Freedom Life Insurance Co of America

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.

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.