Complaints

This profile includes complaints for Unified Caring Association's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Unified Caring Association

  611 S Mount Shasta Blvd, 1st Floor Mount Shasta, CA 96067-2531

  
• 

  Unified Caring Association

  PO Box 1122 Mount Shasta, CA 96067-1122

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/02/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was shopping for new health insurance plans December of 2024. The agent i spoke with informed me that my monthly premiums would be $180 dollars. I have been paying my premiums, and I've also been paying $389.95 A MONTH for nothing. My health insurance premiums are paid out to my actual health insurance, and Unified Caring Association NEVER informed me they were signing me up to be charged **** near $400 a month for absolutely nothing. A complete scam, I've paid $1169.85 for NOTHING at all without being told I was signed up for this scam. I'm not even sure how they authorized these payments, I was under the impression that everything I agreed to was for my health insurance, not some third party "non-profit organization" and i certainly wouldn't have agreed to anything if I had been informed that this sleazy company was taking on $389 a month for a gym membership discount to a gym I've never been in and never **** to go to. I'm sure I won't be refunded a ***** because companies like this have been sued enough times to figure out how to legally rob people of their paychecks without having to gain any legitimate consent from the customer or disclose the actual costs up front before signing some ********. I'm sure that if/when they actually get back to me they'll have something claiming I was aware of what I signed, claiming their robbery was absolutely legitimate.

  

  Business Response

  Date: 04/22/2025

  Dear Mr. ******************** you for bringing your concerns to our attention. At Unified Caring Association (UCA), we take all feedback seriously and are currently conducting a thorough investigation into the matter you reported.
  
  We have made several attempts to contact you to gather additional details that would assist in our review, but unfortunately, we have not yet received a response.
  
  We are confident that we can address your concerns and work toward a positive resolution. At your earliest convenience, please reach out to ****** ********* at ************** so we may continue the conversation.
  
  We look forward to hearing from you and appreciate the opportunity to assist.
  
  Sincerely,

  Unified Caring Association

• Initial Complaint

  Date:03/15/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had changed jobs and was in need of health insurance. I contacted what i thought was *********** only to find out I had been scammed - big time. They had marketed this as health insurance, and after speaking to a representative, I was under the impression they would cover a % for each office visit for a monthly cost of $380.00. When I received the paperwork, and finally got around to reading the fine print, it stated that not only is it not major health insurance, but that they would only cover a very small amount per visit. If I had known this, I would have never signed up for this. Also, shortly after signing up and giving them my card information, my credit card was compromised and I had multiple fraudulent charges, resulting in me having to cancel that card. Which, not only caused financial harm, but disruption with other customers that I had online transactions with. Unfortunately I did not discover this until after I had made 3 payments- so Im looking for at least one payment back as a refund. This company has very misleading marketing!

  

  Business Response

  Date: 03/24/2025

  Dear Ms. ******************** you for reaching out to Unified Caring Association (UCA) with your concerns. We appreciate your feedback and take every complaint very seriously. Please be assured that we have conducted a thorough review of your case.
  
  Our records indicate that you enrolled with *** on December 9, 2024. On the same day, you received an e-signature document outlining all membership benefits. This document is provided to ensure full transparency regarding the benefits available to our members. Our records confirm that you reviewed and signed this document on December 9, 2024.
  
  Additionally, upon signing up, you accessed your online fulfillment portal and accepted a pop-up notification explicitly stating that this plan is not a major medical insurance policy and does not meet minimum coverage requirements. To further ensure our members' satisfaction, we offer a 30-day review period during which they may cancel their membership for a full refund if they are not satisfied.
  
  On March 15, 2025, you emailed us requesting cancellation of your membership, citing new employment as the reason. Since our office was closed over the weekend, your request was processed on Monday, March 17, 2025.However, we note that on March 15, 2025, your scheduled payment was declined.The following day, on March 16, 2025, you accessed your online fulfillment portal and manually submitted your monthly payment. As a result, when we processed your cancellation request on March 17, 2025, we issued a full refund for your most recent payment.
  
  If you have any further questions or would like to discuss this matter in more detail, please feel free to contact ****** ********* at ************************. We appreciate your time and apologize for any inconvenience this may have caused.

  
  Sincerely,

  Unified Caring Association

• Initial Complaint

  Date:03/15/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On Wednesday March 12th I enrolled in this program (which I found out later is not even an insurance company) after falsely being told this was the *********************************** Program. I paid $*****0 and immediately felt that this was a mistake. I did research (too little too late) and quickly found out this company is a scam and contacted them immediately to cancel my membership. I received a cancellation and a refund email from them which I will copy into the end of this. I could see a refund being initiated on my credit card but the next day, the refund that was initiated (never completely processed or completed) disappeared and the charge posted. Member Name: ******* ***** ***** Member ID#: ********** Cancellation Confirmation #: ********* Dear ******* ***** *****,This email confirms the cancellation of your CareConnect - Unified Caring Association membership plan. Your cancellation confirmation number is *********.. Your Membership plan was effective on April 01, 2025 and has been refunded in full.Any claims submitted for a month we are providing a refund will not be paid.Refund Details:APR 2025:$ ***** refunded Electronically on account ending [xxxx 3336].Dear ******* ***** *****,Your refund has been successfully processed. Here are the details of the transaction:Date: Thursday, Mar. 13, 2025 Status: Approved Amount: $***** Payment Method: xxxx xxxx xxxx 3336 Transaction ID: *********** Merchant: Care Connect As I stated above, this refund was initiated but was rescinded and the charge had now posted. I no longer have access to the account, as it states when I attempt to log in, that my membership is no longer active; however, they charge my credit card anyway. I was well within my 30-day cancellation period as can be seen above as I cancelled the same day. This company is a scam and I am in awe it was accredited by the BBB. Shameful.

  

  Business Response

  Date: 03/24/2025

  Dear Ms. ******************* you for reaching out to Unified Caring Association (UCA) and sharing your concerns. We take all complaints seriously and appreciate your feedback. Please note that our plans are sold by individually licensed agents, and we are conducting a full investigation into this matter.
  
  To provide our members with peace of mind, we offer a 30-day refund period. Our records indicate that you enrolled in a plan on March *******, and your payment was successfully processed. On March 13, 2025, you contacted our customer service department to cancel your plan. Our representative promptly processed your cancellation and issued a refund immediately. Once a refund is issued, it is handled by the financial institution, and processing times may vary. Typically, refunds can take up to five business days to reflect in your account.
  
  We want to reassure you that *** is dedicated to providing quality service and maintaining member satisfaction. Our commitment to transparency and responsiveness remains our main goal. If you have any further questions or concerns, please feel free to contact ****** ********* at *************. We appreciate your patience and the opportunity to address this matter.

  Sincerely,

  Unified Caring Association
  

• Initial Complaint

  Date:02/07/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  When I tried making an appointment to see a psychiatrist, they were having trouble running my insurance. The only thing they got back was accidental. I contacted ************ and told them my situation. Then, I was told that the insurance I have doesn't cover mental health. I wasn't told this when the agent was going over the policy with me. I asked him which of my doctors was covered. I was told all of them except one. That one is my PCP. I even got on their providers search and they have psychiatrists listed. My agent called me back and told me to pay out of pocket if I don't see a psychiatrist of my choice very often. If I do have to see this psychiatrist often, that he would sign me up with ********** And Blue Shield or United Healthcare. I would be paying an extra $100.00 for these plans every month. I make about $14,000 a year and can't afford it. I'm paying $286.90 every month for the insurance I have with them. For them not to cover mental health, isn't right. For that price, mental health should be covered. I don't make enough money for the **************** Marketplace and I don't qualify for ********.

  

  Business Response

  Date: 02/06/2025

  Thank you for writing. MultiPlan realizes that you wrote a separate review, and it seems like you took our advice to file a complaint. Kindly remember it's not MultiPlan you have done business with. You mention ************** in your complaint. We have notified the NY Metro BBB that you are in need of help, we again very strongly recommend that you share more information on who you are paying monthly and who you entered into an agreement with. Thier Phone #, their e-mail address, take a photo and attach to the complaint the front and back of your member ID card, take a picture and attach the letter or e-mail you received from them regarding your plan. Anything that will help the BBB assist on your behalf. We wish you the very best.

  Customer Answer

  Date: 02/06/2025

  Their phone number is ************

  Email address: ****************************************

  I found this plan through the Obamacare Plans in ****** 

  

  Business Response

  Date: 02/27/2025

  Dear BBB,

   

  The member in question remains active but has requested not to be contacted by the business. Per our policy, I cannot cancel a membership without written consent or a recorded cancellation request. Our response to the BBB explains this.

   

  Please send the BBB's response to Ms. **** ****-****, so she can contact us directly to process her cancellation and avoid further charges.

   

  Let me know if you need any further assistance.

   

  ****** ********* Compliance Coordinator
  	Member Companies
  	Address	********************** Suite #5, *************************
  	Phone	**********************
  	Mobile	***************
  	Email	*******************************************************************************************************************************************************************************************************************************************************************************************
  	Web	*****************
  CONFIDENTIALITY NOTICE: If you have received this email in error, please immediately notify the sender by e-mail at the address shown. This email transmission may contain confidential information. This information is intended only for the use of the individual(s) or entity to whom it is intended even if addressed incorrectly. Please delete it from your files if you are not the intended recipient. Thank you in advance for adhering to this notice.

  Customer Answer

  Date: 02/27/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.
  
  

• Initial Complaint

  Date:01/05/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  October 2024 I attempted to get on an *** plan through Michigan government website. Reached a number where they convinced I was getting enrolled in an ***. Asked person on phone several times to make sure I was being enrolled in actual insurance and not care connect (have been enrolled in care connect before through coercive, and manipulative tactics) and the operator assured me the cost was going towards an ACTUAL insurance plan. Not just a supplementary discounts provider. I called in November after seeing a charge that did not coincide with an insurance provider. Was yet again mislead by the operator and reassured that the expense was connected to my insurance. United healthcare automatically set me up with a care connect account *********************** healthcare) and I did not fully catch on until December when I was finally able to cancel my account with them. They refuse to refund the first two bills I was issued essentially because "I should've known better" all but admitting that their tactics are less than morally sound and are in fact intentionally misleading their clientele.  

  

  Business Response

  Date: 01/27/2025

  Dear Mr. ***************************************** (UCA) has received your complaint.  We thank you for giving us feedback on what transpired. *** takes every complaint very seriously, and we are doing a full investigation.

  
  We have reviewed your file, and it is recorded that you signed up on September 5th, 2024. On this day you were sent an e-signature document that lists all the benefit information. We send this document so that our potential members are fully aware of the benefits. It is documented that you read and signed this document on September 5th, 2024. In addition, we emailed the signed copy of that e-signature to the email address that you provided, and we have on file.

  
  However, as a reassurance, we do provide our members with a 30-day look period. If for any reason they are not satisfied, the policy can be cancelled, and a full refund is issued.

  
  It is noted on your file that you signed into your online fulfillment portal on October 24th, 2024, and accepted the pop-up that states that this is not a major medical plan and that it does not meet the minimal standards required.

  
  On November 5th, 2024, you called into the member services department and stated that you did not ask for this plan and that you wanted a medical plan. The *** benefits were explained to you again, and it was recommended that you call your agent to see if you had any additional products that were not related to us.  *** plans are sold by independent licensed agents, and many agents sell other products that are not related to ***. You did not cancel the plan at that time.

  
  On December 5th, 2024, *** received an email from you requesting to cancel the plan.  We processed your cancellation and even though you were past your 30-day refund period we refunded you your last payment as a courtesy. We do not feel that any further refund is due.

  
  In addition, we did reach out to the agent/agency that you purchased the plan from, and they stated that you also have a major medical plan with ****************** that they helped you sign up for. They explained that the Care Connect plan was purchased in addition to the major medical plan to help you with dental and vision costs as ****************** does not offer adult dental and vision.

  
  We did reach out to you and left a few messages with our contact information, but we did not hear back. Naturally, we feel upset when we hear that a member is unhappy but if you have any questions or would like to speak with us, please contact ****** ********* at **********************.  

  
  Sincerely,
  Unified Caring Association

• Initial Complaint

  Date:09/23/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was speaking to an agent who was extremely pushy and said at the end after I told him that I will need to think about the insurance that I should stop wasting people's time

  

  Business Response

  Date: 09/26/2024

  Dear **** ****,

  Unified Caring Association (UCA) has received your complaint.  We thank you for giving us the feedback on what transpired. *** takes every complaint very seriously, and we would like to do a full investigation.

  Please understand that *** has many different plans and that these products are sold by individual license agents across the nation.  
  Your complaint is marked as a repair issue, but you did not give us any information regarding the agent you were speaking with.  We need further information to investigate the issue you are reporting.

  *** takes pride in our products, customer service and the compassion we have for our members. You requested that we do not contact you any further and we will respect that request, but we are unable to solve the issue without additional information. If you would like to discuss the matter or provide additional information, please contact ****** ********* at **********************. Please accept our sincere apologies.
  
  Sincerely,
  Unified Caring Association

• Initial Complaint

  Date:09/12/2024

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I needed insurance during a non enrollment time - due to high costs of medications, doctors notes, etc. they signed me up for insurance - I clarified multiple times, for $235.00 a month, with a $335.90 start up cost for a month waiting period for it to start.I got it because I have therapy, meds, see doctors often, and I am now pregnant. Ive called and asked for multiple carriers to help me find providers in the area (they say you have to call them and then they book it for you) And they keep directing me to another phone number. I was just told today it isnt a valid insurance but a discount card.

  

  Business Response

  Date: 09/26/2024

  Dear Ms. *******
  
  Unified Caring Association (UCA) has received your complaint.  We thank you for giving us the feedback on what transpired. *** takes every complaint very seriously, and we are doing a full investigation.

  We have reviewed your file, and it is recorded that you signed up on July 8th, 2024. On this day you were sent an e-signature document that lists all the benefit information. We send this document so that our potential members are fully aware of the benefits. It is documented that you read and signed this document on July 8th, 2024. In addition, on July 9th,2024, we sent the signed e-signature to you at the email address you provided.We always want to ensure that our members are aware of what they purchased.

  However, as a reassurance, we do provide our members with a 30-day look period. If for any reason they are not satisfied, the policy can be cancelled, and a full refund is issued.

  Your file notes that you signed into your online fulfillment portal on August 27th, 2024. This portal provides our members with all the information that is included in their plan. When you first sign onto this portal there is a pop-up that appears that clearly states that this is not a major medical plan and that it does not meet the minimum standards required by the *************** Act. You accepted this pop-up.

  On September 16th, 2024, you called into our members services department and requested to cancel the plan. You stated that you were able to obtain a ******** plan and that this plan is not what you were looking for. Your plan was cancelled, and you were provided with a cancellation number and a cancellation email was sent to the email address on file.

  Your complaint states that you called and asked for multiple carriers to help you find providers, but we only show two calls from you.  The first time you called on Sept 10th,2024, you called into the member services department, and it was explained to you that all appointments need to be scheduled through a central scheduling number. The second time you called it was to cancel.

  We regret that you had a challenging experience, and naturally,we feel upset when we hear that a member is unhappy. However, we feel that we provided you with all the proper information and there is no refund due.   If you have any questions or would like to speak with us, please contact ****** ********* at **********************.  Wishing you all the best.
  
  Sincerely,
  Unified Caring Association

  Customer Answer

  Date: 09/26/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.
  
  

• Initial Complaint

  Date:08/19/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Date of transaction 5/19/2023 I have inquired service on 5/19/2023 A day or two, I called and asked to cancel the policy because I have found an insurance that covers my needs.I thought the customer had cancelled because I had never received an insurance card. 08/19/2024 My husband and I were looking into the statement and found out he was still being charged for a service that was suppose to be cancelled. I called Care Connect to reimburse me all the money that was withdrawn from my husband's account, and the supervisor only approved for the month of August.I asked to speak to a supervisor and explain her the situation. The supervisor asked where the email was. I said all i have is the welcome email and the cancellation of 08/19/2024. It was sent right before speaking to her. The supervisor who I was speaking to hung up the phone.I want to get refunded from May 2023 until July because I only got refunded the month of August.

  

  Business Response

  Date: 08/27/2024

  Dear ****************,
  
  Unified Caring Association (UCA) has received your complaint.  We thank you for giving us the feedback on what transpired. UCA takes every complaint very seriously, and we are doing a full investigation.
  
  We have reviewed your file, and it is recorded that you signed up on May 17th, 2023, on this day you were sent an e-signature document that lists all the benefit information. We send this document so that our potential members are fully aware of the benefits. It is documented that you read and signed this document on May 17th, 2023. The signed document was emailed to you on May 18th, 2023, to the email address that you provided.
  
  However, as a reassurance, we do provide our members with a 30-day look period. If for any reason they are not satisfied, the policy can be cancelled, and a full refund is issued.
  Our records do not indicate that you reached out to us to cancel the plan. It does show the following
  On May 19th, 2023, a member services *** left you a message welcoming you to the plan. In addition, the *** was proactive, and they sent you a dental and vision provider list for your area and a copy of your ID card to your email address on file.  
  On May 22nd, 2023, you signed into your online fulfillment portal. This fulfillment portal has all your plan information (billing information, benefits details, ID cards, provider searches and much more) and you accepted the verification pop-up. On this day you downloaded your ID card.
  On May 24th, 2023, you signed into your online fulfillment and downloaded your ID card.
  On May 29th, 2023, you signed into your online fulfillment and downloaded your ID card.
  On Jun 03rd, 2023, you signed into your online fulfillment and downloaded your ID card.
  On Jun 05th, 2023, you signed into your online fulfillment and downloaded your ID card.
  On Sep 07th, 2023, you signed into your online fulfillment and downloaded your ID card.
  On Sep 12th, 2023, a provider called to get benefits, unfortunately the provider was unable to provide the needed information to verify the member and told us that they would call us back.
  On Oct 04th, 2023, you signed into your online fulfillment and downloaded your ID card.
  On Nov 01st, 2023, you signed into your online fulfillment and downloaded your ID card.
  On Nov 06th, 2023, you signed into your online fulfillment and downloaded your ID card.
  On Jan 22nd, 2024, you signed into your online fulfillment and download your ID card.  
  On Mar 12th, 2024, you signed into your online fulfillment and download your ID card.
  On May 02nd, 2024, you signed into your online fulfillment and download your ID card.
  On Aug 19th, 2024, you called into our member services department requesting to cancel your plan. You refused to give a reason why and demanded that we refund you in full. The member services *** explained that there was no refund due but as a courtesy they would refund you the last payment.  They processed your cancellation and refunded your Aug 2024 payment. During this call you were unsatisfied with the member services ***, and she transferred you to a supervisor.  While speaking to the supervisor you claimed that you canceled your plan in June of 2023 and that you wanted a full refund. You were then informed that we had never received a cancellation request and you had accessed your fulfillment portal numerous times. It is noted that you requested we hold on and the call was disconnected.  Your plan was canceled at this time and as a courtesy we refunded you the last payment as promised.
  
  We regret that you had a challenging experience, and we are always saddened when a member is unhappy with our services. We feel that we provided you with excellent service and that no refund is due.  If you have any questions or would like to speak with us, please contact ******************************* at **********************.  Wishing you all the best.
  
  Sincerely,

  Unified Caring Association. 

• Initial Complaint

  Date:08/15/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  was looking for health insurance for me and my wife and was lead to belive this was health insurance it isnt. it is a scam. my wife went to a clinic and didnt get covered at all and was told no one would accept this. also there is no way to cancel your membership on the app or website. im wanting a full refund for every month me and my wife have been on this scam or i will file a lawsuit.

  

  Business Response

  Date: 08/26/2024

  Dear ****************,

  
  Unified Caring Association (UCA) has received your complaint.  We thank you for giving us the feedback on what transpired. UCA takes every complaint very seriously, and we are doing a full investigation.

  
  We have reviewed your file, and it is recorded that you signed up on April 23rd, 2024. On this day you were sent an e-signature document that lists all the benefit information. We send this document so that our potential members are fully aware of the benefits. It is documented that you read and signed this document on April 23rd, 2024. This signed document was then emailed to you on April 24th, 2024, at the email address you provided.

  
  However, as a reassurance, we do provide our members with a 30-day look period. If for any reason they are not satisfied, the policy can be cancelled, and a full refund is issued.

  
  It is documented that you signed into your online fulfillment on May 3rd, 2024. The online fulfillment provides members with all the information included in your plan such as providers search, billing, benefits, and much more.  When you signed into the online fulfillment a pop-up appears explaining that this is not a major medical plan and that it does not meet the minimum standards. On this day you accepted the pop-up and proceeded with the plan.

  
  These plans are sold by individual licensed agents. The agent documented that you had a qualifying life event (QLE), and that you qualified for a special enrollment period (SEP) and due to this, they also enrolled into a ********** Blue Sheild Plan. We do not service that plan. You would have to contact your agent or the major medical carrier to help you with that plan as we only service the BalanceCare plan.

  
  We regret that you had a challenging experience, but we do feel that we provided you with all the information included in your plan. We also provided you with a 30-days money back guarantee to see if the plan fits your needs. You had access to all the plan details and our contact information is in all our documents.    We received written notice that you wanted to cancel your plan with no specific reason for the cancellation. We processed your cancellation as per your request and sent an email confirmation of the cancellation.

  
  Naturally, we feel upset when we hear that a member is unhappy,but we do not feel that a refund is due. If you have any questions or would like to speak with us, please contact ******************************* at *********************.  Again, please accept our sincere apologies.
  
  Sincerely,

  
  Unified Caring Association

• Initial Complaint

  Date:06/29/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I believed that I was reveiving health insurance from this company, which I had signed up for on July 17th 2023. The policy did not go into effect until 8/1/2023. I was initially charged a fee of $369.95 for the first month of the policy, which was reduced to $269.95 monthly for the remainder of the policy. I initially purchased this policy, because I was lied to over the phone, by an insurance agent who was impersonating a government employee, claiming to work for Healthcare.gov. The number that I was called from was **************; My caller ID marked the number as "Healthcare," and the agent, *************************, identified himself as a government employee. I had just filled out an application on Healthcare.gov, as I was previously uninsured and looking for insurance, so I believed him. As I have recently discovered, the policy which I have is not, in fact, legally considered insurance in compliance with the minimum standards of the ************** Act. I have enrolled in a new policy with a different company, but have not been able to contact anyone from UCA regarding cancelling the current policy, despite sending emails and attempting to call the listed help line number. I will soon be charged for another month of "service." Considering the fact that I was lied to over the phone, and that the agent had impersonated a government employee in order to deceive me, I would like to be refunded for what I have paid towards the policy, which I purchaed under false pretenses because of blatant deception, as well as not be charged in the future due to me wanting to cancel the policy.

  

  Business Response

  Date: 07/09/2024

  Dear ****************,

  Unified Caring Association (UCA) has received your complaint.  We thank you for giving us the feedback on what transpired. UCA takes every complaint very seriously, and we are doing a full investigation.

  We have reviewed your file, and it is recorded that you signed up on 07/17/2023 through your individually licensed agent.  On this day you were sent an e-signature document that lists all the benefit information. We send this document so that our potential members are fully aware of the benefits. It is documented that you read and signed this document on 07/17/2023.  This signed document was emailed to you on 07/18/2023 for your records.

  However, as a reassurance, we do provide our members with a 30-day look period. If for any reason they are not satisfied, the policy can be cancelled, and a full refund is issued. 

  It is documented that on 07/17/2023 the same day that you signed up, you also signed into the online fulfillment portal. This portal provides our members with all the information that is included in your plan.  It provides all the benefits,payment, fulfillment, and certificate information and much more.

  The first time you sign into the online fulfillment portal it gives a pop-up message that states this is not a major medical insurance and that it does not meet the minimum requirements by the *************** Act (ACA). You accepted the pop-up and proceeded with your membership. If you did not want to accept this you could have called us as our phone number is posted on all our materials including the on-line fulfillment portal, the welcome email, the welcome letter that is mailed to you, and on your banking statement.It is also documented that you accessed this online fulfillment portal on 11/27/2023, 06/29/2024 and 07/01/2024.

  On July 1, 2024, it is documented that you called into the member services department and requested to cancel your plan.  You stated the reason you were cancelling was because you were getting coverage through your employer.  We processed your cancellation, you have a paid through date of June 30, 2024, and no further monies have been taken from you.

  Your file also states that on July 17, 2023, the day you were enrolled that you did not qualify for a (ACA) special enrollment period,and you attested to the fact that you had no life changing events in the last 60 days of enrollment.

  At this time, we feel that we provided you with all the proper information and that you are not entitled to a refund. We regret that you had a challenging experience and, if you have any questions or would like to speak with us, please contact ******************************* at *********************.  We wish you all the best.

  
  Sincerely,
  Unified Caring Association