The National Congress of Employers, Inc.

National Congress Of Employers NCE Health insurance underwritten by Unified Life Insurance is a scam intended to defraud the consumer public It is not ACA compliant however this is not disclosed in any marketing material, applications or purchase material, it is only disclosed in written form after the insurance product is purchased It is vaguely mentioned as part of a rambling telephone call asking if you understand the product before purchase however this simple fact is intentionally omitted from all written product material prior to purchase of the product Additionally it is hard to qualify this product as insurance when the maximum payout value if all benefits are consumed is less than half the insurance product premium value The tables are intentionally vague and misleading causing the public to believe they have a valuable insurance product when in fact they are paying more premiums than insurance value This product is designed to defraud the consumer public and is a sc

NCE Insurance rep called few days ago to offer a new insurance program Listened to their sales pitch claiming it is a PPO insurance so you can go to the doctor you choose They also offered accidental death benefit, dental coverage and other member benefits After the first sales person, I was transferred to a different person saying that I have to verify some information for the death benefit insurance and other benefits At the end, I talked to four different person each taking some information from me or verify something with me
After all the contract and paperwork got filled online, I received an email explaining some of the benefits under NCE plan Found out at that point that it is not a health insurance but a membership discount program which don't even qualify as official health insurance under the new tax law I immediately called few of the call back numbers I was given and realized no one will answer the phone Couple of the numbers do not even allow me to leave me

NCE (National Congress of Employers Association) / Unified healththis company is a fraudthey trick you into thinking this is a legit health ins that you wont get dinged for during taxes, the agent Zachery Z*** told me I can cancel within days I called the next day to cancel but was giving me the run around and told me if I canceled rates can go upBut I told I'm ok with that, them he proceeded to tell me that I wont get a charge until the next months hahaI was like how is that possibleI was trying to cancel! then after having to repeat myself over and over about canceling he decided to tell me that I would have to send proof that I still ghad health ins, BSbottom line is they are NOT TELLING YOU THEY TRUTH S DONT PAY THEM NOTHINGI called a different # and got connected to UNIFIED PLUS " supposed health insurer" and they canceled my policy and are supposed to refund me, I have emails stating thatbut it better be true cause I will dispute themBad Mistake

I was contacted by this company just days after my husband lost his job The company was pressuring me into buying this insurance coverage by saying that we would pay a huge financial penalty on our taxes if we didn't purchase health insurance right away Also pressured me into believing that this was actual health insurance and then the card they send out and the website tells you it's not health insurance Our *** was debited a total of $3,for insurance that was useless

I have been reading the complaints and my experience is EXACTLY as everyone else has stated
I contacted them through a link that was on *** websiteListened to their sales pitch claiming it is a PPO insurance so you can go to the doctor you chooseThey also offered accidental death benefit, dental coverage and other member benefitsAfter the first sales person, I wastransferred to a different person saying that I have to verify some information for the death benefit insurance and other benefitsAt the end, I talked to four different person each taking some information from me or verify something with meAfter all the contract and paperwork got filled online, I received an email explaining some of the benefits under NCE planFound out at that point that it is not a health insurance but a membership discount program which don't even qualify as official health insurance under the new tax lawI immediately called few of the call back numbers I was given and realized no one will answer the phoneCouple of the numbers do not even allow me to leave messagesI have called each number at least times and cannot speak to anyoneFinally got ahold of one staff who said she can handle the insurance portion onlyWhy would she say insurance when it is not really an insurance like the initial telephone sales lady describedThe lady who picked up the phone did process the insurance portion cancellationHaven't seen the refund yet so I will have to keep an eye out for this refundAt least I received an email confirmation for the insurance (medical) portionI asked the same lady for the telephone numbers to call for cancelling the other portion and got an answer "I don't have the number so please check the bank statement for the telephone number to contact" She said telephone number should show up on my statementWell I checked with my bank details but the transaction detail does not offer any number to callI have requested my bank to find out the contact information for these transactionsThe way the sales rep represented their services was very misrepresentingConstantly mentioned it was a group plan so that is why we can offer fantastic low rates and great discount on many thingsAlso mentioned that it is a PPO insurance so I get to choose my own doctorsThe day after my transaction with them, I checked about this company and found many many bad reviews and comments on how misrepresenting they areI believe I got scammed by them just like every one else who wrote the complaintNow with open enrollment time coming soon, I believe many people will get ripped off by this same company in similar manner like I didAnd most will have to go through the same ordeal that I will probably have to go throughCan't believe how old some complaint are dated and how this company have been ripping off peopleStill in business too!

With this company I signed up to get health insurance, I received all the documents as well as insurance cardsHowever the insurance cards that were provided were from 2012-(This does me no good) I called two times to request updated cards and still have yet to receive themBoth times they verify my address which they have on file alreadyI requested a refund the week of April *** for the initial payment that was paid which was for $I received an email stating that my refund was approved on 4/**/16, since this was a Friday, I figured I would wait until Wednesday 4/**/to call back if I have not receivedI spoke with two separate ladies, both advising me that my refund was deniedI asked why, and they couldn't provide me with an answerThe last lady I spoke with her name was Amy, is going to be giving me a call back, however I want my refund it was approved, and I have been paying a lot of money for doctors and prescriptions because I have no insurance due to

I was laid off and lost health insuranceI began shopping for affordable insurance my yr son and myselfI joined this company NCE because I was told I would have RX coverageMy son had *** and has a monthly RX that he must take daily and I was promised that would not be an issueWhen August * came and I tried to use the "so called insurance card" I was told I don't have rx coverage but I have a discount RX plan??? For days I went back and forth from the MD office, CVS to try to resolve and called and spoke with the broker who handled my caseI was instructed to call the 3rd party RX discount provider Liberty BenefitsI called and there is no customer service, you have to leave a message and wait for a call backThe call back was from a gentleman that was so rude, said he was the manager, and hung up on meThe policy I was told I was getting has a bogus prescription discount planMy son's medication cost $every days is not even a discount! And is is not what

This company initially contacted me via cell-phoneThe sales agent claimed he obtained my information from the healthcare exchangeI plainly inquired multiple times both throughout the discussion of available plans as well as the confirmation of benefits whether the major medical plan I purchased was in fact major medical and whether or not the plan was ACA compliantI was told the insurance I was purchasing was major medical, and it was in fact ACA compliant as wellNone of the "in-network" providers listed by the company could confirm their status with NCEIn fact, all of the administrators claimed they had never heard of this company beforeWhen I called to request my insurance tax form, the representative said, "Absolutely, we'll send that out to you." Instead of receiving the tax form, I received a letter stating that my plan is not major medical, and that I am in fact purchasing a "discount program" for $per monthThe healthcare exchange has no record of this business

I called to cancel the policy the same day because my husband received a job with day insuranceThe lady, Karen W*** that we purchased the policy from said she was canceling itThey then proceeded to take two months of payments from my checking accountI called MsW*** multiple times before she gave me the customer service numberThey sent me a form to fill outThey canceled the policyI never received a policy number or paper work because it was canceledThey took from my account for two months and a dollar feeThey are supposed to reimburse me the dollars but I have not received itThey refused to refund the rest because the form was not filled out until November

none of "providers" on list actually take their health "plan" making it completely useless for my medical needs

I have been billed for the last months for a Discount RX plan that I cannot use in Alaska according to the website It is illegal to sell someone a plan that is not valid in their state Customer Representative said the website might be outdated but she knows it is valid in Alaska (she was very short and pushed me off the call) I asked for proof that I approved this plan because I dont ever recall providing approval (I have never received a membership card or any information from NCE)She said this is voice verification and it would be a violation of HIPPA to send me my own voice verification (interesting) This appears to be a fraudulent company

I contracted the services of this company that appear online on HEALTH INSURANCE COMPANIES search even if they deny they are a health insurance company when you need them The customer services takes several minutes of waiting on the telephone, unacceptable if you have an emergency I was at the doctor's office for my annual checkupPreventive medicine is most welcome to most insurersWhen it came to lab services this comany informed lab tests were not included Lab tests are mandatory for any procedure, medication or general testing
I had to pay my own lab tests and decided to cancel the policy, after losing $plus and received NOTHING I want my money back, We were on the phone the day of the purchase and they never informed me such an important thing as the lab tests were not included This company is a fraud advertising its services and providing the services

I was insured by the United Life Insurance Company which seemed to be under the National Congress of EmployersI had issues with them from day and when I had an emergency room visit that should have been covered, I was informed that the insurance was not validI called the United Life Insurance Company to which they informed me that my account had been closed without notifying me, although my card was still being chargedI reopened my account to ensure that I was insuredI did not receive any additional documentation that I was insuredI called back days later and they informed me that insurance did not reach my zip code
Not one insurance agent over the phone let me know, although they took my card informationI have had issues with this company for months and insurance has been awful to say the leastI am a year old healthy male and was in the ER for food poisoning and I should have been insured due to the contract agreement that I have on file

I spoke with Dante when I was looking for a new insurance for my family...Dante offered me insurance that would cover 80/all regular doctors visits and well checks...and pre existing condition was ok...and that my deductible would be for hospital or major life events only...I went to the doctor for my annual checkup and I was informed that my insurance does not cover anything...no well checks no labs no shots for my kids...NOTHING
I called them today and asked to speeknto Dante but his manager would not even put him on a phoneafter all the questions and arguments she told me I am nasty and refused to cancel this insurance ...Now I have to go through my bank to stop payments..wow they are scamers...they just left my kids without health insurance...and my husband that has type * ***...I asked for my money back and she told me I do not qualify to get my back

I contacted them in March/16, asking for health insurance quoteThey claimed their coverage of $per month and a startup fee of $would meet the minimum requirements for Health Care Insurance coverageI specifically asked about that and told them I needed coverage due to being unemployed and not having any insurance since Dec **/The representative told me that it would meet all federal requirementsSo, on March **/16, my first payment was taken out of my Netspend accountSubsequent payments of on 5/*/16, on 6/*/16, and on 7/*/were taken out of my account by preauthorized paymentsI then found out they were scamming people because I just happened see this on the scam report on a websiteI called and told them I wanted to cancel on 7/**/They told me they would refund the last payment onlyI told them that I don't take ANY medications and would NEVER have agreed to join some 'Discount Plan' as they now admitted they wereI wanted all my mone

Revdex.com:At this time, I have not been contacted by The National Congress of Employers, Inc. regarding complaint ID [redacted]Sincerely,[redacted]

Revdex.com:At this time, I have not been contacted by The National Congress of Employers, Inc. regarding complaint ID [redacted]. The last time I spoke with them was the day I cancelled benefits and made my complaint to the company, which was the same time period in which I filed...

complaint ID [redacted]. At the time of complaint when I requested a refund from NCE I was asked to file paperwork with the company to request the refund. That paperwork was filed.Sincerely,
[redacted]

At this time, I have been contacted directly by The National Congress of Employers, Inc. regarding complaint ID [redacted], however my complaint has NOT been resolved because:
[Your Answer Here]
The company returned one payment to me of $69.95 but the rest is still owing.  I asked for...

ALL of my money back since I did not use or want their 'discount drug program' in the first place. 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

At this time, I have been contacted directly by The National Congress of Employers, Inc. regarding complaint ID [redacted], however my complaint has NOT been resolved because:I received a email saying that my policy was going to be terminated however it had been terminated 3 weeks prior at my...

request??? Then I received a threatening voicemail that I saved saying they were going to take me to jail, and put a lean of judgement against me??I also have [redacted] (my banks) Fraud and Abuse department investigating this as well, and they to have heard nothing back....
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

Revdex.com:At this time, I have not been contacted by The National Congress of Employers, Inc. regarding complaint ID [redacted].I did receive portion of my refund after contacting them several times but not all the fund have been refunded yet.Seems like I have to go through many...

departments and people before I can get anything resolved with this company.Once all the refund is received, I will post some information so to help others who need to go through the same process to getthe money refunded. It took me quite a lot of effort calling various places to find the contact number.  My bank statement detail did not show any number to contact under the transaction detail.  Normally you see an contact number under the transaction detail but this company don't show any information.  I had to do some telephone numberresearch in order to reach the  person who can take care of the cancellation and the refund.Sincerely,[redacted]