TAMPA, FLORIDA -- I advise EVERYONE to stay away from Health Insurance Innovations. I switched to their health insurance on May 1. On May 3, I had an emergency and had to go to the hospital. I submitted my insurance information and trusted this company to at least discount my services, as promised. At the end of May, Health Insurance Innovations called me with an upgrade to a better policy with their company. I told the salesperson who called that I would like the upgrade, but I wanted to make sure it would not affect my claim earlier that month. No, no, my claim would definitely be covered; the upgrade won't affect it at all.
I received a statement from Health Insurance Innovations in early June for my May 3 hospital statement, and everything looked fine. I even called them at that time to confirm. Yes, I would be receiving my discounts, the bill was pending, everything was fine.
Fast forward to October. I suddenly receive a bill FOR THE FULL AMOUNT, no discounts applied, from my hospital visit and another statement from Health Insurance Innovations telling me they would not be applying ANY benefits of my coverage to my hospital bill.
Why? I wasn't covered during that time. Even after assuring me my claim would be covered, even after I received an official statement confirming that the claim had been received and the discounts applied, even after I called in and confirmed everything was fine, Health Insurance Innovations STILL decided, months later, to violate their own refund policy (which states that coverage CAN'T be cancelled if there's a filed claim during the first 30 days) and cancel my insurance for that first month because I did not keep it longer than 30 days.
After speaking to what seemed like every employee in the company, who told me it was my fault for not catching their mistake sooner, I was finally transferred to one Mareeta, Customer Service Specialist Health Benefits Center, who after completely misunderstanding the situation, chose to ignore my repeated attempts to contact her. Health Insurance Innovations DOES NOT care about good customer service, nor do they care about the customers they claim to want to help. Take my advice. Stay as FAR AWAY from this company as possible.
TAMPA, FLORIDA -- THIS INSURANCE COMPANY IS FRAUDULENT, SCAMMERS!! I immediately received a call from Shane after seeking low cost health insurance quotes online. He lied about this being an A rated PPO policy that 90% of providers nationwide accept. Told me mine and my spouse's preexisting conditions and meds would be covered. Said my provider and spouse's were in network. Lied when he said there was no discrimination against preexisting conditions, though they are not covered for first 12 months.
Stated I would pay nothing out of pocket at provider visits, they would bill insurance company i.e. $200, I would later get a bill for $25 from my provider. I told him my providers expect copays and payments at time services are rendered, he said contractually they have an agreement for it to work this way. When I received PDFs via email, I realized all were lies and it was gap insurance and a scam. This agent misrepresented this policy though he knew my situation of losing coverage 9/30/16 due to spouse's retirement.
I have canceled this policy, demanded all my money be refunded as I was within my free look period, we will see. I am completing every review I can find and filing complaints of fraud with Insurance Commissioners in Mississippi and Florida. Also, lesson learned, if it sounds too good to be true, probably is. Do not deal with these people!
This is a horrible company. They never delivered on their original contract and agreement. They lie to get you to sign up with them and tell you that they cover services that they really don't. Then you end up being responsible for the entire bill. I ADVISE ANYONE LOOKING FOR HEALTH INSURANCE... STAY AWAY from this company!!! Please go with another health insurance company or you will be so sorry!
When I called at least three times, I continued to get rerouted to another person who told me something different and then I got hung up on numerous times, hence nothing got resolved. I am now stuck with a bill of over $1,000.00 even though I was still on their plan during the time of service. Please, do yourself a BIG favor and STAY AWAY FROM THIS DECEPTIVE COMPANY or you will be so sorry!!
VALPARAISO, INDIANA -- I signed up for Health Insurance with Health Insurance Innovations. They took more than what they quoted me and two months before I needed them to start my policy up. Never got a packet about my coverage and couldn't call my agent without getting out on hold for 18 minutes at a time each time.
TAMPA, FLORIDA -- This company called me after filling out a free insurance quotes online. If it's too good to be true, then it usually is! They said I was purchasing a United Healthcare policy complete with 80/20 coverage, prescriptions coverage, even a 200,000 accident policy. They said I would have a 20.00 copay. If I wasn't happy with my coverage before ten days was over I could cancel with a refund. WELL, it took them 3 weeks to get me any kind of paperwork to me.
After I read what I had bought I realized I had been took BIG time. Not a United Healthcare policy, it's more of a weird membership to get discounts at various places - more like a travel and gym memberships!!! That's NOT what these liars told me over the phone. Run or HANG up the phone if they contact you. Don't give them any information about your bank account or don't give them any money. It is a SCAM.