Freedom Life Insurance Company of America USHealth Group False health coverage Fort Worth, Texas Nationwide

Thought I was buying regular health insurance from Freedom Life Insurance (FLI). After getting the paper work, I noticed that it was not major medical. Did not think this was an issue at the time. My doctor ordered a colonoscopy. Found on day of appointment that it was not covered by my policy.  FLI said I would need to upgrade. My current premium was about $470. I should note that my premium did not include a $45 monthly membership fee to the American Independent Business Coalition.  I was not told about this fee in the application process.

They told me the upgrade fee or the Premier Med Plan was $1300, making the new premium $1770. 

In addition I had a CAT scan done in May of 2017. FLI said about $1000 was paid out. The bill I received 4 months later in the mail from Einstein was for $6100.