LifeX Research CorporationOmdömen 

I have worked in my father's doctor's office for years and know from experience that people who are told they do not take LifeX Research Group Benefits are not accepted. LIFEX RESEARCH CORP IS NOT AN INSURANCE COMPANY AND DOES NOT SELL INSURANCE. It is a data company that collects lifestyle information through questionnaires and offers group health benefits to its W-2 employees. Pays $40.00 per hour for a quarterly survey and issues a W-2, giving them access to the LifeX Group Benefits, just like Home Depot offers insurance to its employees. The Insurance is Cigna - PHCS. It clearly indicates that on the back of your card. When speaking to the front desk, you MUST indicate that your National PPO Network is CIGNA-PHCS insurance, or they will tell you that you have no insurance.

I have had the policy 5 months. My claims are paid and my premiums are 35% lower than inferior ACA crappy HMO plans. A ppo is much preferred. I had a broken clavicle from last year. My Ortho Doc has been paid. My PT sessions are paid. My primary DR has been paid.
The network changed 3 times tho!!!!

Started the year in Cigna. Then went to Aetna. (briefly) Now PHCS. That was weird and unsettling, but so far has not effected me. All my docs in network. Claims paid. I plan to stay until Medicare too. Every health plan has litigation. This one no different.

I am a Health Insurance Agent and have a lot of my clients with LifeX and I call my clients every 6 months to see how their plans are going and if they are still happy with them. 99% of my clients say they are very happy with LifeX, that they are paying their claims on time, and many have told me, "We definitely want to stay on this plan and are very happy with it" and they also want to stay on until they turn 65 and go on Medicare. That's the "Proof in the pudding" for me. My motto is, "If my clients are happy, I'm happy".

If I could give negative stars to this company I would. To start KMG services who managed this insurance policy is absolutely criminal. They will take money out of your account before payment is due without warning. Life X and KMG are both very unresponsive. If you call you will only be met with dead lines or endless prompts leading to nowhere. Both companies have been put on the potential scam list in Tennessee due to negligent handling. Just google Life X research company in Tennessee. I will tell everyone Buyer Beware.

Paid LifeX and Benefits Health Partner over $3000 in premiums, only to have them repeatedly tell doctors we dont have coverage. Customer service is not helpful, they just fake empathy and tell you they'll email a backoffice - that back office next follows up.

No claims for premiums paid to LifeX Research partner company Benefits Health Partner. Over a 3 month period and almost $4,000 in premiums paid almost $2000 in invoices had not been paid despite claims that all claims are paid within 30 days.

Seems like a good option at the time until they considered anything done in a dermatology office a surgery. Only allowed 3 “surgeries” a year so when it came to one I really needed it was considered number 4. Got a whopping bill of 7300.00 because they wouldn’t cover anything. I have paid way too much for this insurance and can’t wait to be done with it!

I signed up for Insurance after early retirement. heathy, upper 50's, no health issues of any kind. This company is awful to navigate or get help. you have to answer questions monthly , but they put you in a box.. any contact sports, back issues, sprains... but if you don't check a box it will not let you move forward... and I am sure since they use your answers for insurance it raises your premiums. Have only had for 1 month but I think I may go back to no Insurance like I have had since Obama Care forced my personal affordable insurance out.