In March of this year, after being billed again by our insurance company for bills that I had paid in full last March, I discovered that Rex had been getting charged for
three Life/Health Insurance accounts from the company he had given access to his bank account. He had only ever authorized two.
He called the company and cancelled all three accounts and demanded a full refund for the fraudulent account and was told he had to cancel them in writing.
He closed his bank account and opened another one to keep them from having any rights to withdrawl more money before they got the written notice.
He wrote them immediately, cancelling the accounts and the following month we both received bills for our accounts, except this time, the account for me was directly in my name as opposed to his (since he had gotten the account to provide me with Insurance while I am here) AND
twice the amount they were billing him for the same coverage and the same time period!!! This double charge to me, had we paid both bills, would equal what they were taking out of his bank account with the fraudulent account that they had previously used in his name!
Calls to the comapny and written letters directed to the person responsible were ignored and we continued to receive bills, late notices and finally this:
Address headers intentionally left out to protect the guilty and the innocent:
Quote:
GROUP NO: ######
POLICY NO: #########
AMOUNT DUE 315.00
DEAR INSURED:
Your UNICARE Insurance Policy was recently cancelled for nonpayment of premium. This occured because we either did not receive your premium within 31 days of the due date or we did not receive sufficient funds to pay your premiums in full.
CAN YOU AFFORD NOT TO HAVE HEALTH INSURANCE COVERAGE? THE COST OF AN AVERAGE HOSPITAL STAY EXCEED 1500.00 PER DAY. If you'd like to continue coverage but cancelled due to cost, you may be able to reduce your premium by raising your deductible or moving to a different UNICARE policy. You also may want to enroll in our Automatic Monthly Checking Account Deduction Plan.
IF YOU DID NOT INTEND TO CANCEL YOUR POLICY, YOU MAY BE ELIGIBLE (UNDER CERTAIN CONDITIONS) TO REINSTATE YOUR COVERAGE IF YOUY SUBMIT A WRITTEN REQUEST ALONG WITH YOUR PAYMENT. A reinstatement fee may be required.
Call us immediately to avoid having to fill out a new application.
Sincerly,
Kandy W*$#)%{&*^
General Manager
Individual and Small Group Services
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Well, I have had enough! Rex called them yesterday and they said that the check they owe him for the fraudulent account was put out in the mail the day before. We'll see. In the meantime, for having used my name to bill me directly for an account that I personally never authorized, they are going to get this in return:
FORMER GROUP NO: ######
FORMER POLICY NO: #########
Re: Your form letter sent regarding a policy in my name that was never authorized by me to be billed to me directly and was cancelled by the policy holder in March, 2001:
Dear KANDY
My UNICARE Insurance Policy was cancelled in MARCH of 2001. This occured because your company is a rip off, charging my policy holder directly for two accounts, one of them being fraudulent! (See policy for Rex ####### and check his address against mine, it is one and the same).
I CAN AFFORD TO NOT HAVE HEALTH INSURANCE AS LONG AS I DO NOT ALLOW YOUR COMPANY TO INSURE ME! I did not ask for or authorize a policy in my name only, my policy was being paid for by my employer (again, see policy for Rex #######).
You would be smart to remove all traces of my name from your database and stop billing me for an account I DID NOT AUTHORIZE!
I DID INTEND FOR MY POLICY TO BE CANCELLED! See first paragraph! Written requests have been submitted to YOUR DESK and phone calls have been made TO YOU PERSONALLY in regard to this matter! Legal fees will be paid by you if you want to push this matter into a lawsuit!
You got that? KANDY? You are not dealing with "old" or stupid people here and what you are doing is beyond wrong!
I seriously wonder how you believe you can get away with charging me directly and
double this time around for the same coverage in the same time period that you also sent him a bill for! Remember the same address comparison? I have seen his bill and "my own" and I am beyond angry at this point!
You should be thankful that Rex and I have the patience to have waited so long for the moneys you fraudulently collected from his bank account to be returned! Your time however IS running out!
I doubt the next person you do this to will be as patient as we have and I will not be suprised to hear later that you are in debt for the rest of your life for the methods you use to rob others in the name of insurance!
Again, and FOR THE LAST TIME, I am demanding that you remove my name from your database and cancel this fraudulent account in my name.
MOST Sincerly,
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Am I being to harsh?
Moni
[This message has been edited by Moni (edited 05-10-2001).]