What a joke it was working for this company. I can't call it an insurance company because legally they can't even call their product "insurance". However, they train the agents to tell their prospective customers that they are enrolling in a Cigna PPO plan which is the furthest thing from the truth. Cigna is simply the provider network they use. They also tell the customers that it's a $0 deductible plan with a $3,000 max out of pocket but they fail to mention that it's a limited benefit health plan that doesn't cover pre-existing conditions and in order to utilize the out of pocket max you need to upgrade your plan to a different one with a highly inflated premium that is never discussed when you enroll. We were also trained to avoid the subject of a tax penalty that will be incurred for not having a qualified health plan. This penalty is still in effect for 2018. I didn't last long at this company simply because I was already licensed when I started and quickly realized they were scamming customers with complete disregard of the general public.
Their ideal agent is someone with no insurance experience and usually an individual with limited education and desparate for money. The majority of their managers barely have a highschool diploma and the few with college degrees have little or no work experience other than with USHA. Everyone is considered a 1099 subcontactor even though they slave drive you as if you were an employee. The company would never survive with W-2 employees because every typical HR infraction is violated to the extreme from drug use to sexual harassment. The company would lose at least half of its workforce if they had random drug screening. They try to impress newcomers by bragging about a so called Stevie Award that apparently the company wins from time to time however after researching the award, which has only been around since 2002, it's an award that you nominate your own company for and no other real insurance companies even participate in it. Heck, I even have a World's Greatest Mom coffee cup. Impressive isn't it.
Here's some other little known awards this company has accomplished: The company with the most suicides in the past five years, The company with the most drunk driving accidents, The company with the most divorces, The company with the most children in drug rehab, The company with the most families in therapy. What can you really expect to happen to the children though when you're not expected to have a life outside of work? When you neglect children of your much needed time, love, and affection how do you really expect them to turn out? How many USHA children are being raised by nannies, babysitters, or grandparents? Even some newborns are being abandoned too soon. There are some real success stories from this company though. A former addict that actually married their drug dealer found success with USHA. So I guess every cloud really does have a silver lining. I just feel bad for the kids. What's really sad is that everything written in this post is 100% true and anyone from that company that reads this knows it too. None of them however has the integrity to do something about it.
What a scam this company is. The agent completely lied about what i was being sold. The plan didn't cover anything the agent said it would. None of my doctors wanted to accept it. It covered absolutely none of my preventive care like my other plans had. The prescription coverage was a joke. After doing some research I found out that what was sold to me can't even be legally called "insurance" even though the agent certainly called it that. I also ended up having to pay a tax penalty for not having a "qualified health plan" but my agent assured me that would never happen, boy was he wrong. I had to pay a $2,500 fine for not having real insurance.
To make matters worse, I ended up in the hospital for a routine surgery and was told my plan wouldn't cover any of it unless I upgraded to their major medical plan which out of desperation I did. My premium increased from around $300 a month to $900 a month and that I would have to pay the $900 for all the months prior to the incident that I had the coverage. That was about another $6,000. Then I got a call from the agent telling me that I need to enroll in an Obamacare plan because their company no longer wanted to cover me. The whole experience was a disaster. Lesson learned for sure. So consumers please stay away from US Health/Freedom Life, your life just may depend on it.
USHEALTH Group Reviews
HOPE Helping Our Pockets Everyday
What a joke it was working for this company. I can't call it an insurance company because legally they can't even call their product "insurance". However, they train the agents to tell their prospective customers that they are enrolling in a Cigna PPO plan which is the furthest thing from the truth. Cigna is simply the provider network they use. They also tell the customers that it's a $0 deductible plan with a $3,000 max out of pocket but they fail to mention that it's a limited benefit health plan that doesn't cover pre-existing conditions and in order to utilize the out of pocket max you need to upgrade your plan to a different one with a highly inflated premium that is never discussed when you enroll. We were also trained to avoid the subject of a tax penalty that will be incurred for not having a qualified health plan. This penalty is still in effect for 2018. I didn't last long at this company simply because I was already licensed when I started and quickly realized they were scamming customers with complete disregard of the general public.
Their ideal agent is someone with no insurance experience and usually an individual with limited education and desparate for money. The majority of their managers barely have a highschool diploma and the few with college degrees have little or no work experience other than with USHA. Everyone is considered a 1099 subcontactor even though they slave drive you as if you were an employee. The company would never survive with W-2 employees because every typical HR infraction is violated to the extreme from drug use to sexual harassment. The company would lose at least half of its workforce if they had random drug screening. They try to impress newcomers by bragging about a so called Stevie Award that apparently the company wins from time to time however after researching the award, which has only been around since 2002, it's an award that you nominate your own company for and no other real insurance companies even participate in it. Heck, I even have a World's Greatest Mom coffee cup. Impressive isn't it.
Here's some other little known awards this company has accomplished: The company with the most suicides in the past five years, The company with the most drunk driving accidents, The company with the most divorces, The company with the most children in drug rehab, The company with the most families in therapy. What can you really expect to happen to the children though when you're not expected to have a life outside of work? When you neglect children of your much needed time, love, and affection how do you really expect them to turn out? How many USHA children are being raised by nannies, babysitters, or grandparents? Even some newborns are being abandoned too soon. There are some real success stories from this company though. A former addict that actually married their drug dealer found success with USHA. So I guess every cloud really does have a silver lining. I just feel bad for the kids. What's really sad is that everything written in this post is 100% true and anyone from that company that reads this knows it too. None of them however has the integrity to do something about it.
What a scam this company is. The agent completely lied about what i was being sold. The plan didn't cover anything the agent said it would. None of my doctors wanted to accept it. It covered absolutely none of my preventive care like my other plans had. The prescription coverage was a joke. After doing some research I found out that what was sold to me can't even be legally called "insurance" even though the agent certainly called it that. I also ended up having to pay a tax penalty for not having a "qualified health plan" but my agent assured me that would never happen, boy was he wrong. I had to pay a $2,500 fine for not having real insurance.
To make matters worse, I ended up in the hospital for a routine surgery and was told my plan wouldn't cover any of it unless I upgraded to their major medical plan which out of desperation I did. My premium increased from around $300 a month to $900 a month and that I would have to pay the $900 for all the months prior to the incident that I had the coverage. That was about another $6,000. Then I got a call from the agent telling me that I need to enroll in an Obamacare plan because their company no longer wanted to cover me. The whole experience was a disaster. Lesson learned for sure. So consumers please stay away from US Health/Freedom Life, your life just may depend on it.