ConsumersAdvocate.org
45 Customer Reviews - see all comments
Disclosure: We receive advertising revenue from this partner. Learn more.
LifeShield National Insurance Company, also known as LifeShield, was founded in 1982, and is headquartered in Oklahoma City, Oklahoma. The company is an affiliate of the Midland Group, and offers life, cancer, critical illness, and accidental insurance products and services in the United States.
- $0 application fee
- MultiPlan PHCS network of doctors and hospitals
- Almost 900,000 healthcare providers under contract
- 2 short-term plans to choose from
- 6, 12, and 36 terms available in selected states
- Affordable primary care access
- Coverage for mental health care and substance abuse available
- Lifetime maximums up to $1,000,000
Latest LifeShield Reviews
Terrible company. This company took payments for insurance for over four years and 15 days before the person passed away. They canceled her insurance for no reason. She had a five-year term life insurance policy that they could not get their act together to renegotiate and not interrupt coverage. She fell in the limbo period While they were trying to work things out but they canceled before they were successful And 15 days later, the insured passed away leaving her family and 18 year old daughter in financial disrepair. They does not care one bit. Awful company. I would never consider using this company unless the policy you are purchasing from them does not allow for them to cancel at... Read More
Do not get insurance with this company. They are a SCAM company. They will take your money, but do nothing towards your medical bills! Customer service, if you can call it that, is a huge joke! No one helps you and they just want your money! I know from experience! Stay away from LIfeshield national insurance co.
Horrible Company! They will take your money and run! They are the biggest joke of a business, but I guess they are getting rich ripping innocent people off! Do not get scammed by them!
Lifeshield is horrible! They just steal your money and do nothing for you. They drag everything out for a year or more and then tell you that the very small amount they pay towards claims is all that’s allowed in your geographical area! What a joke! The amount they pay is very very small!
DO NOT GET INSURANCE WITH LIFESHIELD STM! I have been dealing with them for over a year to try and get my medical bills paid from an injury I had that required a disk in my neck to be repaired! Called again this morning June 8th, 2021 and after being disconnected twice and another long on hold, I finally got the same girl I always get and still no help! They give me a different story every time I call the TPA thing they use for claims! I sent my own medical records twice with a signature card to be returned and they sign it COVID 19! How professional of them! They keep you hanging on to get more money out of you! I have spent hours on the phone with them or just being on hold! Please to... Read More
What Bernie Madoff is to the financial industry LifeShield is to medical insurance! After ripped off 2/3 years ago and complaining to my state attorney general I’m shocked and saddened our government continues to allow LifeShield to prey on the vulnerable. With 100s of complaints on these web sites, what more evidence is needed? LifeShield virtually 100% profit scam because the premiums customer wastes not a penny of coverage in return for most claims. OK, maybe less than 1% of my bills covered but you’re still better off paying the medical bills on your own! LifeShield only doubles your medical costs because the money WASTED on their premiums I could’ve instead used to pay off my own... Read More
Consumers Advocate, this is . Readers, don't believe anything in this article, believe the customer comments. This is not a real business. Customer service consists of being passed from one coworker to another in somebody's basement. If you need a laugh ask for the customer service representative's job title. I got passed to a "supervisor," asked for her job title, and she said "I am advisor to...here." That's really all you need to know about this scam.
Scam alert 📢 Do not buy this insurance. They Don't pay claims.poor custom service. Double talk, delay tactics ,missing documentation , everything is under review,everything is a preexisting condition etc.etc. zero stars rewarded.
BEWARE! THISE COMPANY IS A SCAM. THEY DONT PAY CLAIMS, THEY AVOID BILLING FROM THE DOCTORS FOR MONTHS THEN YOU GET STUCK WITH THE BILL. THEY DO NOT PROVIDE ANY COVERAGE THAT YOU PAY FOR. EXPECT TO PAY OUT OF POCKET 100% EVEN FOR A RUTINE DOCTORS VISIT. SPEND YOUR MONEY AT A REPUTABLE INSURANCE COMPANY. THESE PEOPLE ARE JUST STEALING YOU MONEY.
Do NOT get this insurance. Terrible is not even a good description. My 2 year old broke her arm and they denied every single claim for that, as well as every regular doctors visit and checkup. Kept saying they needed information from the doctors office which I personally faxed & mailed as well as the doctors office did the same. Just awful. We are stuck with thousands in medical bills because of this company. They don’t even deserve 1 Star
Worst "insurance" money can be wasted on. 6 months since my surgery without payment. They keep telling my doctor, and now me, that they have not received the claim. I have fax confirmations as well as letters from them showing they have received everything they need to pay. I have called, faxed, emailed, and ground mailed letter after letter after letter with them STILL saying they have not received anything.
DO NOT WASTE YOUR MONEY!!!!!
They are the worst health insurance company I have ever dealt with. They denied all of my claims so I had to get a lawyer and appeal and won the case. Their customer services is horrible and they still have not paid the full amount to my providers after winning the case.
Do your self a favor and never let any of yourself, friends, or loved ones use Lifeshield for short term health insurance!
Got stuck for $16,000 in hospital bills (emergency room and followup procedures for illness)....... that Lifeshield refused to pay... Another lady from Missouri had a gun safe fall on her wrist, and was denied $9,000 in emergency and orthopedic surgical follow-ups...... Filed a complaint with the Oklahoma City Better Business bureau where Lifeshield is headquartered, I discovered they are a non-accredited business with a "F" rating and 33 consumer complaints..... Not cool to exploit poor folks who need insurance...... Shane on you!!!!!!
Agree with others below. They are experts at not paying claims. Plan to report to State department of Insurance.
We (two healthy, nonsmoking young adults) had this company for health insurance for almost a year. During this time, they dodged and denied the ONE claim we made, for emergency appendectomy for my husband. They denied the $90k bill. Said they'd give us $2500 towards our max out of pocket, but max out of pocket doesn't apply so we still owe the $9k the hospital billed us after re-running it as if we didn't have insurance. Which we might as well not have. The insurance agent dodged, ignored, and refused to answer any questions. This is a scam, pure and simple. Do not recommend this policy.
My wife has been to Dr office, ER, and urgent care for various reasons in 2019. Accident, illness, and prescription refill ect.... The hospital and Dr office verified they have sent medical records 2x, but Lifeshield continues to report not receiving. We have since been turned into collections and the hospital says they always have issues with Lifeshield not responding, losing records and not paying their portion of bills, This started last Feb 2019 and we owe over $800 and collections are sending us notices. I am now sitting on hold with Lifeshield and the automated system says wait time 1 minute - its been 15 minutes. 0 stars from me!!
I had this group for 1 year. They never paid for any medical bills. They claimed everything was preexisting services. On renewal, they wanted to raise the monthly premium over $100 per month. Stay away from this company!!
Stay away from this company. Absolutely worthless. You will be billed and nothing will be covered by this sham excuse for an insurance company. DO NOT USE LIFESHIELD!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
yeah ,put me on the list with the rest of these victims,,TOTALLY RIPPED ME OFF PAID FOR NOTHING i di all my dedcutible payments and all my copays ,then a year later the doctors office sent me a bill for all the fess this sham company sent out A YEAR LATER ,refusing to pay for ANYTHING ,all they are selling is false hope and false coverage for we the ones who already cant afford the rip off of insurance companies now days,,,then along comes these clowns!!robbed me blind and doctors office put all those refused paymehts onto my credit scrore,,robbing useless clowns,
DO NOT GET!!!!!!!!!! THEY PAY FOR NOTHING. COMPLETE TRASH. I HAVE $50,000 IN SURGERY FEES AND THEY WILL ONLY PAY $3,000 AFTER A $2,500 DEDUCTIBLE
As near as I can tell, there is absolutely NO BENEFIT to having insurance coverage from this so called provider! I made the mistake of signing up for their insurance for the past 7 months, just so I have some type of coverage while in transition inbetween jobs. They completely refuse to pay for ANYTHING! Additionally, unlike coverage I've had from other carriers, there is not even a Discount for Any of the services that I receive from my Doctors visits that I'm responsible for! I had a funny feeling about this company from day one, when the insurance agent actually gave me a "gmail" email address to contact her by! What does that tell you about this company? Looking back, I could have gone... Read More
Please, do not use this insurance company. Lifeshield National Insurance Co. is a scam. They refuse to pay for everything, including wellness tests. Every time you call they tell you a different lie and never pay for any service. DON’T GET THIS INSURANCE COMPANY.
They refuse to pay anything for the emergency hand surgery. Customer service is terrible.
Do yourself a favor if you do not have health insurance through your workplace stay away from these con artists and the agents who sell this policy. Went to two general doctors office visits ( which I am allowed 3 yearly) and on the first visit I was prescribe a medication which I have been taken for years. This scam artist insurance refused to pay the claim because of an "existing condition".. 2nd visit I went with not EVEN BEING PRESCRIBED ANYTHING and guess what, did not pay the claim even though I paid the 30 dollar copay each visit. Calling their so called customer service department was an absolute ordeal.
My wife had an auto accident and broke her neck. After 8 months, they have paid almost none of the bills. Not for the X rays, not for the ambulance, not for most of the doctors. Instead, they have FOUR times asked for the police report which was given each time, have asked each time for a list of her doctors for 60 months, and denied the claims four times as "we need to determine if this is a pre-existing condition. Please provide the following ..." where they then ask for the same things once again. they paid part of the hospital, which is great, but their not paying anyone else sucks! They also have denied my son's getting treated for the flu as they needed to verify if it is... Read More
Like most short-term health plans, LifeShield’s plans don’t cover maternity or newborn care. However, unlike other providers, LifeShield doesn’t provide any coverage when it comes to outpatient laboratory services or x-rays. Additionally, the company doesn’t have an online member portal for account management or a mobile app. Customer support is provided via email or over the phone. That being said, although LifeShield offers affordable short-term plans, with flexible terms to choose from, its plans are much more limited than those offered by other providers reviewed by us, so we encourage consumers to do some research before purchasing.