Sadly this is my experience as well.
It also doesn't help that HCCUA walks and talks like a major-medical duck (disingenuous salespeople; probably on commission). Of course in the USA, regardless of what a company says, or how they present themselves, it's almost unilaterally the consumer's fault for being stupid/illiterate should they be misled. (funny how that is)
I had a surgery for a preexisting, which I had waited a year to even have covered (in theory). The 3300 policy allows for $3750 of surgery coverage. What they don't say, of course, is that that amount is -possible- provided the hospital bills it in particular codes. So, I was only granted $650 due to this convenient term.
HCCUA did nothing to negotiate with the hospital, they went strictly by billing stipulations. Now I'm stuck with a pile of medical bills I have no hope of possibly paying, and am looking at bankruptcy.
So, I'm not really saying HCCUA is totally responsible, but they certainly are not on my "side." Even though they say they are 'not-for-profit, ' they sure as hell act like they are.