Health Essential Affordable Healthcare Solutions

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Beware - They Are A Rip Off - Many Names, But All Mean The Same Thing - Rip Off
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PJP Health Agency
Health Essential Affordable Healthcare Solutions
HII Quote
Health Insurance Innovations
Benefits underwritten by United States Fire Insurance Company
The Beech Street PPO Discount Network
Administrative Concepts
Coordinated Benefits Plan

** BEWARE of RIP OFF! ** Many of the names listed above appear on my "insurance card". Others were revealed, I believe, mistakenly.

Based on my experience with this company, this is a total rip off! These people bold-faced lied to me about what they were selling and what I would be getting.

I was told I was purchasing a PPO, getting 80/20 Major Medical, $20 co-pays for doctor visits, well-woman exams, mammograms. Yeah, right.

This is not a PPO. Major medical? There is no 80/20. According to one of their reps, if I had to go into the hospital, this "insurance" company would pay $50 per day, not the 80/20 "insurance" coverage they promised. $50 per day doesn't pay for aspirin in the hospital!

Well-woman or mammogram was supposed to be a $20 co-pay. Instead, while I was at the doctor's office waiting for service, this company denied coverage for these services, saying it fell under "preventative care" - something they didn't cover.

On the card, it clearly states "Doctor's Office Visit $20 copay per visit". In reality, they denied coverage because "charge incurred after policy terminates not cov'd". Of course, this happened after 5 months of premiums were automatically withdrawn from my checking account, one premium just withdrawn from my account days before coverage was denied!
According to my credit union, they used multiple IDs to withdraw premiums from my account. This made it possible for them to continue to withdraw premiums after I cancelled the policy AND put a "stop payment" on my account with this company. Unfortunately, I found this out the hard way.

How did I find all of this out? It was only after going to the doctor, I found out how absolutely dishonest these people had been with me.

Why am I posting this online? Like so many other Americans, I've been laid off and find myself in a position I've never been before. No paycheck/unemployment, no cobra, and to top it off, a company like this preying on those who can least afford to be preyed upon. Bottom line, I may have been ripped off for over $1,500!, but I refuse to help them rip off anyone else.

** BEWARE **

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User Replies:
Disaster Worker on 02/03/2011:
Good post. Many years ago I had an "insurance" agent try to sell me a similar product for my employees (back when I owned a business). After investigating the company and reading all the fine print, it didn't really pay for anything at all. So sorry you wasted your money!
ok4now on 03/03/2011:
Imagine this. After purchasing Health Essential Healthcare and thinking that you're covered with this PPO plan you end up in the hospital. They tell you that you have a major medical condition and it's going to cost big bucks. You have peace of mind thinking that the insurance will cover it. Then you find out they only pay $50 bucks a day. OUCH!! Be thankful you were not put in this position. Good for you for exposing this scam rip off company.
Zstev40 on 11/29/2011:
OMG, thank god I came here. I'm sorry it happened to you. I was about to buy this plan and with your help, you save me for getting ripp off. Thank You. I hope and pray good things will happen to you soon
Kevin on 01/03/2012:
Wished I had read these reviews prior to opening my childrens policies. Readers be very aware that what you are getting is not insurance. Agents from would not return my calls. This kind of business should not be allowed to operate. Very deceptive.
pjgreen1951 on 02/12/2012:
Connie Dammen on 05/29/2012:
I am so sorry for those of you that got ripped off, but bless you for saving people like me. I really didn't need another kick in the teeth.
sandalee on 11/05/2012:
I felt something stinks when the salesman was real nice at first. Then he was the smelly fish. They lied to me about so many thigs. This is Texas and we do not do fast talking pushy sales. Get a rope.
MJV on 01/18/2013:
I wish that I had read these comments we were lied too and told that Health Insurance Innovations was a health insurance company RIPPED OFF is't even the word for this so called family owned company we were rip off of almost $800.00 dollars the customer service people were rude BEWARE of HEALTH INSURANCE INNOVATTION also known as HIIQUOTE they were charging our credit card we never got a policy number from them just a lot of mouth we are supposed to get back $342.36 credited to our credit card I guess we will see. What this company turned out to be was a insurance discount which they didn't tell us they are under a lot of names MSGA,Multiplan, Ounook please beware.
MJV on 01/22/2013:
Update on HEALTH INSURANCE INNOVATION after many, many phone calls to BBB in Texas and the Texas Insurance Board in Austin guess what they are not license to sell in Texas because the Texas Insurance Board never heard of them they told me I had to call Florida so I called 5 different numbers in Florida no luck. I did call the BBB(Better Business Bureau)in Flordia and they do have a ALERT on them which was read to me over the phone I'm going to file a complaint with BBB in Flordia on this company we all need too. The phone number of the BBB in Flordia is 1-727-535-5522 we must stand together to stop this so call insurance company.
MJV on 01/25/2013:
Update on HEALTH INSURANCE INNOVATION and all the other names they are going under If you live in Texas and was scam from this company please call the TEXAS DEPT. OF INSURANCE 1-800-252-3439 they can help and if you tell them your story and file a complaint against these people the Texas Dept. of Insurance will investigate but they have to have your information and all that happen to you so that Texas Dept. of Insurance can do their jobs and shut this so call insurance company down please call. What have you got to lose we are already unemployed and still have no health insurance they mis-lead us and took our money it's not like we don't have time on our hands so why not try to do the right thing by stopping these companies who love to prey and ripe off people. The number to TEXS DEPT. OF INSURANCE is 1-800-252-3439 I'm going to do my part and also file a complaint with BBB in Flordia 1-727-535-5522 please do your part even if you don't live in Texas and were ripped off call Texas Dept. they will tell you what you can do.
Jan on 03/18/2013:
Let me tell you what this company has done to me...I bought a short term health insurance policy through HII--three days later I was having difficulty swallowing--went to the doctor. He thought I had an irritation, so prescribed me a GI cocktail. Ten days later, I could not swallow water. I had 2 emg scopes at hospital, and was told that I had Barretts esophagus..sent home but condition worsened. I was admitted into hospital and was scoped again. Pathology report came back positive for esophageal cancer!!! After ambulance ride for surgery-chemo port-j-tube I began intensive chemotherapy and radiation. I had an Ivor-Lewis esophagectomy on 6-25-12 to remove cancerous tumor. Insurance company did not pay claims for 4 months, then finally paid claims. In October thay said I had a pre-existing condition and wanted all their claim money back. Well, because of their practice of post-claim underwriting I am on the hook for over $300,000.00 because 1 doctor said I had symptoms..symptoms of what?? I had twenty other doctors that concurred with everyone else. The 1 doctor made an error, but here I am with EC and no money to pay. I now have no insurance because of this company, therefore I probably am dying. They acted in bad faith. One of their claims personnel told me I was covered--it depended when I was diagnosed. So there you go. Pretty sad isn't it?? They will not even refund the premiums I paid--scam and bad faith!!!

MJV on 04/06/2013:
To the person on3/18/2013 I'm so sorry please if you can call the Texas Dept. of Insurance at 1-800-252-3439 or 512-305-7222 and ask for Angela I was told by her that if more people will call and complain about this scam insurance HII (andall it's other names)they can't do anything so far I have been the only person to file a complaint until more people call and file a complaint nothing will be done to these insurances that are nothing but scams. Texas Dept. of Insurance will help you get your money back I will be praying for you and may God Bless You
Marion on 04/29/2013:
Thank you all for all of your comments. I just got off the telephone with an agent from Hii quote insurance. I listened to what she had to say and told her I do not buy things over the internet with a one phone call engagement. She tried really hard to get me to commit. I told her I was going to research her company and get back with her. When she got a little more pushy I ended the call. This site really enlightened me and made me take a good look at why I am even looking on line for something so important, I will now find a local agency to whom I can speak within person. They are still out there and reputable. I fell so bad for all of those who were ripped off by these terrible people. I wish you all the best and I will go on Facebook now and start spreading the word for you. God Bless.
m davis on 07/23/2013:
I would just like to thank you all for your information!!! It sure sounded good when she gave me the quote...but what looks too good is sometimes not!!!
You all have saved me from making a huge mistake and I so appreciate you all for sharing your experiences.
Sherri on 12/15/2013:
I called the hii today after seeing it on a web site, the agent and I went over thing a lot. He gave me a pakage tha I should have known souned to good to be true. He pushed for my CC number, I told him that my payment will not be able to go through until Monday, he seemed upset then Ilooked up this web site hii.quote and saw reviews. I called th guy back and addressed concerns, he was raising his voice and talking bad about the BBB and said I had to be on the wrong web because there would no way be reviews, He was not a nice person when questioned. What do I do??
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