mythreecents-health-insurance-innovati
The overwhelming majority of Health Insurance Innovations customers love their products, evidenced by the ratio of online reviews to policies on the books. HII has hundreds of thousands of policies being administered on its network, yet negative reviews from a minuscule fraction of dissatisfied consumers abound prominently 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 a wide variety of insurance products ranging from life insurance to dental insurance to short term to ACA plans to Telemedicine. 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, upgrade, or cancel their policies. HIIQ does not make robocalls, it strictly forbids its independent agents to utilize this practice, and the consequence of not abiding these non negotiable results in termination from the sales platform, which does happen, evidenced by the recent case of Simple Health. Simple Health abused the Health Insurance Innovations sales platform by concealing their unscrupulous sales tactics and altering sales transcripts and editing recordings to hide when they went off the approved sales scripts. The sales scripts are carefully crafted to ensure the consumer is not being deceived and HIIQ has a robust compliance team to ensure these practices are maintained, but Simple Health went rogue and went way and beyond the rules to perpetuate a flagrant fraud against unsuspecting consumers, dragging HIIQ's good name through the mud.

Health Insurance Innovations (HIIQ) Company Reviews

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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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TAMPA, FLORIDA — Thankfully, I haven’t made a purchase. Their sales department, however, got a hold of my number somehow. I receive two to three calls from them a day, despite having repeatedly asked to be taken off of their call list. When I mention this to their employees, they become hostile, or hang up on me. I have filed a complaint against health insurance innovations.

Review Team 06/12/2018:

We apologize that you have had a negative experience and have investigated your concerns accordingly. Being as you are not a customer, all we can suggest is removing your name from our call list and blocking numbers from your phone.
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mythreecents-health-insurance-innovations-reviews-hiiquote
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.

Review Team 06/13/2018:

We apologize that you have had a negative experience and have investigated your concerns accordingly. When you purchased the policy, you electronically signed acknowledging that you understood the benefits, limitations and exclusions. Additionally, you were sent an email with a username and password that provided you with access to your member portal, where you would be able to review, save and download all your policy documents. A 10 - day free look period was provided, so that you could see if the policy(s) would fit your needs, and if not, you were advised to contact us to cancel to receive a refund within that 10 - day free look period. We understand that healthcare can be difficult to navigate. HIIQ is a third-party billing administrator and a technology resource who does not deny or approve claims because we do not provide insurance. 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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mythreecents-health-insurance-innovations-reviews-hiiquote
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.

Health Insurance Innovations Review Team 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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TEXAS — Please STOP and read every review on this page as they are accurate. Do not I repeat do not do business with this company. The name alone should be illegal as they are in no way an insurance company. Here’s my experience-A family member has had this plan for a while. She was diagnosed with a type of cancer that is rapidly malignant. She must start treatment now or she is dead in 2 months. If she does start treatment now, she has a 95% chance of being fine. Great – start treatment.

It’s at this time she realized what everyone on this page is saying- this policy is complete crap and has no benefits related to any actual medical treatments, conditions, or medications. Given that she has a pre-existing condition now of cancer, she is not able to get insured by any insurance on a direct basis. The ACA and Healthcare marketplace, while I disagree with the pre-existing condition legislation, is meant to assist in this situation. Given that it is outside the enrollment period, she can only get coverage via the special enrollment period.

The only one she remotely qualifies for (since pending major medical condition that may result in death is not a qualifying criteria) would be if she ended an insurance policy within the last 60 days. If so, great. If she dropped insurance on 4/26/18, she could technically be covered by a BCBS marketplace plan on 4/27/18. NOPE- this isn’t real insurance, even though it says it and pretends to be. Therefore, she is up a creek.

Her Medicare kicks in late July. If she starts treatment now, it will bankrupt her family before then and she won’t do it. If she is still alive come Medicare coverage, her health will have been extremely deteriorated due to the delay in treatment. Attn Health “Insurance” Innovations– please prepare for some major wrongful death, pain and suffering, all kinds of lawsuits.

Health Insurance Innovations Review Team 05/10/2018:

While an unfortunate experience the reviewer is having, they are correct in saying that Health Insurance Innovations is not an insurance company; we are 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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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.