United American Insurance Dishonest Scammers rude customer service deny payments and violate their own contracts Plano Texas
United American Insurance Co. is the biggest scam going. They use dishonest sales personnel, and they are trained that way.
Don't let the rebuttals defending the company fool you. The executives and managers are told to monitor this site, and receive " brownie points" and are promised promotions for writing rebuttals.
The salesman totally misrepresented this policy as Major Medical. Fortunately I did read the contract, and knew exactly what I was buying. The saleman also included these worthless Heartland discount cards, which he said were widely accepted. I could not find one person who accepted these.
The problem lies in that I went to the doctor for a routine check up. This cost over $300.00, in which UA was going to pay $50.00 toward. Again, I knew this was the deal. Months later, I get a letter stating that they will not pay their measely $50.00 becuase they " suspect " it is a pre-exhisting condition.
I am unaware how a routine physical is a pre-exhisting condition. The doctor did nothing other than give me an EKG, and complete physical. Their reasoning is there must have been a pre-exhisting condition for me to go to the doctors, cause my blood pressure was a little high.
So, I pay them $500.00 that month, pay the doctor $260.00, and they don't even want to pay their $50.00. So, my medical so called " insurance" cost me over $800.00 to have one doctor's visit.
Some insurance, huh? I could have insured myself.
Next problem is rude customer service. The woman on the phone acted as if I was bothering her, and when I pointed out the contract terms, and how they were clearly violating it, she hung up on me because I would not accept her explanation. Is this who you want handling your medical problems?
Needless to say, I cancelled and stopped paying immediately. I know insure myself and put my $500.00 per month in the bank as a medical savings account. This works great, considering UA's lousy limits on what they cover, even for operations. I can easily save in about six months, and still be ahead of the game.
No doubt, some moron claiming to be a customer or super great ethical salesperson will write in how they NEVER EVER would misrepresent the policy, and how you must read the policy in full, and they love the company. These people are the managers that are told to monitor and write in.
I proved that they are dishonest and violate their own terms. They then hang up on you when you prove that you are right. Why else would they have so many reports against them? When numerous people say the same thing, it is more than likely true.
Tom
MIAMI, Florida
U.S.A.
7 Updates & Rebuttals
Jim Mitchell
Hugo,Oklahoma,
U.S.A.
shame on you!
#8UPDATE EX-employee responds
Fri, December 12, 2008
First off i most of the agent comments to be purely B.S. If his was the only complaint on here you might be able to defend the company but you can't.
i worked for UA under a marketing director out of texas selling the exact set up this client is describing. it is pure garbage for anyone insurable, if you dispute this you should surrender your license. i beat this program weekly with fullblown major med plans and please don't try to give me the merits of this plan for healthy people there are none.
example: last week i replaced a plan in bohnam Tx for the same money i gave her and her daughter major med ,critacal illness, accident and life and saved her $30 a month. this major med had unlimited copays to dr. and urgentcare plus Rx copays.
oh and don't give me the"well UA has a 500 deductable garbage"
when i was trained i was sold a pipe dream, it will do this, it will do that, all lies.
this plan is a horribly limited plan and if you are an agent selling this to healthy people you should be ashamed.
to the client, you said you knew what you bought? if you did why did you buy it?
i feel sorry for people who don't read there policies,take the agents word for everything. in your case i don't have to much sympathy for you, you were fairly well informed and still kept it.
i challenge any agent to a dollar for dollar comparison on products, hint you'll lose!
to anyone reading this with the intent to buy, buyer beware!
i will be replacing a UA policey monday, just got the call! same money major med!
these people were aproved 3 months ago still havent gotten a policy.funny thing you look at UA's website ther eis no contact phone number?
Fantastic22
MCKINNEY,Texas,
U.S.A.
haaa
#8UPDATE Employee
Fri, September 26, 2008
Ok first of all...In regards to your statement stating we are offered promotions and what-not for writing a rebuttal??? Thats bull. I am doing this on my own time and no they don't know about it.
Secondly, if you have any problems with customer service please call back and demand a supervisor. They do not tolerate rudeness and they do monitor phone calls. But they can't monitor all of them. If an issue arises where a CSR is being rude just complain to their boss. It doesn't hurt you to do it, it actually hurts the CSR. 3 strikes and you are out. I worked in their customer service department for several years and now I am elsewhere in the company. If a customer called and complained about a rep being rude, i would immediately go to my supervisor and report it. The supervisor would then go and pull the call and listen. They strive on their customer service there and do NOT want rude and unprofessional people working there. And also, if you use curse words, the rep will warn you and then hang up on you if you continue to curse. sometimes calls get dropped also. I have had several calls lost because of a system problem or what-not. Not saying that this is what happened, just letting you know.
April0408
Brandon,Mississippi,
U.S.A.
Not a paid responder
#8UPDATE Employee
Sat, July 26, 2008
I do not know anything about your claim personal and I do understand your feeling about the company with what you went though.
I am not in Miami, I am in Mississippi but I do know that there has been some rude people in our company. When I first started with UA the secertay that took calls and claims in our office was very rude and disrespectful. All of the agents knew this and complained to the branch manager, and he replaced her. However, the damage her time with the company did is enormous. We lost long time clients just for her behavior. And that is a true loss to us as agents and our policy holders as clients. We have tried to fix all the claims she did not process along with the ones she processed wrong and we have made corrections where we found errors.
As for agents that mislead... YES there are and like any other business, we get rid of bad employees when we find them the trouble is most ppl cancel policies but never report the agents so sometimes the damage done is enomous before we find it.
For these I am sorry you had to deal with those people for they make us all look bad and that is not the case in this business now other businesses that have had those type of employees come down the line.
As for the pre-existing condition, I do not know your claim or you history so I can no tell you why your claim was deined. However, I do know that an ekg is not part of a routine physical. It is only giving if there is a history or a sign of high blood pressure that is not beening controled, a heart issue, or a stress test is needed.
I have been with UA for only 9 months and I am not in management I am only an agent, but I was looking up information on a company I wanted to do business with and saw a few reports here that caught my eye on UA and I decided to respond. I do not expect that anything I have posted here will make much of a difference but I do hope that you find some thing in what I have said.
Dick Cass
Seminole,Florida,
U.S.A.
State Insurance Regulators
#8Consumer Suggestion
Thu, July 10, 2008
As a licensed agent in Florida, and as on who handled claims in a multitude of states, I believe that the rebuttals contained herein are from some of the most unprofessional sounding agents I have ever read.
If these rebuttals are from licensed agents, they certainly have lowered the bar over the last 15 years or so.
Nevertheless, the writer of the Rip Off report does indicate problems not uncommon enough in our industry.
Moreover, I would suggest that any one who has an insurance problem, from a claim, underwriting or coverage perspective, to contact and file a formal complaint or a request for assistance with that person's State Insurance Regulators.
The following link is the contact information for the each of the 50 State's insurance regulators offices: http://www.consumeraction.gov/insurance.shtml
Justin
Orange Park,Florida,
U.S.A.
Agreement
#8UPDATE Employee
Wed, June 18, 2008
I've got to agree with the guy above me -
I also work for UA and haven't heard of anything like this before.
Understand one very important thing: The Insurance Commissioner for your state (Every state has one) is there for your protection. If an Insurance company is screwing you, the state steps in and the IC takes care of it.
If you feel like you're getting screwed, then get in touch with your states' financial department or your Insurance Commissioner. In your shoes I would do the same.
-Justin
Crisro
Valliant,Oklahoma,
U.S.A.
No response yet?
#8UPDATE Employee
Wed, June 04, 2008
Speaking of brownie points and whatnot, I'm not a manager. I'm a simple agent.
I'm not being paid to monitor this site, however, as an employee I feel that it is my duty to defend the company I work for. Of course, you had your mind made up about that long before I posted and nothing I could say will change it. To be frank, I could care less. I offered my advice as to what you should do if you were correct.
I'd love to know where you got these made up facts about promotions and brownie points, because I'd love to earn some of them. Oh...they don't exist?! What?! *gasp*
I do this in my spare time, I guess I'm the other side of Pad's coin.
Your lack of response tells me two things.
Firstly, that you are in the wrong somewhere, or you would have been much happier to press charges to return your loss of premiums, for your time, etc.
Also, the fact that you are paying that much for the 100k flex (which, by the way, you should just get a major med if you can afford flex) raises questions about pre-existing conditions. $500/mo? For a single supplemental insurance policy?
Crisro
Valliant,Oklahoma,
U.S.A.
File a suit
#8UPDATE Employee
Sat, May 31, 2008
I work for the company in question and I haven't heard of any of this.
That said, if they did violate your policy, you have grounds for legal actions(I'm sure you know that). Both to return your premiums and pay the amount promised. I would advise you do that, I would also like to know how that turns out.