Freedom Life… help?

So I’ve been on a FreedomLife plan since April this year. Basically went through a job transition where I am traveling for work. I needed something that would allow me to get my check-ups done and renew my birth control (I’m a healthy 25 y/o who’s parents are no help & kicked me off their insurance as soon as I graduated college) I came across Freedom Life after hours of agents phone calls, and being scammed even. I’ve read multiple posts about others experiences AND I read through all of my brochures and benefits and I was very confident in my choice. Now, after reading up on it I am still so so confused. Worried that if I go into the clinic for an appointment only to find out my insurance doesn’t cover it whatsoever.. (scenario)

So just asking for help with explaining my options from real people and not an agent who is only working for themselves.

I have ‘HEALTH ACCESS PLUS FIXED INDEMNITY’ and a ‘MEDGUARD II’ and ‘ACCIDENT PROTECTOR’ for my plans. Paying around $300/mo for a premium.