Many or all of the companies featured compensate us. Compensation and research may determine where and how companies appear. Learn more
  1. Home
  2. Short Term Health Insurance
  3. LifeShield Review

LifeShield Short-Term Health Insurance Review

45 Customer Comments & Reviews - see all comments
Our content is free because we may earn a commission when you click or make a purchase using our site. 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.
 
View Top 10 List

How is LifeShield rated?

Breakdown

4.3/5
Plan Features
4.3/5
Cost
4.5/5
Customer Experience and Financial Reputation

Overall Rating: 4.3 / 5 (Excellent)

LifeShield short-term health insurance plans offer consumers affordability and flexibility. The company operates in 30 states, including Alabama, Delaware, Florida, Georgia, Nevada, Ohio, Oregon, and Pennsylvania, among others. LifeShield offers two short-term health plans to choose from: Lifeshield Advantage and LifeShield Flex. Both plans offer coverage for preventive/wellness care, diagnostics services, inpatient hospital services, ER, urgent care facility, and ambulance services. Additionally, the company offers limited coverage for mental health care, substance abuse, and physical, occupational, and speech coverage, which is great, since many short-term insurance providers don’t offer coverage for these.

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.

LifeShield Key Plan Features

Plan Features - 4.3 / 5

LifeShield offers consumers 2 short-term plans to choose from: the LifeShield Advantage plan, and the LifeShield Flex plan. Both plans offer the same deductible, coinsurance, coverage period maximum, and out-of-pocket maximum options. However, LifeShield Advantage has higher monthly payments than the LifeShield Flex plan, but also offers more coverage when it comes to outpatient surgery, ER, and advanced diagnostic studies deductibles. LifeShield's Advantage plan also offers unlimited doctor office consultations for a $40 copay.

Both plans offer terms of 6, 12, and 36 months, which varies from one state to another, and both offer coverage for preventive/wellness care, diagnostics services, inpatient hospital services, ER, urgent care facility, and ambulance services. Inpatient and outpatient prescription drugs are covered if it is stated as an eligible expense in the selected policy. Additionally, the company offers limited coverage for mental health care, substance abuse, and physical, occupational, and speech therapy.
Coverage
Routine Doctor Visits
Diagnostic Services
Hospital
ER
Ambulance
Urgent Care Facility
Prescription Coverage
Substance Abuse
Mental Health Care
Term Range
6, 12, or 36 months. Varies by state.
Waiting Period
5 days for illnesses, 30 days for cancer.
Mobile App
No
Online Account Management
No
Cancelation Policy
LifeShield will reimburse the total cost of the plan, if the benefits have not been used, and the consumer returns the certificate within 10 days of receipt. Additionally, consumers can send a letter to cancel the policy anytime; cancellation will take effect the next premium due date, or at a later time, if specified.<br /><br />LifeShield can terminate coverage if premiums are not received, after the insured's death, or if fraud is committed, among other circumstances.
Prescription Coverage
Generic, brand, and non-formulary prescription drugs are not covered, except for those administered by a doctor in an inpatient or outpatient setting covered under the selected policy as an eligible expense.
Pre-Existing Conditions Fine Print
For the first 12 months, LifeShield will not cover charges resulting directly or indirectly from a condition for which the individual received medical treatment, diagnosis care or advice within the 60-month period preceding the individual's certificate effective date.

LifeShield Plan Cost

Cost - 4.3 / 5

LifeShield short-term health plans don’t have an application fee, and monthly fees vary depending on several factors such as the individual’s location, and age, among others. Additional fees from the Med-Sense Guaranteed Association (MSGA) may also apply. The company offers plans with a lifetime maximum of $750,000 or $1,000,000, depending on the selected plan. Deductibles also vary from one plan to another, ranging between $1,000 and $5,000. LifeShield plans have the option to choose between 20% and 0% coinsurance, and plans have out-of-pocket maximums of $2,000, $3,000, and $4,000, depending on the selected policy. The company also offers copays for doctor office consultations, and different maximums per day for all other services like extended care facilities, mental disorders, hospital services, substance abuse, and physical, occupational, and speech therapy, among others.
Deductible Frequency
Per Term
Deductible
$1,000
$2,500
$5,000
Coinsurance
20%
0%
Coinsurance Out of Pocket Max
$2,000
$3,000
$4,000
Application Fee
$0
Lifetime Maximum
$750,000 or $1,000,000, depending on the selected policy.
Per Day Maximum
Ranges between $50 up to $1,250, depending on the service provided.
Copays
Copays are available for doctor office consultations raging between $30 and $50, depending on the selected plan.

Customer Experience and Financial Reputation - 4.5 / 5

LifeShield National Insurance Company has been rated B++ by A.M. Best, and has an A- rating on the BBB, with a total of 6 complaints over the last three years, which appear to have been resolved. LifeShield doesn’t have a TrustPilot score, but its 2017 NAIC complaint ratio is 0.0, and it appears to not have any complaints filed against it with the NAIC, which is excellent. The company doesn’t have an online member portal or mobile app, but it offers customer support via email, and over the phone.
Year Founded
1982
Company Type
Underwriter
AM Best Financial Rating
B++
BBB Rating
A-
NAIC Complaint Ratio 2017
0.0
NAIC Total Complaints 2017
0
Date Collected
2018-10-30

Company Profile

Full Name
LifeShield Short-Term Health Insurance
Company Website
https://www.lifeshieldnational.com/
Headquarters
5701 North Shartel, 1st Floor, Oklahoma City, OK, 73118

Our Comments Policy  |  How to Write an Effective Comment

Leave a comment for LifeShield Short-Term Health Insurance
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

45 Customer Comments & Reviews

Loading Reviews ...
Dave I
10/29/2019
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

mariab728
10/21/2019
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.

Koni K
8/21/2019
They refuse to pay anything for the emergency hand surgery. Customer service is terrible.

T
Tim Q
8/10/2019
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.

John F
8/8/2019
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

R
Rj
8/1/2019
This company is truly a scam. They purposefully confuse by not responding for months to claims, pretending they never got your records from doctors who saw you in the past, or not enough info from your current visits..... sending you Explanations of Benefits, showing no "COMMENT CODES" which should be there to explain why they have turned down the claim. In fact, I asked one agent why there were no codes to explain denial and she said, "We are in the process of changing some things." How is this my problem? No transparency. So, over and over, you have to contact your doctors of the past, to beg them to send them your past records again. When you call to find out why claims were denied,... Read More

Shane D
7/29/2019
I currently have several unresolved claims because lifeshield will not pay up. I just got out of surgery and now have to deal with this. I cant believe they would do this to someone obviously going through enough. I haven't had a late payment or anything and was given preapproval prior to my surgery. I am reporting them to any and all agencies I can find and will be canceling my policy as soon as this is resolved. - angry customer- Jared Dunn

J
Jorge v
6/30/2019
Lifeshield is the worst health insurance in the market STOP!! DO NOT SIGN UP they like you to pay the monthly payment, but they never going to pay for any bills. The best way I can describe lifeshield is SCAMS.

Julie G
6/25/2019
First Red Flag! They don't send policy with your card. Just wait till you get their foreign call center and they act like they they cant understand you as they are laughing at you!!!! No way to file your claims or find out what your coverage is! Run do not walk away from this company !!!!!!

Tamara M
6/20/2019
Do not utilize this insurance. I was told I would be covered for specific items. When claims were submitted EVERYTHING was denied citing pre-existing condition. Prescriptions ARE NOT covered, even generic. Customer service is horrible. Even when I went to cancel the policy the employee was arguing with me. Horrible company.

Top Rated
Our Partner
  • Get Coverage as soon as Tomorrow!
  • Short term coverage is ideal if you missed enrollment, can't afford traditional insurance, are between jobs, just graduated or retired early.
  • Covers: ER & hospitals coverage, Doctors, Labs, Urgent Care & More
  • Visit any doctor in their nationwide network; no referral required
  • No long term commitment. Budget Friendly.
READ FULL REVIEW >
(866) 264-0504
VISIT SITE

Related to Short Term Health Insurance

Top Articles