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.
FLORIDA, ARIZONA -- I obtained Health Insurance and Prescription coverage from this company in Dec 2017. This company finally sent me a benefits package Aug 23, 2018 telling me this is the insurance coverage I was paying for. This package included different cards for a discount program and accident coverage with a discount insurance plan. This is in no way what we have been paying for. We have Aflac. Why would we ever of asked for the accident coverage.
They also sent us NCE Gap Afford Plus Discount Plan and American Financial Security Life Issuance Indemnity insurance. None of these were ever anything we wanted nor were quoted for. The quote and money paid was for the health insurance we enrolled for. Our Rep went into details on the coverage options, dr's in network and our medications to confirm the insurance was affordable and COVERED. This company has lied to me over the phone and either ignore the medical bills or state they are pre existing.
I need all my medical bills covered as promised. The quote and coverage we obtained include: 6 Free in network dr's visits (our doctor is in network). $50 Emergency deductible and $4 dollar prescription. This package they sent me is a joke. We would have never signed up for this insurance package. We have now requested they stop taking money out of our account. The amount we were paying monthly was $518. Since I have raising a stink they only took out $390 in Sept and sent me an inferior package. It has to be a SCAM. Now my Great Credit is going to **.
ALEXANDRIA, VIRGINIA -- I really needed to get some insurance going until the next open enrollment as I changed jobs and did not want to be without insurance. The agent I spoke with JAZZMINE **, with Assurance HII (Health Insurance Innovations ) lied to me and said I had full coverage with PPO and a deductible for 30 dollars. State my rate would be $202 a month and that I would pay no more than $15 for generic medication and a cap at $50 otherwise.
I DID unfortunately need to use my insurance last month when I became ill only to find out that I did not have real insurance. I had a discount card. She played me and they have been taking out of my account directly for 6 months now. I would have never known had I not become ill so I guess everything happens for a reason.
Jazzmine ** you are scum. Trying to make a sale and being more than happy to con someone in order to get commission is beneath the standard of mankind. You're less than an animal. People's lives are important. You have a job that allows you to make a difference. Being transparent and honest should be your priority. And as I promised you. I WILL be letting as many people know what kind of people you are. JASMINE **. Associated with Assurance Hii (Health Insurance Innovations) Cardinal CHOICE.
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!!!
FORT LAUDERDALE, FLORIDA -- I recently called as a worried mother trying to provide health insurance for my older daughter. A representative named "Alexis" spoke with me and gave me some information about "health insurance" and sold me this as a PPO plan. This is a DISTORTED FALSE representation. DO NOT FALL FOR IT. It's a scam, they charged me $125 for the application fee plus $202 for the supposed plan. Prior to this the representative "Alexis" told me I would receive the information on my email and the identification card and other documents on the mail in 2 weeks.
And I would get everything by text...since I didn't receive a confirmation or the policy in my email I called back immediately, but the representative had "conveniently" just left and I was the last customer. I went to BBB (Better Business Bureau) and saw all the reviews. Sadly I found out I had been scammed. I will of course file a complaint with the BBB, but I am honestly tired of these companies taken advantage of honest people who are just trying to either find a service, health insurance or whatever it is you are looking for.
I think it's time for some change. How is it possible that this company is still open with so many bad reviews, complaints and being under investigation for Fraud. If somebody on this website wants to sue them, please reply to this and we can get in contact. I have my lawyers ready to go.
TAMPA, FLORIDA -- Same as every single review on this horrible company. Hard to believe this place is a real company in America. I really thought this was a few guys in a garage somewhere in Iran. How are they still able to steal money from honest people. I'm not sure and how are they not shut down yet. They got me for over $600.00. I've called to cancel 4 times and it just never happens. I called within the 30 days to cancel with a no problem money back guarantee. Really didn't wanna cancel my bank account because all my bills are coming out of it. Had no choice.
Glad all these people including myself are being forced to pay for medical insurance from a place claiming to be from our gov't discounted insurance website. They sound legit. I was on the phone going through plans for almost a hour. It was the last day of open enrollment so I had no choice. Was so excited that I got insurance finally and I showed my mother in law and she immediately called me back and told me it's a well known scam.
I called to cancel with no issue. Never received my money back or contact. Never been so upset in my life. Instead of these kids shooting up schools they need to visit these lovely people ripping off hard working people being forced to buy insurance from a place claiming to be the best insurance Obamacare has to offer.
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.