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Report: #1018093

Complaint Review: NCE Unified Health One - Boca Raton Florida

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  • Reported By: Knoxville Tennessee United States of America
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  • NCE Unified Health One 2200 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 was shopping insurance plans in January and was contacted by a sales person pitching NCE Unified Health.  I wish I had seen the posts here prior to signing up.  This plan is nothing but a SCAM!!! The rates all seemed to be very good, unlimited doctor visits for $50/visit, full diagnostic coverage, blood and lab work, etc. No deductibles and first dollar coverage.  I asked what the co-pays were and was given a long winded answer that made it sound like this was an 80/20 plan.  Coverage for myself and 2 dependents would be $430/mo with an enrollment fee of $99.  What a terrific rate!   They were able to offer this great rate because there was an open enrollment going on with NCE (National Congress of Employers).  Additionally, for an additional $29.95/mo I could get a "prescription rider" that would cover up to 80% off on name brand drugs and generics for $5-$10.

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: https://www.ripoffreport.com/reports/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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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