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Question DetailsAsked on 3/16/2017

About: Freedom Life Health Insurance &CHUBB Health InsuranceBoth part of Unified Caring Association

Can I sue for misrepresentation on these two companies that come to find out are a single corporate SCAM! The only thing Unified Caring Association (UCA) cares about is that you send a check each month for coverage that doesn't exist! I'm left out-of-pocket close to $10,000 and only had the so called discount insurances for 6 months! They provide you all the answers you want to hear when singing up and tell you that most everything is covered! It's a lie. They covered 16% of my medical bills in 6 months! Please advise!

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2 Answers


Wow - looking at their website, they are pushing discounts for entertainment, discount cards, etc more than medical - this certainly looks like a scam to me. Plus one employee directory page makes it appear the entire "association" has 5 employees or officers only.

And certainly a lot of complaints about them on the web - I am surprised Chubb is affiliated with a company like this. Oh - now I see - Chubb got bought out by Ace Limited a year or so ago - that explains a lot, because Chubb used to be known as a very honest, straight-laced company specializing in employee benefits and insurance.

If you feel you were ripped off by false advertising - and note the "Association" does NOT provide insurance, though there are different select coverage plans (NOT full medical insurance) that they do referrals to, you have several possibilities other than suing, which obviously for an individual is not likely to get you very far from an economic standpoint:

1) complain to your state insurance bureau or commission (or similar name - the state agency that regulates insurance companies in your state) about false advertising

2) complain to the Federal Trade Commission ( about false advertising

This is another example of read the fine print before putting a dollar down - because this Caring Association, from what is on their website, does NOT provide full health coverage, nor do their products meet the requirements of the ACA (Affordable Care Act) so having their coverage does NOT exempt you from the penalties for not being covered by a compliant policy come tax filing time.

BTW - google for complaints on Freedom Life and you will find a lengthy list, going back a LONGGGG time. Course, look at how they advertise and that alone should be a red flag - brings back the truism that you gaet what you pay for, and a few bucks a month is not going to buy you any meaningful insurance for sure.

Course, the only being covered 16% on your bills over 6 months is not unusual - most of the ACA compliant health insurance plans, other than a few preventative medical coverages, also pay zero or near zero for the first $7500 or so of annual costs - the decuctible - before they start covering - and that after you have plunked down maybe $5,000-30,000 a year in premiums.

I even read an article about a $250/month plan being advertised out there which evidently also sounds too good to be true, providing coverage for darn near everything - till you read the fine print and find it has a $250,000/year deductible. So till you get over $250,000/year in covered expenses it pays exactly zero. According to the article, they also charge $25/claim for claim processing (which is probably a significant part of their revenue) - so people send in claims expecting them to be covered (at least partly) and they not only are not covered but their credit card gets charged $25 per claim.

So - buyer beware. Basically, unless you purchase the coverage THROUGH the ACA marketplace at, expect that what you are buying will NOT be ACA compliant, may appearto promise a lot more thann it will deliver, and may be a total scam. Coverage through the ACA will give you coverage - you just pay through the nose in premiums and deductibles, so while for many people no better than flushing your money down the drain, you have the security of knowing you are in a legitimate plan.

Just wait for Trumpcare - THAT ought to be even more fun !

Answered 3 years ago by LCD


I don't know about Chubb, but Freedom Life Insurance is not part of Unified Caring Association.

I am a licensed agent and I sell the products of Freedom Life Insurance, USHeath Group. The plans are legitiate health insurance. Most of the health insurance plans are underwritten plans, which means applicants need to provide health information in order to get approved and accepted into the coverage. These are not ACA (Obamacare) plans, but they may be a better option for folks who are healthy and want more benefits and good coverage for a lower price.

The company has an A rating with the Better Business Bureau and has been in business for over 50 years.

For those who would like more information, you can visit There is a place to get a free quote on that website. You will be contacted by an agent licensed in your state who will customize a plan to meet your individual needs.

Answered 2 years ago by dawnsparks

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