ComplaintsforUnified Caring Association

• Initial Complaint

  04/08/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  My husband and I were trying through Healthcare Marketplace, to rectify an error which resulted in losing our insurance coverage. We were contacted by an "agent" for Health Shield who talked to both of us on speaker phone. We were told we could get PPO coverage for ourselves and daughter (and keep our current Dr's) who is in college. We were told preexisting conditions would not be covered ( such as pregnancy, inpatient hospitalization for mental health wouldnt be covered, etc) we've been waiting for cards as both my daughter and myself are on medications we need and need to get filled with insurance card. When going over card info with pharmacy, to our surprise we realized WE STILL DONT HAVE HEALTH INSURANCE COVERAGE AFTER FORKING OUT OVER $400 for premium and "membership fee". To say I'm ticked would be putting it mildly!! We want our money back ASAP, so we can get real insurance we NEED!! I feel like an idiot being SCAMMED over health insurance but the "agent" knew all the "right words" to make it sound legit!

  

  Business response

  04/13/2022

  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 March 28, 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 signed and read this document on March 28,2022.
  
  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 see that you cancelled your plan and that you were refunded in full.
  
  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

  03/31/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I filled out a form online, being recently laid off, I needed **************. UCA contacted me and we talked on the phone. We talked over the medications that I needed covered and my doctors etc. The man that I spoke to asked all the right questions to make me feel as if he was legit. I paid the premium and was told that my insurance card would arrive in **** business day. I did finally get a card in the mail but it clearly states that this is NOT insurance. I called back to cancel and was given the run around and told that an agent would contact me. No one ever did. I have been scammed out of $400, this needs to be stopped! I need to be refunded and have the fake insurance plan cancelled.

  

  Business response

  04/07/2022

  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 March 11, 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 signed and read this document on March 11,2022.
  
  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 see that your plan is still active and show that there were no calls made to our customer service department. We will cancel your plan and provide a full refund as you are still within your 30 days. 
  
  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

  03/14/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I cancelled on 03-10-2022 a health plan by ********************************************* requesting a full refund and received a confirmation via e-mail (see attachment). However, now I am seeing that rather than giving a refund of my first payment I was charged an additional month rate. This is unbelievable I want a refund of the two charges made to my debit card!

  

  Business response

  03/15/2022

  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.

  
  We have done a full investigation and reviewed your file. UCA did receive your cancellation letter on Mar. 11, 2022. You were within your first 30-days and were due a refund of your first monthly dues less the enrollment fee.  During our investigation we see that your cancellation was being processed and unfortunately due to human error it was not completed.  Due to the cancellation not being completed you were then charged your next months payment.

  
  We are so sorry that this has happened to you and take full responsibility for our error. We have left a few messages at the number that was provided to us so that we could apologized in person and explain what happen.   We have refunded you in full for both months and have also refunded the non-refundable enrollment fee to show how sorry we are to have inconvenienced you.  Please accept our apology.

  
  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

  01/14/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I was on Kinect website to get health insurance coverage for myself. Someone called while waiting for my plans to appear online. They had all my information that I had submitted to Kinect.gov and said they can help me with plan options. ******, who was my agent said Multiplan PPO was available with no deductible. I could keep my doctor. I agreed on that policy but after signing, I was sent the plan. There is no information about doctors, hospitals in my area. I believe it is a scam and want out immediately. It is billed under Convergent Health.It is not health insurance.

  Customer response

  01/20/2022

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.
  

  I have received a full refund this morning. Thank you for your help.

  *******************************
  

  

  Business response

  01/20/2022

  **********************,

  
  Unified Caring Association (***) has reviewed your complaint and would like to thank you for the opportunity to respond.  Our membership plans contain Insurance and non-insurance benefits. These membership plans are only sold by independent licensed agents. We see that you signed up on 01/13/2022 and was scheduled to become effective on 02/01/2022. 

  
  Prior to signing up for the *** membership plan, an E-signature verification was sent to you with all the benefit information.  *** always wants our members to know exactly what they are purchasing.   We see that you signed this document on 01/13/2022

  
  *** also provides our members with a 30-day money back policy. If you are not completely satisfied with the plan you may cancel it and receive a full refund if the plan has not been used. As per your request we have canceled your plan and you have been refunded in full as you are still within those 30-days.   You will be able to see your refund within 3-5 business days.

  
  We are sorry that the *** plan did not fit your needs and we wish you the best of luck in the future. If you need additional assistance or would like to discuss further, please feel free to contact ****** at *********************.
  
  Sincerely,

  
  Unified Caring Association

• Initial Complaint

  12/13/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I *************************, was searching for Medical, Dental and **************** on November 16, 2021. I noticed the number ************ to further ask about the company (United Health Solutions/UCA) coverage, I spoke with ***********************. I told him what I was looking for medical/ health coverage that will allow me to continue seeing my primary physician. I told him I was in diabetic and was looking for insurance to cover my medication. We spoke about the co-payment for routine office visits and out of pocket deductible. *****, replied my out of pocket deductible will be very low. I asked if the medical insurance will cover my dental and vision visits, too. ************** replied "Yes". I asked for the benefit package but he replied a secured payment must be completed, prior too. He replied there will be a one-time enrollment fee plus first time monthly medical insurance premium. I wasn't thinking anything suspicious, at that time. I went ahead and provided my bank card information. I paid a total of $289 ($189.95 fee + $189.95 monthly fee). Then the electronic benefit form and online signature authorization statement was received. I didn't review it immediately in entirety. 2 weeks went by and I still hadn't received my benefit cards. I went and reviewed the original email, and this when I noticed the coverage wasn't providing any of the products/services ************* and I covered. I tried contacting him several times but received the runaround. I even tried looking him up by ****** to locate an email address or another contact number, no success. After searching further I noticed the many issues and scams. I'm very upset. I'm a pre senior 59 years old with an underline health issue. I want full refund $289. This company needs to research the associates they're contracting with, as a 3rd party operating under *********** Solution (UCA). They are miss leading people to collect money. The disclosures and documents are not presented to the customers, until the money has been secured.

  

  Business response

  12/28/2021

  ****************,

  
  Unified Caring Association (UCA) has received your complaint and want to 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 see that you signed up on 11/15/2021.  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. We see that you signed this document, and as you stated in your complaint, you did not review it or your benefits for two weeks. 

  
  However, 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 you canceled your plan on 12/13/2021 and were provided a full refund at that time.

  
  We regret what occurred with the agent.  We are looking into it and naturally feel upset when an agent does not give the correct information.  If you have any questions or would like to speak with us, please contact ******************************* at **********************.  Again, please accept our apologies.
  
  
  Sincerely,

  Unified Caring Association

• Initial Complaint

  11/03/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I found Colonial Health on line on November 2, 2021 in search of a health ****************** I called the number listed and was connected to *************************. ****** explained and represented this company as a major medical provider. He stated that this was a multi plan PPO/Health Shield provider where I did not need approval to get insurance. He stated that the coverage was for any Dr. visit/lab/Rx/ER visit/Surgery and hospitalization. That the insurance would cover 70% of the medical **** with a $50.00 cash credit per visit and that I would receive a $333.00 tax credit. ****** gave me his contact information that I could call back at any time at ************. I was then transferred to ***** to take my credit card information to make an initial payment. I was charged $350.00 as an initial payment. ***** stated that he was going to email me my new policy when we hung up. I received my policy and insurance cards. Plainly stated in bold writing that this was not an insurance policy and was not insurance cards. When I called back the number was not active and no one answered my call. This is not an insurance company and the way they presented the entire time was that it was in fact a major medical provider. This is not a legitimate insurance company but a membership to a medical savings company. I have experienced the same type of deceiving customer care of other complaints I have read.

  

  Business response

  11/04/2021

  ************,

  
  Unified Caring Association (UCA) has reviewed your complaint and would like to thank you for the opportunity to respond.

  
  UCA does not take this matter lightly and appreciate you describing how the plan was sold to you. Plans do have Insurance and noninsurance benefits and are sold by independent licensed agents. We will investigate these accusations and monitor the agent in question.

  
  Prior to signing up for a UCA membership plan, an **signature verification was sent to you with all the benefit information that is included in the membership plan. This document clearly states that this is not a major medical plan and is not subject to the minimum standards required by the *************** Act. We see that you signed the **signature on November 2,2021 prior to joining or monies being taken from your account.

  
  UCA also provides our members with a 30-day money back guarantee. If you are not happy with the plan or the benefits do not fit your needs, you are able to cancel the plan and get a full refund.
  Your plan has been canceled as per your request and you will no longer be charged.  You were within your first 30-days, so a full refund was provided and credited back to the card on file.

  
  We are sorry that the plan did not work for you. If you have any additional questions or concerns,please feel free to contact ******************************* at **********************. We wish you the best of luck in the future.

  
  Sincerely,

  
  Unified Caring Association

• Initial Complaint

  07/26/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This evening, I thought I was signing up for a state health insurance option after being laid off due to covid. I explained to JC that I have prescriptions monthly and need insurance to avoid any tax penalties. He gave me my 3 options and explained the one with no deductibles along with using my prescriptions as examples. I agreed with the UCA Colonial Health after he explained everything. I was sent a text with a document and gave my card over the phone. After receiving the email portal log in, I then realized in the fine print this is not comprehensive health insurance nor does it meet the tax requirement of health insurance. I called back immediately and was given the run around that I can only speak to one person. I want all of my money refunded from this scam. When I called back I got Kenny and he picked up saying my name both times without my information being given. I looked on BBB and saw I am not the only one. Shame on you.

  

  Business response

  08/02/2021

  Dear Ms. *********,
  
  Unified Caring Association (UCA) has looked into your file and see that you signed up for a plan on July 24, 2021 with an effective date of August 1 2021.  Our plans are sold by independent licensed agents and the consumer benefits include:  Group Hospital Indemnity Insurance coverage, Group Accident Insurance coverage, an in-network repricing benefit, and an array of non-insurance benefits. If at any time we find that an agent is not providing our members with the correct information we look into it immediately.
  
  Prior to signing up for the plan, a document with all the plan information was  sent to you to sign.  This document explains the benefits that you are receiving and it clearly states:
  
  “I understand that I am buying limited benefit health insurance coverage. It is not a major medical plan and is not subject to the minimum standards required by the Affordable Care Act. The plan shall pay the benefits amount listed in the schedule of benefits that will be included in the membership materials sent to me upon enrollment. If my medical costs exceed the benefit limits then I will be responsible for any charges above those limits as defined in this plan. To minimize my share of the costs I will be guided to the most convenient participating provider in my area.”
  
  We see that you agreed to these terms and signed this document on July 24, 2021. UCA provides all our members with their information immediately and we always want to make sure you are aware of what you are purchasing. We also provide our members with a 30-day look period, so if you are not completely satisfied you may cancel your plan and be refunded in full.  UCA did received your cancellation request through email on July  26, 2021 and your plan was cancelled, refunded in full and no more monies will be drafted from your account.
  
  We are sorry that the UCA plan did not fit your needs and we wish you the best of luck in the future. If you need additional assistance or would like to discuss  further please feel free to contact Regina at (561) 4650-5877 Ext 204.

   

  Sincerely,

   

  Unified Caring Association

• Initial Complaint

  06/01/2021

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  On 5/10 I entered purchased "insurance" for Continental Care UCA for me and my three children for a total of $659.80, which included a $99 set up fee. I was told this was a "non-deductible PPO plan" that would allow us to keep our own doctors and "go to any doctor I want." I was trying to determine if private insurance or COBRA was the best decision for my family, and was told that this is the way to go. I was specifically told that I was signing up for a private PPO insurance plan. That if "I got into a car accident tomorrow I'd be covered 80/20 and then my $100k catastrophic plan will kick in. When I looked at the membership card, I noticed that it had a disclaimer stating that the "plan is not insurance." So I started to do my research only to discover that this isn't even health insurance!!! In the meantime, it's too late to sign me & my children up for COBRA and apparently now we are out of compliance with the ACA and are open to be fined.

  

  Business response

  06/14/2021

  Dear Mr. Copeland,

  
  Unified Caring Association (UCA) has received your complaint. We have reviewed your file and see that you signed up on May 10, 2021, with an effective date of May 11, 2021.   During this review we noticed that you have never contacted us for any assistance. We have reached out  multiple times and left several detailed messages for you to contact us.  We have never heard back from you.  

  
  During your initial call with the agent, you stated that you wanted to know the difference between your Cobra and the Association membership plans. Your Cobra was deemed to be unaffordable and you needed another option.  Since you decided Cobra and other Marketplace ACA plans were unaffordable, you were offered this plan to bridge the gap between now and when an ACA plan would be affordable, or a new employer plan was offered.

  
  Our membership plans contain benefits including a limited Fixed Indemnity Benefits, Group Accident Insurance coverage, and an array of non-insurance membership benefits. These membership plans are sold by independent licensed agents. During the enrollment process, members are informed of the insurance benefits included with the membership. Members are provided their policy, forms and brochures via an online portal, immediately upon enrollment. 

  
  Before you were enrolled into the plan, you were sent an E-signature document detailing all the plan benefits.  You accepted and signed that verification document on May 10, 2021. The UCA also provides all members with a 30-day look period. If you were not completely satisfied, you could cancel the plan within the first 30 days and received a full refund providing the plan was not used.

  
  UCA has cancelled your plan and refunded you in full as you were in your first 30-days.  The marketplace is open, and you are still able to get a major medical plan. If there is anything that we can do to help you, please feel free to contact Regina at (561)450-5877 ext. 204.  We are sorry that our plan did not fit your needs and wish you all the best.

   

  Sincerely,

   

  Unified Caring Association

  Customer response

  06/14/2021

  I am rejecting this response because:

  the misleading response. We concluded that the cobra option was not affordable only after being told that the plan they were providing was a PPO plan that would allow me to keep all of my families doctors and go wherever we wanted.

  I accept the termination of the plan and the refund, but I will not acknowledge their response as being accurate. People that read these reviews and complaints need to be aware of their sales tactics and miss leading approach. their description of what transpired is inaccurate.

  
  only after I received my membership card and saw the * indicating it was not an insurance plan was I made aware.
  

  

  Business response

  07/08/2021

  Mr. Copeland,

  We see that we issued you a refund directly to your Visa card ending in xxxx - 1111 on 06/14/2021 in the amount of $659.80. We show that it was refunded successfully. I have attached a copy of the refund transaction receipt for you. If you still do not see your refund please contact Visa.  If you need further assistance from us  you may contact Regina Schreiner at (561)450-5877 ext. 204.

  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. ↩