Assuming that the facts support it, you can plead any cause of action you wish. However, based on these facts alone it may not be a clear cut case of false advertising / misrepresentation. Best of luck. I would recommend consulting with an attorney to review your potential claims.
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You can include any viable cause of action in your complaint, including causes of action based on Business & Professions Code section 17200 et seq. (unfair competition), false advertising, and fraud/deceit. However, based on the information in your posting without more it is doubtful you will be successful on such causes of action. You may want to consider discussing your case in more detail with an attorney. Perhaps there are additional facts not apparent from your posting which will support such causes of action.
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The false advertising claim would have to be about some advertising that the insurance carrier made to you about what your benefits of contracted with them would be, which ended up being false. I don't think it has much to do with the letter that they sent you. I do think speaking to an attorney about the bad faith allegation is a good idea. Insurance bad faith is a very serious claim that the insurance carriers do not take lightly. If you are that fed up, maybe after speaking to an attorney to see if you have a valid bad faith case, you can get the attorney to write a strong demand letter threatening a bad faith action against them if they do not resolve your claim. There are a lot of things to discuss but that may be a good initial course of action before filing suit. Best of luck to you.
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