Perennial Care UCA United Caring Assocition Perennial Care- Beware of coverage and misinformed information Syosset New York

Perennial Care is not a major medical health insurance carrier.  They contacted me via a broker.  He assured me I could save 1000.00 which is important becuse I lost my job in November.  The charge was 395.00/month for 3 of us.  The broker also told me that there was no deductible and even if something happened to anyone in my family i.e. broken arm, everything would be covered.  I received the crds in the mail (very stran.  ge cards very decorative) and assumed I was ok.  They chrged my account to my credit card.  I was told I would receive a monthly bill.  

After some research it appeared this is not a medical insurance it is a preventive service (I think).  Medical is not covered.  Furthermore, the best part is, they continued to charge my credit card automatically for 2 more months.  I called them and finally got a hold of customer service after waiting for 5 minutes.  She told me they were paperless and I agreed to have this charged to my card via their recording.  I told her that I was specifically told I would receive a bill and could cancel at anytime.  She said no refund I should have cancelled on their website.  She said she would cancel my membership going forward.  

Asked for a supervisor which told me the same thing only that when she looked me up in their system, they still had not cancelled my membership but would then do so via a recording.  In the interim assuming I would not be automatically charged, I assumed I would not owe them and went with a legitimate carrier.  So I have no job, and have been paying for duplicate carriers with the refund from their unworthy association or whatever it is they do.  Thank goodness I was not in need of their so called services.  I am still pusuing a refund for the 800.00 dollars and its a crime that they are misinforming people in need.  The broker by the way was also rude.  I should have known you don't get something for nothing.