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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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Aaron P
4/3/2019
Worst company on the planet. They will put you on a plan. Then a month later call you and tell you they dropped your coverage because the state you live in doesn’t offer that plan. My question to them was then why did you put me on that plan in the first place? The response I got was you are not covered and won’t be able to get on a new plan for 15 days. I have had lifeshield for 2 years and my coverage has lapsed twice because of them.

M
Mark F
3/21/2019
Don't waste your money with this company, they wont cover anything, fought with them for over a year trying to get them to cover my medical bills to no avail. I went to the doctors with in 6 days of receiving their "benefits" and they make you pay for the coverage but don't actually give you any for a week, and god forbid your diagnosed with something in those 6 days because then they will call it a pre-existing condition and wont cover anything! 1 star is far too much for such a worthless company! not prompt about any payments, the customer support is some of the worst I've ever encountered. I was transferred between this company 6 times before I finally found someone intelligent enough... Read More

James J
2/7/2019
I had to go to the ER and receive stitches as a result of a chainsaw accident. Life shield didn’t pay a penny of my hospital bills which I am still receiving. When I called them to ask about it I was shuffled from operator to operator for 35 minutes. DO NOT GET THIS INSURANCE

Zahari S
2/5/2019
Stay a way this company is total rip off,I called them to ask where to visit a doctor ,they send to a doctor in there network and now over 9 months they cant pay the bill of 559 ,Total jocke

Matt D
12/26/2018
Lifeshield Health Insurance is ... no so good. After signing up for their service through the Obamacare website and having their service for 2 years I used their service one time and they denied me service based on pre-existing conditions. This is illegal in the United States, so they claim they are not technically health insurance. This is inconsistent with what they told me when I signed up. So I called them to ask why. After leaving me on hold and bouncing me around for a while they eventually dropped my call. This happened multiple times. Finally they told me they had sent me a letter in the mail requesting more information about my service. I filled this out sent it back. I... Read More

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