- Report: #565731
Complaint Review: NUFIC Dept. SD - New York New York
Reported By:
John -
Irvine, California, United States of America
Submitted:
Updated:
-
Author Not Confirmed
Why?
NUFIC Dept. SD
70 Pine Street New York, 10005 New York, United States of America
Phone:
1-866-722-6697
Web:
Categories:
Business Rating:
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NUFIC Dept. SD $39.95/month charnged for bogus "insurance" I SPECIFICALLY CANCELLED BY PHONE...finally looked at checking acct statement New York, New York
Lost my job and benefits end of June 2009. Decided to take advantage of the "free" time during summer since my wife had already lost her job, and take our two young kids on a road trip through the Southwest in September, before they headed back to school. The tiny company I had worked for had good insurance but as COBRA it was far too expensive, so we found a barebones catastrophic health insurance policy from NUFIC we could afford on unemployment (they called themselves "Essential Health" in the material we saw but the policy was issued by NUFIC).
We bought the policy on July 31 before we left. Essential Health said we would get a copy of the policy in the mail and by e-mail, and could cancel any time we wanted. We never saw a policy.
Called Sept. 5 to ask about it and the customer service rep. promised again to mail it to our home. Not only did we not receive anything about the policy before we left, we've never received any policy info in the mail or via e-mail from them at all, and it's been six months. But that didn't stop them from taking our money.
By September we were thinking, if they can't even get us the policy, what are the chances they'll be worth anything if we have to make a claim? So we called to cancel on Sept. 20. From then until now (early February) we've been going hard at it to find jobs and haven't spent much time going over our bank statements. Today my wife noticed we were STILL PAYING Essential Health $39.95/month for the worthless policy we canceled over four months ago.
Why is it worthless? Because it only covers "accidents". On our trip my son had a painful infection in his gum from some meat he didn't get out of his teeth. We paid 100% of the cost because it wasn't an "accident."
Interestingly enough, the website says NUFIC is an AIG policy. So not only are they ripping us off by our paying them for non-insurance, they're also taking EVERYONE's tax dollars to get "bailed out" of the Great Recession. Great system they've got, isn't it?
2 Updates & Rebuttals
JH
Irvine,California,
United States of America
response to request for information
#2Author of original report
Fri, October 22, 2010
Chrissay -
In the end I did get a full refund. I followed the Ripoff Report advice to get to a supv. on the phone (after having to deal with a done of b.s. from their front line phone contact). From the supv. I got the name and address of the president of the company. That's who I wrote the letter to, and copied the state Consumer Protection agency (not the correct name but close) I found on the state website (California for me). For good measure I also copied it to the local paper's letters to the editor e-mail. My letter summarized the facts about how we had signed up but then requested cancellation over the phone but they ignored it, and we only found out a few months later after spotting the monthly amount still coming out of checking. I added the (true) sad part of our story too about job loss, daughter w/ disability, etc.
All I can say is be persistent, stick to your story and get the name/address of someone way up high in the company. (I don't have that info anymore or I'd give it to you). Good luck.
HR
Chrissay
United States of AmericaUpdate Please ?
#3REBUTTAL Owner of company
Fri, October 22, 2010
Hello,
I just "enrolled" with this same group today (that's the only way I'd even see the policy) and I did so over the phone. They had caught me at a vulnerable moment because people had been telling me I should have some kind of health insurance.
They said they were affiliated with my bank and seemed quite content that they had all the account info they needed.
After doing that I looked them up and there seems no end to the complaints, particularly the type you had.
I wonder if you could tell me how this was resolved for you.
