- Report: #1018093
Report - Rebuttal - Arbitrate
Complaint Review: NCE Unified Health One
NCE Unified Health One2200 N Federal Hwy Boca Raton, Florida United States of America
NCE Unified Health One Unified Health SCAM - This plan represented as insurance but is really a Discount Plan Boca Raton, Florida
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I asked about pre-existing conditions and told this was not an issue. I would be covered. I asked specifically if this was a discount plan and was told it was not. I was told I would need to answer several questions in order to accept their coverage that would be recorded (for my protection) and when asked if I understood this to be a limited (discount) plan that they were only referring to the prescription coverage. I also had 10 days to cancel with a full refund.
I signed up for coverage on Jan 17 and received a welcoming e-mail along with my member ID information and a sample schedule of benefits. After reading through the coverages it became clear that this was actually a discount plan. It actually says in the welcoming e-mail "that the insurance is not basic health insurance or major medical coverage, and is not designated as a substitute for basic health
insurance or major medical coverage." Doctor visits limited to 5 visits and the plan will only pay $50/visit. Limits of $50 per day on pathology and radiology with only 2 days covered per year. Surgery and hospital benefits limited as well. The prescription rider turned out to be nothing more than a discount card similar to what you can get for $20 at Walgreens and didn't even provide a substantial discount on my medications. I called Unified Health on Jan 24 and told them I wished to cancel in accordance with the cancellation provisions. I was transferred to Daniel Gootner who is the agent at this office and told him I wished to cancel. He said that would not be a problem, that I could expect a confirmation e-mail and I could expect a refund in 7-14 days. I called them again on Feb 8 after not hearing anything. I spoke to a person named Earl who said I need to complete a Termination Request Form and e-mail or fax it back to them. This was sent back on Feb 8 but as of today, Feb 21, I have not received a confirmation or refund to my credit card.
Today I reported this to my credit card provider and asked them to pursue recovery. I also had to cancel my card so that it could not be charged again by Unified Health. I can't believe that this group is able to continue to operate. They do not provide truthful information and actually mislead you to believe they are selling something they really are not. I hope this posting may help others to not fall for this same SCAM.
This report was posted on Ripoff Report on 02/21/2013 01:49 PM and is a permanent record located here: http://www.ripoffreport.com/r/NCE-Unified-Health-One/Boca-Raton-Florida-33431/NCE-Unified-Health-One-Unified-Health-SCAM-This-plan-represented-as-insurance-but-is-rea-1018093. 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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