Freedom Life and Unified Caring Association Premier Series Patriot Health Florida, Inc Deceptive Business Practices (Fraud) in misrepresenting a supplemental health package as traditional health insurance. Advertised as PPO with low deductibles and traditional coverage. Upon receipt of paperwork, simply an cost reduction plan. Syosset New York

Recently searching for Health Care Insurance for family and was contacted by this company referred to as: Unified Caring Association; Freedom Life Insurance Company of America; and Patriot Health Florida, Inc. (MultiPlan / PremierSeries program).  The representative (phone) came across as if they were selling major medical or comprehensive insurance coverage as they proceeded to ask medical questions and gain 'approval' for acceptance. However, it is really just a savings program that ranges anywhere from 15-50% advertised savings with participates.  The representative guided me to an online site that indicated that care in my area was covered. 

Upon further investigation, I found this not to be the case.   My checking account was debited for $1200 to set up my program which included dental, Accidental Death Benefit, and an RX package.  Again, each of these programs (with exception to ADB of course) represents merely a savings plan (15-50% potential in savings).  I would dare to even test the percentage of savings in actual experience.  I was unable to receive the program detail about the policy until the initial premium and start-up fees were paid.  Upon review of the program details, I quickly realized I had been ripped-off. 

That nauseating feeling hit the pit of my stomach to realize I had been played.  After a quick perusal online, I quickly discovered similar accounts with this company dating back as far as 2013.  Unbelievable.  Automated deductions are in place for the services rendered.  Consequently, I will close the account affected tomorrow and try to get reimbursed monies spent.  Naturally, I'm not optimistic that I will even make contact with anyone within this organization.  I can't imagine the number of people who have been scammed by this outfit through the years.  People like myself are growing desperate for any kind of coverage in response to the Obamacare debacle.  These bottom-feeders are fleecing the vulnerable.  Another blight upon humanity indeed.