Complaint Review: Freedom Life USHealth Advisors - Nationwide

HI,

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