Alyssa Lane
Freedom Life Insurance Company of America is a licensed insurance company subsidiary of USHEALTH Group, Inc., a fully integrated insurance holding company based in Fort Worth, Texas. Freedom Life Insurance offers a range of insurance solutions, including life, specified disease/sickness, accident, and disability insurance. While Freedom Life Insurance does not offer Medicaid plans, its parent company, USHEALTH Group, provides Medicare Advantage Plans, which include both Medicare and Medicaid coverage. These plans are designed for individuals with specific needs, such as those with chronic illnesses, and aim to provide comprehensive health insurance and prescription drug coverage at a low cost.
| Characteristics | Values |
|---|---|
| Insurance underwriters | Freedom Life Insurance Company of America, National Foundation Life Insurance Company, Enterprise Life Insurance Company |
| Type of insurance | Life, Specified Disease/Sickness, Accident and Disability Insurance |
| Target customers | Self-employed individuals, families, small business owners and their employees |
| Number of customers served | More than 15 million |
| Type of Medicare Advantage Plans | HMO |
| Medicare Advantage Plans monthly premiums | As low as $0 |
| Medicare Advantage Plans co-pay for doctor visits | Low |
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What You'll Learn
Freedom Life Insurance Company of America
USHEALTH Group and its subsidiaries, including Freedom Life Insurance Company of America, prioritize building long-term relationships with their customers. They aim to provide exceptional customer service and have been recognized for their efficient claim processing and payment cycles, earning a reputation for dependability. The group has served over 15 million customers with individually tailored plans over 50 collective years in the industry.
While opinions vary regarding the quality of USHEALTH Group and its subsidiaries' services, some customers have expressed concerns about their experiences with certain agents. It is always advisable to conduct thorough research and consult multiple sources and reviews before selecting an insurance provider to ensure that one's specific needs are met.
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Freedom Health's Dual Eligible Plans
The D-SNP plans offered by Freedom Health include benefits such as $0 prescription drug copays and $0 copays for primary care physician visits. This means that members will not have to worry about additional costs for these essential services. In addition, most D-SNP plans feature the "Everyday Options Allowance," which can be used for over-the-counter items, healthy groceries, and more. This allowance provides flexibility for members to choose the benefits that are most relevant to their needs.
Additionally, Freedom Health offers a range of Medicare Advantage Plans in Florida, providing an array of preventive services at no additional cost. These services include annual wellness visits, screenings, vaccines, and other benefits to maintain members' health. Freedom Health's plans also offer the Everyday Options Allowance benefit, ranging from $80 to $200 each month, depending on the specific plan. This allowance can be used for various purposes, including food, produce items, utilities, and assistive devices, providing financial support for members' daily needs.
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Freedom Health Medicare Advantage Plans
Depending on the plan selected, members can receive a monthly allowance of up to $200 in the form of a prepaid benefits card to pay for approved groceries and utilities. Members can also receive a monthly over-the-counter allowance ranging from $35 to $135 each month.
Freedom Health, Inc. is an HMO SNP plan contracted with Medicare and the state Medicaid program. Enrollment depends on contract renewal. The company does not discriminate, exclude people, or treat them differently based on race, colour, national origin, sex, age, or disability in its health programs and activities. Translation services are also available for those who do not speak English.
The Centers for Medicare & Medicaid Services awarded Freedom Health's 2022 Medicare Advantage plans a 4.5-star rating.
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Freedom Health's Point of Service (POS) plans
The POS plans offer access to the same high-quality in-network health care facilities as the Freedom Health HMO plans. However, the added flexibility of seeing out-of-network doctors comes with a higher monthly premium. This option is ideal for members who value the choice of healthcare providers and are willing to pay more for that privilege.
The POS plans are available for groups or organizations with 51 or more employees. Additionally, some high-deductible POS plans qualify for a Health Savings Account (HSA). For organizations with employees living outside the Freedom Health service area, the Network Options wrap plan can be used in conjunction with the POS plan. This allows out-of-area members to utilize participating healthcare facilities in their area at an in-network benefit level, reducing costs when using out-of-network providers.
Freedom Health's POS plans empower members with choice and flexibility in their healthcare decisions, ensuring they can access the providers they want while still benefiting from the high-quality care associated with Freedom Health.
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Freedom Health's HMO plans
Freedom Health, Inc. is a licensed health maintenance organization (HMO) with a contract with Medicare and the state of Florida Medicaid program. The company offers Medicare Advantage plans with Part D (prescription drug) coverage in Florida. These plans often come with $0 additional premium costs per month and a $0 monthly premium. The out-of-pocket maximum ranges from $1500 to $3400.
Freedom Health, Inc. has been approved by the National Committee for Quality Assurance (NCQA) to operate as a Chronic Condition Special Needs Plan (C-SNP) through 2025 and a Dual Special Needs Plan (D-SNP) through 2026. The company's Medicare Advantage plans have received awards for their quality. Every year, Medicare evaluates plans based on a 5-star rating system.
Medicare beneficiaries can enroll in Freedom Health through the CMS Medicare Online Enrollment Center at www.medicare.gov. Enrollment in Freedom Health, Inc. depends on contract renewal.
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Frequently asked questions
Freedom Health is a Medicare Advantage Plan that works like traditional HMOs and PPOs.
Freedom Health covers hospital and medical costs, as well as prescription drug coverage.
Freedom Health offers plans with premiums as low as $0, with low-cost doctor visits as well.
No, Freedom Health does not currently offer PPO plans.
Yes, Freedom Health offers Special Needs plans for those with chronic illnesses, as well as both Medicare and Medicaid.
