FreedInsure Customer Service & Carrier Directory
Need help with your health insurance? Whether you need a carrier phone number, help with a missed payment, a replacement ID card, or want to change your plan — FreedInsure members get dedicated support from a licensed advisor. Skip the hold queue. Call us directly at (844) 788-3733.
Get Help Now ↓Quick answer: To reach FreedInsure customer service, call (844) 788-3733, Monday–Friday 9 AM–7 PM EST or Saturday 10 AM–3 PM EST. A licensed advisor helps with ID cards, payments, claims and plan changes at no cost. To reach your insurer directly, call the member services number on your ID card or find it in the carrier directory below; for HealthCare.gov accounts, call (800) 318-2596.
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Contact FreedInsure Customer Service
FreedInsure members have a direct line to a licensed advisor — no automated phone trees, no hold queues, no repeating your story to five different people. One call handles everything.
📞 Call Us
(844) 788-3733
Monday–Friday: 9 AM – 7 PM EST
Saturday: 10 AM – 3 PM EST
Sunday: Closed
📧 Email Us
[email protected]
Response within 24 hours.
Include your name, DOB, and carrier for fastest service.
📋 Member Services Hub
Self-service resources for common tasks: ID cards, payments, plan documents, and more.
Go to Member Services →
📅 Book an Appointment
Schedule a specific time for your advisor to call you. No waiting.
Book Now →
Not yet a FreedInsure member? We help anyone with health insurance questions — free. Call us or check your eligibility to get started.
What We Help With
Your FreedInsure advisor handles these tasks for you so you don’t have to navigate carrier phone systems:
💳 Get Your Insurance ID Card
Lost or never received your card? We contact your carrier and have a digital ID card sent to your email or phone within hours. Most carriers also have a mobile app where you can access your card immediately. ID card help →
💰 Make or Fix a Payment
Missed a payment? Need to update your payment method? We help you get current with your carrier before your coverage lapses. Marketplace enrollees who use premium tax credits usually get a 3-month grace period; other plans’ grace periods may differ. Payment help →
👤 Add or Remove a Dependent
Had a baby? Got married? Need to remove an ex-spouse? A birth, adoption or marriage is a qualifying life event with a 60-day enrollment window. A divorce or legal separation qualifies only if you lose coverage because of it (HealthCare.gov). We process the change and ensure coverage is seamless.
🔄 Change or Cancel Your Plan
Want to switch carriers, upgrade your metal tier, or change your PCP? During Open Enrollment or with a qualifying life event, we compare new options and handle the entire switch. Need to cancel? We walk you through the process and help you find replacement coverage.
📋 Understand a Bill or EOB
Got a confusing bill or Explanation of Benefits? We review it with you, explain what you owe vs. what insurance covered, and help dispute incorrect charges. Never pay a medical bill without understanding it first.
🩸 File or Check a Claim
Need to submit a claim for out-of-network care? Want to check the status of a pending claim? We guide you through the process or contact the carrier on your behalf.
Health Insurance Carrier Phone Numbers
If you prefer to contact your carrier directly, here are the customer service numbers for every major health insurance carrier. Or call FreedInsure at (844) 788-3733 and we’ll handle it for you.
ACA / Marketplace Carriers
Ambetter: (877) 687-1169 — ambetter.com
Blue Cross Blue Shield: Number varies by state — check the back of your ID card or visit bcbs.com
UnitedHealthcare: (800) 328-5979 — uhc.com
Cigna: (800) 997-1654 — cigna.com
Aetna: (800) 872-3862 — aetna.com (Aetna CVS Health left the ACA individual market for 2026; this line is for other Aetna plans)
Oscar Health: (855) 672-2755 — hioscar.com
Molina Healthcare: (888) 665-4621 — molinahealthcare.com
Anthem: (800) 331-1476 — anthem.com
CareSource: (800) 488-0134 — caresource.com
Kaiser Permanente: (800) 464-4000 — kaiserpermanente.org
Wellpoint: (833) 231-4979 — wellpoint.com
Highmark: (866) 835-7060 — highmark.com
Medica: (800) 952-3455 — medica.com
Christus Health Plan: (844) 282-3025 — christushealthplan.com
PPO / Short-Term Carriers & Networks
First Health Network: (800) 226-5116 — firsthealthnetwork.com
Golden Rule (UHC): (800) 444-6222 — goldenrule.com
Pivot Health: (877) 913-3784 — pivothealth.com
Antidote Health: (855) 268-4368 — antidothealth.com
Imperial Health: (877) 886-7075
First Health is a provider network, not an insurance company, and it doesn’t pay claims. A plan that uses the First Health network sets its own benefits and pays claims through its own administrator. Before you get care, confirm your doctor or facility is in network using the directory and phone number on your plan ID card; for claims and billing, call the number on your ID card.
Healthcare.gov / Marketplace
Healthcare.gov: (800) 318-2596 — TTY: (855) 889-4325 — healthcare.gov
Available 24/7, except holidays. For enrollment, eligibility, tax forms (1095-A), and account issues.
Life Insurance Carriers
Mutual of Omaha: (800) 775-6000 — mutualofomaha.com
Transamerica: (800) 797-2643 — transamerica.com
Aflac: (800) 992-3522 — aflac.com
Ethos: (844) 438-4677 — ethoslife.com
Assurity: (800) 276-7619 — assurity.com
Americo: (800) 231-0801 — americo.com
CICA Life: (800) 528-1000
Dental & Vision Carriers
MetLife Dental: (800) 942-0854 — metlife.com
Ameritas: (800) 659-2223 — ameritas.com
Solstice: (877) 760-2247 — solsticebenefits.com
NCD: (800) 238-3884
Why Call FreedInsure Instead of Your Carrier
Carrier phone lines can mean long holds, especially close to Open Enrollment deadlines. When you call FreedInsure, you speak to a licensed advisor who already knows your plan, your carrier, and your situation. Here’s what we do differently:
We Call the Carrier FOR You
Your FreedInsure advisor contacts the carrier on your behalf using our agent-direct lines — which can be faster than the consumer lines. We get answers faster and relay them to you without the wait.
We Speak Insurance
Carrier customer service reps often use jargon, reference plan codes, and cite policy language that’s confusing for consumers. Your advisor translates everything into plain language and makes sure you understand your options before making any changes.
We Advocate for You
If a claim is denied, a bill is incorrect, or a coverage dispute arises, we advocate on your behalf. We know the appeals process, the regulatory requirements, and the carrier escalation paths. You’re not alone in navigating the system.
It’s Free
Everything described above is included in our service at no additional cost. Carriers compensate us for enrolling you — ongoing member support is part of that relationship. You never pay us anything for customer service assistance.
Emergency & Urgent Situations
🚨 Medical Emergency
Call 911. Go to the nearest emergency room; insurance billing is handled after treatment. ACA plans cover emergency services, including at out-of-network hospitals. Under the No Surprises Act, people with group or individual health coverage generally can’t be balance-billed for out-of-network emergency care, but those protections don’t apply to short-term plans (45 CFR 149.20). Short-term and other non-Marketplace plans set their own emergency benefits, so check your plan documents.
⚠️ Coverage Lapsed / Terminated
If your coverage was terminated due to non-payment, call us immediately at (844) 788-3733. If you’re within the grace period (usually 3 months for Marketplace plans with premium tax credits), we may be able to reinstate your coverage. If coverage is fully terminated, we help you enroll in a new plan — you may qualify for a Special Enrollment Period.
📦 Lost Coverage Due to Job Loss
Job loss triggers a 60-day Special Enrollment Period. Don’t default to COBRA: the plan can charge up to 102% of the full premium (26 CFR 54.4980B-8). Call us and we’ll price COBRA next to Marketplace plans and any premium tax credit you qualify for. Between jobs guide →
Top Carrier Customer Service Numbers
| Carrier | Phone Number | Best For |
|---|---|---|
| FreedInsure | (844) 788-3733 | All carriers, all issues, no hold time |
| Ambetter | (877) 687-1169 | ACA Marketplace plans |
| Blue Cross Blue Shield | See ID card | ACA + employer plans |
| UnitedHealthcare | (800) 328-5979 | ACA + employer plans |
| Cigna | (800) 997-1654 | ACA Marketplace plans |
| Aetna | (800) 872-3862 | Dental/vision & other Aetna plans (left the ACA individual market for 2026) |
| Oscar Health | (855) 672-2755 | ACA Marketplace |
| Molina Healthcare | (888) 665-4621 | ACA + Medicaid |
| Healthcare.gov | (800) 318-2596 | Marketplace account, 1095-A |
Who Should Read This
📞 Call FreedInsure
Skip the carrier hold queue. One call handles everything — payments, ID cards, claims, plan changes. (844) 788-3733
📋 Member Services Hub
Self-service portal for common tasks. Find your carrier portal, download forms, check payment status. Go to Hub →
📅 Book an Appointment
Schedule a callback at a time that works for you. No waiting on hold. Book now →
💰 Need New Coverage?
Looking for a new plan or switching carriers? 60-second subsidy check. Check eligibility →
Sources
- HealthCare.gov — Contact the Marketplace Call Center
- HealthCare.gov — Premium payments, grace periods & losing coverage
- HealthCare.gov — Special Enrollment Periods
- CMS — No Surprises Act protections
- eCFR — 45 CFR 149.20 (No Surprises Act rules don’t apply to short-term plans)
- eCFR — 26 CFR 54.4980B-8 (COBRA premium up to 102%)
- U.S. Department of Labor (EBSA) — COBRA Continuation Coverage, (866) 444-3272
- U.S. Department of Labor — An Employee’s Guide to Health Benefits Under COBRA (election notice names the plan’s COBRA administrator)
- CVS Health Q1 2025 release (SEC) — Aetna exits the individual exchange business for 2026
Frequently Asked Questions
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