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!
WAYNE, COLORADO -- Please be careful of phishing websites that represent themselves very well as Legitimate Insurance using well known names, educated and informative 1st Call "agents". In my case her name was Jenny and she gave me her direct line and I have never been able to speak to her again. TOTAL FRAUD and MISREPRESENTATION by these 1st Contact "Agents".
Thereafter, I tried and it goes to a call center. This call center also sounds legitimate, taking your name, phone number and birthday, then asking how they can help. When trying to get more information, and starting to ask specific questions the lines would always either be put on hold then go dead, or just go dead. I would use another menu, same thing. Big Red Flags as I started looking further into the company.
PLEASE READ SPECIFICALLY ABOUT THIS TYPE OF FRAUD!!! They fraudulently represent themselves both on the internet and over the phone. I even told one person I was recording the conversation and asked to talk to her manager about refunding my money. I was sure to address the well documented notes I had taken and again the line went dead.
Now I am left knowing all my person information is out there, I was forced to call my bank and cancel the debit card for fraud and move forward. I am now going to put in a report for the INSURANCE INVESTIGATING UNIT IN TALLAHASSEE to look into this company that has set up these (hundreds) of fake sites, communication networks and false Medical, Dental and Even Life insurance policies.
I would encourage you to do the same if you have had this happen to you. It is not ok to believe you have insurance, pay for it and then when somethings happens, find out it does not exist or is no good. Please beware of Health Insurance Innovations and any of its "underwriting" companies.
TEXAS -- Please STOP and read every review on this page as they are accurate. Do not I repeat do not do business with this company. The name alone should be illegal as they are in no way an insurance company. Here's my experience-A family member has had this plan for a while. She was diagnosed with a type of cancer that is rapidly malignant. She must start treatment now or she is dead in 2 months. If she does start treatment now, she has a 95% chance of being fine. Great - start treatment.
It's at this time she realized what everyone on this page is saying- this policy is complete crap and has no benefits related to any actual medical treatments, conditions, or medications. Given that she has a pre-existing condition now of cancer, she is not able to get insured by any insurance on a direct basis. The ACA and Healthcare marketplace, while I disagree with the pre-existing condition legislation, is meant to assist in this situation. Given that it is outside the enrollment period, she can only get coverage via the special enrollment period.
The only one she remotely qualifies for (since pending major medical condition that may result in death is not a qualifying criteria) would be if she ended an insurance policy within the last 60 days. If so, great. If she dropped insurance on 4/26/18, she could technically be covered by a BCBS marketplace plan on 4/27/18. NOPE- this isn't real insurance, even though it says it and pretends to be. Therefore, she is up a creek.
Her Medicare kicks in late July. If she starts treatment now, it will bankrupt her family before then and she won't do it. If she is still alive come Medicare coverage, her health will have been extremely deteriorated due to the delay in treatment. Attn Health "Insurance" Innovations- please prepare for some major wrongful death, pain and suffering, all kinds of lawsuits.
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.
JOHNS CREEK, GEORGIA -- After browsing the internet for health coverage, I was contacted by a salesperson who verbally communicated that this plan was the same as a PPO. He assured me that the plan covered 3 doctor's visits per year and all I would have to pay was $25 out-of-pocket for each visit. He also said that it guarantees up to $2,000 for dental visits for the year. I paid $329 when I signed up and have been paying $204 for the past 7 months. I went to the doctor once and just found out that this Multi Benefit Limited Plan only covers $50 for each doctor's visit. So now I've paid over $1,500 to this company and I'm stuck with a bill for $292 from my doctor's office.
I tried to cancel coverage immediately and have been bounced around to various departments and put in hold for an hour! Lying to close a sale is fraudulent and someone will be held accountable. Their salesperson Daniel and supervisor Quentin ** both confirmed that I was getting an actual insurance policy and when I tried to obtain a breakdown of benefits online, it was not available.
CONROE, TEXAS -- I got this insurance about 3 weeks ago, but they failed to mention that there are NO major coverages (maternity, dental, etc.) so once I realized that, I called to cancel my plan less than two weeks later. They assured me that my policy was cancelled and that my refund would be in my account 3-5 business days later. I called 7 business days later because my money still hasn't arrived, and they're now saying that there was no request for a refund as if I were just going to be giving away my money for free. They tried to wait until my 30 days were up so they would no longer have to send my refund.
NEW JERSEY -- I was online shopping for health insurance. Called this company who told me they were able to provide coverage at a reasonable premium. After filling out the application and providing payment information, they sent some documents to be e-signed. After signing the documents the guy found out he had sent the wrong documents and proceeded to send some others.
Before signing the correct documents to authorize the transaction I had a change of heart and decided not to proceed. I told them I'm not going to proceed. As soon as I got off the phone with them they billed my account for the full amount. I called them back to ask them why were they billing my account. The guy I spoke to told me that he wasn't the account manager and he couldn't get in contact with the account manager. Long and short they stole my money. But I will tell you that you have messed with the wrong person. These people are thief!!! They belong in jail!! Why are they allowed scam people out of their hard earned money!!!