treatment for it. Example from their policy- they will only pay $35 of a woman’s Pap smear. You are limited to one a year. You will be responsible for the rest. Chemo- they will pay $500 a day with a max of $10,000 a year. Average initial cost of Chemo can be upwards of $8,000. An 8 week course can be as much as $30,000. As many of the reviews reflect many people are not told the true nature of the insurance. Sadly they don’t cover autism, maternity, among others. Like one reviewer mentioned, they probably paid an add on policy through them to pay for their son. They are notorious for underhanded practices when it comes to claims and denials. They refuse to respond to emails and like I was told by their customer service- there is no email address that’s what the phone is for. They will say they mailed it when they haven’t, not answer calls, purposefully wait out the time on a claim so they don’t have to pay. Make sure you document everything. Send them a letter of appeal on claims. Make sure you have copies. Gather your evidence and report to your state insurance commission and attorney general. They keep doing this because they know people tend to just give up. Don’t let them keep doing this.
I agree with other reviews, this is a premium paid for nothing that isn't specifically listed in their payment grid. You pay them, they pay almost nothing.
This is by far the worst insurance company I have EVER delt with. They sold me an upgrade of $1200 a month stating it would cover 100% of my sons autism services ect. 1 year and 4 months later I am still fighting with them. They lost my sons medical records 5 times the claim every excuse in the book to not pay the claim in hopes it will wear you down and you will go away. If you want a company that will lie, waste your time and take your money this is your company then. If I could give less than a 1 star I would. It is a total scam...100%. They should be put out of business...what they do is shameful and disgusting.
This place is a scam. Not only did I have to pay the company, I had to pay all my medical bills too. They have not paid one dime. I always get an excuse of why they will not pay. When I fill prescription I have to use good rx to get a better price. Now I get a notification that there will be a price increase. I had an accident tried to see a Dr on their list of providers, but none would see me. I filed a claim, they say they are not going to pay. I definitely will not be giving them anymore of my money
Private Insurance won't even cover 50% of a well child visit. I've had this insurance over a year now and finally cancelled it after so many disappointments. It was "sold" to me like it was the best insurance ever but I feel like I got scammed. Anytime we need to use it the insurance barely covers the basics. I literally would have been better off paying with a cash discount. Shop elsewhere for insurance!
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shan left a 1 star review
★☆☆☆☆
On TrustAnalytica
1 year ago
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