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The overwhelming majority of Health Insurance Innovations customers love their products, yet negative reviews abound across the internet on numerous forums: BBB.org, MyThreeCents.com, ComplaintBoard.com, RipoffReport.com and more. Customers are 100% entitled to their opinion and ability to share their experience with others. However, there is a fundamental misconception about the services Health Insurance Innovations provides. HIIQ is a software company whose technology is used by independent insurance agents and brokers selling products produced by insurance carriers. HIIQ does not insure anyone. HIIQ does not deny claims. HIIQ does not approve claims. Health Insurance Innovations administers the billing and customer service while hosting the portal where members and agents can review their accounts.

Comprehensive Health Insurance Innovations Company and Service Reviews

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We’re always updating our social media with new content. Reviews featured on this site are made on Mythreecents.com and other business reviews. There is a lot of confusion surrounding health care and hopefully this site clarifies some of the inaccuracies and falsehoods that abound other review sites across the internet. The common misconception is that we are denying claims. This isn’t true. We simply bill customers for policies that are provided by other health care providers and sold by an independent agent. Any issue that arises short of the technical inability to login to the customer portal to view statements and benefits must be taken up with one of them.

 

Customer Reviews 06/22/2018:

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I Bought Worthless Health Insurance
Well, after reading about Health Insurance Innovations online, it’s obvious they weren’t the right company for my health care needs. They even have an F on the BBB so obviously their worthless. I just got a huge balance from my from primary care doctor for visits going back to January 1 but HII never approved. I called HII today and yesterday and keep leaving voicemails but no one is answering. WHY WON’T THEY ANSWER! The agent who sold me the policy isn’t responding to my calls even thought he’s usually really nice and empathetic and understanding so I’m leaving voicemails. I can’t afford to cover these medical expense, otherwise I wouldn’t have bought this health insurance policy. I wasn’t supposed to have a deductible at all so I don’t understand why I’m getting bills. This makes no sense, guys. If you look at the reviews online, you can see everyone getting screwed so at this point I have no expectation that any of my claims will be paid. This is completely ridiculous. I think they will get what they have coming to them, and now I approach my car insurance company the same way and threaten legal action and they quickly do what I need. Insurance in America is crazy something has to give!!!!

Review Team 06/21/2018:

We apologize that you have had a negative experience, and we want to resolve your concerns as quickly as possible. However, we are not able to locate your policy due to the limited information provided in your review. Please reach out to us at compliance@hiiquote.com at your convenience with more information and note that we do not approve or deny claims, we are a cloud based billing portal for you to manage your policy. Questions about the benefits in your policy should be directed to your insurance provider.
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I Had No Way to Cancel Policy
Apparently, you need an executive from the President of the United States in order to cancel your insurance policy from health insurance innovations, while contending with mean and abrasive customer service employees over the phone who kept hanging up on me. Because of that, I don’t feel confident I’ll see my $283.60 back because of all the complaints and reviews that I see on the internet who have had similar experiences. I wish they had an expedited system to get refunds like they just take your money, it’s unbelievable how they’re allowed to just take money out of bank accounts. And to add insult to injury, the manager I talked to blatantly lied about me contacting my back to get my money back sooner. Of course I called my bank. They told me no one from Health Insurance Innovations called them. To make matters worse, I talked to a Supervisor and she told me an out right lie about contacting my bank to get my money back sooner. This business is super dishonest and I’m appalled they can continue their business.

Review Team 06/21/2018:

We are terribly sorry about your experience. However, we have a clear path to canceling on our FAQ page at www.hiiq.com/faq. First, access your Member Portal. Choose Cancel Policy from the top right menu. Select the plan you’d like to cancel and the reason you’re requesting cancellation. Please remember that cancellations are effective on the last day of the current coverage cycle. Additional charges will not be applied to your credit card or withdrawn from your bank account. Reach out to HIIQ at 877-376-5831 Monday – Friday 8:30am – 5:00pm EST with any further issues canceling your policy.
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how-to-cancel-health-insurance-policy
NEVER again will I use health insurance innovations or recommend anyone else to. Everything was great in the beginning but when their health products no longer became necessary, just try to cancel. Impossible! Way back on 1-1-18 I contacted them to cancel and thought it was done and had totally different insurance, but here it is now in June and noticed they were still billing my card! Admittedly, this is my fault for not checking this sooner and stopping the automated payments with my bank. But for anyone else, I really hope you don’t set up auto pay because they will just try to bill you FOREVER!!! Their customer service couldn’t find any record of my cancellation back in January even though I”m sure that I did! Hiiquote only offered to give me a refund for one month even though I showed them proof of my other insurance and no claims since January! Why can’t they just give my money back! Clearly, their business model involves sneaking payments when no one is paying attention and taking money they didn’t earn.

Customer Review Team 06/21/2018:

We are terribly sorry about your experience. However, we have a clear path to canceling on our FAQ page at www.hiiq.com/faq. First, access your Member Portal. Choose Cancel Policy from the top right menu. Select the plan you’d like to cancel and the reason you’re requesting cancellation. Please remember that cancellations are effective on the last day of the current coverage cycle. Additional charges will not be applied to your credit card or withdrawn from your bank account. Reach out to HIIQ at 877-376-5831 Monday – Friday 8:30am – 5:00pm EST with any further issues canceling your policy.
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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!

Health Insurance Innovations Review Team 05/03/2018:

Health Insurance Innovations is a separate entity from the sales agency and the insurance carrier. We are the third-party administrator for the enrollment and premium billing for the carrier. The agent is associated with the agency for which the policy is sold, and who also would sell multiple insurance products for other carriers as well. We regret to hear that the member had a poor experience with the purchase of the policy and apologize for any inconvenience caused as a result. In conclusion of our review, we feel that the complaint is best directed towards the agent/agency of which the policy was sold.
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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 as hell ain’t gonna get my money!

Health Insurance Innovations Review Team 05/10/2018:

Health Insurance Innovations is a separate entity from the sales agency and the insurance carrier. We are the third-party administrator for the enrollment and premium billing for the carrier. The agent is associated with the agency for which the policy is sold, and who also would sell multiple insurance products for other carriers as well. We regret to hear that the member had a poor experience with the purchase of the policy and apologize for any inconvenience caused as a result. In conclusion of our review, we feel that the complaint is best directed towards the agent/agency of which the policy was sold.
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TAMPA, FLORIDA — This company called me after filling out a free insurance quotes online. If it’s too good to be true, then it usually is! They said I was purchasing a United Healthcare policy complete with 80/20 coverage, prescriptions coverage, even a 200,000 accident policy. They said I would have a 20.00 copay. If I wasn’t happy with my coverage before ten days was over I could cancel with a refund. WELL, it took them 3 weeks to get me any kind of paperwork to me.

After I read what I had bought I realized I had been took BIG time. Not a United Healthcare policy, it’s more of a weird membership to get discounts at various places – more like a travel and gym memberships!!! That’s NOT what these liars told me over the phone. Run or HANG up the phone if they contact you. Don’t give them any information about your bank account or don’t give them any money. It is a SCAM.

Hiiquote Review Team 05/11/2018:

We understand that healthcare can be difficult to navigate. HIIQ is a third-party billing administrator and a technology resource. If you have any additional questions or concerns about billing or technology, please call us at (877-376-5831), Monday- Friday, 8:30 am-7pm. If you have questions or concerns regarding claims, please reach out to your claims administrator, who's information is located on the back of your ID card. If you have questions or concerns about your policy buying experience, please reach out to your agency. If you have questions or concerns about your coverage, please reach out to your insurance carrier.
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health insurance innovations company response to scam scam allegations
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 and this review of them is all I can do.

Health Insurance Innovations 05/10/2018:

We apologize that you have had a negative experience, and we want to resolve your concerns as quickly as possible. However, we are not able to process your complaint due to the limited information provided regarding your complaint. We understand that healthcare can be difficult to navigate. HIIQ is a third party billing administrator and a technology resource. If you have any additional questions or concerns about billing or technology, please call us at (877-376-5831), Monday- Friday, 8:30 am-7pm. If you have questions or concerns regarding claims, please reach out to your claims administrator, who's information is located on the back of your ID card. If you have questions or concerns about your policy buying experience, please reach out to your agency. If you have questions or concerns about your coverage, please reach out to your insurance carrier.
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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!!!

Hiiquote Review Team 05/10/2018:

We understand that healthcare can be difficult to navigate. HIIQ is a third-party billing administrator and a technology resource. If you have any additional questions or concerns about billing or technology, please call us at (877-376-5831), Monday- Friday, 8:30 am-7pm. If you have questions or concerns regarding claims, please reach out to your claims administrator, who's information is located on the back of your ID card. If you have questions or concerns about your policy buying experience, please reach out to your agency. If you have questions or concerns about your coverage, please reach out to your insurance carrier.
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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!

Company Response 11/29/2016:

Hello,

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 reviews@hiiquote.com. 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.
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Contact Information:
Health Insurance Innovations
218 E. Bearss Ave, Suite 325
Tampa, FL 33613
1-877-376-5831 (ph)
Health Insurance Innovations
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Health Insurance Innovations functions as a convenient technology company for agents, insurance carriers, and consumers who receive and/or provide insurance benefits. An individual’s issue(s) with the pricing, restrictions and denial or approval of claims under their policy are not within HIIQ’s jurisdiction. HIIQ is willing and able to assist their customers with these issues to the best of the company’s abilities. So, the frustration and discontent expressed in the following reviews are misdirected. We proactively respond to each individual review in the hopes of facilitating clarity and resolution with the customer.