This company is scam! They are not licensed to sell insurance in any of the 50 states, which includes California. United States Contractors Trust or USCT's founders/affiliates have operated many previous companies, under a multitude of names/owners all just as unreputable as USCT. Companies such as American Trade Association (ATA), Smart Data Solutions, Serve America Assurance Companies, National Business Leaders of America (NABL).

Last year, I completed a short questionnaire on www.eheatlhinsurance.com. I had several companies and insurance brokers call me to discuss my health insurance needs. I originally went with Blue Shield of California. Within a few weeks after applying with BS I was declined due to a pre-existing medical condition. A woman named Kimberly called me from an 817 number (Dallas Area). She and I spoke multiple times regarding USCT and their "health insurance plans". She also informed me that USCT at that time had a open enrollment for individuals with pre-existing medical conditions. So, after ensuring that I was going to get the Premier plan which was equivalent to a PPO, I went through the phone application process. At the end of that call I provided my credit card which was to be used to pay my enrollment fees, first months payment but to be billed each month thereafter. Within a week, I received my welcome packet in the mail; complete with my insurance cards.

Little did I know until this week, that USCT is not only a scam but they have never paid one doctor or hospital bill! I have called USCT many times now as well as Benefit Plan Administrators in the San Diego, CA area. Benefit Plan Administrators which is in bed with USCT is the party who is DIRECTLY responsible for making the credit card authorizations/charges to our credit cards each month. They can be reached at 1-858-755-9700. Good luck if you attempt to call this number to ask for a refund; Jean will just hang up on you. If you tell her you are going to complain to your states Insurance Commissioner or Attorney General; well in her words "go ahead; call them".

I since have called each and every doctor and hospital that I have been seen at since becoming a plan member of USCT. It was not shocking the more calls I made to hear the billing departments of each facility echo the same statements:

"They told me I had the wrong address/fax"
"They said they didn't receive the claim"
"They said they were months behind in processing the claims; call back in a month"
"We now hired a new processing company; we are behind; call back later"

After 10 months, the excuses really have not changed nor has anyone to date received payment.

I called USCT Member Services (800-200-8680. Whether I spoke with Sheena, Kaitlin or Bobby Roundtree who is supposed to be the Customer Service Manager they tell me they cannot give me the contact information to the claims department. All they know is it's a "disaster". Apparently, their excuse is USCT bought out NABL. NABL's claims were never paid so now they are going through boxes and boxes of claims. They have to pay these before they can pay the claims of USCT members.

I guess the fact that we have been allowing them to charge our payments we aren't supposed to hold them accountable for providing the services that they promised. At some point the doctor's offices do not see it as their burden to continue to try to collect from a insurance company after they are clearly being given the run around and after "x" amount of time has elapsed. It becomes the responsibility of us the patient to make the payment on these delinquent claims or face collection.


In this economy, I find it quite alarming that these people (and there are quite a few of them) have such ego's that they don't think for one minute there will be any penalties for defrauding hundreds of people across America. Health insurance is at the forefront of public concerns. It's one of the largest problems facing American's these days. President Obama ran on the platform of health care for all. I may not agree with the President on everything but I don't believe any citizen has the right to be defrauded especially when you are paying for it.

USCT, RBA, ATA, NABL are all massive, multi-state health insurance fraud schemes, being orchestrated in large part from South Carolina, in which limited benefit medical plans backed by nonexistent insurance are being sold to unsuspecting consumers through associations (per State of South Carolina - SCDOI File NO. 06-0795). South Carolina and Tennessee are taking them on with vigor. We now need to stand up, tell our stories, and work with our respective states Attorney General's Offices, State Insurance Commissioner’s Office and Insurance Fraud Departments as well as the FBI.

If you were alarmed to find out that you had been monetarily taken without any payments being made to your doctor's or hospitals, then you may be further alarmed to learn the following:


*21 States have Cease & Desist Orders against USCT and/or their "former" affiliate member groups, companies or founders (as of 6/2010). Did you know that at one point these companies and potentially our money was linked to Beema-Pakistan Company Limited (Beema) which is located in Karachi, Pakistan?

*These parties sold, solicited and negotiated insurance without a license.

*Multiple states have taken regulatory disciplinary action against these companies/individuals (NC, OH, CT, MT, & IN just to name a few).

*Multiple states have active investigations into these companies/individuals.

*As of 5/2010 Davidson County, Tennessee Chancery Court issued an Order of Liquidation of ATA, Smart Data Solutions & Serve America Assurance companies for conducting unauthorized insurance company business.

*It was estimated that at least 12, 400 individuals purchased ATA policies and paid at least $14 million in premiums-perhaps as much as $100 million was collected (Families USA Special Report 2010)

*In a meeting with an investigator for the Indiana Department of Insurance, an ATA officer admitted that the company’s medical benefits did not have an underwriter and that ATA’s ability to pay outstanding claims was unclear (Families USA Special Report 2010)

*12/29/2010 – Worth accused of wire fraud, insurance theft. At the center of the FBI probe are more than $3.5 million in medical premiums collected by Worthy (Insurance New Net).

*Worthy was identified by the Department of Insurance this year as the central figure in an alleged medical insurance fraud. The agency issued an emergency order in May to halt the alleged sales of fake health policies that triggered at least 419 million in unpaid claims around the country. (Insurance New Net/12/29/10).


I will not sit idle and remain quiet while Mr. Worthy, Mr. Katz and others related to this Nationwide scam continue to take us for thousands upon thousands of dollars when they never intended to deliver on their promised service of health care coverage. I have the letters that USCT sent. I know what was said to me and what I have from them in writing. They clearly have not delivered nor do I believe that they have ever had any intentions of paying this medical claims. I heard someone say recently that they complained so much that NABL/USCT finally made some payments. The person was actually relieved to know their doctor's office was finally going to get paid. I don't know why it should come as a shock to later find out the check bounced. Shocking!

Since it’s clearly illegal what these individuals and associations/companies are doing; it seems simple we need criminal prosecution. Further, we would like a refund of the premiums we have paid into this scan and/or payment in full or our medical bills. I want to encourage everyone who has experienced the same hardships caused by these companies to not only make complaints to these companies, billing services but also to your State Insurance Commissioner, Department of Managed Care, Insurance Fraud Departments, Attorney General’s Office as well as your regional FBI offices. You may be surprised to find out you are not alone. The more of us who speak up the more action will be taken.

If anyone needs help, I can connect you with the right personnel and departments. I have one state and attorney's office that is seeking any marketing materials that USCT/NABL/ATA or whatever else they may have been sent via USPS or via email.

I know I am not alone.