mythreecents-health-insurance-innovati
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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Health Insurance Innovations is doing a better job with hits customers

 

A review blog has a favorable review of Health Insurance Innovations.

Some highlights:

The article starts with detailing the favorable conditions in which Hiiquote is poised to thrive due to its focus on doing the best job it can for their customers. Customers looking for short term health insurance are limited to plans that are 3 months only. Policy makers who are working hard to do right by health insurance customers are going to extend this duration to 12 months. Legislation has been passed that ended the mandate to purchase health insurance or face a penalty. This means the short term health insurance market is going to be expanded to consumers by providing more health insurance options.

The review touches on when some difficult times happened for Hiiquote. The Department of Insurance in Arkansas sent a cease and desist letter that led to an investigation by insurance departments in 42 states that evaluated alleged the companies were being salacious towards customers by offering short term medical plans that were not what they were said to be by the agents.

Consumers need to make the distinction that HCC Life Insurance and Health Insurance Innovations are two completely different businesses.

HCC life used independent agents to sell products that were managed by Hiiquote’s cloud based billing technologies. Hiiquote does not approve or deny claims, while HCC does.

Out of the millions of customers, only hundreds had issues, and this was due to lack of research and patience in the short term medical plan purchasing process.

Executives from Health Insurance Innovations issued a statement in an SEC filing regarding the investigations into defrauding customers:

September 15, 2016, the Texas Department of Insurance (“TDI”) notified the Company that the TDI had initiated an enforcement action to investigate alleged violations of advertising rules and licensing violations. TDI requested certain information, records and explanations from the Company. The Company fully cooperated with the investigation. On February 8, 2018, the TDI notified the Company that it had closed the investigation effective February 2, 2018. The TDI verbally indicated that the inquiry has been coded as an “internal inquiry and review that resulted in a finding of ‘no violation’ with no disciplinary action taken.” The matter is considered resolved without penalty or fine from the TDI.

 

Fears of HIIQ’s demise have been far overblown, as a review of the balance sheet fundamentals remain sound with positive legislative movement on the horizon. The consensus amongst financial institutions is that investing in HIIQ right now has lots of value potential. Their already respectable growth rates will be expanded with impending legislative changes to upend Obamacare and the ACA by a possible factor of 10.

Response Team 07/10/2018:

Great write up by Seeking Alpha!
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Choosing insurance products can be complicated as misinformation abounds. Videos of insurance reviews help bring clarity into the process and inform consumers. Examples of reviews include ones like these:

I was online looking for insurance in between jobs and i got a call from a Jonathan Bercowicz and i thought this was thru affordable care act( its isn’t) and so we discussed why i needed this policy. He told me he came thru with me a policy that was going cover Medical, Dental, Vision and had the medicine i was taking covered for a 1 time of 330$ and then 214 monthly. He told me because i had been scammed in past that this wasn’t health insurance innovations that this company he works with had a A+ with the BBB and if i didn’t like or need the insurance he was selling me i had 10 days to cancel. I trusted him and bought the policy and right after hanging up the phone( he wouldn’t let me go said had be done right then on spot) i called my pharmacist to check and see if he had heard of this group Sur- Med/ Health Insurance Innovations and he told me no he hadn’t and checked on my medicine coverage. The pharmacy told me it wasn’t insurance and that it was a discount card but it didn’t discount anything it was actually higher than what i paid cash. I called Jonathan Bercowicz back the next morning to figure things out so we called the pharmacy on 3 way calling to have the pharmacist tell Jonathan same thing he told me that nothing was covered and they went back and forth until he admitted that he was sorry and would get to bottom of it. I told Jonathan since nothing was covered on my medicine i wanted to go ahead and cancel my policy. He tried selling me another policy and i told him that the only reason was for the medicine coverage and i wanted to cancel this. He told me that i wouldn’t be able to cancel and i explained that wasn’t what he told me and i wanted my money. I have called these people Sur- Med and Legion Limited Medical and Health Insurance Innovations to be told that even though i never used the policy and had it less than 36 hours i wasnt able get my money back. I want my money so i went into looking into the company FOUND THAT THEY DONT HAVE A LICENCE IN FLORIDA TO DO BUISINESS FOR A CLASS ACTION LAWSUIT! Look this up these people are fraud and the storys they tell are the same as what i have experienced so far! I WILL BE GLAD TO TAKE THIS OFF IF THEY WILL RESOLVE MY ISSUE AND GIVE ME MY MONEY BACK

One of the issues with this one is the lack of research conducted by the customer to reconcile their health care needs with benefits available in medical policies. Understanding that with the politicalization of health care, businesses are able to offer products that might not align with the needs of the patients. Let’s look at another customer review of health insurance they purchased:

I was definitely sold a bill of goods. What a crooked group of people. The agent I spoke with was Wm Corchado. I specifically told him I was looking for a major medical plan with pharmacy card that was not a discount plan. He assured me that I was getting what I was requesting. He also gave me his direct phone number in case I had any further issues. This number is disconnected and not in service. I know this because I immediately tried to call him back with a question. EVERYTHING this man said was a total lie! In fact, everything that I said I did not want was exactly what I got. What a rip off company! They did not give me time to read the application as I was being hurried through it, guess that was my mistake for not stopping them. I remember even saying, This seems too good to be true. And of course, it’s ALL false. Please do yourself a favor and stay away from this company. I’ve attached a copy of the “coverage” that I received. Keep in mind all I asked for was major medical plan with RX Card and that neither of these two be a discount plan. ALL they are selling is discount plans and garbage. Look at the picture closely!

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These reviews underscore the importance of doing one’s research into what they’re buying.

Review Analyst 07/03/2018:

Thank you for sharing.
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This video has screenshots from the website that provides clarification and explanations for the negative experiences generated by the insurance products for which Health Insurance Innovations provides cloud based billing and online policy management. These are not insurance products backed by Hiiquote. These products are made up of providers and sold to consumers by independent agents who use HIIQ software for billing. Health Insurance Innovations doesn’t deny or approve the claims because it is not their function in the process. Issues with policies should be taken up with carriers or agents who sold the product.
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Review Squad 06/09/2018:

Youtube Video with important information about Mythreecents.
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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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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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Contact Information:
Health Insurance Innovations
218 E. Bearss Ave, Suite 325
Tampa, FL 33613
1-877-376-5831 (ph)
Health Insurance Innovations
Google Map
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.