Report: #1395724

Complaint Review: Freedom Life USHealth Advisors

  • Submitted: Sat, August 26, 2017
  • Updated: Sat, August 26, 2017
  • Reported By: ScammedbyUSHC — Boerne Texas USA
  • Freedom Life USHealth Advisors


Freedom Life USHealth Advisors USHA Health Insurance Who Knows if My Policy is indeed What the Agent represented it to Be. Nationwide

*UPDATE Employee ..inside information: Help for finding out what is covered USHealth Advisors

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First of all...I'm wondering if this RIPOFF-REPORT agency is INSURANCE they can monitor the attempted complaints.  Did anyone notice there  IS NOT a category for Insurance nor the Insurance Industry and I'm just wondering why it wouldn't be bombarded with all the complaints I hear.


My complaint/concern is with USHA US Health Advisors and the resulting Freedom Life   HEALTH insurance I was sold last year.   I as yet have not rcvd the promissed written policy that declares what they're covering.   I was sent an email that said  "IF" you have these coverages then you are covered for.........................

No one will tell me the "IF" part.  Well, do I or don't I?      The little sales agent is all "Great coverage, matches you perfectly, just call their 800 number to get the certificate of coverage and further explanation.   What a joke. I still haven't rcvd anything in the mail and It's next to impossible to get through on the 800 number and certainly there are no answers when I say "What am I covered for?"   because you have to have a SPECIFIC QUESTION.


So...Do I just go down my body parts and ask "Does my policy cover my hands etc and if so if they hurt will the ins company pay for a Dr visit to find out what is wrong?"   Oh....then you have to call back with the next question because they can only handle one question at a time and they ask "Well, if you have the premier coverage (or whatever) that is typically covered and you'll get reimbursed for the visit if it falls within the parameters set out by the POLICY that we're not going to send you."


Oh, guess what....I just rcvd a letter from Freedom Life and the premium is going up.  But no, they aren't going to send the policy to me.    Then, I recieved another letter shorthly thereafter that said "Oh great news...this company CIGMA (I believe that was it) is taking over and you'll recieve the same great service and we'll just keep deducting from your bank account. I go online to see about some other insurance and try to educate myself on Obama care and the entire shabang.  Guess what?  They say NO GO ... sorry ... you can't buy insurance except when WE say you can buy insurance and that's during a three month enrollment window ONLY.  Sorry...oh there are a couple of changes.     I guess when I have my heart attack because of stress because I can't get a copy of MY insurance COVERAGE.... they'll say that's life threatening?  And then I can change companies???


DON'T GO WITH USHC nor FREEDOM LIFE.   My beef with USHA is "lip service" and they don't really have a clue or any CLOUT with the Insurance Companaies they are selling for.   They are HEAVILY recruited...just look at the website...and promissed biggest best commissions and great benefits.  Well....I should think so.........If you can shovel the consumer right on through that pipeline then we'll take care of the rest.   Ha Ha





This report was posted on Ripoff Report on 08/26/2017 06:20 AM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 UPDATE Employee ..inside information

Help for finding out what is covered USHealth Advisors

AUTHOR: Michael - (USA)


Apologies for how you were treated.  Not all agents are created equal.

Do you have PREMIER CHOICE? if so  what level ASSOCIATION Benefit do you have, for example "Executive Diamond"

That is a typical combination but it varys state to state, and because it involves Sickness and Accident Care, with a number of supplemental benefits it does get confusing.

Determine that information,  if you have it, (it is helpful but not totally necessary)

and then call customer service, they will send you or re-send you all your coverage information via mail, and additional insurance cared asap via email.

This policy is Fantastic Accident and Injury policy.  It is a "first -dollar" policy and does not require an annual deductible.

It has 3 levels of coverage. Many people get the levle one coverage becasue it is the cheapest. But what if something just happened, the OH MY GOSH! situation regarding an accident or illness?!

Well, you have the cheapest level, But most likely YOU HAVE ACCESS TO ALL THREE LEVELS with out additional underwriting.

What ?   Yep,  you keep your costs low until something happens, then you use your insurance card , at urgent care for example, and if things are much worse than expected, you can activate a STEP-UP RIDER up to 90 days AFTER the terrible incident happened.  When you call customer service, just tell them you want to keep this option open, and they will assign a specialist to assist you in your decision making process.  it is totally your decision, but you do have to give the company a "heads up".

Then you CALL YOUR AGENT & CALL CUSTOMER SERVICE and file a 2nd claim to activate the cash back provisions.

WHAT?  Yep, you get health care.  Great accident and illness coverage. And because many of the policy holders are small business people, the company provides cash back as well to help you cover incidentals, or personal expenses while you recover.

Kinda cool right?

The biggest confusion is that this is an unusual policy, and as such people make assumptions, and do not cal their agent.   IT IS CRUCIAL TO INCLUDE YOUR AGENT IN THE PROCESS if you want the best result.

If you want to go it alone,   remember the following.

1) use your insurance card

2) call customer service and file an additional claim for accident or illness cash back/ maybe you also have the accident/income protector, if so, file a claim for that as well.

3) tell customer service you want to keep open, and consider the step up rider, it does not obligate you , at all, but it does help keep things properly aligned in your benefit.  You now have 90 days form the incident, accident, illness diagnosis, to determine if you want to increase your health care coverage, UP TO 90 DAYS RETRO ACTIVE.

How cool is that?!   so up to 90 days after ward, I can say oops, can I get the better stuff instead?  Yep.  You can even use the cash back money to pay for the 90 days of higher premium at the higher rate.

So please folks

Just relax.

It is a Fantastic Sickness and Accident policy.  It has multiple cash back opportunites as well, depending upon your policy choices. 

You can Step- up to better coverage, just pay the difference in premiums, it won't break the bank.

There is an unlimited catastrophic Coverage, see the policy or company brochure for details.

Contrary to what one agent said,   This not just supplements on steroids,   it covers a TON of stuff, but you have to know how to use it.

I hope that helps


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