• Report: #801424

Complaint Review: Freedom Life Insurance Company of America

  • Submitted: Thu, November 24, 2011
  • Updated: Wed, August 28, 2013

  • Reported By: Walter — Pembroke Park Florida USA
Freedom Life Insurance Company of America
Fort Worth. Texas 76101 Fort Worth, Texas United States of America

Freedom Life Insurance Company of America Medical Insurance Company That Takes Your Money And Denies All Of Your Medical Claims in Fort Worth, Texas

*REBUTTAL Owner of company: If you know you are ill, get Obamacare!

*Consumer Comment: Are you the same agent who said ...

*General Comment: John is technically correct but:

*Consumer Comment: Pre-existing

*General Comment: Who is the real I-Lackey ?

*General Comment: Chrohns Disease don't appear overnight

*Consumer Suggestion: Be surre it's Major Medical and not Limited or Excepted Benefit Ins.

*General Comment: Haha Insurance

*UPDATE Employee: NO insurance would cover you

*Consumer Comment: Insurance

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My new medical insurance started on September 1st, 2011. I went to see a doctor on September 2nd, 2011 because I felt a pain on my side, which I thought was a pulled muscle. After seeing the doctor, he sent me for tests, which was all negative. He said I needed to go to the hospital, because he couldnt figure out what was wrong with me. I did go to the hospital a couple days later. they figured out that I had chromes dieses and operated on me, took a piece of bow out. Was in hospital for a week. Now this company is denying all my claims because I told the doctor on September 2nd, that I had this pain for a couple of days, and they are saying it was a pre existing condition becuase it happened in late, late August. This company is a total rip off.

If I had a heart attack on September 5th, they ould probably say the same thing, my heart was bad before the September 1st date, what a rip off.

This report was posted on Ripoff Report on 11/24/2011 06:00 AM and is a permanent record located here: http://www.ripoffreport.com/r/Freedom-Life-Insurance-Company-of-America/Fort-Worth-Texas-/Freedom-Life-Insurance-Company-of-America-Medical-Insurance-Company-That-Takes-Your-Money-801424. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 9Consumer 1Employee/Owner
Updates & Rebuttals

#1 REBUTTAL Owner of company

If you know you are ill, get Obamacare!

AUTHOR: Mister K - (USA)

Obamacare, a/k/a/ "Affordable Care Act," is the ONLY insurance that will pay for pre-x conditions.  Get a subsidy from the government, or not, but either way, this is the only insurance that will help.  The ACA was created to help those who normally would receive no coverage, until after a waiting period, due to pre-x or other exlusions or limitations.

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#2 Consumer Comment

Are you the same agent who said ...

AUTHOR: Anonymous - (USA)

that "we're basically Sigma"?  Really?  I got health insurance (okay, you don't really cover anything) with you guys back in May 2015.  A woman out of your office that I spoke to misled me into thinking that your ***** insurance would cover my tonsillectomy.  You told me that the tonsillectomy was "only a couple thousand dollars, hospitals charge different rates to patients without insurance...".  Do  you honestly sleep well at night KNOWING that you are ripping people off?   Are you so deluisional that you think that covering a hundred dollars or so out of a $14,000 hospital bill (for a tonsillectomy) is "health insurance coverage"?  If you aren't the lady that told me that bull****, please tell us the name of the idiot in the cubicle next to you that DID tell me that bull****.

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#3 General Comment

John is technically correct but:

AUTHOR: health agent - ()

John in VA is technically correct regarding the pre-ex condition.  However, the way he describes it would put the insured in a situation that he would have to diagnose his own existing or non-existing condition.  I have handled many cases regarding this situation.  Regarding this person, he saw the doctor too soon and like the other person wrote, he told the dr. that his pain had started PRIOR to the effective date of the contract.  That admission sunk his boat so to speak. 

But I had a similar case that the insured became effect on the first day of the month.  He had seen his dr. recently and to the best of knowledge (that's called a representation not a warranty) he had no problems.  Unfortunately in about three weeks after the effective date of the policy, the insured found blood in his urine.  Later tests proved the insured had a malignant tumor in the bladder.  The tumor was removed.  The insurnace company balked at paying the claim.  Although I understood the position of the insurance company.  I also knew that a malignant tumor doesn't grow overnight.  But by denying the claim due to a pre-existing condition unknown by the insured and the dr, it forced the insured to be their own doctor and do their diagnosis with the initial application.  I used that argument to have the insurance company to have the insurance company (Freedom Life Insurance) to reconsider, which they did, and reversed their original denial. They paid the claims according to the insured contract.   

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#4 Consumer Comment

Pre-existing

AUTHOR: ins.agent - ()

You told the Doctor that you were having pain before your policy went into effect. So your Doctor reported it that way. So you and your Doctor are the ones who caused your claim to be denied because you basically said you were having these problems before you had coverage. So it is a pre-existing condition. So that doesn't make this company a rip-off company. You didn't go by the contract you have with the company. 

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#5 General Comment

Who is the real I-Lackey ?

AUTHOR: John in VA - ()

it is disease not diesease....who is the real illiterate one here ???

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#6 General Comment

Chrohns Disease don't appear overnight

AUTHOR: John in VA - ()

If you had Chrohn's Disease on September 2nd and the day after the effective date of your coverage, then you had had that disease for awhile, it didn't come overnight.  You may not have known you had it, but you had it. When you have a health problem such as this, the date a doctor diagnoses it is not considered the date it started, it is like if I have my house  inspected  for termites and the inspector finds termities on a certain day, that does NOT mean that I just happened to get termities that day, I had to have had them for awhile, so as a person that has been a health insurance agent for over 30 years I can tell you that Freedom Life was right in denying your claim.

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#7 Consumer Suggestion

Be surre it's Major Medical and not Limited or Excepted Benefit Ins.

AUTHOR: Voice of Experience - ()

It sounds like you purchased a group limited or excepted benefit health insurance plan.  Contrary to what others have said here, most Major Medical Health Insurance contracts do not come with a waiting period, especially those that require you to pass medical examinations prior to the policy's issuance. It is not unusual for Employer Sponsored Group Insurance to have a 12 or 24 month pre-existing clause, but this is very different from a waiting period.  The policy would not cover or only provide limited benefits for pre-existing conditions during the first 12 or 24 months.  If you bought an individual policy on your own and had to pass "medically" before it was issued, it may have what is commonly called a "Prudent Person" clause.  Basically, this caluse attempts to prevent someone who has had medical symptoms prior to the policy's effective that would normally cause a "Prudent Person" to seek treatment to wait until the policy has been issued before going to the doctor.  This is generally only applied for a limited time like two to three years after the policy is issued.  Still this is very different from a waiting period.  Major Medical plans that require you to medically qualify may also have a pre-existing condition, or a waiver. With a waiver, the company may offer you a policy covering everything say, except your bad back.  Of course much of this will be changing with the Affordable Care Act (Obamacare).

My advice is to only buy your insurance "face-to-face" from a person duly licensed to sell insurance in your state, by your state's Department or Division of Insurance.  BTW, they'll be happy to let you know if the person is licensed.

Concerning your unpaid claim, I suggest you contact your State's Department or Division of Insrusnce's Consumer Services Section and file a complaint as soon as possible. They are there to serve you and will be happy to hear from you.

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#8 General Comment

Haha Insurance

AUTHOR: Bob Loblaw - ()

Most people do not know this but if you are to get insurance, you have a waiting period before you can use it. For example, you cannot get insurance and in the same week go to the doctor and expect it to be fully covered. In order to get coverage for going to the doctor you need to wait at least 30 days after the policy has taken affect. Anything major like heart attack or stroke will not be covered in the first year. This is true with a lot of insurance companies. If something major happend to an individual in the firs 12 months of coverage. It is considered a pre-exsisting condition. Therefore no coverage will be given. That is why it is important to just always have insurance and keep up on doctors visits.

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#9 UPDATE Employee

NO insurance would cover you

AUTHOR: fightingback - (United States of America)

I am so sorry that you had these medical problems and also incurred medical bills. But the truth is that NO insurance company would have covered you if you had pain before the coverage started. That is just the way health insurance works. I am a licensed life and health agent working with Freedom Life insurance.

Therefore, it is unfair of you to slam a company for something that was in your policy. It specifically says no pre-existing conditions. Your pain was pre-existing.
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#10 Consumer Comment

Insurance

AUTHOR: Diogenes - (USA)

Well, it's your own fault.  If you had the pain BEFORE the starting date of the policy, it's a pre-existing condition.  Do you not know this ????  Or, were you trying to scam the insurance company ??  And, by the way, it's CROHN'S DIESEASE, you illiterate lackey.
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