AUSTIN, TEXAS -- While trying to research an affordable Health Care Plan for my family (thanks failed Obamacare!) I clicked a link I THOUGHT was for health insurance quotes. In minutes I received a phone call from a sales person at Health Insurance Innovations. To be QUITE HONEST, she did tell me that they were NOT a "Major Medical" Insurance company, but the rest of what she said was VERY MISLEADING. She led me to believe that they used First Health and Coventry providers and looked up our doctors to confirm that they were on the plan, THEY DON'T HAVE ANY CONTRACT WITH FIRST HEALTH OR COVENTRY TO VERIFY ANYTHING!
What they are really selling is a BUNDLE OF SMALL WORTHLESS LIFE INSURANCE AND "HEALTH BENEFITS" aka Home Prevention and Workouts, TeleMed (who do not really help you) and a bunch of worthless pharmacy information. UNFORTUNATELY by the time I found this out, I had already given them all of my personal information PLUS my debit card information to start a "Limited Medical Liability" policy on August 1, 2017. While on the phone, they sent me to the "confirmation" line where the gentlemen walked me through approval paces, and then said that he would walk me through the email with the "automatic signatures".
I'm glad that my brain kicked back in when my I saw the email. It was a whole LOT of worthless programs and insurances. Some of them nothing more than REFERRAL services!!! 18 pages of it! Most of them stating that if you agreed by signing, you pretty much signed away to rights to anything! I told him I needed time to read through it before signing anything. He wanted to wait on the phone with me, I told him to call me back in an hour and we would discuss. When I started reading the mess, I meant to print it out, but initially couldn't.
What I did see only then was a "DECLINE" Button, which I used, along with a "Reason for Declining" box: I left a strongly worded explanation as to what lengths I would go to if they tried to put through ANY of the charges. I finally decided to do a little online research and OMG, these people are ripping folks off right and left all across the country! Based out of Florida, they call from numbers beginning with (954) and (754). My legal background finally paid off. READ EVERYTHING BEFORE YOU SIGN ANYTHING!!!
My common sense really kicked in then, and I called my bank and had my debit card CANCELLED. TAKE THAT HII Imposters! You will never get a legal cent from me, and if I find that you have used or abused any of the personal information you have about me I will report you to every bloody agency, state, or federal program to take action against you and your employees. Especially Ms Prem **, agent for HII who was feeding me the lies about "no out of pocket" expenses, cash prices negotiated and payment to doctors, with maybe only a little balance left to pay if out of network. "Pennies on the dollar," she said. They don't HAVE a network!!! They are liars!
You could incur tens of thousands of dollars or millions before they would pay out anything to you. I will follow up with a fax to their number tomorrow of my DECLINE message and the automated return message from them that acknowledged I declined to sign. RUN AWAY from these sleazy sales people, report them to your state, add them to your blocked call list and report them if they continue to try to call you! Legal action IS available in every state against these types of practices if they get enough complaints. Hopefully they will get the hint, because they sure a hell ain't gonna get my money!
TAMPA, TEXAS -- This is my far the most deceptive company I have ever dealt with. We were faced with having to use Cobra and I began researching policies. I came across Health Innovation Services. Shortly after asking for a quote I was called by a representative. The person spoke very good English, appeared to be very knowledgeable about the plans and was very helpful. I asked very specific questions about the policy such as, would well-women and mammograms be covered, would there be a discounted rate for things such as x-rays, blood work etc.
I was told many things and they were all false. Everything was a lie to get you to sign on. There is absolutely NO coverage for any of the things in which I inquired. This was not just one person giving the wrong information. Because there was a lot of researching to be done, I spoke with several people from HII over two days. Also, we were told that the only non-federally required item was that there was no maternity coverage and therefore, we would not have a tax related penalty. Wrong! Looks like we will be paying a fine this year.
The coverage began in April. After calling several times, we still do not have insurance cards. It is now August. Every single time I call about coverage, a different and misleading answer is given. Plus, you are often on the phone with someone you cannot understand.
You do not actually have insurance through the Health Insurance Innovations. They send you to a completely different company. This policy was sent to Allied Insurance. When I have called about coverage questions and am given completely different answers from what we were told the policy covered, the representatives from Allied are not surprised. Apparently, it is very common for them to get customer complaints about being lied to about coverage from HII. Again, EVERY SINGLE THING we were told was basically a LIE. Please save yourself some trouble and keep looking for a more reliable plan via a different company.
TAMPA, FLORIDA -- Run do not walk. RUN from this company. Healthcare Innovations, Tampa, Florida, will gladly take (scam) your money but NEVER deliver. I bought this insurance in 06/2015. I received a call from Gina after checking online with UnitedHealthcare. I was told there was a 1 year waiting period for preexisting conditions. I needed total knee replacement. I specifically purchased this insurance for this surgery. Gina even checked the Doctor and the facility to make sure they were in the network. How nice of Gina, however I am 2 weeks from surgery and I find out I have NO surgical benefits.
I have talked with numerous people at numerous numbers from this company. Some say I do have coverage but when my Doctor's office calls for verification they are told I do not. This company apparently spends a great deal of money training their employees how to defraud the public.
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!
Thank you for sharing your feedback. We apologize that you had a poor experience with your agent, but we want to assure you that Health Insurance Innovations is not represented by agents. Agents work for and represent agencies; they sell insurance products through an online platform we provide. HII is the billing and technology resource for agents and for members, but we do not sell insurance directly to consumers. We also do not provide the coverage; that is the role of the insurance carrier.
If you've canceled your policy, that is a role we would assist you with. Can you confirm with us that your cancellation was handled promptly and professionally? If not, we would like to make sure that happens ASAP. You can email us at firstname.lastname@example.org. If you'd like to email us your name and email address as well, we can help you identify the contact information for your agent so you can forward your feedback to the proper party.
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!!
TAMPA, FLORIDA -- 6 months to get insurance cards, 5 months to get a packet outlining benefits, good luck speaking to someone who doesn't have an accent. On hold forever, bounced around from person to person and good luck getting a supervisor. I received a notice that my daughter's insurance is going to expire and I need to call to continue coverage. Well I get sent to another company who can't even insure a single policy on a child.
I call back and get the excuse that they don't actually insure people. Funny all paperwork and billing has their name on it. Nobody can explain a damn thing to me and they don't want to. This in my opinion is the worst company I've ever had to deal with. Save yourself the pain, high pressure and anger. Find someone else!!!
TAMPA, FLORIDA -- This company will steal your money. I made my purchase on Friday and called to cancel on Monday. They told me it was cancelled and that I would receive a refund in 3 to 5 days. I call back the next day to confirm the cancellation and was told my order was not cancelled. They then assured me my order was cancelled and that I would receive a refund in 3 to 5 business days.
I called back the following Monday to check the status and was told that only part of the order was cancelled, and that it would be 7 to 10 business day for me to receive a refund. In the meantime I received the insurance card in the mail, which tells me nothing has been cancelled. I fear my money has been stolen by this company. They lie when they tell you that you can cancel. Stay clear of this company. I will be contacting the "consumer protection agency" in hopes that something can be done to stop this company from ripping people off.
TAMPA, FLORIDA -- I paid my health insurance in advance. My coverage was to start 12/01/2016. I had several appointments on 12/3/2016 and 12/08/2016. They refused to cover any of it. Their reasoning was as follows: "We are not responsible for any coverage during the first week of your coverage". They would not pay for my medical appointments even tho I paid for coverage and was within my plan and received my welcome card and beginning coverage date of 12/01/2016. They are scam artists. They will not cover you. These people need to be put in prison. This is sick and needs to end.
MIAMI, NEVADA -- The worst health insurance ever. They do not provide any service that they promised to cover at all. I paid about $786.00 for registration and a monthly payment. However I went to see my Dr. Office to do annual check up none of the things they said they will cover was not covered. I end up paying out of my pocket for the whole visit.
Called the insurance to cancel my policy got running around for 20 minutes and told me it was canceled. After a couple of months later I got another bill and told them I have called and canceled it and requested a refund, unfortunately they are trying to convince me to re sign for the insurance again. After I had fought with them for 30 minutes they canceled it but still refused to give me my money back. I am forced to talk to a lawyer to get my money back. Never ever sign up any thing with this people. They are a scamper. Check their reviews. All of them are trained to cheat as much as they can. Stay away from this insurance company.
MIAMI, FLORIDA -- I'm telling my story today so others don't make the same mistake. I'm a recently minted entrepreneur, my previous employer's cobra ran out in May 2017 necessitating me to get insurance on my own. I made the unfortunate mistake of applying for healthcare quotes through a website I thought was the Affordable Healthcare Marketplace (Marketplace official website is: www.Healthcare.gov). Here is where I met HII (Health Insurance Innovations). In my conversation with the HII representative I told him that I was a healthy 51 year old with no preexisting conditions needing insurance to cover me in case of unforeseen life debilitating medical events (Cancer, tumors, etc...).
He sold me a policy for $300 a month that would cover 70 percent of any medical expenses with no deductibles. The problem is that, this is important pay close attention, they don't pay anything. The 70 % is only based on a discounted rate they negotiate with the in network providers. If you go out of network it's 100% on you and good luck with the network. No one seems to know the network. As for their ability to get you a good discounted rate let's take their prescription program as an example of the performance you can expect.
My 90 day prescription of ** 20mg which use to cost me less than a dollar with my previous plan will now cost me over $100.00. The pharmacist pointed me to www.goodrx.com a free website to get discounted drugs. The price on GoodRx.com is about $40. Luck for me. I don't need any other medical services and was able to get a policy from Obamacare for $66 that is comparable to my previous plan. HII is not insurance. Run don't walk away.