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. .
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