Choosing an insurance company can feel overwhelming. There are countless options, each with shiny brochures and fine print. You might be asking: Is Freedom Life Insurance worth it? Or how do I log in, file claims, or even cancel if I change my mind?
This guide answers all of that and more. We’ll walk through the 7 most important things you must know about Freedom Life Insurance before joining. The goal is to save you hours of scattered Googling and give you a clear, trustworthy picture.
And yes—Freedom Life Insurance is real, licensed, and part of a larger group. But like any insurer, it has strengths and weaknesses you need to weigh carefully.
1. Who owns Freedom Life Insurance, and is it legit?
The first big question people ask is: Is Freedom Life Insurance legit?
The short answer: Yes, it’s a licensed company. Freedom Life Insurance Company of America is part of USHEALTH Group, which in turn identifies itself as a UnitedHealthcare company (USHEALTH Group).
This matters because ownership ties give you confidence in financial stability. UnitedHealthcare is one of the largest health insurers in the US. Freedom Life functions as one of its underwriting arms.
Key takeaway: Freedom Life Insurance is not a scam. It’s a licensed entity under a big parent company. However, legitimacy does not automatically mean it’s the best fit for your needs—reviews and plan details still matter.
2. Freedom Life Insurance portals and logins
Another major search intent is figuring out how to log in or access the Freedom Life Insurance provider portal.
Here’s the breakdown:
Member Portal: Managed through MyUSHG, where you can view benefits, ID cards, claims, and documents.
Provider Portal: Available at USHEALTH Provider Portal. This is where doctors and hospitals verify benefits and submit claims.
If you’re searching for “Freedom Life Insurance login,” know that you won’t find a standalone Freedom Life login page—it’s under the USHEALTH umbrella.
Pro Tip: Bookmark the right portal. Many users get frustrated when they can’t find the “Freedom Life Insurance login” and land on generic sites. Always use the USHEALTH Group portals instead.
3. Contact numbers and reaching customer service
Insurance isn’t useful if you can’t reach customer support. That’s why “Freedom Life Insurance phone number” and “Freedom Life Insurance provider phone number” are common searches.
Here are the official contacts:
Member Services: 800-387-9027 (USHEALTH Contact)
Corporate Address: 300 Burnett Street, Suite 200, Fort Worth, TX 76102
Save this number in your phone if you’re a member—it’s the fastest way to resolve billing, claims, or cancellation requests.
4. Claims, payer ID, and how billing works
Providers and billing offices often search Freedom Life Insurance payer ID to send electronic claims.
Common payer ID: 62324 (verify with your insurance card, as it can vary).
How claims work: The provider submits the bill using the payer ID. Freedom Life/USHEALTH processes it and sends back an Explanation of Benefits (EOB).
Quick answer: The payer ID most clearinghouses use for Freedom Life Insurance Company of America is 62324. Always confirm with your provider’s billing office.
5. Dental benefits and who accepts them
Freedom Life Insurance doesn’t just cover health plans. Many members also ask: Who accepts Freedom Life Insurance dental plans?
Here’s the truth:
Freedom Life (via USHEALTH) markets SecureDental PPO plans.
These cover preventive, basic, and major dental care. Some tiers also include orthodontics, but waiting periods may apply.
To find a dentist, use the USHEALTH Provider Search Tool and filter by dental.
Important tip: Always call the dental office before your appointment. Networks can shift, and “in-network” lists aren’t always updated instantly.
6. Reviews and ratings—what people really say
Now, let’s talk about Freedom Life Insurance reviews.
AM Best: Financial strength ratings for Freedom Life show it’s stable, though you should always check the latest AM Best page for updates.
BBB (Better Business Bureau): Freedom Life Insurance Company of America has its own BBB profile. Reviews are mixed, with complaints about claims handling, but this is common across health insurers. (BBB Profile)
Consumer stories: On Reddit and other forums, some members praise the affordability, while others complain about denied claims.
Balanced perspective: No insurer has perfect reviews. Use reviews to spot recurring patterns—like difficulty with claims or network confusion.
7. How to cancel Freedom Life Insurance
Sometimes, you sign up and later decide it’s not for you. The searches “Freedom Life Insurance cancel” and “how to cancel Freedom Life Insurance” are frequent.
Step-by-step cancellation:
Call Member Services at 800-387-9027.
Ask for policy cancellation.
Confirm the final premium owed and your cancellation effective date.
Request written confirmation (email or mail).
Unlike streaming subscriptions, you can’t just “click cancel.” Insurance requires formal termination. If you stop paying without notice, you may face penalties or gaps in coverage.
8. Freedom Life Insurance outside the US
Here’s a gap many miss: when people search “Freedom Life Insurance Philippines” or “Freedom of Choice Life Insurance,” they’re often looking for different companies with similar names.
In the Philippines, Freedomlife Plan Corporation is a pre-need memorial plan provider—not connected to US-based Freedom Life Insurance. (Philippines SEC record)
“Freedom of Choice Life Insurance” is a term used by funeral and burial plan providers. It’s not the same as Freedom Life Insurance Company of America.
Why this matters: Many readers confuse these, so make sure you’re looking at the right company based on your country.
FAQs
Is Freedom Life Insurance legit?
Yes. Freedom Life Insurance Company of America is licensed and under USHEALTH Group, a UnitedHealthcare company (USHEALTH Group).
Is Freedom Life Insurance part of UnitedHealthcare?
Yes, through USHEALTH Group’s affiliation with UnitedHealthcare.
Who accepts Freedom Life Insurance dental?
Dentists in the SecureDental PPO network. Use the USHEALTH provider search tool and confirm with your dental office.
Freedom Life Insurance login?
Members log in through MyUSHG. Providers use USHEALTH Provider Portal.
Freedom Life Insurance phone number?
Member Services: 800-387-9027.
Freedom Life Insurance payer ID?
Commonly 62324. Always confirm with your ID card.
How to cancel Freedom Life Insurance?
Call Member Services (800-387-9027), request cancellation, confirm final payment, and ask for written proof.
Insurance isn’t just about policies—it’s about peace of mind. When you get sick or face unexpected bills, you want quick answers, clear portals, and a company that honors its promises.
That’s why knowing the 7 things about Freedom Life Insurance—ownership, portals, contact numbers, claims, dental networks, reviews, and cancellation—is so important.
If you’re a new customer, you now know what to expect. If you’re a current member, you have the exact numbers, links, and steps at your fingertips.
Closing thoughts
Freedom Life Insurance can be a solid choice, especially if you prefer working under the USHEALTH/UnitedHealthcare umbrella. But the experience will depend on your specific plan, your state, and your needs.
Final advice: Before joining, ask yourself:
Does the network cover my doctors and dentists?
Do the benefits match my family’s health needs?
Am I comfortable with the reviews and cancellation process?
Being informed is your best insurance policy.