• Report: #303555

Complaint Review: HCCUA, HCCUA.ORG, HCCUA.COM, HEALTHCARE CREDIT UNION ASSOCIATION

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  • Submitted: Sat, January 26, 2008
  • Updated: Tue, November 25, 2008

  • Reported By:Colorado Springs Colorado
HCCUA, HCCUA.ORG, HCCUA.COM, HEALTHCARE CREDIT UNION ASSOCIATION
700 BANYAN TRAIL, SUITE 200 BOCA RATON, Florida U.S.A.

HCCUA, HCCUA.ORG, HCCUA.COM, HEALTHCARE CREDIT UNION ASSOCIATION DO NOT GIVE THEM YOUR CREDIT CARD #!! This Company is shady...at best! BOCA RATON,FLORIDA

*UPDATE Employee: Response to Rebecca

*UPDATE Employee: Response to Rebecca

*UPDATE Employee: Response to Rebecca

*REBUTTAL Individual responds: great service

*REBUTTAL Individual responds: great service

*REBUTTAL Individual responds: great service

*Author of original report: HCCUA did refund my money

*UPDATE Employee: The Facts

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I thought it was to good to be true, and it SURE WAS. The Salesperson told me I had 30 days to review the policy from the time it went into effect. When I received the policy I realized it was severely limited and NOT WORTH THE MONEY.

I tried to call the customer service number on the card, and got a recording for several days. I called number on my credit card statement and got a recording, I did leave a message asking to cancel and refund my money. The email addresses on the web site and on the brochure DON'T WORK!

I tried to call every day, and could NEVER GET THROUGH, when I finally did get through on the phone, the person I talked to was incredibly RUDE and INSULTING. By this my credit card had been charged again.

I then spoke to a woman who PROMISED me I would receive a FULL REFUND, including the "membership fee" within 30 days.

32 Days later I called and happened to get the same woman. Now she said I was just getting one month's refund (which I still have not received), even though she admitted she herself had promised a full refund!

Save yourself the time money and heartache.....Buy a real policy from a real company

Rebecca
Colorado Springs, Colorado
U.S.A.

This report was posted on Ripoff Report on 01/26/2008 09:08 AM and is a permanent record located here: http://www.ripoffreport.com/r/HCCUA-HCCUAORG-HCCUACOM-HEALTHCARE-CREDIT-UNION-ASSOCIATION/BOCA-RATON-Florida-33431/HCCUA-HCCUAORG-HCCUACOM-HEALTHCARE-CREDIT-UNION-ASSOCIATION-DO-NOT-GIVE-THEM-YOUR-CRE-303555. 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.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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REBUTTALS & REPLIES:
0Author 5Consumer 3Employee/Owner
Updates & Rebuttals

#1 UPDATE Employee

Response to Rebecca

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

Rebecca,

I am puzzled. This is not at all characteristic of the typical experience of our Members with our Member Services team. I am very sorry for your frustration and want to be certain that you are quickly and fully taken care of.

Your complete contact information is not given on your posting, so I do not know how to reach you directly. Please contct me personally on (561) 886-8775, so that I may be cetain that your concerns are immediadtely addressed.

Dr. Jacquie Damgaard
HCCUA Executive Director
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#2 UPDATE Employee

Response to Rebecca

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

Rebecca,

I am puzzled. This is not at all characteristic of the typical experience of our Members with our Member Services team. I am very sorry for your frustration and want to be certain that you are quickly and fully taken care of.

Your complete contact information is not given on your posting, so I do not know how to reach you directly. Please contct me personally on (561) 886-8775, so that I may be cetain that your concerns are immediadtely addressed.

Dr. Jacquie Damgaard
HCCUA Executive Director
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#3 UPDATE Employee

Response to Rebecca

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

Rebecca,

I am puzzled. This is not at all characteristic of the typical experience of our Members with our Member Services team. I am very sorry for your frustration and want to be certain that you are quickly and fully taken care of.

Your complete contact information is not given on your posting, so I do not know how to reach you directly. Please contct me personally on (561) 886-8775, so that I may be cetain that your concerns are immediadtely addressed.

Dr. Jacquie Damgaard
HCCUA Executive Director
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#4 REBUTTAL Individual responds

great service

AUTHOR: Lature M - (U.S.A.)

My name is Lature M and I'm a member of HCCUA. They offered me quality health coverage that gave me access to a credit union. I've been a member of HCCUA since 3/1/08, and I can truly say that I am well pleased with their benefits and customer service.



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#5 REBUTTAL Individual responds

great service

AUTHOR: Lature M - (U.S.A.)

My name is Lature M and I'm a member of HCCUA. They offered me quality health coverage that gave me access to a credit union. I've been a member of HCCUA since 3/1/08, and I can truly say that I am well pleased with their benefits and customer service.



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#6 REBUTTAL Individual responds

great service

AUTHOR: Lature M - (U.S.A.)

My name is Lature M and I'm a member of HCCUA. They offered me quality health coverage that gave me access to a credit union. I've been a member of HCCUA since 3/1/08, and I can truly say that I am well pleased with their benefits and customer service.



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#7 Author of original report

HCCUA did refund my money

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

I did finally get a full refund from this company. I was contacted last week and received an apology for the way I was treated as well as the explanation that they had recently hired a lot of new people.

I am glad that I finally got some satisfaction, however if they had treated me halfway decently to begin with they may have retained my business.
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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 HCCAU members, you can access this information at www.hccua.org
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