Complaints

This profile includes complaints for Unified Caring Association's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Unified Caring Association

  611 S Mount Shasta Blvd, 1st Floor Mount Shasta, CA 96067-2531

  
• 

  Unified Caring Association

  PO Box 1122 Mount Shasta, CA 96067-1122

  

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:03/19/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In March 15, 2023 I was looking for health insurance cause I was retiring. I was losing my health insurance. Long story short I was told this was medical insurance through Aetna it wasnt, I spoke with a ******************** who told me it was medical with 0 deductible and $10 copay. The cost was $189 a month to began in April 2023. Well, it didnt sound right so once I hung up I called back to ask more questions. At that part I knew it was a scam the guy got very defensive, rude I told him to cancel it. Because they ask for your bank Acct info which I gave them. Because I called them from a TV ad I had seen well they arent a health insurance company at ALL. They had taken out $56.14 to UCA then another $159 for ****************. So, I was transferred to a customer Svc person who told me they would refund my money. But, they had nothing to do with ****************. Well, I tracked them down after calling everyone involved. I was told in 14 business days I would get a check. And was told UCS would refund my money they sent me confirmation of cancellation. Well, over $200 was taken out of my bank account. Times are too hard to be scamming people. Please, STOP ?? them

  

  Business Response

  Date: 03/28/2023

  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 March 14, 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 March 14,2023.

  
  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.

  
  It is documented that you called into our customer service department on March 15, 2023, and cancelled your plan. You were provided a cancellation reference number of ********* and assured that we would refund your $56.90.  The refund was issued immediately and as we explained it may take 5 to 7 business days for you to see the refund go back into your account.

  
  The customer service representative also explained that the other plan you purchased for $159.00 was not our product and we do not handle that product or the cancellation. You would need contact that company to cancel and get your refund.

  
  We regret that you had a challenging experience and, 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

  Date:03/02/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Sold me policy saying its health insurance policy. They are scam scammed me for $231 Give me my money back.

  

  Business Response

  Date: 03/20/2023

  Dear ************,
  
  Unified Caring Association (***) has received your complaint.  We thank you for giving us the feedback on what transpired. *** takes every complaint very seriously, and we have done a full investigation.
  
  We have reviewed your file and it is recorded that you signed up on March 02,2023.  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 March 02,2023.
  
  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. It shows that you called into our customer service department on March 06, 2023 and cancelled your membership.  On this day you were issued a full refund and sent a cancellation email to confirm.
  
  We did reach out to your selling agent, and it was stated that you did purchase a Cigna plan and that this plan was purchased to help with your out of pocket responsibility. We do not handle your Cigna plan as we only service the *** membership plan.
  
  We regret that you had a challenging experience and, as mentioned, we investigated this immediately. Naturally, we feel upset when we hear that there is any confusion or misunderstanding with our plans. 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

  Date:01/19/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I called Jeff *******, ************, as recommended by my family. I told him I was 20, did not know anything about insurance, and that the only things I needed treatment for were Depression & ADHD. I was told this was not under the Affordable Care Act but I was NOT told that this is not actual insurance nor does it even cover mental health other than a free hotline number that interrogates you when you call them. I’m extremely disappointed that this company chooses to exploit uneducated buyers and that this type of phishing exists within the health insurance marketplace. This isn’t some gift shop this is PEOPLE’S LIVES and and I hope our country adopts universal healthcare some day so insurance companies can stop complicating people’s healthcare.

  

  Business Response

  Date: 02/02/2023

  Dear Ms. *******,
  
  Unified Caring Association (UCA) has received your complaint
  and appreciate you taking our call this morning. 

  
  Upon reviewing your file, we noticed that your plan was
  still active, and we reached out to see if you wanted to cancel as it was not
  stated in the complaint.  During this call
  you stated that you were very upset at the time and that is why you made a
  complaint to the Better Business Bureau.

  
  Today while speaking with the customer service supervisor
  Crystal, you stated that you now understand how the plan works and have decided
  to keep the plan and that you were sorry you made a complaint.
  UCA understands that Life happens, and we are happy to hear
  that Crystal was able to assist you today. We understand that Crystal provided
  you with her direct contact information so that if you have any questions or
  concerns you can contact her directly.

  
  We thank you for allowing us to assist you and we hope that
  we have resolved any concerns you may have had.  Please know that we are here to help you and if you need anything in the
  future do not hesitate to reach out to us.

  
  Sincerely,

  Unified Caring Association

• Initial Complaint

  Date:11/30/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Said this was health insurance and it's not paid $120 and it's not insurance

  

  Business Response

  Date: 12/14/2022

  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 Nov. 29, 2022.   On this day you were sent an e-signature document that lists all the benefit information. Included in this  document it clearly states that you understand that the coverage you selected is not a major medical plan and is not subject to the minimum standards required by the *************** Act.The plan shall pay the benefit amounts listed in the schedule of benefits that will be included in the membership materials sent to you upon enrollment. We send this so that our potential members are fully aware of the benefits. It is documented that you signed and read this document on Nov. 29, 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.

  
  Our records indicate that you canceled your plan on Nov. 30,2022, and you were provided a full refund.

  
  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

  Date:10/10/2022

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On July 30, I spoke with a representative from Unified Caring Association about purchasing a temporary insurance policy. The agent I spoke with ***********************************, indicated that the services of *********************** were covered in network under the plan I was purchasing. I chose to purchase the plan based on that coverage. The insurance carrier is not covering the my visits with ************ stating it is not covered. I have called Unified Caring Association and sent emails with no response. My understanding is that the calls are recorded and it can be verified that the I was told the services were covered (fraudulent misrepresentation of the policy I was purchasing).

  

  Business Response

  Date: 10/14/2022

  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 July 19, 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 prior to enrolling. It is documented that you signed and read this document on July 19, 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.
  
  After some research it was noted that you had a special enrollment period but declined to take a major medical plan since you would be on an employer plan in two months. The **signature document that you signed clearly states I understand that normal pregnancy, childbirth and mental illness benefits are not included. Under the insurance benefits.  you agreed to these terms and signed the document.
  
  During our conversation I explained that those claims would not be able to be paid but that I would provide a full refund as you were just outside the refund period when you cancel the plan.  This should offset most of the cost of your claims.
  
  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

  Customer Answer

  Date: 10/20/2022

   
  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 accept the resolution with two contingencies (1) That Unified Caring Association refund my entire payment (August and September 2022) and an understanding that I am concurrently pursuing a claim under ********** insurance protection law.

   

  Thank you.

  -*************************

  
  

• Initial Complaint

  Date:08/29/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company called me knowing I need insurance and told me they were selling me the affordable Care act plan and it would be a PPO. I did a little research and realized that this is actually not insurance or has anything to do with the affordable Care act. I'm so livid. I need insurance and instead I get ripped off by some predatory company that now has my information. I want to know who the *** is and head proprietor. I want them to know that I think they are horrible people. Give me a refund immediately. I'm going to be the biggest thorn in the side of this company. You have no idea how discontent I already am with health insurance companies. The fact that there's people going around pretending to sell health insurance to people who need it. Give me my money back

  

  Business Response

  Date: 09/08/2022

  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 August 26, 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 August 26, 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. You were well within these guidelines,and 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