TAMPA, FLORIDA -- So angry I fell for this! I was researching insurance plans and, like another reviewer here, I also made the mistake of checking for healthcare quotes through a website I thought was the Affordable Healthcare Marketplace (BTW, that reviewer stated the Marketplace official website is: www.Healthcare.gov). I promptly received a call from "a licensed insurance agent" named Erica. Erica told me the plan, called "Simple Insurance" [except it didn't turn out to be "Simple Insurance"], was a PPO plan with approved providers nationwide. It was represented as a full health insurance plan, with Dental and Vision coverage included, for $222.80/month.
I forgot what visits were supposed to run, but cost was reasonable as long as you saw one of their preferred providers and I was reassured they had plenty of providers that would be accessible to me in my area. Medications were quoted to cost "$20-$50/month, per medication, depending on type and whether it was brand or generic. I was told that **, a costly medication, would cost me only $30/month with this plan. There was no deductible. The only things it would not cover would be maternity care, drug rehab, or hospitalization for a mental illness.
Never having had to shop around for insurance plans, I asked why this plan is being offered when the open season for plans doesn't start until Nov. 1st and she gave me some excuse about "other insurances not wanting you to know because.... yada yada yada." Whatever reason she gave, I fell for it. Another big red flag was that this offer was time limited and quoted prices were increasing, so there was pressure to hurry and sign up if you didn't want to miss out. I wanted something to read.... a brochure or something, but was not given that information until it came time to sign up via online.
When I decided to sign up, I was told I "would be transferred to the confirmation line," where someone would walk me through the documents and I could sign with my electronic signature. However, since the person signing me up would not be a licensed agent, I would not be able to ask that person questions about the plan, but would have to call the agent every time I was unsure about something I read [but it's not like you could print the info out and then call].
If I asked a question, they would have to start the process all over again. As typical, the pages went on and on. I had been reassured, however, that I had 30 days to try it out and, if I didn't want it, I could get "a full refund". So, I skimmed, signed, and figured I would print out the brochure and read it again, more carefully, as soon as I got the chance [another foolish mistake].
As I was going through it online, I saw they offered some "telehealth" services referred to as "4 Core Health" with "wellness specialists". I thought it was an added service. So, when I saw it described as a supplement to health insurance and not a substitute for major medical coverage, I thought that was just referring to that portion of the policy. There was also accidental death and dismemberment offered as part of the package. I didn't need that, but if it was part of the package, no extra cost, what the heck, I thought. So, I signed away. Afterwards, I got to thinking.... I never saw anything about "Simple Health Insurance" [?]. They kept calling it "Health Insurance Innovations".
I started reviewing the paperwork and I never found any piece of the plan offering major medical coverage. Instead, all that stood out was the big bold letters stating that this was “a supplement to health insurance and was not a substitute for major medical coverage.” [huh???]. Unfortunately, I already signed this crap, which "indicated I have read and understand and agree to be bound by these terms, whether or not I have access to policy documents." Great.... So, what about the full refund?
It did state, somewhere, that I could be refunded, but I would have to pay "a processing fee" [amount undisclosed, but I am guessing this is the $257.85 "one time enrollment fee" I paid for the combined medical and dental insurance misrepresented to me as a “full” insurance plan]. I will be calling as soon as they open, but they got me, as well as my credit card info. All I could do now is try to contest the charge with my credit card company. Corrupt!!!.... knowingly taking advantage of people.... makes me so angry!
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, FLORIDA -- I posted a review/warning about this company on BBB recently, but I feel the need to make note on here as well. This company is a misrepresenting trap. Their "legitimate" function is as a supplement to already existing coverage (which even then, isn't taken as legitimate in much of my experience). However, their advertised function is to be a full out insurance policy, which they are anything but. It's full blown misrepresentation. The company preyed upon an inexperienced me when I was attempting to wait for callbacks related to Medicaid, under Covered-CA.
Do not be fooled however, they have nothing to do with National Health Coverage, or Obamacare, whatever you want to call it. They must have some way to know when people register, especially during the busy coverage season of November-January, and prey upon those unaware and waiting for legitimate insurance to call them back because that's precisely what happened to me...and looking at other reviews, what seems to have happened to others in general. Their rates might seem reasonable, but it's too good to be true. They WILL siphon months of cash from you and offer next to nothing in way of actual use.
What's especially telling, is the sheer hostility you will be met with when you attempt to cancel the policy. Constant attempts to veer you from the subject with buddying up pitches to give you "better rates" or other such favors and when that doesn't work, there's a good chance the agent will attempt to guilt-trip you by trying to make it seem like you're being irrational in the face of their "help". I know this is a tactic, because I attempted to end this twice and both times I got the exact same treatment from two different people. It's like clockwork.
Never raised my voice, always listened to the full pitch before simply saying "That won't be necessary thanks, I'd just like to cancel", and I still got a "why are you trying to argue with me when I'm just trying to help?". It's not you, it's them. It's a trick to keep you on board, and it's dastardly. Probably the most telling bookend to this is when I finally got them to cancel my policy, I was hung up on without so much as a thank you or a "will that be all", while I was mid way in saying "thanks for your help". If that level of unprofessionalism doesn't say everything I don't know what does.
I was inexperienced and foolish and now I know better, but if these people are still in business and they contact you, do yourself a favor and save yourself hundreds of dollars by listening to both this review and the hundreds of compounding negative reviews that are thankfully showing up about this scam of a company. I'm tempted myself to file a fraud report, though they probably have some loophole ready. Nonetheless, spread the word and be wary of HIIQ.
TAMPA, FLORIDA -- I spoke with Jeff ** of Health Insurance Innovations. I was told that I could qualify to get coverage from Humana. I was told I would get eye and dental coverage too. I was also told I would have prescription coverage too. I had a million questions all of which were answered by a very knowledgeable Mr. **. I took notes and felt very prepared.
I thought I had insurance from Humana, as well as eye and dental insurance. After this conversation, I was on the phone with another agent who read to me all the details of the coverage I was going to get. I was not allowed to answer questions otherwise the conversation would have to begin again.
I went to make an appointment with the dentist and I did not have coverage. I called Health Insurance Innovations, they told me I definitely had insurance and gave me the number of the company that provided the coverage. I called them, they are a concierge service and only book appointments with dentists they do not provide insurance. I promptly called HII Back and they told me again that I had dental insurance.
Fast forward three months, I wish to make an appointment at my primary care physician and my doctor tells me I do not have Health insurance. I called HII and demanded to speak to a supervisor, I was told this was not an option, instead, they gave me the number to Humana.
I called Humana and came to find out that I did not have insurance. I called Health Insurance Innovation and it took me an hour to speak to someone who would finally cancel my 'insurance'. They refused to let me speak to a supervisor. This company is a scam, they are all sheisters at this company and I believe the world would be a better place if this company did not exist. If I had money I would sue them for the 400$ I paid for 4 months of no coverage.
MIAMI, INDIANA -- I was searching for health insurance online. Somehow I got involved with this company and they reached out to me via phone call. The man, and I cannot remember his name, was very convincing. He asked me how much I could afford per month, and I stated $100, and no more than that. He said, “Great we can help you out”. He explained I would have to pay a $350 upfront fee, but after that it would only be $26 per month.
I should have hung up then, but I was naive. He went on to say I would have my cards within 3 days, blah blah and I could use them ASAP. I gave him my CC info, and was transferred to a lady who explained the $350 fee again, but never mentioned a monthly payment price. Long story short, I saw 3 different monthly payment prices on my login page. This place is a scam and a joke. I do not understand how these people sleep at night.
I reached out to support via email, and someone named Eric starting contacting me saying he was so sorry for the miscommunication but that this was the agent's fault and not his. He told me my monthly payment would be $230 a month, that is a long way away from $26 a month. My CC ended up getting charged $352. He asked if I wanted a refund and to cancel, and I said yes. I have received a bunch of emails stating my money has been refunded & my policy cancelled, and yet it still has not been refunded.
I have tried to call this company and straighten this out, and I get put on hold for 30 min at a time. I put my card on lock, and sent in a request for a new card. I do not trust these scam artists, and they will not steal any more money from me. How are they able to do this legally? It is sick. That money better be refunded, or I am finding a lawyer. STAY AWAY PEOPLE. PLEASE.
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, NORTH CAROLINA -- I clicked on to find healthcare and received a phone call a minute after finished the form. I thought I was speaking to an insurance agent not a third party. I ended up paying 403.00 for no insurance but a fees. I was talked into insurance that is terrible. I am receiving doctors bills for insurance that covers nothing. I am hurting now and can't see a doctor. These people should be looked by the insurance commissioner of NC and other states. Dont trust a word they say. My guy told me I would be able to call him back anytime but his ext doesn't even work. I hope karma gets all of them.
DO NOT EVER EVER EVER USE THESE CROOKS. I wish I had read all the nasty, negative, horrible reviews before I used them. I hope there is some kind of class action lawsuit against them someday. Not only did they lie to me and deceive me, they were insanely un-helpful in canceling the four ** policies they signed me up for, telling me it was all things I needed and all under one policy. I spent weeks trying to cancel all the freaking crap they signed me up for not knowing I'd be dealing with 4 different companies. Every single EXPENSIVE health related thing they signed me up for DID NO GOOD and absolutely was horrendous. NEVER. Seriously, NEVER use these evil people.
FLORIDA -- Once I entered my contact information online, within 10 seconds I was contacted by "Nick" a "licensed insurance agent". I told his specifically I needed insurance that would cover pre-existing conditions. We went over our pre existing conditions, the medications we take, the amount of office visits we usually have for our conditions.
During the conversation I was transferred to Tiffany, a benefit specialist, we also spoke about preexisting conditions. When I received the paperwork, it stated that the coverage WOULD NOT COVER ANY PREEXISTING CONDITIONS. They straight lied, lied, lied. Once the lie was discovered, I tried to reach the same people again and was blocked at every attempt.
My real complaint is against the Department of Insurance in the states where this is going on. With this many complaints, with the organization using several different names, with the amount of deception and misrepresenting, how on earth are the still allowed to do business??? This is more than a buyer beware, this is a company using salespeople trained to deceive. I called and spoke to a supervisor on 10/4/17 and she was very well versed at continuing the lie. Departments of Insurance are set up to protect the public, why are they failing to do so?
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.