Bedford Muffler and Brake Center

We at Unified Caring Association (UCA) want our members to be satisfied with their membershipMs [redacted] purchased a Perennial Care Plus membership in the Unified Caring Association on July 7, These association memberships contain an array of consumer savings benefits including insurance and non-insurance benefits and are sold by independent licensed agentsOccasionally these independent agents sell additional productsThis appears to be the caseThe telephone numbers referenced in Ms [redacted] ’s correspondence are not UCA’s customer serviceIn addition, Ms [redacted] ’s membership fee is not amount indicatedWe regret that Ms [redacted] had a less than positive experience and are investigating her situationWe have canceled Ms [redacted] ’s membership and have refunded the amount paid for her membership

I am rejecting this response because: I did purchase a "Membership" from them, after their agent sold it to me as if it was going to be complete medial coverage, not just a discount services for things I am not even interested in purchasingThe misrepresentation from their agent is what I am livid about.I did download the brochure available online and read it in its entiretyI did find it odd my benefits were not clearly explained like I thought they would (co-pays, deductible, medications, etc.) but did not think twice about it due to what the agent (***) told me and how he presented the policy (or what I thought was a policy) to me.I am still asking for a refund, for the misrepresentation of the product that was being sold to me and also for the risks that I incurred going about my life without health insurance coverage because of being misledI have already had people call me asking me my opinion about this companyBe it known they are not customers of UCA at the moment and I will keep on being an advocate against this business until the problem is solvedIt can cost them a lot more than a single member refund, if they are not smart about it.Thank you for addressing my request [redacted]

Mr [redacted] purchased a Universal Health One Membership in the Unified Caring Association on January20, These memberships are sold by independent licensed agents.During the enrollment process, members are informed that the membership does not meet ACA requirements, in addition, in Mr [redacted] 's brochure, it states that the membership does not meet ACA requirementsRecords indicate that Mr [redacted] downloaded his brochure from his portal on January 21, Members are given a cancellation period after enrollment, during which they may cancel their membership and receive a refund Mr [redacted] did not cancel within this day cancellation periodWe are disappointed that Mr [redacted] was not satisfied with his membership, however a refund at this time is not possible.Thank you for your patience,

Dear Ms [redacted] , Mr [redacted] purchased a membership in the Unified Caring Association on November 21, with an effective date of January 1, These memberships are sold by independent licensed agents and contain array of consumer savings benefits, including some insurance benefitsMr [redacted] canceled his membership on November 22, and was refunded in full Please let me know if there is anything else that I can do to help in this matterSincerely, [redacted]

Dear Mr [redacted] , Ms [redacted] was refunded in fullI did try and reach out to the member today to assure her that her refund was processedI left her a message The check has been Processed and put in the mailMs [redacted] should have the check within to daysPlease let me know if you have any additional questionsSincerely, [redacted]

I am rejecting this response because: once I receive the check, I’ll accept their response

Dear Mr***,Ms*** purchased a Perennial Care membership in the Unified Caring AssociationThese memberships are sold by independent licensed agentsOften times, the independent licensed agent sells members additional insurance productThis was the case with Ms***In
researching Ms***’s situation, it was determined that Ms*** contacted the incorrect party to cancel her membershipAs a courtesy to Ms***, we are refunding her in full as requested.Please let me know if you have any questions.Sincerely,*** ***

I am rejecting this response because:We were only given a partial refund. We only got refunded but our purchase price was

Dear Ms***, Mr*** purchased a membership in the Unified Caring AssociationThese memberships contain an array of consumer savings benefits, including some insurance productsDuring the enrollment process member are informed that the insurance products included in the association
membership are not major medical and do not qualify as affordable health plans Memberships are sold by independent licensed agentsOften these agents sell additional products to membersThat was the case with Mr***Records indicate that Mr*** was refunded in full for his association membership, including the enrollment feeFurther, we have reached out to the agent and have confirmed that Mr*** was also refunded for the additional product he purchased from the agent. Please let me know if you need any further information Sincerely, *** ***

Revdex.com:
I have reviewed the response made by the business in reference to my concern

I am rejecting this response because:they did not refund me in fullThey only refunded two months worth of insuranceThey said they were only willing to refund two months “as a courtesy”I never talked to *** when I set the insurance upI called the third party to set up the insurance and cancel the insuranceThe “third party” told me I didn’t need to do anything else and after I saw they were still charging me, I called the third party and they supplied me with documentation verifying that I canceled the poll cy in FebruaryPlease let me know if any further information is needed

I am rejecting this response because: I did purchase a "Membership" from them, after their agent sold it to me as if it was going to be complete medial coverage, not just a discount services for things I am not even interested in purchasing. The misrepresentation from their agent is what I am livid about.I did download the brochure available online and read it in its entirety. I did find it odd my benefits were not clearly explained like I thought they would (co-pays, deductible, medications, etc.) but did not think twice about it due to what the agent ([redacted]) told me and how he presented the policy (or what I thought was a policy) to me.I am still asking for a refund, for the misrepresentation of the product that was being sold to me and also for the risks that I incurred going about my life without health insurance coverage because of being misled. I have already had 3 people call me asking me my opinion about this company. Be it known they are not customers of UCA at the moment and I will keep on being an advocate against this business until the problem is solved. It can cost them a lot more than a single member refund, if they are not smart about it.Thank you for addressing my request. [redacted]

Dear [redacted]We are disappointed that Mr. [redacted] was not satisfied with our response. As stated previously, association memberships are sold by independent licensed agents. Mr. [redacted] was informed of the cancellation policy both during the enrollment verification and again in the brochure he downloaded. Records indicate that Mr. [redacted] did not call Customer Service to discuss what he thought her purchased. Rather, he continued his association membership and even called to discuss adding his wife to the association membership.I have attached the members benefit brochure and I also attached the cancellation snapshot for you. the cancellation information is on page 10 under terms & conditions # 3.

Hello [redacted],I wanted to let you know that we received the complaint from [redacted], submission ID: [redacted].  We appreciate you bringing this to our attention and will be investigating next steps to resolve any dispute.  At Unified Caring Association, we want all our members to be...

satisfied with their products.  We work very hard to ensure that all steps are taken to remedy any issues.I wanted to acknowledge that we are in receipt of the complaint.Thank you again for your letter and we should be in touch soon.Kindest regards,[redacted]

Dear Mr. [redacted], Ms. [redacted] was refunded in full. I did try and reach out to the member today to assure her that her refund was processed. I left her a message.  The check has been Processed and put in the mail. Ms. [redacted] should have the check within 7 to 10 days. Please let me know if you have any additional questions. Sincerely, [redacted]

Dear Ms. [redacted],Mr. [redacted] purchased a UCA association membership. These memberships are sold by independent licensed agents and provide an array of consumer savings, including various insurance and non-insurance related components to its members. A copy of the brochure and welcome letter are...

submitted. It indicates in the brochure and on the welcome letter that the memberships are not major medical and do not meet Affordable Care Act requirements.  In addition, during our enrollment process the new member must state that he or she understands the policy bought is not a major medical plan nor does it comply with ACA guidelines as a Minimum Essential Coverage plan.  We do give our members a 30 day free look period to look over the membership and cancel within that 30 days to get a full refund.Mr. [redacted] also signed into his online fulfillment several times. On 06/08/2016 Mr. [redacted] did accept a verification pop up that states the following – Insurance included in the UCA membership is not Major Medical or Comprehensive Health coverage and is neither Minimum Essential Coverage under the federal Affordable Care Act (ACA) or Worker’s Compensation insurance under state law.  If you do not have Minimum Essential Coverage, you may be required (under federal law) to pay an additional fee with your taxes.  The insurance benefits are limited including certain waiting periods before coverage of sicknesses or pre-existing medical conditions is available. (Please see your enrollment guide for details)If you have any questions or concerns please feel free to call 877-xxx-xxxx (Monday – Friday 9am to 7pm EST) or email [email protected] to speak with a representative from the Member Services Department. The voice recorded enrollment indicates that Mr. [redacted] was informed that the insurance benefits contained in his association membership were not major medical and did not meet Affordable Care Act requirements and he stated that he understood this verbally upon his enrollment April 13th, 2016 and then again online upon signing in 06/08/2016.Please let me know if you have any further questions.Sincerely,[redacted]

We at Unified Caring Association (UCA) want our members to be satisfied with their membership. Ms. [redacted] purchased a Perennial Care Plus membership in the Unified Caring Association on July 7, 2017. These association memberships contain an array of consumer savings benefits including insurance and non-insurance benefits and are sold by independent licensed agents. Occasionally these independent agents sell additional products. This appears to be the case. The telephone numbers referenced in Ms. [redacted]’s correspondence are not UCA’s customer service. In addition, Ms. [redacted]’s membership fee is not amount indicated. We regret that Ms. [redacted] had a less than positive experience and are investigating her situation. We have canceled Ms. [redacted]’s membership and have refunded the amount paid for her membership.

Dear [redacted], Thank you and your team for alerting us to Complaint ID: 11981964, [redacted]. As promised to you in prior conversations, we want to ensure our members are happy and satisfied with what products and services are purchased and we are here to resolve what we can to support...

positive outcomes. As follows is a summary of resolutions in regards to Ms. [redacted] complaint: ? This member signed up for the membership on 02/01/2017 and was to become effective on 02/02/2017. ? Member called into our customer care and canceled the membership on 02/02/2017 and member was canceled and refunded in full from us. Member was charged $537.90 from us and was refunded $537.90 from us. Please let me know if I can be of further assistance to you and thank you for your consideration. Kindest regards,  [redacted] PresidentUnified Caring Association

Dear Ms. [redacted], Mr. [redacted] purchased a membership in the Unified Caring Association on November 21, 2016 with an effective date of January 1, 2017. These memberships are sold by independent licensed agents and contain array of consumer savings benefits, including some insurance benefits. Mr....

[redacted] canceled his membership on November 22, 2016 and was refunded in full.  Please let me know if there is anything else that I can do to help in this matter. Sincerely, [redacted]

Mr. [redacted] purchased a Universal Health One Membership  in the Unified Caring Association on January20, 2015. These memberships are sold by independent licensed agents.During the enrollment process, members are informed that the membership does not meet ACA requirements, in addition, in Mr....

[redacted]'s brochure, it states that the membership does not meet ACA requirements. Records indicate that Mr. [redacted] downloaded his brochure from his portal on January 21, 2015. Members are given a 30 cancellation period after enrollment, during which they may cancel their membership and receive a refund.  Mr. [redacted] did not cancel within this 30 day cancellation period. We are disappointed that Mr. [redacted] was not satisfied with his membership, however a refund at this time is not possible.Thank you for your patience,