Health Insurance Innovations (HIIQ) Company Reviews

NEW JERSEY — I was online shopping for health insurance and 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 thieves!!! They belong in jail!! Why are they allowed scam people out of their hard earned money!!!

CONROE, TEXAS — I got this health 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.

FLORIDA — This health insurance company is fraud. My husband is a diabetic and had to go to the hospital all because this company is fraud. He could not even get his medications. I will be more than happy to join teams with anyone’s lawyer out of my state to sue this company due to their fraud acts. Let me know A.S.A.P.

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.

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!

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

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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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.

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!!!!

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.

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.