Terms and Conditions

UCA Terms & Conditions

  1. MEMBERSHIP: UCA Membership is mission oriented, dedicated to helping members live a life filled with more caring and happiness. In a desensitized and challenging world, the UCA is committed to increasing emotional awareness in support of a more loving and caring environment through the provision of information, education, inspirational materials and programs. As part of its’ ongoing mission, UCA sponsors initiatives for animals and for children in the developing and developed world. Member means a person whose membership has been accepted by the UCA.
  2. MEMBERSHIP DUES: You hereby authorize the UCA or its’ designated membership administrator to charge your credit card or bank account using the billing information supplied by you for the Membership charges selected by you every month. Your initial membership dues will be processed immediately upon enrollment. Membership is automatically renewed monthly and your recurring payment will routinely draw from your specified account each month thereafter. Non-payment of monthly membership dues will result in cancellation of Membership benefits. It is your responsibility to make sure that you are being charged each month. If you fail to make a payment or your payment is declined, your membership will cease and unfortunately no benefits will be available to you.
  3. CANCELLATION: If you are not completely satisfied, you may call the toll-free customer care number on the back of your ID card or e-mail to service@unifiedcaring.org to cancel at any time. You will be sent a full refund of the first months’ membership fee only if cancellation is received within thirty (30) days from your enrollment date. The Member enrollment fee is non-refundable, except where refund provisions for such are specified by state law. Refunds take 2 - 4 weeks for processing. When insurance claims are submitted during the first thirty (30) days of membership you agree that such a submission constitutes acceptance of the membership, the products and their terms and submission of such a claim constitutes a waiver of any and all refund rights. For cancellations after the first 30 days, you must provide notification in writing, by fax, phone or e-mail prior to your next monthly payment due date to prevent another automatic bill from occurring. If you cancel, membership will terminate at the end of the billing cycle for which you have paid. Please call to confirm your request for cancellation was received.
  4. THIRD PARTY INSURANCE DISCLAIMER: UCA is not an insurance company and does not sell insurance. All insurance matters are handled directly with licensed companies. UCA assumes no liability or risk with regard to insurance services and neither receives nor processes premiums or claims and receives no commission with regard to insurance processed. Any insurance coverage is made available by licensed insurance companies which issued policies to the UCA. Classes of membership that include insurance benefits may be subject to age, limitations, conditions and exclusions. If any such benefits are no longer available to member, membership class may be changed or cancelled at member discretion. Policies included in the UCA membership are not Major Medical or Comprehensive Medical Insurance coverage. Policies included in the UCA membership are not Minimum Essential Health Benefit Plans under Affordable Care Act nor Policies of Workers’ compensation Insurance under state law.
  5. THIRD PARTY DISCLAIMER: UCA is not a merchant, manufacturer, or a provider of any savings programs or Services included in membership. UCA may change service providers at its sole discretion. Providers of services at discounted pricing receive no reimbursement from UCA. UCA assumes no liability or risk for payment for services to these providers. Discount medical plans are included at no extra charge as part of membership and are administered by a licensed Discount Medical Plan provider.
  6. RELEASE: Benefits are to be used at your sole discretion. Each Member, for himself/herself, or Family Member (“Membership Participant”) who uses any information, programs, services or benefits included in membership (hereafter “Membership Benefits”), hereby forever releases, acquits, and discharges each of the UCA and its employees, officers, directors, agents, affiliates and third party providers from any and all liabilities, claims, demands, actions, and causes of action that such Member, Membership Participant, or Member’s legal representative(s) may have by reason of any damage or personal injury sustained as a result of or during the course of the use of any Membership Benefits. The sole recourse available to a Member, Membership Participant, or Member’s legal representative(s) against the UCA will be cancellation of the Program membership as provided in Paragraph 3 of this Agreement.
  7. ENTIRE AGREEMENT: All provisions under this Agreement constitute the entire Agreement between the UCA and the Member. If any provision is declared void under the law, that provision is severable and the remainder of this Agreement shall remain in full force and effect.
  8. HEADINGS. The headings or captions provided throughout this Agreement are for reference purposes only, and will in no way affect the meaning or interpretation of this Agreement.
  9. WAIVER OF BREACH. A waiver by the UCA of a breach of any provision of this Agreement will not be deemed a waiver by the UCA of any other breach of the same or different provision(s)...
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NOTE: THIS WEBSITE IS A BRIEF DESCRIPTION OF THE BENEFITS INCLUDED IN THE UCA MEMBERSHIP. BENEFITS MAY OR MAY NOT BE INCLUDED IN ALL PLAN OPTIONS. SEE PLAN CHART FOR EXACT LISTING OF BENEFITS IN EACH MEMBERSHIP PLAN. THE PRIMARY MEMBER (AND SPOUSE) MUST BE BETWEEN THE AGES OF 18 AND 64 YEARS. MEMBERSHIP ENDS UPON THE ATTAINED AGE OF 65. SEE TERMS AND CONDITIONS OF THE GROUP POLICY FOR DEFINITIONS AND EXCLUSIONS. TERMS AND CONDITIONS MAY VARY BY STATE.

THE POLICIES INCLUDED IN THE UCA MEMBERSHIP ARE NOT INTENDED TO PROVIDE THE MINIMUM ESSENTIAL COVERAGE REQUIRED BY THE AFFORDABLE CARE ACT (ACA). UNLESS YOU HAVE ANOTHER PLAN (SUCH AS MAJOR MEDICAL COVERAGE) THAT PROVIDES MINIMUM ESSENTIAL COVERAGE IN ACCORDANCE WITH THE ACA, YOU MAY BE SUBJECT TO A FEDERAL TAX PENALTY. ALSO, THE BENEFITS PROVIDED BY THE POLICIES INCLUDED IN THE UCA MEMBERSHIP CANNOT BE COORDINATED WITH THE BENEFITS PROVIDED BY OTHER COVERAGE. PLEASE REVIEW THE BENEFITS PROVIDED IN THE UCA MEMBERSHIP CAREFULLY TO AVOID A DUPLICATION OF COVERAGE. THE POLICIES INCLUDED IN THE UCA MEMBERSHIP ARE NOT MAJOR MEDICAL OR COMPREHENSIVE MEDICAL INSURANCE COVERAGE, AND ARE NEITHER A MINIMUM ESSENTIAL HEALTH BENEFIT PLAN NOR WORKERS’ COMPENSATION INSURANCE UNDER FEDERAL AND/OR STATE LAW.

The Discount Medical Plans included in membership are provided by Patriot Health Florida, Inc., a discount medical plan organization. The features are not health insurance policies and are not available in all areas. The features provide discounts to certain health care providers for medical service and do not make payments directly to the providers for medical services. The member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with Patriot Health Florida, Inc., located at 160 Eileen Way, Syosset, New York 11791, 800-292-3797. Discount medical Plans are not available in AK, MN, MT, ND, SD, VT and WA.