- Report: #1416352
Complaint Review: Multiplan Insurance - Mount Shasta California
Reported By:
Mary -
Gulf Hammock, Florida, United States
Submitted:
Updated:
-
Author Confirmed
Why?
Multiplan Insurance
404 N Mt Shasta Blvd Mount Shasta, 96067 California, United States
Phone:
888-633-5085
Web:
https://www.unifiedcaring.org/
Categories:
Business Rating:
(0)
Tell us has your experience with this business or person been good?
Multiplan Insurance Unified Caring Association Perennial Care My Essential Lab & Wellness Plan Sold me "health insurance" Mount Shasta California
Received a call from an agent claiming to be part of the Affordable Health Network Marketplace. The agent was very pleasant, seemed to be informed and above board. Was sympathic that our health insurance premiums were increasing again and after a few brief questions explained that since were are an "older couple" (63 & 62) we should look for a plan that didn't cover maternity, mental health or addiction services since we were unlikely to need them. Seemed reasonable.
Even though there were some red flags I still believed what he was telling me. I am not an uneducated person. I took detailed notes of everything he TOLD me. I failed to notice what he was NOT telling me.
What he was NOT telling me is that Multiplan/Perennial Care is NOT health insurance. He asked me the names of some of our current doctors and verified that all of them accept Multiplan as does the University of Florida Health System which we would most likely be using. He stated that the coverage was comparable to BC/BS, Aetna etc and implied that it was underwritten or affiliated with Chubb Insurance.
Zero deductibles he assured me and that any pre-existing conditions would not be problematic.
Montly premiums, including coverage for RX, vision, dental and "health" would total about $400 monthly. A savings of approximately $400 a month for us.
The agent even gave me his direct number and extension if I had any questions or needed anything. He did tell me that the coverage would be effective Jan. 1, 2018 and I could cancel with a COMPLETE Refund prior to Dec. 15, 2017. This transaction occurred on November 28, 2017.
Since then I have done some research - and consulted with my attorney - and realize I have been scammed. Not sure what Perennial Care actually does, if anything.
Today I contacted their Customer Service Department and cancelled everything. The representative on the phone was polite and provided cancellation confirmation numbers etc. I have been promised a FULL REFUND from Perennial Care, but only a partial refund from My Essential Lab & Wellness. In the tiny print on their correspondence it states that admin/registation fees will not be refunded. I am out several hundred dollars but consider myself lucky. I also am sending certified letters to the companies (somehow Perennial Care and Essential Lab & Wellness are related, but separate).
We are staying with BC/BS.
My advice is, don't believe what you hear. Don't feel like you must sign up and pay on the spot.
I don't think they are part of the Affordable Health Care Marketplace at all and what they sell does not qualify as Minimal Essential Coverage under federal law. People who buy will still be fined for not having health insurance.
Hang up on them.
1 Updates & Rebuttals
Regina
New York,United States
I would like to help you.
#2UPDATE Employee
Mon, February 19, 2018
Dear Mary,
Unified Caring Association (UCA) is dedicated to total client satisfaction and we deeply regret that you do not feel that you received the appropriate service. Feeling good about what you purchased is our highest priority and we apologize that this has not been achieved. We strive to exceed expectations with our customers. As a policy and in practice, The UCA is committed to addressing and resolving all issues.
For your understanding, association memberships are sold by independent licensed agents. Memberships contain various consumer savings benefits including both insurance and non-insurance benefits. Members are emailed a fulfillment email outlining the log on process to view their membership materials immediately upon joining the association. Association members have a 30-day cancellation period during which members may call and cancel and receive a full refund. It sounds like you purchased additional items from your agent that are not associated with our membership. We do not handle the prescription, dental or wellness Items that you are referring to. If you would contact us we would like to help you.
Once again, we are disappointed that you were not content with the membership benefits that you purchased. Please contact customer service at (855)556-5053, so that we can assist you in this matter and hopefully find the perfect solution.
Sincerely,
Regina Schreiner
Compliance and Customer Coordinator
