Complaint Review: Freedom Life Insurance Company of America

I needed to purchase health insurance for my family outside of the open enrollment period.  In response to my inquiry, I get a call from Freedom Life.  I tell them the problems I had with my old insurance company, how much I can pay, etc.  They tell me they can do better.  

Preventitive care would be covered 100%. ER copays $200.  Doctors and specialists would be paid $75 then a discounted rate after that.  I was thinking great! My kids could see the doctor, and I would have limited out of pocket costs.  

Well, $1,000 in medical bills later, I find out there is 0  preventive coverage. It only covers illness and injury.  Okay. So now I have $600 in unpaid medical bills.  After going back and forth with them  they pay $6.57! So now I have been paying $500 a month for the past 3 months plus the $125 enrollment fee, to only have them pay $6.57!   What's the point in insurance?  It would have been cheaper to be self pay because my doctor offers a discount plan for uninsured patients.

The best part is when I call to cancel and tell them why there are no apologies for what their sales rep did.  It's just and I quote "Well, you have our hospital, lab, and diagnostics discounts..." Really? What good does that do me with 3 kids with no major medical issues?

But here's the best part, if I shop online and use my member ID in the promo/coupon code box I can save 2% at Walmart, Staples, and other participating retailers.