• Report: #298201

Complaint Review: HCCUA, HCCUA.ORG, HCCUA.COM, HEALTHCARE CREDIT UNION ASSOCIATION - THIS IS NOT HEALTH INSURANCE

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  • Submitted: Tue, January 08, 2008
  • Updated: Tue, October 21, 2008

  • Reported By:Miami Florida
HCCUA, HCCUA.ORG, HCCUA.COM, HEALTHCARE CREDIT UNION ASSOCIATION - THIS IS NOT HEALTH INSURANCE
700 BANYAN TRAIL, SUITE 200 BOCA RATON,FL 33431 BOCA RATON, Florida U.S.A.

HCCUA, HCCUA.ORG, HCCUA.COM, HEALTHCARE CREDIT UNION ASSOCIATION - THIS IS NOT HEALTH INSURANCE GARBAGE HEALTH COVERAGE, YOU WILL GO BANKRUPT!, RUN, RUN,RUN BOCA RATON Florida

*Consumer Comment: Best Health Insurance I've Found

*Consumer Comment: Excellent Service

*Consumer Comment: um mega is real deal though

*UPDATE Employee: Response to Sharon

*Consumer Suggestion: Fight back and put and end to this company and others like it

*Consumer Suggestion: Stay away from these types of plans

*Consumer Comment: Are you kidding?

*UPDATE Employee: The Facts

*Consumer Comment: my daughter just paid for this health care insurance

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TALKED INTO BUYING THIS JUNK. HERE'S THE PITCH. "SIR, BY JOINING THE CREDIT UNION, YOU CAN GET GROUP HEALTH BENEFITS" YES, VERY VERY LIMITED BENEFITS. FOR $300 PER MONTH, YOU GET NOTHING. WORTH ABOUT $25 A MONTH FOR WHAT YOU GET.

THEY PAY $30 A DAY IN HOSPITAL!! WHAT GOOD IS THAT? ONE PLAN PAYS $500 A DAY IN THE HOSPITAL, WHAT GOOD IS THAT?? AT $3000 A DAY, I'M GOING TO PAY THE REMAINING $2500.

FOLKS DON'T BUY THIS CRAP.
IF YOU DID, CANCEL IT IMMEDIATELY.

FRIGIN GARBAGE!

Sharon
Miami, Florida
U.S.A.

This report was posted on Ripoff Report on 01/08/2008 04:52 PM and is a permanent record located here: http://www.ripoffreport.com/r/HCCUA-HCCUAORG-HCCUACOM-HEALTHCARE-CREDIT-UNION-ASSOCIATION-THIS-IS-NOT-HEALTH-INSURANCE/BOCA-RATON-Florida-33431/HCCUA-HCCUAORG-HCCUACOM-HEALTHCARE-CREDIT-UNION-ASSOCIATION-THIS-IS-NOT-HEALTH-INSU-298201. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 9Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Best Health Insurance I've Found

AUTHOR: Barbara - (U.S.A.)

I have learned NEVER to believe ALL you read on the net.....However, after having Blue Cross/Blue Shield at over $400/month individually, I found out about HCCUA on TV. I called and talked extensively with their representatives, who I might add were very cordial and helpful. I signed on the the $159/month plan and the ONLY downside I've found is that they only offer 15% off brand name meds. Fortunately, all my meds come in generic form, so I'm happy. I have no co-pay when I go to the doctor who is in the plan. They have very reputable docs in my metropolitan and surburban areas in the plan. All the hospitals, urgent cares, etc. in my area are in the plan, and I'm happy with the plan benefits.
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#2 Consumer Comment

Excellent Service

AUTHOR: Vicki - (U.S.A.)

I have used HCCUA for almost a year. They have always paid my doctor's bills on time and have paid prescription coverage as well. I have never had any problem with them at all. The service has been excellent.

Vicki
Hilliard, OH
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#3 Consumer Comment

um mega is real deal though

AUTHOR: Paul - (U.S.A.)

Mega is real though so the above is partially fake info.

Ive had mega before and its legit.

But I am glad to find the ican to be 'not legit' at least
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#4 UPDATE Employee

Response to Sharon

AUTHOR: Jacquie - (U.S.A.)

The HCCUA plans are Defined Benfit plans, not Major Medical and not intended to replace Major Medical coverage. They are specifically designed for people who are having difficulty affording a Major Medical policy now but still want some kind of coverage. For them, the availability of such a program is a blessing.

The coverage is explained clearly in the Member's Handbook and any person enrolling has 15 days to review the plan before cancelling for a full refund, should they desire that.

We get approximately 1100 calls each day in the Member Services Dept from satisfied Members who are happy with the plan and calling for assistance in using their coverage. It IS insurance.

Sincerely,
Dr. Jacquie Damgaard
Executive Director, HCCUA
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#5 Consumer Suggestion

Fight back and put and end to this company and others like it

AUTHOR: Reneeg - (U.S.A.)

I worked paying insurance claims for many years and now work on the other side as a biller.
I was shocked to read about HCCUA and how it conducts business.
While it is great that each of you has reported on this web site, I do not think it is enough.
I suggest that each person who has a problem with them contact their State Insurance Commisioner and the State Attorney General.
You have to fight back and report this fraud to recover your money.
Your states Attorney General may also issue a cease and disist order to the company preventing them from doing business in your state.
The owners of this company could face severe fines and jail time if they are found to be guilty of fraud.
God Bless each of you, good luck.
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#6 Consumer Suggestion

Stay away from these types of plans

AUTHOR: Tom - (U.S.A.)

These types of plans are ripoffs. They aren't health insurance.

Mega Life, United America and this crap company.

If you need some help looking for affordable health insurance.. Try

www.FloridaHealthBroker.com

1-888-481-0665

The guys help land me a United Health Care policy that was really affordable and covered everything when my wife got diagnosed with cancer.

They have all the major carriers in Florida.

These guys are terrific
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#7 Consumer Comment

Are you kidding?

AUTHOR: Kathek - (U.S.A.)

Health Care Credit Union Association has bilked me illegally for about $2,000. You fraudulently represented yourself as something you definately are not. Please explain to me how if I contact by bank when you illegally remove funds from my account. Please explain to me after you have been delivered the affidavits of forgery the bank forwards to this company, why, the next month, this company uses a different bank routing number and again removes money from our account. Talking with this company only affords you the priveledge of getting harrassing phone calls as to why you didnt cancel in the first 18 days, of course you receive no information for over 2 months thus making it too late to take any action. I also was made aware by our bank that again the company attempted through yet another routing number attempted to remove more funds again. Our bank has contacted the Minnesota Attorney General and the Minnesota Insurance Commission with regars to this company. If this company were indeed a reputable one, would not the sensible logical individual approach this matter in an atempt to resolve this? I would answer yes to this, but what you do get is more attempts to defruad monies.
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#8 UPDATE Employee

The Facts

AUTHOR: Dr. Damgaard - (U.S.A.)

I am the Executive Director of the Health Care Credit Union (HCCUA), the Association that provides the insurance program in question. I am increasingly concerned about the ability of individuals to post false, irresponsible, and arguably libelous information on a site like this with no accountability for its accuracy. Let me set the record straight.

The Health Care Credit Union (HHCUA) exists to provide an array of benefits to its members, among which are limited benefit health insurance programs. Benefit offerings like ours are becoming more and more prevalent as traditional major medical insurance has become increasingly expensive and harder to qualify for, if one has any significant health issues. It is well known that approximately 48 million Americans are uninsured, and the number is rising. This situation is now being considered by most Americans as a healthcare crisis in our country.

The goal of HCCUA is to provide our members with an affordable health insurance option, if they cannot afford or cannot qualify for major medical insurance. If someone has major medical coverage, we do not and will not enroll them in this plan as a replacement for that coverage. However, someone who does not have major medical coverage can benefit greatly from our plans, because often the alternative is to be without any coverage at all, both for themselves and their families.

The HCCUA insurance programs are underwritten by very reputable and highly rated carriers. Our products are licensed and approved with the respective departments of insurance in every state where we offer them, and every person who enrolls members is a licensed health insurance agent.

All of our current plans offer first day coverage for hospital confinement from $200 to $1,200. The plan which had a $30 daily hospital confinement benefit is one we no longer offer, but even so, that program was never sold on the basis of that particular benefit. The program also offered:
$2500 first day benefit for hospitalization
$3000 surgical benefit
$750 anesthesia benefit for a covered surgery
$5000 Accidental Injury benefit
$10,000 Accidental Death and Dismemberment benefit
$15 co-pay for most generic prescription drugs
$75 payment for physician office visits up to 5 times per year
access to one of the largest PPO networks in the nation, which on average means a 35% to 45% savings in the cost of procedures

Of course, this was not mentioned by the individual who had such negative things to say about the program!

We constantly strive to improve our offerings and now have benefit plans with higher benefit levels than before. While these limited benefit plans do not fit the needs of everyone, for many they are a true blessing. We regret that this individual cannot see this. If you want to see a description of the full range of benefits that we offer to HCCUA members, you can access this information at www.hccua.org .
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#9 Consumer Comment

my daughter just paid for this health care insurance

AUTHOR: Glenda In Mississippi - (U.S.A.)

I you say this is a ripoff could you explain yourself? I just went to the website and looked at the plans and they are fully explainable of what they cover and how much they cover. I am concerned, if you say they rip you off, HOW? do they not pay for what they say they will pay? what? glenda in Mississippi
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