United Benefits Of America
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Category: Lifestyle
Contact Information 24288 Pingree Ave., Warren, Michigan, United States
Phone number: 586-872-9872
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United Benefits Of America Reviews
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Linw
July 22, 2009
inquiry into this company
I just wanted to ask dee if she could contact me regarding this company. They called me after my inquiry into looking for insurance and the lady was very nice but...I dont like what I see on the complaint side of this company and before I give them any money, I want to know about other peoples experiences with them. My email address is [email protected]. Anyone who wants to contact me about this company good or bad, please do so. Thankyou. My name is Linda
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Linda Musick
June 25, 2009
Phone Scam and Fraud
SCAM ALERT !!! - UNTED BENEFITS OF AMERICA
I was contacted by an "insurance broker" after filling out an online health insurance questionnaire. He told me of a plan that was specifically geared towards people who were unable to find health insurance coverage because of pre-existing conditions. After detailing the plan to me ($10/ $30 doctors office co-pays, no deductable, etc.) I exclaimed to him that it sounded too good to be true. He laughed and said "that's what everybody says". When I told him I was interested in signing up he asked for my SSN and my checking account information. I told him I was uncomfortable giving him this information (but like the trusting fool that I am) I went ahead and gave it to him. He then proceeded to record me agreeing to the "terms and conditions" of the plan that he detailed. The first months premium and a non-refundable sign up fee would be directly deducted from my checking account. I was informed that I could cancel at any time. After some thinking and some online searching I began having second doubts about the plan. I called up the "broker" the next day and asked some further questions. He emphatically assured me that this was not a discount program and that I was being enrolled in a full medical insurance plan.
Needless to say, 7 days later when the booklet and explanation of benefits arrived, I knew I had been taken. There were no medical benefits other than a prescription discount card, a program that was supposed to make it easier to apply for a medical line of credit and some discounts on wellness care. There were also theme park discounts, road-side assistance discounts and some other trash. I got on the phone immediately with them and asked them to cancel the plan and process a refund. I told them that the plan contents were misrepresented and that I expected a refund of all moneys. They gave me no argument.
After 6 weeks of phone calls a refund check for the full amount arrived by mail. I deposited the check into my new checking account (I had closed the old one at my banker's urging). I was happy but somehow knew that the trouble was not behind me. Lo and behold, on checking my account balance, I find that the check has either bounced or they have stopped payment on it. I will find out in the morning as their offices are closed. I would have been happy putting this behind me as a poor decision, but now the gloves are going to come off.
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onelegace
February 12, 2009
misrepresentation
I spoke to a sweet talking woman named Amy Tucker who misrepresented to me that I was going to get health Insurance through United States Fire Insurance Company and that my doctor was in the network and would take this plan, today the doctor tells me they DO NOT ACCEPT THIS INSURANCE, this woman asked for my bank account info and was going to draft the sum of 463.00+ from my bank account today, and after many calls to this company I spoke to someone who said that this draft would not be taken from my account today... IT APPEARS THAT THIS COMPANY IS A FRAUD such as MADOFF, I can not understand why they get away with these things and ripping people off as they do. I wish they would contact me over this complaint or their attorney because maybe we the consumer need to take them into court to have them pay back all the fraudulent wealth they accumulated. DO NOT PURCHASE ANYTHING FROM THESE PEOPLE, as a up and up health insurance provider would send the info first. I will also be filing a complaint with the State Insurance Division here in Virginia.. Now I wait to see if they take any monies from my bank account...
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Murlok
December 16, 2008
Unauthorized billing
United Benefits will cheat you so beware. I recently signed up for coverage with Health Benefits of America and received a confirmation letter with total up front costs charged way above original agreements made over the phone.
None of the charged amounts even came close to what was agreed upon originally and there were new 'initial payment' costs added in to the health plan paperwork that were never agreed upon but were charged to my bank account that were in the hundreds of dollars.
The next discrepancy that was noted is one of actual coverage available to the insured, which does not live up to the original plan that was discussed over the phone. In fact, they will lead you to believe that you are receiving health insurance benefits when in reality what you are receiving is a discount program which has little to no benefit for those that are currently living with pre-existing illness.
Beware of the coverage for pharmaceuticals as well, because you will be steered wrong. As in my case, the prescriptions that I take I was told would be covered under the health plan that I signed up for, but was later informed that they would not. Here is the kicker...I was then informed of a separate pharmaceutical plan of coverage that would cover my medications, for a separate fee of course, that was also accompanied by a start up fee of a $150 dollars plus a monthly fee of $50.
I later found out through my doctor that I could receive these meds directly through the manufacturer for nearly no cost to me with just a little paperwork. They informed me that they see this quite often and that these companies pray upon the uninsured by miss-leading them through fancy adds and quick talking sales people.
Once I confronted the provider about the issues at hand, they informed me that the start up fees were a one time cost and were non refundable even if I canceled the coverage before it took effect. 'There was nothing I could do about the start up fee's', so they tell me.
I have since filed a dispute through my financial institution and are searching for other options that would assist me in my dispute. At this point all I can say is beware of these health coverage predators.
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November 24, 2008
not emailing my information and also taking me bank account info and social security
They asked for my bank account information and also my social security. Why do they need to know that?
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November 14, 2008
bank accoune number
I spoke with a very sweet girl who called me promptly after filling out a form on line in reference to seeking health insurance. She told me about a plan that is HALF the price of what I'm paying now, with ALL my current benefits, and they accept my preexisting condition to boot. However, they wanted me to pay a fee up front that switched from $319.00 to $369.00 (and everywhere in between). It seemed like they were coming up with the numbers as we spoke! The plan sounds too good to be true! They offered me a 30-day trial period to "get prescriptions and have my teeth cleaned" and if I didn't like it, I could contact the
Better Buisness Bureau and request my money back. Does that mean they keep all the money from those who reject their insurance plan, and someone else refunds their money? What kind of scam is this? The "manager" told me they have millions of customers with a 95% retaining rate, but all I've read about them online has been horrible! Please tell me what these people are tuly all about! In my experience, if something's too good to be true, it probably is!!!
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