Finding reviews on Freelancers Union Insurance is surprisingly difficult and since this page comes high in the list of results I thought I'd post my experience here for others benefit. I had an emergency medical situation one night last year that involved ambulance, emergency room and surgery (no hospital stay though). Even though it was one incident, all of the players involved meant there were multiple claims with multiple line items- convoluted for the customer but standard. After months of processing, I received thousands of dollars in bills totaling far more than my deductible and not one thing covered by the $250 copay my plan is supposed to have for emergency room visits (one claim did explicitly reference "emergency room").

Resolving this with Freelancers took about 6 months requiring call after call from me. Everyone was friendly but not even remotely helpful- each time I called I had to re-explain the situation (re-living a rather traumatic night for me) and pretty much every time I was given a different explanation of why it happened and if/how it could be fixed. I was told it was because the procedure hadn't been pre-approved- an unexpected procedure required to keep me from bleeding to death? A couple times I heard "Oh, I see, it was gynecological", as if that somehow explained it and wouldn't be cause for a lawsuit. Sometimes the actual problem, that the claims weren't correctly processed as a single emergency room visit, was identified but there was always a different story as to how to resolve it. It generally ended with the customer service rep telling me that they would follow-up (with the hospital/Blue Cross/a supervisor) and would call me back within a week. I never once received a call back- I'd have to wait, call back myself and start the process over from scratch. Once I was told to email my situation to a supervisor there and never even received a response acknowledging that my email was received, let alone any action taken.

Ultimately, after about 5 months of this, the claims were sent back to Blue Cross to be re-processed, which apparently was what should have happened from the beginning. Another month of waiting (no call back, of course) and at least the bulk of the claims are now being covered by the single $250 emergency co-pay- still waiting on a couple of them. That's about $3200 less than the original bills that multiple representatives pushed me to just pay. I'm sure there are people in similar situations who do believe the ill-informed representative and get gouged unnecessarily.

So, a happy ending ultimately but really no thanks to Freelancers themselves. I'm now more well-versed in their procedures and policies than their own customer service reps- so be aware that the cost of cheaper insurance from Freelancers is that you may have to do their jobs for them. If it's all you can afford, it's certainly better than nothing and until I make more money I'm stuck with them myself. Something to consider if you're looking into them and can possibly afford something better.