ComplaintsforUnified Caring Association

• Initial Complaint

  08/07/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  UCA has been taking withdrawals from my checking since January and I have had coverage by another carrier since January 1, 2023. They have been taking $121.80 each month, for a total of $974.40. I contacted them and they said it's my fault, because it was a month to month billing and I never canceled. I didn't cancel, because I was under the understanding that it would automatically cancel at the end of the coverage year: 2022. They said they will refund my August payment, but will not refund any of the rest. They have given me no service at all this year, and have no right to keep money for doing nothing and should refund the full $974.40. Thank you!

  

  Business response

  08/16/2023

  Dear **************,
  
  Unified Caring Association (UCA) has received your complaint.  UCA takes every complaint very seriously and has carried out a complete investigation.
  
  We have reviewed your file and it is recorded that you signed up on Jun. 14th, 2022.  On this day you were sent an e-signature document that lists all the benefit information. We send this document so that our potential members are fully aware of the benefits. It is documented that you read and signed this document on Jun. 14th, 2022.
  
  However, as a reassurance, we do provide our members with a 30-day look period. If for any reason they are not satisfied, the policy can be cancelled, and a full refund is issued.
  
  It is documented that you logged into your online fulfillment on Sep. 20th, 2022, and accepted the pop-up that this is not a major medical plan. This plan is a month-to-month plan that can be canceled at any time.  The cancellation information is on the fulfillment site under the terms and conditions. It states, if after the first *********************************************************** writing, by fax, phone, or e-mail prior to your next monthly payment due date to prevent another automatic bill from occurring. If you cancel your monthly membership benefits will terminate at the end of the billing cycle for which you have paid.
  
  You called member services on Aug. 7th, 2023, to cancel the plan, the cancellation was processed, and the service rep refunded your last payment as a courtesy. We understand that you might not have needed/used the plan, but we were here to assist you if you did.
  
  We regret that you had a challenging experience and feel that you were provided with all the information that you needed to cancel and that no refund is due at this time.  If you have any questions or would like to speak with us, please contact ******************************* at **********************. 
  
  
  Sincerely,

  Unified Caring Association

  Customer response

  08/17/2023

  I am rejecting this response because: Why do you feel it is acceptable to keep money for services not rendered? 
  

• Initial Complaint

  08/01/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I dont understand this charge every month but still need to find health insurance can I get a refund of the 104 that randomly hit my account. If this is an account of some kind I want to cancel it because I did not sign up for this or add one that seems to be a scam.

  

  Business response

  08/15/2023

  Dear **************,                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 

  Unified Caring Association (UCA) has received your complaint.  UCA takes every complaint very seriously.
  
  We have reviewed your file and it is recorded that you signed up on Sept. 06, 2022.  On this day you were sent an e-signature document that lists all the benefit information.We send this document so that our potential members are fully aware of the benefits. It is documented that you read and signed this document on Sept.06,2022.

  However, as a reassurance, we do provide our members with a 30-day look period. If for any reason they are not satisfied, the policy can be cancelled, and a full refund is issued.

  We have tried to reach out several times to discuss your matter but have not been able to connect. Your plan has been canceled and we did refund back $104.85 as a courtesy do to the fact that you were just charged.

  If you have any questions or would like to speak with us,please contact ******************************* at **********************.  Again, please accept our sincere apologies.

  Sincerely,

  Unified Caring Association

• Initial Complaint

  07/19/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I went through healthcare.gov to apply for insurance. They told me I was approved for bluecross blue shield and it was going to cost me ****** a month. They made me believe it was going towards my bluecross. I was recently approved for ******** so I called bcbs to cancel only to find out that my insurance was only **** a month. They told me I needed to cancel through healthcare.gov and I found out through them I never even had a healthcare.gov account! I have been charged this fee for the last 4 months and I am filing a dispute because they were very misleading and I didnt need to pay a company almost 200 a month for a service I didnt even need. This company needs to do a better job of explaining their services considering Ive been paying 172 a month at the doctor ON TOP of ****** a month to a company I was lead to believe was going to bcbs. I realized today I wasnt the only person that is having this same issue!

  

  Business response

  08/01/2023

  Dear ****************,

  
  Unified Caring Association (UCA) has received your complaint.  We thank you for taking the time to speak with us and for giving us feedback on what transpired. UCA takes every complaint very seriously, and we are doing a full investigation.

  
  We have reviewed your file and it is recorded that you signed up on March 8th, 2023. On this day you were sent an e-signature document that lists all the benefit information. We send this document so that our potential members are fully aware of the benefits. It is documented that you signed and read this document on March 8th, 2023.

  
  However, as a reassurance, we do provide our members with a 30-day look period. If for any reason they are not satisfied, the policy can be cancelled, and a full refund is issued.

  
  During our conversation you provided us with details of what transpired and as explained we will use this information to improve the enrollment process.  I am happy that we came to an amicable agreement and feel that you were happy by the end of our call.

  
  We regret that you had a challenging experience and, as mentioned, we will look into this immediately. Naturally, we feel upset when we hear that an agent did not give the correct information. If you have any questions or would like to speak with us, please contact ******************************* at **********************.  Again, please accept our sincere apologies.

  
  Sincerely,

  Unified Caring Association

• Initial Complaint

  07/17/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I was told may 15th they would cancel my insurance after I found out it wasnt real insurance and they said they would give me a refund for the months paid but they end up charging my card. I finally was able to cancel but it still was trying to take my money with no explanation given.

  

  Business response

  07/19/2023

  Dear ******************,

  
  Unified Caring Association (UCA) has received your complaint.  We thank you for giving us the feedback on what transpired. UCA takes every complaint very seriously, and we are doing a full investigation.

  We have reviewed your file and it is recorded that you signed up on May 12th, 2023. On this day you were sent an e-signature document that lists all the benefit information. We send this document so that our potential members are fully aware of the benefits. It is documented that you signed and read this document on May 12th, 2023.

  
  However, as a reassurance, we do provide our members with a 30-day look period. If for any reason they are not satisfied, the policy can be cancelled, and a full refund is issued.

  
  According to our records you called into the customer service department on May 25th, 2023.  On this call you requested to know how much your monthly billing was. The representative went through your benefits with you and explained how much the first payment was and how much each payment after that would be.  She explained that your next payment was going to be automatically withdrawn from your account on June *********.   You stated that was all the information you wanted to know, thanked her, and ended the call.

  
  On June 15th, 2023, you called into the customer service department, wanting to make sure that you were being charged on this day. You asked how you were being charged and the amount. The customer service rep.  explained the amount and that it was being charged that day. You said that you wanted to make sure that your plan was still active because you had not seen that the charges were withdrawn from your account.  The rep assured you that the funds would be taken by the close of business that day.  You were happy and ended the call.,

  
  Your plan is currently in a pending state due to a billing issue.  If this issue is not resolved, your plan will become inactive as of Aug. 15th, 2023, and you will have a paid through date of July 14th, 2023.
  Your complaint states that you were told that your plan would be canceled on May 15th, 2023 and that you would get a refund for the months that were paid.  Your plan with us became effective on May 15th. 2023. I am not sure who you spoke with or if maybe you have us confused with another company. We would very much like to help you with the issue and will be here if you need to reach out to us. We regret that you are having a challenging experience and if you would like to speak to us, please contact ******************************* at **********************.
  
  Sincerely,

  Unified Caring Association

• Initial Complaint

  07/03/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I contacted Standard **************** *************) on 2/21/23 because I had recently lost my job and needed health insurance. I was connected with a rep named ********************************* (license nbr: ******* (GA) who went over the least expensive plan at $68.03/mo which would include no charge for prescriptions at the pharmacy of my choice, $10 copay for an ENT Specialist and the option to add dental/vision for $44.00 at a later date since I could not afford it at that time. The plan started on March 1, 2023. The plan was set up for autopay and was taken out of my account at the start of each month. As I have fallen on hard times and can no longer afford the insurance I called to cancel the plan with Friday Healthcare on 6/19/23 who told me I also needed to cancel through Standard ****************, the brokerage company, and I did. I was told by both companies that my plan was canceled. Friday Healthcare canceled the plan but Standard **************** did not. When I called Friday Healthcare today to verify my plan was canceled and to ask about the July autopay they said their plan was only $1.13 and they didnt know why I would be paying an additional $66.90. I then called Standard **************** and spoke to ******** (manager) and asked what the additional amount was for and she told me it was for SUDDEN DEATH INSURANCE. I NEVER asked for sudden death insurance and she told me it was an add on insurance. THE REP ADDED ON AN OPTION I NEVER ASKED FOR. ******** said they are refunding the 7/1/23 auto draft as a courtesy but she wouldnt refund anything else. I want my four months of $66.90 refunded as I never asked for SUDDEN DEATH INSURANCE and I definitely could not afford it because I was unemployed. If possible Id like the call pulled to hear what the rep offered me on 2/21/23. I have paid the $1.13 every month through the Friday Healthcare app and used my insurance on my prescriptions so I am not requesting a refund from them.

  

  Business response

  07/18/2023

  Dear ****************
  
  Unified Caring Association (UCA) has received your complaint.  We thank you for giving us the feedback on what transpired. UCA takes every complaint very seriously, and we are doing a full investigation.

  
  We have reviewed your file and it is recorded that you signed up on 02/21/2023.  On this day you were sent an e-signature document that lists all the benefit information. We send this document so that our potential members are fully aware of the benefits. It is documented that you read and signed this document on 02/21/2023.

  
  However, as a reassurance, we do provide our members with a 30-day look period. If for any reason they are not satisfied, the policy can be cancelled, and a full refund is issued.

  
  Records show that you called into the customer service department on 07/03/2023 to cancel the plan. A supervisor spoke to you on this day and explained to you that your refund was issued. You thanked the supervisor for her help and the call ended.

  
  UCA did reach out to you and leave a few messages to get some additional information, but we have not received a call back. We regret that you had a challenging experience and, as mentioned, we will look into this immediately.  If you have any questions or would like to speak with us, please contact ******************************* at **********************.  Again, please accept our sincere apologies.
  
  Sincerely,

  Unified Caring Association

  Customer response

  07/18/2023

  I am rejecting this response because: the information provided is incorrect. I called in June to cancel the plan not July. I called in July because they were still deducting payments out of my account when I had already canceled the plan.
  

  But I am ready to close the BBB complaint and be done with this fraudulent company. I will not use them ever again and I will warn others of their poor business practices.

  Please close out my BBB claim. Thank you. 

  
  

• Initial Complaint

  07/02/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I noticed an unauthorized debit on my bank statement in the amount of $121.80 labeled only as UCA add on. I have never had any dealings with this company, or entered into any financial agreement or contract with them at any time.

  

  Business response

  07/05/2023

  Dear ********************,

  
  Unified Caring Association (UCA) has received your complaint.  We thank you for giving us the feedback on what transpired. UCA takes every complaint very seriously, and we are doing a full investigation.

  
  We have reviewed ********************** file, and it is recorded that she signed up on March 09, 2023.  On this day she was sent an e-signature document that lists all the benefit information. We send this document so that our potential members are fully aware of the benefits. It is documented that she read and signed this document on March 09, 2023.  This document clearly states - I confirm that I am the cardholder of the credit card or account that I provided and authorize UCA to charge the first month's membership dues on the date my application is submitted, and I agree to be automatically billed on the calendar day of my effective date each month for the future monthly membership dues.

  
  However, as a reassurance, we do provide our members with a 30-day look period. If for any reason they are not satisfied, the policy can be cancelled, and a full refund is issued.

  
  The file shows that ******************** called into the customer service department on July 3, 2023, to cancel the plan.  The representative processed her cancellation,provided her with a cancellation number and sent an email confirmation. As a courtesy the representative refunded her last payment even though she was well past her 30-day refund period.

  
  We regret that she had a challenging experience and, as mentioned, we will look into this immediately. Naturally, we feel upset when we hear that an agent did not give the correct information. If you have any questions or would like to speak with us, please contact ******************************* at **********************.  Again, please accept our sincere apologies.

  
  Sincerely,

  Unified Caring Association

• Initial Complaint

  06/25/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  i dont know what a uca add on is and they keep taking out my account every month and i cant get any answers from my credit card people.

  

  Business response

  07/03/2023

  Dear ************************,

  
  Unified Caring Association (UCA) has received your complaint.  We thank you for giving us the feedback on what transpired. UCA takes every complaint very seriously, and we are doing a full investigation.

  
  We have reviewed your file and it is recorded that you signed up on 01/03/2023.  On this day you were sent an e-signature document that lists all the benefit information. We send this document so that our potential members are fully aware of the benefits. It is documented that you read and signed this document on 01/03/2023.

  
  However, as a reassurance, we do provide our members with a 30-day look period. If for any reason they are not satisfied, the policy can be cancelled, and a full refund is issued.

  
  In your complaint you requested that we give you a call and explain the plan.  During our conversation you asked that the plan be cancelled and that you no longer be charged. I cancelled your plan, and you will no longer be charged, I provided you with a cancellation number and sent you a cancellation email.

  
  We regret that you had a challenging experience and feel that we have provided you with excellent customer service and that we have rectified your situation.  If you have any questions or would like to speak with us, please contact ******************************* at **********************.  Again, please accept our sincere apologies.

  
  Sincerely,

  Unified Caring Association

• Initial Complaint

  05/20/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I was charged $104 for what was explained as a premium for a health insurance policy but later was found to be a UCA add on. This was not mentioned or explained in the conversation about said policy. Only that policy would activate 4/01/2023. The policy was canceled because premium was unpaid.

  

  Business response

  06/05/2023

  Dear ******************,
  
  Unified Caring Association (UCA) has received your complaint.  We thank you for giving us the feedback on what transpired. UCA takes every complaint very seriously, and we are doing a full investigation.

  
  We have reviewed your file and it is recorded that you signed up on 03/28/2023.  On this day you were sent an e-signature document that lists all the benefit information. We send this document so that our potential members are fully aware of the benefits. It is documented that you read and signed this document on 03/28/2023.

  
  However, as a reassurance, we do provide our members with a 30-day look period. If for any reason they are not satisfied, the policy can be cancelled, and a full refund is issued.

  
  We see that you called into the customer service department on the 31st day and cancelled your plan. At this time the cancellation was processed, and the customer service rep stated that there was no refund due because it was after the 30 days refund period. The cancellation was processed, and no further monies were taken from your account.   

  
  Since you were only 1 day over the refund period we have processed your one month refund as a courtesy.

  
  We regret that you had a challenging experience. If you have any questions or would like to speak with us, please contact ******************************* at **********************.  Again, please accept our sincere apologies.
  
  Sincerely,
  Unified Caring Association

• Initial Complaint

  05/15/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I mistakenly paid $181.75 to Unified Caring Association on 3/10/2023, as I had entered the Healthcare.gov marketplace and was not familiar with how the process worked - I thought UCA was health insurance based on our conversation and me applying to ************************* UCA is not that.I didnt know anything was wrong, and was charged again May 10, 2023. Still thinking this was my health insurance, I presented the Unified Caring Association card to a doctor and was told this was not health insurance.I immediately called UCA to cancel and refund both $181.75 charges since I thought I was paying for health insurance, and also explained that my income is unemployment benefits (the reason I entered the healthcare.gov marketplace) so this is is substantial amount of money for me, not to mention a critical service I thought I was paying for. UCA agreed to refund the May charge but refused to refund the charge from March 10, 2023. I am seeking a full refund for a misleading, dishonest, expensive, and extremely negative experience with Unified Caring Association.

  

  Business response

  05/25/2023

  Dear ****************,

  
  Unified Caring Association (UCA) has received your complaint and we thank you for taking the time to speak with us. Your feedback helps us to improve our process going forward. UCA takes every complaint very seriously,and we are doing a full investigation.

  
  As explained during our conversation, UCA provides our members with e-signatures, welcome emails, welcome letters, an online portal, a 30-day look period and much more. This is so our members know exactly what was purchased and all the benefits that are included in the plan.

  
  Naturally, we want all our members to be happy and satisfied with the plan. We regret that you had a challenging experience, and we feel that we have come to an amicable solution and that the situation was rectified.If you have any questions or would like to speak with us, please contact ******************************* at **********************. Again, please accept our sincere apologies.

  
  Sincerely,
  Unified Caring association.

• Initial Complaint

  05/15/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am seeking a fair refund in the amount of $1,272.25. I was charged $181.75 10/13/22, 11/19/22, 12/22/22, 1/21/23, 2/16/23, 3/16/23 and 4/17/23. I deserve a full refund because I was deceived into purchasing this plan thinking it was an actual medical insurance plan. The sales representative said the price I was paying would cover my medical premiums and included dental and vision. I didn't need dental and vision as I get that coverage through my employer and only wanted medical. I have been paying what I thought was medical insurance thinking it was costing me $181.75/month, when in reality it was costing me $0.They deceived me into thinking this plan was for my actual medical insurance plan when it is not.They are extremely deceptive in their practice and are taking advantage of low income individuals who are desperate for affordable healthcare. I didn't cancel the first 30 days of enrollment because I believed this plan was my healthcare coverage. I spoke to them today; and as of today, my account is cancelled. I asked for a refund of the money have I paid and was told they couldn't. I know there is something that can be done before anyone else is taken advantage of. I wouldn't be surprised if the majority of people paying into this don't even know what they're buying. Like me and like I said earlier. I thought I was paying for my insurance premium. Luckily, looking for a primary Physician and trying to change my insurance today, lead me to this finding or I'd probably still be paying for it. I had to call my bank to stop anymore withdraws; they in turn stopped my debit card so now I have to get a new card and update all my payment information to my creditors which is so time consuming.

  

  Business response

  06/01/2023

  Dear ****************,

  
  Unified Caring Association (UCA) has received your complaint.  We thank you for taking the time to talk to us and for giving us your feedback on what transpired. UCA takes every complaint very seriously, and we are doing a full investigation.

  
  We have reviewed your file and it is recorded that you signed up on 10/12/2022.  On this day you were sent an e-signature document that lists all the benefit information. We send this document so that our potential members are fully aware of the benefits. It is documented that you read and signed this document on 10/12/2022.In addition, UCA emailed you a copy of this signed document on 10/13/2022.
  

  However, as a reassurance, we do provide our members with a 30-day look period. If for any reason they are not satisfied, the policy can be cancelled, and a full refund is issued.

  
  UCA provides all members with access to an online portal that is sent to them the moment they sign up. This portal provides members with all benefit information.  According to your file you signed into your online portal on several dates. The first time on 10/12/2022. On this date, you signed in and accepted the pop-up disclosure that clearly states that this is not a major medical plan and that it does not meet the minimum standards requirements by the *************** Act.  It is also documented that you signed into your portal on 10/17/2022, 11/19/2022, and 01/20/2023.

   

  During our conversation you expressed your concerns and explained how the misunderstanding may have happened. UCA takes all this information and uses it to help us improve the process. We feel that we have come to an amicable solution, and we hope that you are satisfied with the outcome.

  
  We regret that you had a challenging experience and, as mentioned, we are looking into this immediately. Naturally, we feel upset when we hear that a member is unhappy. If you have any questions or would like to speak with us, please contact ******************************* at **********************.  Again, please accept our sincere apologies.

  
  Sincerely,

  Unified Caring Association

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩