USHEALTH Group
Reviews and Complaints

So I was pretty upset and didn't know what to do. But then I found US Health Group and they were able to help me out. They have a bunch of different plans to choose from, so I was able to find one that fit my budget. And the best part is that they cover wellness checks and vaccines, so I don't have to worry about getting hit with a huge bill again.

The process was really easy too. I just went to their website, filled out a quick form, and got a quote right away. And when I had questions, their customer service team was really helpful. They explained everything to me in a way that I could understand, and they were patient when I didn't quite get it at first.

Overall, I'm really happy with US Health Group. They've saved me a lot of money and made it easy for me to get the healthcare I need. If you're looking for a good health insurance provider, I definitely recommend checking them out.

I had heard about US Health Group from a friend who had used them before and had a good experience. So, I decided to give them a try. However, I quickly realized that this was a mistake. The customer service was terrible and they were not helpful at all. I had a lot of questions about my policy and they were not able to answer any of them. It was like they didn't even know what they were selling.

I also found out that their coverage was very limited and did not cover many of the things that I needed. I was shocked to find out that they did not cover prescription drugs, which is something that I need on a regular basis. This was a huge red flag for me and I knew that I needed to find a different insurance provider.

Overall, I would not recommend US Health Group to anyone. They are a scam and should not be trusted. If you are looking for insurance, I would suggest looking elsewhere. There are many other providers out there that are much better and will provide you with the coverage that you need. Don't make the same mistake that I did and waste your time and money on US Health Group.

I gotta say, US Health Group is the real deal. I had the pleasure of talking to one of their reps and let me tell you, he was a gem. He was super nice to me and made me feel like a million bucks. He even made sure that everything was gonna be a breeze and you know what? It totally was!

Now, let's talk about the coverage. It was freakin' amazing! I've been a customer for over two years now and I gotta say, I've never been happier. They really know how to take care of their peeps.

Overall, I would definitely recommend US Health Group to anyone who's looking for top-notch coverage and amazing customer service. Trust me, you won't regret it!

I gotta say, I'm pretty disappointed with US Health Group. I signed up for a policy back in November 2021, with a start date of December 1st. The premium was $412.22 per month, which is pretty steep, but I figured it was worth it for the coverage I was getting. Or so I thought.

The advisor I spoke with, Capolupo, shared his screen with me during our conversation and didn't let me fill in my own application. I thought that was a little weird, but I didn't think too much of it at the time. He told me that the policy I was signing up for had a 0 deductible and a $3,000 maximum out-of-pocket cost. He also said that there was coverage for wellness exams after a 30-day waiting period. I had a physical and a well-woman exam six months later, and my respective physicians only got paid $245 for the physical and $35 for the lab for the pap. I now owe around $700 for unpaid services. Turns out, the coverage I have is an "upgraded" version, and there are zero surgical benefits. This is not what I signed up for.

I requested my policy documents and a copy of my completed application in November 2021, but I never got a response. I requested them again in March, along with an ID card that I never received. I finally got the ID card in April, but still no policy documents. I reached out to Capolupo by email in July, and he didn't respond. I reached out again in July, and he finally responded, but he denied everything and told me to contact customer service. I finally got someone in customer service to send me the policy documents, and I was shocked to see that my premium was actually $349.27 per month, not $412.22. When I asked Capolupo about it, he said there was a $62.95 "association fee" that he didn't tell me about. This is unacceptable.

I feel like I've wasted $3,200 on crap coverage that is not what was sold to me, and now I owe an additional $700 to providers. I would have never signed up for this policy if Capolupo had not misrepresented it to me. I think this company needs to be sued under the DTPA. They're lucky they haven't been hit with a class action yet.

A broker set us up with USHealth Group in January of 2023. We were able to get on a marketplace plan in May of 2023. I called in April to ensure our plan was cancelled. Turns out they've continued taking money from our account all this time. Stolen over $6,000 from our small business savings account. When I called they say they have no records of any calls from me other than January which is not true and I have phone records now to prove it.

This company is as crooked as they come and I'll spend all my free time to warn everyone I can about them!

1 Star only because 0 isn't an option.

Stay far away. This company is fraudulent.

I was laid off and needed "gap" insurance for myself and my 3 month old daughter for 3 months until we could join her healthcare plan. When I spoke with an agent to get signed up, I made 2 things VERY clear:

1. I needed a plan that would cover vaccinations for my daughter as she would be receiving her 4 and 6 month vaccinations during the time we would be covered.

2. I needed coverage to end effective on a specific date as we would then be covered under my wife's insurance.

I was billed for the 4 and 6 month vaccinations and nothing was covered. I called to dispute it and got nowhere with customer support. They said their company policy to file a claim was for me to email the customer service rep who would forward my email to their manager who would then forward my email to their Customer Affairs department. They would not CC me on any emails nor was there any way to confirm that my claim was received. They would not give me contact information for their Customer Affairs department and there is nothing online to contact them directly.

They also charged me past the date when my policy was to be cancelled. I called to dispute this an]\d they claimed that I never called to cancel my policy.

This company is fraud to the highest degree. In 3 months (4 since they didn't cancel my policy when asked) I will have spent $3500 out of pocket with ZERO coverage for my daughter's vaccinations.

They should be shut down.

FRAUD. FRAUD. FRAUD.

Fraud and misleading marketing and representation to sign me up for coverage!
This is a joke and scam!
I called the number on my card for members to call. She gives me another number to call and tells me I will be speaking to a live person.
I called that number and it is the same automated system that I just called 20 minutes ago!
This is a scam!
Hello Craig,
Craig Sawyer
Platinum Agent - Licensed and Certified in 31 states
USHEALTH AdvisorsTM
I have been on my log in page with myUSHG (see attached photo) :
I click the link for PPO Network - PHCS Limited Benefit Plan.
I look up my providers and they are listed.
2 of my providers called and said that my insurance does not cover them.
We looked them up and you said they were in the network.
I just called the member customer service number and that was a horrible experience!
I am receiving conflicting information.
This looks like fraud and misleading and a scam!

What kind of mess is this?
This needs reported to both state and federal regulators that we care being mislead and that this is fraudulent!
I am extremely upset and disappointed!
PLEASE ADVISE!
Brian K. Shaffer, MA, MS, FT, LPC, NCC, ICAADC, ACS
PhD Candidate
Licensed Professional Counselor | Clinical Professional Counselor
National Certified Counselor | Approved Clinical Supervisor
Internationally Certified Advanced Alcohol & Drug Counselor
Pastoral Bereavement Specialist | Grief Counselor
Fellow in Thanatology

I am receiving text messages from a Chloe with US Health Advisors... this person has sent me text messages that are threatening, racist and condescending. I will be taking this information to BBB and to the police to file a harassment report.

My wife and I have a small business we currently have health insurance but the coverage has changed and our preferred network of hospitals and drs changed so we decided to search elsewhere.

We were given 3 policy choices by the agent we were working with. UHC, Cigna and Blue Cross

What turned out to be US Health Group was sold to us as UHC and the premiums were significantly less and the coverage, deductibles were much better.

We had a underwriting phone call but I assumed this was a 3rd party for UHC it wasn't. When I received cards in the mail and researched the name US health group and freedom I realized this was not what i signed up for. I quickly called and cancelled the plan before they deducted the premium from my business account.

My agent is a liar and she is only doing what the company pays her to do. This is a discount card not insurance. If you go to hospital and admitted you will have reality check its not insurance. I suggest you get real insurance if you can't afford insurance check for state programs. Its decent for regular doctor visits. If you get ill and hospitalized then be prepared for 10k plus out of pocket. If your on a family plan it will cripple you. Stay clear and don't trust the sales agent.

I was quoted $335/mo by agent Kyle Joseph Moran agent #[protected]. I've been being billed over $440/mo. He did a bate and switch! I even cancelled my prior insurance for the one he was offering me. He acknowledged he made the mistake when I spoke to him on the phone today. He said he listed me as a man and that quote was lower. That makes no sense because I also had to have a recorded phone interview to be approved for this insurance and I'm obviously a woman! The form completed and contained in my packet says Female! This is not acceptable and it needs to be fixed!

My name is L. I'm a [protected] healthy woman, with a 98 year old mother and prior family who all lives into their 90's. I've never smoked; I'm fit; I have no pre-existing conditions, and I have no prior medical issues.

If I could give negative stars, I would. We've had this insurance for many years and have probably paid well over $100,000 in premium over that time. We've had no medical expenses until recently, so we didn't know how horrible they were until my daughter needed surgery in August. They ignored our claim forms, phone calls and emails for more than 3 months until I left a negative review online, at which point they had Karen Falgoust, Sr. Consumer Affairs Specialist, reach out to me.

For three months, Karen facilitated our claims so my daughter could get the care she needed and we could utilize the benefits we'd been paying for the past decade. She did ask in an email on 8/13/21 if I would remove my negative comments online, and I advised that I would once all the medical bills covered by our plan were paid in a timely manner.

Unfortunately, Karen started responding evasively to my messages in November, then stopped responding to me completely when I emailed additional bills for payment on 1/13/22 and followed up on 2/11/22.

We had to pay the surgeon out of pocket because his billing manager said US Health Group has such a horrible reputation in the medical community for doing everything possible to avoid paying bills and they couldn't take the risk of not getting paid. And of course US Health has gone silent now that I’m trying to get back the money we are owed.

I'm beyond disappointed that their improvement was so short-lived and US Health Group is once again putting my child's health and our family's financial future in jeopardy.

I tried to cancel a group with US Heath Advisors. We changed our group plan on 10/01/2021. The agent and company number we called said to bad. They would not help stop the coverage on 09/30/2021. We need the refund of the October payment.

W.H.

After being rushed through the 'paperwork', and rushed through a few calls, I finally asked specific questions about coverage for each of my docs. Subsequently each of those docs have told me that they have NEVER accepted this 'insurance'. They actually felt sorry that I was scammed. Docs I have had for 20 years. This will end up in legal for sure...

Complaint vs Ashli Cleaver-Bascombe
USHEALTH Advisors In OH

When I changed my mind she sent 2 hate mail by email and by text. Stay away from this Co. I told my dr to not release anything to her. She got mad and wrote me. Low Class people on commission like her work here. They Tell u to lie about Things too and mislead u.

They denied my application because I once had taken a prescription medication and had physical therapy.

Their underwriting process is a joke, there is no medical science behind their decision process, if you let them see your medical record they will do word searches and compare with an administrative check list using medical terms they do not understand, no followup for clarification, and just deny you.

This whole process took over 2 months, and my current had in the mean time expired, and was left uninsured after the denial.

This is also age discrimination because the older you are the more words they use to deny you with. They say if you come down with anything that you didn't tell them they will deny coverage (good thing I got denied), based on their business practices if i skinned my knee at age 8, and forget to mention it I will be denied coverage.

They also try to up-sell you on stuff that isn't really insurance, needlessly adding to the cost. Buyer beware.

Me and family have had ins with us health for 2 yrs now.in october son had inflamed appendix. After all said and done owed hospital close to 10k. Well it only paid $445.00 that threw up a red flag according to policy paperwork I had and what was covered. I started going back looking over the last 2 yrs and here's what I found. There had been 19k in claims filled. The provider (dr) gave 5k in discounts, ins paid only $1, 609 all together toward the 19k in claims. This ins was costing 1, 120 a month with all the perks they say.in all reality ins was costing 1, 620 a month when you break down claims. Wife called and discussed with ins company. They told here all these claims fall in a dark area thats not covered. Funny how that happens darn the luck. So I called and was given the run around for 3 weeks about cross referencing claims. I performed my own cross referencing and sent to them and was still given the run around. So as of today my policy was canceled. Im posting what I was sold so everyone can see its all great until you need it. Read this before you buy ins from this company. Please dont get in to the same mess I did with this company. Expensive lesson learn on my part.

The premier choice — premier med. The premier choice is a sickness and accident policy that has a zero deductible then pays 100% up to the benefit amount. It will pay for 6 doctor visits per person per year and whatever that person does not use will rollover to the next year. It will also pay for 2 visits per person to a urgent care clinic and 3 visits per person to a chiropractor. The drug card has a zero deductible then is $10 for generic and $30 for brand. It will also pay for lab, testing, xrays, etc.. With a zero deductible. If anybody is admitted into a hospital or needs to have surgery the claim can be filed on the premier med major medical which has a $4000 deductible then it will pay 100% unlimited! However there are some supplements included that will pay your $4000 deductible for you.. The executive diamond association has a $500 deductible then will pay 100% on any accident up to $10, 000 and if the accident claim were to go over the $10, 000 benefit they will apply $4000 to the $4000 major med deductible meaning on any kind of accident you will have a $500 deductible then it will pay 100% unlimited. It will also pay $800 per day of hospital income if anybody is ever hospitalized. The premier choice will also pay $1400 per day which totals $2200 per day. So, on a 2 day hospital stay the $2200 benefit times 2 equals a benefit of $4400 which is used to cover the deductible on the major med. This means on a 2 day hospital stay your out of pocket would zero with no maximum on company pay out. Also, if you are in the hospital more than 2 days it will continue to pay you $2200 per day and you can use this money to help offset loss of income, business expenses, personal bills, etc.. The medguard critical illness will pay you a lump sum of money on diagnosis if anybody is ever diagnosed with 15 major illnesses such as cancer, heart attack, stroke, etc.. So lets assume someone is diagnosed with cancer or had a heart attack the $4000 major medical deductible is deducted from that benefit and you will get a check made out to you for the balance and you can use that money to pay business expenses, loss of income, personal bills, etc.. Or you can use it anyway they want to. There is also a small life insurance benefit on you and wife for $150, 000 each and $15, 000 on each child. Us health group is rated a+ by the bbb and the la state insurance dept and the underwriter freedom life has the same ratings. Also, us health was given the award of top insurance company for 2016. With this policy you can go to any doctor and any hospital you choose, including specialty hospitals out of state. However, it is a ppo plan and uses the cigna network which you can find at the bottom of my website to view doctors and hospitals! I have been in insurance since 1986 and this is by far the best coverage you can get. Please let me know if you have any questions.

Back in 2012 I already had some decent major medical health insurance but had. $2500 deductible.
I Received a call from an agent that was selling this ‘better insurance product" at a better rate.
I met with them and they said it only covered 1 medical office visit (sick) visit annually because ‘it is for healthy people that don't go to doctor much". It DID however cover all major medical hospital visits with No deductible and up to 2M coverage. He even went they the book and verified each major hospital in every city where we travel often.
Great! I signed up that day. I've been paying $300 a month for this coverage.

The complaint is this. I had a medical emergency last week that puy me in the hospital overnight, for 13 hours total. Of course billing came into my room and said my insurance is ‘basically no insurance' . She said it only covers a total of $250 of my stay. I asked you mean all but the first 250? She said "no only 250 total one time a year". I looked at her and said "whybth hell would anyone pay 300 a month for a 250 annual coverage"
Well I was released the next day and quickly received by bill in the mail. $16, 000.00 !
I called Freedom Life and asked them to explain my coverage. After a while of waiting and looking they responded with this.
" * No coverage for Doctors visits.
* Max 250 annually for ER visits.
* Max 400 daily for hospital visit, BUT
No coverage for Labs, Doctors, Doctor assistants, Surgeon, Surgeon Assistants, Anesthesiologist, Hospital Pharmacy.
WHAT ?!

So basically this $16, 000 bill is mine less 250 they cover!
That's crap! They've basically been stealing from me fo 6 years and now I still have a huge bill.
I've read this story online over and over and it's just not right. There should be a recourse for me (us).
What can I do? Where can I complain?

Alert
BBB found insurance agents associated with USHealth Group, Inc, the parent company of Freedom Life Insurance Company of America, had posted positive reviews on the company's BBB Business Profile. BBB's customer review policy states a reviewer may not have a personal or business affiliation with the business they are filing the review for.

In response to BBB's allegations, the company stated they identified the agents who posted the positive reviews and claimed they were customers of the business.
Pattern of Complaint
Based on BBB files, Freedom Life Insurance Company of America has a pattern of disputes alleging product and contract issues. Consumers allege the insurance agents from Freedom Life Insurance Company of America inform them that certain benefits are available in the plans they select. However, consumers later find out post enrollment that those benefits are not included and are subsequently billed for services they believed were included in their plans. Furthermore, consumers are informed by Freedom Life Insurance of America agents that the health insurance plans they enroll into are compliant with the Affordable Care Act. However, the consumers later find that the plans are not ACA compliant and are fined penalties by their states for not meeting the minimum coverage requirements.

USHealth Group, Inc, Freedom Life Insurance Company of America's parent company, responded to the pattern by refuting the claims made by BBB. USHealth Group, Inc states they have robust mechanisms in place that ensure consumers are well aware of the type of coverage they are enrolling in. Additionally, the business states due to the high number of applications they process the complaint size is too small to be labeled as a pattern and that the increase in the number of complaints correlates with the growth of their business.

For more details regarding disputes received by BBB, please visit the complaints tab of this business's BBB Business Profile.

Isnt it funny how all of the comments on this thread that are favorable to USHA/HG, have all of the thumbs up while the negative ones have all of the thumbs down? Its pretty clear to me this company has it employees go through these review pages and websites and attempt to mislead. Hey, actually wasnt this company accused of doing the same thing on the BBB website? Search this company on the internet and you will find all sorts of bad reviews and experiences. The company and CEO wins "awards" that are paid for by the company so they can attempt to combat all of the negative feedback. They claim these "awards" are prestigous, LOL. They just had a huge company retreat in Cabo Mexico with all of the money they are obtaining via misinformation/scamming. Bottom line: company is a scam, definition of shady. Do yourself a favor and stay away.

You think it is any better working for this company they care nothing for you and hey be nice to that poor agent on the phone they are just trying to make a living and that agent has had to pay for everything and the company has nothing to loose and are so mean to them and you because if they treat the employees that way how will they treat you is the question

First of all USHealth Group isn't any part of Homeland Healthcare. Homeland Healthcare has several policies that they sell. Homeland does there customer service ONLY! I have had a policy since September when this policy came out and they have paid all my claims also they have covered my pre-exisiting conditions. So before you put something on here you might want to research the company more so you know what your talking about. Not all insurance companies are not going to satisfy everyone.
One happy customer :)