Is Freedom Life Health Insurance Legit? Unveiling The Ultimate Truth

In today’s world, with the ever-increasing costs of healthcare and the uncertainties of life, having health insurance is imperative.

However, the health insurance industry is diverse, and not all providers can be relied upon for their claimed reliability and trustworthiness.

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

The crucial question arises: Is Freedom Life Health Insurance a legitimate service, or does it fall into the category of scams?

This article aims to answer this question by examining various aspects of the company, including its historical background, ownership, array of products, claims process, customer feedback, as well as its strengths and weaknesses.

Understanding Freedom Life Health Insurance?

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

The parent company, USHEALTH Group, Inc., also holds ownership of the National Foundation Life Insurance Company and Enterprise Life Insurance Company.

FLICA specializes in an array of health coverage plans, encompassing term life, accident, critical illness, dental, vision, and wellness benefits.

Freedom Life Health Insurance is committed to delivering cost-effective and flexible solutions designed to meet the distinct needs and financial considerations of each customer.

Who owns Freedom Life Health Insurance?

Under the ownership of USHEALTH Group, Inc., a holding company established in 1982 and headquartered in Fort Worth, Texas, Freedom Life Health Insurance is led by Troy McQuagge, who holds the positions of CEO and President within the organization.

According to the details provided on its website, USHEALTH Group, Inc. boasts an extensive customer base exceeding 15 million individuals, supported by a network of over 2,000 agents across 31 states.

The company has earned prestigious accolades, including the Gold Stevie Award, One Planet Award, and CEO World Award.

These awards acknowledge USHEALTH Group’s accomplishments in customer service, innovation, and overall business performance.

Also read: Does Health Insurance Cover Labiaplasty

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

Is Freedom life health insurance legit
The Freedom Life Insurance Company, a branch of USHealth Group, provides a straightforward life insurance option designed for families seeking to safeguard their loved ones: term life insurance: Photo source (Reddit)

To verify Freedom Life Health Insurance’s legitimacy, check its accreditation and assessments from impartial organizations, evaluating factors like financial strength and customer satisfaction.

With an A+ BBB rating and accreditation, the company showcases reliability and ethical business practices.

Additionally, it has an A- rating from AM Best, indicating strong financial robustness and the ability to fulfill ongoing obligations to policyholders.

Freedom Life Health Insurance Agent

To confirm the legitimacy of Freedom Life Health Insurance, reach out to licensed agents.

They are trained professionals who can assist in finding a personalized health coverage plan based on individual needs and financial constraints.

USHEALTH Advisors, LLC, the marketing branch of USHEALTH Group, Inc. and its subsidiaries, affiliates these agents.

As members of USHEALTH Advisors, agents stand ready to provide individualized service and assistance to customers, addressing any inquiries or concerns they may have regarding the company and its products.

Customers can locate a nearby agent by visiting the USHEALTH Advisors website or by calling the toll-free number 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, allowing customers to submit claims online, by mail, or fax.

The MyUSHG account provides 24/7 access for tracking claim progress, managing health coverage, and accessing plan details, payment statements, and more.

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

How does Family Freedom Life Health Insurance work?

Freedom Health Insurance consolidates family coverage for savings and convenience in a single plan, avoiding individual plans for each member.

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

Family Freedom Health Insurance plans are flexible, allowing customization based on each family’s unique needs and financial considerations.

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

Plans offer year-round availability, ensuring customers maintain coverage during job changes or relocations to different states.

What are the pros and cons of Freedom Life Health Insurance?

Freedom Health Insurance has both advantages and disadvantages to consider:

Pros:
  1. Diverse health coverage plans tailored to individual needs and financial considerations.
  2. High ratings from BBB and AM Best, indicating trustworthiness and financial stability.
  3. User-friendly claims process with online, mail, or fax submission options.
  4. Responsive customer service team available via phone, email, or online chat.
  5. Extensive network of over 2,000 agents in 31 states for personalized support.
Cons:
  1. Limited availability in only 36 states and the District of Columbia.
  2. Some plans may not cover certain medical expenses like preventive care, maternity care, mental health care, or prescription drugs.
  3. Higher premiums, deductibles, coinsurance, or copayments compared to other providers.
  4. Certain plans may have exclusions, limitations, or waiting periods for specific benefits.
  5. Complaints from customers regarding denied claims, delayed payments, poor communication, or misleading information.

Freedom Life Health Insurance Employee Reviews

To gain insights from an internal perspective on Freedom Health Insurance, one can turn to employee reviews available on platforms like Glassdoor, Indeed, or CareerBliss.

These websites enable current and former employees to rate and share their experiences with their employers.

Freedom Health Insurance holds a 3.5/5-star average from 54 employee reviews, according to these sources.

Here are some of the positive and negative aspects highlighted by employees:

Positive 
  • Flexible, remote work with commissions, bonuses.
  • Comprehensive training, mentorship, online resources, seminars.
  • Friendly culture, collaboration, social events, charity at this workplace.
Negative 
  • High turnover affects employee morale and performance, causing pressure, stress, and burnout.
  • In a competitive market with regulatory demands, employees face constant changes and competition.
  • The low base salary poses challenges in covering expenses, especially without sufficient leads or policy sales.

Conclusion

Freedom Health Insurance is a reputable provider with diverse coverage plans for individuals and families.

High BBB and AM Best ratings, efficient claims, skilled customer service, and a broad 31-state agent network highlight its commendable features.

However, drawbacks include limited availability, varying costs and benefits, potential exclusions, and occasional negative feedback.

Before choosing Freedom Health Insurance, research, compare plans, and consult an agent for guidance on the best health insurance plan.

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