"Purchased lifeshield ins when my obamacare premium skyrocketed, we made too much for a subsidy which makes obamacare unaffordable. Was preyed upon by iwebquotes, lifeshield/IBA/Healthcare innovations/IBA. Every aspect of the policy was outsourced, they only paid when I got the insurance commissioner involved. Christian cost sharing was awesome, we had that as excess and Thank God because when my husband had a kidney stone and needed three procedures only CHM came through for us and was straight up with us. Lifeshield paid something eventually but it was a real struggle. Don't believe a blessed word that comes out of the iwebquotes.com agents mouth. If its not in the policy, its not covered and the agent will argue your fine , its covered, don't beleive it they will hide when you know what hits the fan. I don't know why the authorities allow these agents to lie to customers on a recorded line but the insurance commissioners need to step up their game cause people looking for affordable insurance are ripe for explotation. "