Health Insurance Innovations Consumer Reviews - Page 2

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, 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 -- 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!

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!!

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.