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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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health insurance innovations
After reading all these reviews, one would get the impression that this company is evil incarnate. But to take this position is erroneous. Hiiquote is NOT an insurance company. They are a cloud based billing platform that processes premium payments to actual health insurance providers. The insurance companies themselves, not their billing resource, are the ones who deserve the brunt of these customers’ fury. Large companies like Humana and Everest use Health Insurance Innovations to present their products and do their billing. Hiiquote doesn’t process claims, doesn’t take on risk, and doesn’t insure anyone. It’s unfortunate that these people have had such awful experiences with finding affordable health care but Hiiquote is not to blame; they just happen to be the face of their health care experience but these people should dig a little deeper and hold their insurers accountable for any transgressions.

HIIQ Review Team 06/09/2018:

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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health insurance innovations response
TAMPA, FLORIDA — I advise EVERYONE to stay away from Health Insurance Innovations. I switched to their health insurance on May 1. On May 3, I had an emergency and had to go to the hospital. I submitted my insurance information and trusted this company to at least discount my services, as promised. At the end of May, Health Insurance Innovations called me with an upgrade to a better policy with their company. I told the salesperson who called that I would like the upgrade, but I wanted to make sure it would not affect my claim earlier that month. No, no, my claim would definitely be covered; the upgrade won’t affect it at all.

I received a statement from Health Insurance Innovations in early June for my May 3 hospital statement, and everything looked fine. I even called them at that time to confirm. Yes, I would be receiving my discounts, the bill was pending, everything was fine.

Fast forward to October. I suddenly receive a bill FOR THE FULL AMOUNT, no discounts applied, from my hospital visit and another statement from Health Insurance Innovations telling me they would not be applying ANY benefits of my coverage to my hospital bill.

Why? I wasn’t covered during that time. Even after assuring me my claim would be covered, even after I received an official statement confirming that the claim had been received and the discounts applied, even after I called in and confirmed everything was fine, Health Insurance Innovations STILL decided, months later, to violate their own refund policy (which states that coverage CAN’T be cancelled if there’s a filed claim during the first 30 days) and cancel my insurance for that first month because I did not keep it longer than 30 days.

After speaking to what seemed like every employee in the company, who told me it was my fault for not catching their mistake sooner, I was finally transferred to one Mareeta, Customer Service Specialist Health Benefits Center, who after completely misunderstanding the situation, chose to ignore my repeated attempts to contact her. Health Insurance Innovations DOES NOT care about good customer service, nor do they care about the customers they claim to want to help. Take my advice. Stay as FAR AWAY from this company as possible.

Review Team 06/13/2018:

While an unfortunate experience the reviewer is having, HIIQ 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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mythreecents-health-insurance-innovations-reviews-hiiquote
TAMPA, TEXAS — This is my far the most deceptive company I have ever dealt with. We were faced with having to use Cobra and I began researching policies. I came across Health Innovation Services. Shortly after asking for a quote I was called by a representative. The person spoke very good English, appeared to be very knowledgeable about the plans and was very helpful. I asked very specific questions about the policy such as, would well-women and mammograms be covered, would there be a discounted rate for things such as x-rays, blood work etc.

I was told many things and they were all false. Everything was a lie to get you to sign on. There is absolutely NO coverage for any of the things in which I inquired. This was not just one person giving the wrong information. Because there was a lot of researching to be done, I spoke with several people from HII over two days. Also, we were told that the only non-federally required item was that there was no maternity coverage and therefore, we would not have a tax related penalty. Wrong! Looks like we will be paying a fine this year.

The coverage began in April. After calling several times, we still do not have insurance cards. It is now August. Every single time I call about coverage, a different and misleading answer is given. Plus, you are often on the phone with someone you cannot understand.

You do not actually have insurance through the Health Insurance Innovations. They send you to a completely different company. This policy was sent to Allied Insurance. When I have called about coverage questions and am given completely different answers from what we were told the policy covered, the representatives from Allied are not surprised. Apparently, it is very common for them to get customer complaints about being lied to about coverage from HII. Again, EVERY SINGLE THING we were told was basically a LIE. Please save yourself some trouble and keep looking for a more reliable plan via a different company.

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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AUSTIN, TEXAS — Run away! This is not a reliable company. I was attempting to get health care for my daughter. After being on the phone for 40 minutes with an agent we were disconnected. I called back and was on the phone for another 45 minutes. The health insurance I was buying from UnitedHealthOne was canceled and switched to A1 indemnity insurance (which isn’t health insurance) without my knowledge.

The payment was supposed to have been stopped. However, a charge for yet another insurance company called Loomis appeared on my account. The entire experience was tiresome, pointless, and an exercise in futility. My daughter still has no health insurance. HIIQuote doesn’t deserve even one star.

Review Team 06/13/2018:

We sincerely apologize that you have had a negative experience and take your concerns seriously. 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. If you'd like to learn more about the services HIIQ provides, please click here: https://www.hiiquote.com/faqs.Thank you
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mythreecents-health-insurance-innovations-reviews-hiiquote
TAMPA, FLORIDA — I posted a review/warning about this company on BBB recently, but I feel the need to make note on here as well. This company is a misrepresenting trap. Their “legitimate” function is as a supplement to already existing coverage (which even then, isn’t taken as legitimate in much of my experience). However, their advertised function is to be a full out insurance policy, which they are anything but. It’s full blown misrepresentation. The company preyed upon an inexperienced me when I was attempting to wait for callbacks related to Medicaid, under Covered-CA.

Do not be fooled however, they have nothing to do with National Health Coverage, or Obamacare, whatever you want to call it. They must have some way to know when people register, especially during the busy coverage season of November-January, and prey upon those unaware and waiting for legitimate insurance to call them back because that’s precisely what happened to me…and looking at other reviews, what seems to have happened to others in general. Their rates might seem reasonable, but it’s too good to be true. They WILL siphon months of cash from you and offer next to nothing in way of actual use.

What’s especially telling, is the sheer hostility you will be met with when you attempt to cancel the policy. Constant attempts to veer you from the subject with buddying up pitches to give you “better rates” or other such favors and when that doesn’t work, there’s a good chance the agent will attempt to guilt-trip you by trying to make it seem like you’re being irrational in the face of their “help”. I know this is a tactic, because I attempted to end this twice and both times I got the exact same treatment from two different people. It’s like clockwork.

Never raised my voice, always listened to the full pitch before simply saying “That won’t be necessary thanks, I’d just like to cancel”, and I still got a “why are you trying to argue with me when I’m just trying to help?”. It’s not you, it’s them. It’s a trick to keep you on board, and it’s dastardly. Probably the most telling bookend to this is when I finally got them to cancel my policy, I was hung up on without so much as a thank you or a “will that be all”, while I was mid way in saying “thanks for your help”. If that level of unprofessionalism doesn’t say everything I don’t know what does.

I was inexperienced and foolish and now I know better, but if these people are still in business and they contact you, do yourself a favor and save yourself hundreds of dollars by listening to both this review and the hundreds of compounding negative reviews that are thankfully showing up about this scam of a company. I’m tempted myself to file a fraud report, though they probably have some loophole ready. Nonetheless, spread the word and be wary of HIIQ.

Health Insurance Innovations 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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mythreecents-health-insurance-innovations-reviews-hiiquote
FORT LAUDERDALE, FLORIDA — I recently called as a worried mother trying to provide health insurance for my older daughter. A representative named “Alexis” spoke with me and gave me some information about “health insurance” and sold me this as a PPO plan. This is a DISTORTED FALSE representation. DO NOT FALL FOR IT. It’s a scam, they charged me $125 for the application fee plus $202 for the supposed plan. Prior to this the representative “Alexis” told me I would receive the information on my email and the identification card and other documents on the mail in 2 weeks.

And I would get everything by text…since I didn’t receive a confirmation or the policy in my email I called back immediately, but the representative had “conveniently” just left and I was the last customer. I went to BBB (Better Business Bureau) and saw all the reviews. Sadly I found out I had been scammed. I will of course file a complaint with the BBB, but I am honestly tired of these companies taken advantage of honest people who are just trying to either find a service, health insurance or whatever it is you are looking for.

I think it’s time for some change. How is it possible that this company is still open with so many bad reviews, complaints and being under investigation for Fraud. If somebody on this website wants to sue them, please reply to this and we can get in contact. I have my lawyers ready to go.

Review Team 06/01/2018:

While an unfortunate experience the reviewer is having, 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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mythreecents-health-insurance-innovations-reviews-hiiquote
TAMPA, NORTH CAROLINA — I clicked on to find healthcare and received a phone call a minute after finished the form. I thought I was speaking to an insurance agent not a third party. I ended up paying 403.00 for no insurance but a fees. I was talked into insurance that is worthless because I can’t use it and it is terrible. I am receiving doctors bills for insurance that covers nothing. I am hurting now and can’t see a doctor. I am very very upset. These people should be examined by the insurance commissioner of NC and other states. Don’t trust a word they say you can’t believe a thing. My guy told me I would be able to call him back anytime but his extension doesn’t even work. I hope karma gets all of them.

Review Team 06/01/2018:

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, not an insurance company. We do not provide coverage, we do not deny claims, we do not approve claims. 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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MIAMI, FLORIDA — I’m telling my story today so others don’t make the same mistake. I’m a recently minted entrepreneur, my previous employer’s cobra ran out in May 2017 necessitating me to get insurance on my own. I made the unfortunate mistake of applying for healthcare quotes through a website I thought was the Affordable Healthcare Marketplace (Marketplace official website is: www.Healthcare.gov). Here is where I met HII (Health Insurance Innovations). In my conversation with the HII representative I told him that I was a healthy 51 year old with no preexisting conditions needing insurance to cover me in case of unforeseen life debilitating medical events (Cancer, tumors, etc…).

He sold me a policy for $300 a month that would cover 70 percent of any medical expenses with no deductibles. The problem is that, this is important pay close attention, they don’t pay anything. The 70 % is only based on a discounted rate they negotiate with the in network providers. If you go out of network it’s 100% on you and good luck with the network. No one seems to know the network. As for their ability to get you a good discounted rate let’s take their prescription program as an example of the performance you can expect.

My 90 day prescription of ** 20mg which use to cost me less than a dollar with my previous plan will now cost me over $100.00. The pharmacist pointed me to www.goodrx.com a free website to get discounted drugs. The price on GoodRx.com is about $40. Luck for me. I don’t need any other medical services and was able to get a policy from Obamacare for $66 that is comparable to my previous plan. HII is not insurance. Run don’t walk away.

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TAMPA, FLORIDA — This company will steal your money. I made my purchase on Friday and called to cancel on Monday. They told me it was cancelled and that I would receive a refund in 3 to 5 days. I call back the next day to confirm the cancellation and was told my order was not cancelled. They then assured me my order was cancelled and that I would receive a refund in 3 to 5 business days.

I called back the following Monday to check the status and was told that only part of the order was cancelled, and that it would be 7 to 10 business day for me to receive a refund. In the meantime I received the insurance card in the mail, which tells me nothing has been cancelled. I fear my money has been stolen by this company. They lie when they tell you that you can cancel. Stay clear of this company. I will be contacting the “consumer protection agency” in hopes that something can be done to stop this company from ripping people off.

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TAMPA, FLORIDA — We were misled on the actual policy. It was not medical, it was only catastrophic coverage, it was not ACA compliant, and did not even cover both of us. Come to find out Arkansas and Montana have filed a cease and desist because of the exact issues we had. Check out their 581 complaints on the BBB. We paid over $6000 for a medical insurance policy for our family which we did not actually have. We never received information about the policy or even a card. Unbelievable how dishonest, misleading, and dangerous this company is. If ever a class action suit is filed against them we will sign up with bells on.

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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.