Is Freedom Life Health Insurance Legit? A Comprehensive Review

In today’s world, health insurance stands as an essential requirement, especially given the rising expenses associated with healthcare and life’s uncertainties.

However, the field of health insurance companies is characterized by its diversity, and not all providers live up to their claims of dependability and trustworthiness.

Enter Freedom Life Health Insurance, a subsidiary of USHEALTH Group, Inc., which provides a range of health coverage plans designed for both individuals and families.

The central question emerges: Can Freedom Life Health Insurance be considered a legitimate service, or does it fall within the realm of fraudulent activities?

This article aims to explore this question by examining various aspects of the company, including its historical background, ownership, array of products, claims processing, customer feedback, as well as its advantages and disadvantages.

Is Freedom Life Health Insurance Legit
Image source (Canva)

What is Freedom Life Health Insurance?

Established in 1956 and headquartered in Fort Worth, Texas, Freedom Life Insurance Company of America (FLICA) is a health insurance company wholly owned by USHEALTH Group, Inc.

The parent company also owns National Foundation Life Insurance Company and Enterprise Life Insurance Company.

FLICA specializes in diverse health coverage plans, such as term life, accident, critical illness, dental, vision, and wellness benefits.

Their focus is on delivering cost-effective and flexible solutions customized to each customer’s unique needs and financial considerations.

Who owns Freedom Life Health Insurance?

Freedom Life Health Insurance, owned by USHEALTH Group, Inc., a holding company founded in 1982 and based in Fort Worth, Texas, is led by Troy McQuagge, serving as the CEO and President.

USHEALTH Group, Inc. has a significant customer base of over 15 million individuals, supported by a network of 2,000 agents across 31 states, as stated on its website.

The company has received recognition through prestigious awards such as the Gold Stevie Award, the One Planet Award, and the CEO World Award, highlighting achievements in customer service, innovation, and overall business performance.

How do I know that Freedom Life Health Insurance is legit?

To validate Freedom Life Health Insurance’s legitimacy, a reliable approach is to assess its accreditation and evaluations from impartial organizations gauging factors like financial strength, stability, and customer satisfaction in the insurance industry.

For instance, Freedom Life Health Insurance maintains an A+ rating from the Better Business Bureau (BBB), signaling high reliability and responsiveness to customer concerns.

The company is also accredited by the BBB, affirming its commitment to ethical business practices and quality customer service.

Additionally, Freedom Life Health Insurance holds an A- rating from AM Best, a global credit rating agency specializing in evaluating the financial robustness and creditworthiness of insurance firms. An A- rating reflects the company’s exceptional ability to meet ongoing obligations to policyholders.

Freedom Life Health Insurance agent

To verify Freedom Life Health Insurance, contact licensed agents affiliated with USHEALTH Advisors, LLC, a marketing branch of USHEALTH Group.

These agents provide personalized assistance to help customers find the right health coverage. Locate an agent on the USHEALTH Advisors website or call 1-800-387-9027.

What is the claims process like for Freedom Life Health Insurance?

Freedom Life Health Insurance offers a user-friendly claims process with online, mail, or fax submission options.

Customers can track their claims through the MyUSHG account, providing access to plan details, payment statements, benefits explanations, ID cards, and the preferred providers list.

The company aims to process claims within 10 business days of receipt and disburse approved claims within 5 business days.

Also read: Does Health Insurance Cover Gastric Ballon?

How does Family Freedom Life Health Insurance work?

Freedom Life Health Insurance
Freedom Life Insurance is a legitimate insurance provider. It is a subsidiary of US Health Group, which is a trusted insurance provider: Photo source (Reddit)

Freedom Health Insurance consolidates family coverage into a single plan, offering savings and convenience.

These plans cover spouses, children, and dependents, including benefits like term life, accident, critical illness, dental, vision, and wellness.

Family plans are flexible, allowing customization based on unique needs and financial considerations.

Options include deductibles, coinsurance, copayments, and benefit amounts.

Notably, these plans are available year-round, providing portability for coverage continuity during job changes or relocations.

Pros and Cons of Freedom Life Health Insurance?

Freedom Health Insurance offers diverse health coverage plans with customization options.

It holds high ratings from BBB and AM Best, ensuring trustworthiness.

The claims process is convenient, and customer service is dedicated. With a network of 2,000+ agents, personalized support is provided in 31 states.

However, there are drawbacks:

  1. Limited availability in 36 states and DC.
  2. Coverage exclusions for certain medical expenses.
  3. Higher premiums, deductibles, and copayments.
  4. Some plans have exclusions, limitations, or waiting periods for specific benefits.
  5. Complaints about denied claims, delayed payments, poor communication, and misleading information exist.

Freedom Life Health Insurance Employee Reviews

For an internal perspective on Freedom Health Insurance, check employee reviews on platforms like Glassdoor, Indeed, or CareerBliss. The company has an average rating of 3.5 out of 5 stars based on 54 reviews.

Positives:

Negatives:

  • High turnover impacting morale and causing pressure.
  • Challenges in a competitive market with constant changes and regulatory demands.
  • Low base salary, potentially affecting employees’ ability to cover expenses.

Conclusion

Freedom Health Insurance offers legitimate health coverage for individuals and families with high ratings from BBB and AM Best.

It has an efficient claims process, skilled customer service, and a wide agent network across 31 states.

However, drawbacks include limited availability, fluctuating costs, potential exclusions, and some negative feedback.

Prospective customers should research, compare plans, and consult an agent before choosing a plan.

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