Unified Life Insurance-NCE. Representative said his name was Justin Justin-Representative , Online Bills say Totally Misrepresented themselves and the Insurance Company. Told me that this or "my" Plan would have a PCP and a Specialist Copayment, It was NOT a Discounted RX Plan but a 3 Tiered Plan with $10, 00, $20.00 and $50.00 Copays. Overland Park, Kansas 66225-5326, and Boca Raton, Florida Internet
I spoke with a Representative named Justin several times regarding this Insurance Coverage. He explained the Entire policy to me, as I was asking all types of questions as to what is and is not covered. He told me that Everything I asked about was covered.....Allergy shots and serums, Allergy testing, Pre-Existing was covered, I would have no DED and my PCP Copay and I would have a Specialist Copay. I explained I had been "taken and lied to before regarding Health Insurance", he Insisted this was an Excellent Plan and he even had a Form of the same insurance. The RX Plan was a Copay system and NOT a Discount Plan. Well, then I had a 30 Day waiting period, so afterwards I went to the Doctor. I then received bills from the Lab to the Office Visit ranging from $150.00 to over $500.00!!! I was and AM Furious. I called Customer Service and they told me that NOTHING Justin had told me about the Insurance Policy was Accurate. I have a Deductible and a Discount Pharmacy Program which pays Nothing! I take Several Medications and am a Diabetic. The Insurance rep had Lied to me about Everything! I have worked in Health Insurance and HealthCare for over 35 years so I Know what questions to ask. There was Nothing that I Misunderstood! I was Lied to and Ripped off and then Unified told me it was too late to do anything about it OR to get my money back.