A 62324 payer id shows up on claims and insurance cards for Freedom Life Insurance Company of America, a carrier that writes individual and association health plans under the US Health Group (USHG) name. We see this card come across the front desk a few times a week, usually from a self-employed patient or someone on a short-term or association plan rather than a group employer plan.
Freedom Life Insurance Company of America is not UnitedHealthcare, even though USHG and UHC look similar at a glance and both show up on cards with blue and white branding. Most clearinghouses list payer id 62324 as accepting professional (CMS-1500) claims, with no enrollment required before you submit. Electronic eligibility checks are generally available too, which means a front desk can confirm coverage in seconds instead of calling the number on the back of the card. Before you bill, match the payer name printed on the card (Freedom Life Insurance Company of America or US Health Group) against the ID on the card, because a similar plan under a different administrator can carry a different payer ID entirely, such as 60054. Getting the match right the first time saves a rejected claim and a second phone call to the payer.
What Is the 62324 Payer ID?
A payer ID is a short code that clearinghouses and practice management systems use to route an electronic claim or an eligibility check to the right insurance company. For Freedom Life Insurance Company of America, that code is 62324. Clearinghouse listings we checked show this payer accepting electronic professional claims (the CMS-1500 form), with no separate enrollment step required for most practices.
If your front desk uses a clearinghouse payer list, search for "Freedom Life" or "US Health Group" and confirm the ID shown matches 62324 before you key it into a claim. Payer lists get updated and re-sorted over time, and a stale saved ID in your practice management system is one of the more common reasons a claim bounces back with a "payer not found" or "policy number not on file" rejection.
Is Freedom Life Insurance Part of UnitedHealthcare?
No. Freedom Life Insurance Company of America operates under the US Health Group (USHG) brand, a separate company from UnitedHealthcare (UHC). The confusion is understandable: both names start with "U" and use similar color schemes on member cards, and patients sometimes tell the front desk they have "United" coverage when the card actually reads US Health Group.
The fix is simple. Read the payer name printed on the card, not just the color scheme, and check it against the payer ID. If the card says Freedom Life Insurance Company of America or US Health Group and lists payer id 62324, treat it as its own payer, separate from UnitedHealthcare's standard commercial or Medicare Advantage plans.
How to Verify Freedom Life Coverage Before the Visit
The front desk steps are the same ones you would use for any payer once you have the right ID loaded. Pull the patient's card, confirm the name matches the chart, enter the member ID and payer ID 62324 into your eligibility tool, and run the check before the appointment starts. With Insurance Verification, you sign in and check any patient in one click, in under a second, rather than placing a hold call to the payer.
On its own, Insurance Verification is a subscription: you sign in and run each check yourself, one click at a time, and plans start from $49 a month per location, priced by how many checks your office runs, plus $2.50 or less per check we find. On the Full System, insurance checks are part of one monthly plan with the calls and texts, and Amy can also check a caller's coverage live on the call.
The ADA Health Policy Institute's 2026 survey found that 43.3% of dentists already use AI for at least one task, and insurance verification is the second most common planned use, with 32.6% planning to adopt it compared with 13.6% currently using it. That gap between planned and current use is exactly where a lot of practices sit right now: they know the hold-call model is slow, and they have not picked a replacement yet.
What If You See a Different Payer ID, Like 60054?
Patients sometimes hand over a card with a similar-looking payer ID that is not 62324. A short-term plan, an association health plan, or a dental-only rider can carry its own number even when the parent company name looks familiar. Payer id 60054 is a different code tied to a different payer, and it should never be swapped in for 62324 just because the card looks similar or the patient says "it's the same insurance as last time."
This mix-up is common enough across the industry that it shows up with other payers too. We've written up similar cases where two IDs get confused for the same carrier, including Delta Dental of Missouri's payer ID, which 90 Degree Benefits payer ID to use, and the Aetna Senior Supplemental payer ID question between AESSI and 62118. The lesson in all of them is the same: read the card, confirm the ID against your clearinghouse list, and don't assume a familiar name means a familiar number.
How to Look Up Any Payer ID
When a card shows a payer ID you don't recognize, start with your clearinghouse's payer search tool and type in the company name printed on the card. Most clearinghouses keep a searchable list that shows the ID, the claim types accepted, and whether enrollment is required. If nothing comes up, check the back of the card for a claims address or a provider services number, and call that number directly rather than guessing at a similar-sounding payer.
You can also search by payer name across the payers we verify in real time through our payer directory, which is useful for confirming whether a carrier supports electronic eligibility checks before you build a workflow around it. Keeping a short, current list of the payer IDs your office bills most often, saved in your practice management system, cuts down on this kind of lookup during a busy morning.
If your front desk is still calling payers one at a time to confirm coverage, it's worth comparing that against a one-click process. You can see current plans and book a short call to review how verification would run at your office.
FAQ
What payer ID is 62324?
Payer ID 62324 belongs to Freedom Life Insurance Company of America, sold under the US Health Group (USHG) brand. It is used for electronic professional (CMS-1500) claims and, with most clearinghouses, electronic eligibility checks.
Is Freedom Life UnitedHealthcare?
No. Freedom Life Insurance Company of America operates under US Health Group (USHG), a separate company from UnitedHealthcare (UHC). The two names look similar on a card, but they are different payers with different claims processes.
What payer ID is 60054?
Payer ID 60054 belongs to a different payer than 62324. If a patient's card shows 60054, verify the payer name printed on the card and check it against your clearinghouse's payer list rather than assuming it is the same company as Freedom Life.
How to look up payer ID?
Search your clearinghouse's payer directory by company name to find the matching ID, claim types accepted, and enrollment requirements. If the payer isn't listed, check the back of the insurance card for a claims address or provider services number and call directly to confirm.
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