• Report: #801424

Complaint Review: Freedom Life Insurance Company of America

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  • Submitted: Thu, November 24, 2011
  • Updated: Wed, February 06, 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

*General Comment: Haha Insurance

*UPDATE Employee: NO insurance would cover you

*Consumer Comment: Insurance

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0Author 3Consumer 0Employee/Owner

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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 3Consumer 0Employee/Owner
Updates & Rebuttals

#1 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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#2 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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#3 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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