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LifeShield Short-Term Health Insurance Review

45 Customer Comments & Reviews - see all comments
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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.
 
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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

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45 Customer Comments & Reviews

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C
Cynthia K
6/17/2019
This company lied and twice told me that my family doctor was included in my plan. Imagine what happened when I arrived at my appointment and was told that my doctor is not part of my insurance. Life shield is a crooked company and should be forced out of business.

G
Grace B
5/30/2019
I signed for LifeShield to get health coverage in February 2018, knowing that was a short term insurance, they included Ally RX and Freedom Platinum, which you don't know what are. Agents don't explain that in the monthly amount that you pay are 2 payments for discounts in RX (US$29.93) and Freedom Platinum which is a life-accident insurance (us$75.00). When my husband and I called for the Health coverage, nobody told us about these 2 payments that even though you don't renew the policy with LifeShield, you are still charge for them because you have to cancel them separate from LifeShield. Nobody tells you about that. You will be charge in your credit card and pay it for and you don't have... Read More

N
Nancy W
5/23/2019
Do not purchase this insurance. Claim submitted in February. Insurance company made four errors processing a simple claim. Customer service is the absolute worst of any kind of company--insurance or otherwise--that I have EVER experienced. And in the end not one dime is being paid.

Jim M
5/21/2019
One of the worst consumer experiences I have ever been through. Despite high premium, they have yet to pay ONE SINGLE claim we've made-- all of which were clearly within the coverage guidelines. Even the insurance broker who we used to purchase this healthcare insurance has thrown in the towel, and seeking damages.

J
Julie
5/9/2019
This is a bad deal. Buyer beware!! You will pay and your claims will not be paid. The customer service is the worst that I have ever experienced and they will give you the run around so that the claim in not paid. The customer service people can't even tell you the proper address to send the "additional" information they are requesting. I have a very strong feeling that this is a scam and I am going to have to send my attorney after them in order to get any movement. Do not get this insurance!

Jeanne B
5/6/2019
This Company makes Insurance sound really good but its not, they give you a run around from phone number to phone number and dont help you at all.Pretty bad when the agent that gave you the policy lies to you says it covers anywhere and it doesnt .Also the agent wont return your calls This place sucks.Im going to turn them into the Better Business Bureau.

T
TESS N
5/5/2019
THEY SHOULD BE OUT OF BUSINESS.THEY SCAM YOU TO PAY YOUR MONTHLY DUES AND THEY DONT COVER ANY BILLS.

T
TESS N
5/5/2019
I been in this insurance for a year and paid my insurance every months then I saw the doctor and had procedure done but even a penny never pay my coverage ,now I paying my doctor with all the procedure I had done. They insurance is fake. ALL THE MONEY I PAID WITH THIS COMPANY I SHOULD GIVE TO GIVE TO MY DOCTOR TO COVER ALL MY VISIT AND I STILL HAVE $1000ON MY POCKET.

sabifl
4/27/2019
scam,scam,scam.They should be out of business. They get your money and denies all your claims.

Dana W
4/24/2019
It is a horrible lack of coverage, They send documents that state you have 30 day review time and then when you call 15 days after receiving the hard copy of materials. They tell you can't get a refund because the my benefits keeper website had the information about the 10 day view period. Did you inform me to review the website, too. No!!!!

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