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Health Sharing Ministries
Universal Health Fellowship, Inc.This business is NOT BBB Accredited.
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Reviews
This profile includes reviews for Universal Health Fellowship, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Review Ratings
1.3/5 stars
Average of 27 Customer Reviews
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Review fromMaureen C
Date: 01/27/2025
1 starMaureen C
Date: 01/27/2025
We had a recent hospitalization for my husband. UHF paid nothing. Not one dime. They claimed it was all pre-existing condition. When we signed up for this we had no idea as they gave us a very short list of conditions that would be considered pre-existing. My husband has A-Fib and they did not include this a pre-existing condition. We are stuck with $60k worth of hospital bills and UHF paid nothing. Not only that, our insurance went up!! They paid nothing and increased our premium on top of it. What a joke! This is a major SCAM! We were told by the hospital that we would have been better off with no insurance because the hospital would have given us a better rate. All UHF did was adjust down some of the bills but it only amounted to about $20k out of about $70k. We cancelled this waste of money. They give you the run around when you call because they don't want to tell you they are paying nothing. They claim it's another department and they can't get that information. I never ever thought we'd be in this situation. I can see how people lose their homes or have to file bankruptcy.Universal Health Fellowship, Inc.
Date: 02/06/2025
Thank you, *******, for sharing your concerns. We sincerely regret that your experience with Universal Health Fellowship did not meet your expectations. We understand how overwhelming unexpected medical expenses can be and appreciate the opportunity to address your concerns. When members join a health cost-sharing program, they receive detailed Sharing Guidelines, which outline how medical expenses are shared, including information about pre-existing conditions. Per the Sharing Guidelines, A-Fib falls under conditions subject to pre-existing limitations if there were symptoms, treatments, or medications within 36 months before enrollment. We understand that navigating healthcare options and guidelines can be complex. Thats why we encourage new members to carefully review the Sharing Guidelines during the initial 30-day period. Our team also reviews key details, including pre-existing condition limitations, during the enrollment process. Unfortunately, our records show that your husband's history of ******************* (A-Fib) was not disclosed in your membership application, so we could not point out those sharing limitations when you joined. We want to assure you that we value transparency and are committed to helping our members fully understand their program benefits. Although health sharing operates differently from traditional insurance, we strive to provide cost-saving solutions for eligible expenses. If you have any additional questions or need further assistance, please don't hesitate to reach out to our Member Support Team at the number on the back of the membership card. We are here to help clarify any concerns.Review fromlina T
Date: 01/16/2025
1 starlina T
Date: 01/16/2025
Scam, you pay double you pay the doctor and they chip in, if you had a self pay appointment it would be cheaper. They are a scam.Universal Health Fellowship, Inc.
Date: 02/06/2025
Thank you for sharing your feedback, *****. Were sorry to hear that your experience with Universal Health Fellowship did not meet your expectations. We understand that health cost-sharing programs differ from traditional insurance, and wed like to offer clarity regarding how our programs operate. UHFs health cost-sharing model is designed to help members manage eligible medical expenses in a community-based approach. Members contribute to sharing eligible expenses after meeting their Non-Shared Amount (***)the portion of expenses in which members are responsible before sharing begins. According to our records, several factors influenced the sharing of your expenses: The *** had not yet been met for the current membership period. A dependent sought care from an out-of-network provider, which is not eligible for sharing per the Sharing Guidelines. The standard $70 consultation fee for certain visits does not apply toward the ***. We also made multiple outreach attempts, including welcome calls and a follow-up at 60 days, during which you indicated that you were comfortable with your understanding of the program. We appreciate your concerns and encourage all members to reach out to our Member Support Team for guidance on navigating their membership. Were here to help clarify any questions you may have and assist you as needed.Review fromChris m
Date: 04/17/2024
5 starsChris m
Date: 04/17/2024
I have had to call customer service for various things over the last couple of months. Not once have I encountered anything but courteous, friendly and helpful service. Today in particular I spoke to ******. She is a rock star! Went above and beyond to guide me through some upcoming procedures. Maybe I have just been lucky but I wanted to highlight the positive for a change. Too often folks just like to highlight the negative! Thank you again ******!Universal Health Fellowship, Inc.
Date: 04/19/2024
UHF is very proud of its member services team and their steadfast engagement with thousands of UHF members across the country. UHF thanks the reviewer for the kind words, and agrees with them all!Review fromDawn M
Date: 04/08/2024
1 starDawn M
Date: 04/08/2024
My prescription costs went UP from $10/month to $270. I could not find providers they would help with. DO NOT give them your money!!0Universal Health Fellowship, Inc.
Date: 04/12/2024
According to ***s member records, the reviewer signed up with RxSimpleShare, ***s prescription program where all 330 medications listed on the drug formulary are available for $5 each for a 30-day supply. Her claim that her prescription price went from $10 to $270 could simply not have occurred in her program, as no price hike took place, and no drug had been taken off the formulary in the past three months. The only way such an increase could have happened is if she filled her prescription outside of her RxSimpleShare program or with a pharmacy not included in its 10,000-location network. There are *******+ in-network physicians nationwide accessible to the reviewer. If she couldnt find a physician she liked or one close by, *** wouldve assisted her in locating one. If the reviewer had a concern about either of these matters during her membership, she could have called the *** member support number on her membership card for assistance and direction. She never did.Review fromAglow P
Date: 02/29/2024
1 starAglow P
Date: 02/29/2024
Careful when signing up. So far unhappy with what's not shared/covered though it will sound like it is. Not worth the monthly cost.Universal Health Fellowship, Inc.
Date: 03/05/2024
Everyone who signs up with a health cost sharing program from Universal Health Fellowship receives a detailed Sharing Guidelines which specifically points out all the medical expenses that are eligible for sharing in that program. The reviewer also received that document, which she acknowledged receiving. There should be no surprises over what expenses are eligible for sharing and those that arent. And the monthly contributions for UHF sharing programs are still up to 40% less than a typical health plan monthly premium, which for thousands of UHF members across the U.S., is a cost and a savings well worth it.Review fromJen M
Date: 01/31/2024
5 starsJen M
Date: 01/31/2024
I always receive great customer service! For bad reviewers, I'd say do your homework...you'll find UHF to be very fair and a good product for self employed people looking for a health program to help with costs.Universal Health Fellowship, Inc.
Date: 02/09/2024
Thank you, ***, for your kind comments and review. UHF thinks the world of our customer service team and ********************** cost sharing programs. We're glad you do, too!Review fromTimothy G
Date: 01/19/2024
1 starTimothy G
Date: 01/19/2024
Total Scam and I will be referring to the DA.Paid money when I looked for healthcare following a lay off.When I went to MD I was told this is NOT paying for anything.Total fraudUniversal Health Fellowship, Inc.
Date: 01/24/2024
The reviewer was told about, given directional materials about, and given access to any of the *******+ physicians nationwide that are in-network with his *** health cost sharing program. If he had visited any of those in-network physicians and shown his in-network credentials on his membership card to them, he would have had his eligible medical costs shared and taken care of. And he also could have spoken to any *** member support team via the phone number on his card to see how he could best receive the medical attention he was seeking while being able to share the eligible cost for the visit. But he chose not to.Members of this sharing program are aware that visits to all non-network non-primary care physicians become the patients total responsibility. These points are all emphasized in the *** Sharing Program Guidelines which the reviewer acknowledges receiving. *** resents and refutes the reviewers claims of scam and fraud, and maintains its integrity and honesty as a trusted health cost sharing program to thousands of *** members throughout the U.S.Review fromMelissa D
Date: 12/26/2023
1 starMelissa D
Date: 12/26/2023
ZERO STARS!!! This company called and sold me a policy under false pretenses! I had ************** off my job of 7 years, I was shopping around for insurance when one of their agents contacted me. When I told the agent I was looking to get MNSure he preceded to tell me I didn't qualify for state insurances even though I had ZERO income at the time. He told me that the state would take my last years income taxes into consideration so I would not qualify for MNSure. I believed him because I believed I was talking to a trusted agent. He sold me a non-insurance plan instead and the company charged $613.04 for premiums I didn't even use and they refuse to return my initial premium of $344.02 because it was past 30 days from when I realized they had lied to me. The customer service was horrible. I will be reporting them to the Better Business Bureau.Universal Health Fellowship, Inc.
Date: 12/28/2023
The reviewer was given insurance advice from a non-*** source, and thus completely outside the control of the Universal Health Fellowship and its representatives. No *** member support representative would or could have suggested to the reviewer what her insurance coverage eligibility is within her state-sponsored healthcare marketplace. If the reviewer feels she has been misled, she needs to take the matter up with the agency that sold her the *** program (Integrity Health One). Despite the reviewers issue with her monthly *** member contribution amount, she was refunded in full by *** for the whole month of November 2023 on December 1.Review fromLori D
Date: 10/25/2023
1 starLori D
Date: 10/25/2023
I contacted Universal Health Share Multiplan PCHS PPO for additional information on what they offered for medical coverage. I got a lot of info from **** and told him my final decision would be made only after I researched their company and the coverage they provided. I was shocked to learn they are not an insurance company at all they simply place you in a pay your provider up front program which promises discounts. I expressly indicated on a taped recording as they indicated I wouldnt sign up for their services until I researched myself. Now I am getting 4 to 5 robo calls every day only to be rudely told by a ***** ( twice ) she couldnt remove me from the call list and then immediately hung up on me twice. I continue to get these annoying and harassing phone calls and same story from other unprofessional and rude agents! I would like a number to call and a website that I can contact to unsubscribe from these unwanted calls. Very misleading sales efforts and high pressure to sign up immediately! I think this is all very fraudulent. I will take this to *** Attorney General next. *** always had success with their help and wont hesitate to do so again!Universal Health Fellowship, Inc.
Date: 10/31/2023
To correct the reviewer, UHF does not and has never sold insurance. UHF offers health cost sharing programs to individuals and their families. All UHF program materials, its website, and its sales agents explicitly and repeatedly state that its sharing programs are not insurance. UHFs sharing programs are not, as the reviewer states, pay your provider upfront programs. The sharing programs let members who, when visiting one of over ******* in-network physicians, pay just a consultation fee in-office (a dollar amount that is similar to a co-pay $ total) in accordance with their specific programs guidelines.Neither Universal Health Fellowship nor its sales agents and departments employ robo calls in reaching out to prospective members. The 4-5 calls the reviewer says shes received every day did not come from UHF. UHF does not use, tolerate, or even know any unprofessional or rude sales agents. And we have no idea who the ***** is that the reviewer referenced in her review.We do agree with the reviewer that robo calls can be a nuisance. We dont care for them either, but UHF certainly does not use them in its customer service outreach.Review fromLauren B
Date: 09/07/2023
1 starLauren B
Date: 09/07/2023
**NOT HEALTH INSURANCE - SCAM***This is very concerning this exists. I was able to call them out and be fully refunded. But beware this is NOT HEALTH INSURANCEUniversal Health Fellowship, Inc.
Date: 09/15/2023
UHF does not and has never sold insurance. UHF offers health cost sharing programs to individuals and their families. All UHF program materials and its sales agents explicitly and repeatedly state that its sharing programs are not insurance. The reviewers e-sign statement, which she had signed, states, I understand that Im not buying insurance coverage. The reviewers description of scam is unfounded and incorrect. Call(ing) out UHF for not offering a service it consistently says it doesnt offer is ridiculous and misguided.
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