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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DO NOT EVER EVER EVER USE THESE CROOKS. I wish I had read all the nasty, negative, horrible reviews before I used them. I hope there is some kind of class action lawsuit against them someday. Not only did they lie to me and deceive me, they were insanely un-helpful in canceling the four ** policies they signed me up for, telling me it was all things I needed and all under one policy. I spent weeks trying to cancel all the freaking crap they signed me up for not knowing I’d be dealing with 4 different companies. Every single EXPENSIVE health related thing they signed me up for DID NO GOOD and absolutely was horrendous. NEVER. Seriously, NEVER use these evil people. They’re terrible. Awful. The worst. I hate them.

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FLORIDA — Once I entered my contact information online, within 10 seconds I was contacted by “Nick” a “licensed insurance agent”. I told his specifically I needed insurance that would cover pre-existing conditions. We went over our pre existing conditions, the medications we take, the amount of office visits we usually have for our conditions.

During the conversation I was transferred to Tiffany, a benefit specialist, we also spoke about preexisting conditions. When I received the paperwork, it stated that the coverage WOULD NOT COVER ANY PREEXISTING CONDITIONS. They straight lied, lied, lied. Once the lie was discovered, I tried to reach the same people again and was blocked at every attempt.

My real complaint is against the Department of Insurance in the states where this is going on. With this many complaints, with the organization using several different names, with the amount of deception and misrepresenting, how on earth are the still allowed to do business??? This is more than a buyer beware, this is a company using salespeople trained to deceive. I called and spoke to a supervisor on 10/4/17 and she was very well versed at continuing the lie. Departments of Insurance are set up to protect the public, why are they failing to do so?

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MIAMI, NEVADA — The worst health insurance ever. Total abomination and abdication of responsibility. They do not provide any service that they promised to cover at all. I paid about $786.00 for registration and a monthly payment. However I went to see my Dr. Office to do annual check up none of the things they said they will cover was not covered. I end up paying out of my pocket for the whole visit.

Called the insurance to cancel my policy got running around for 20 minutes and told me it was canceled. After a couple of months later I got another bill and told them I have called and canceled it and requested a refund, unfortunately they are trying to convince me to re sign for the insurance again. After I had fought with them for 30 minutes they canceled it but still refused to give me my money back. I am forced to talk to a lawyer to get my money back. Never ever sign up any thing with this people. They are a scamper. Check their reviews. All of them are trained to cheat as much as they can. Stay away from this insurance company.

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TAMPA, FLORIDA — I paid my health insurance in advance. My coverage was to start 12/01/2016. I had several appointments on 12/3/2016 and 12/08/2016. They refused to cover any of it. Their reasoning was as follows: “We are not responsible for any coverage during the first week of your coverage”. I don’t know how to even process that. It’s shocking that they would not pay for my medical appointments even tho I paid for coverage and was within my plan and received my welcome card and beginning coverage date of 12/01/2016. They are scam artists. They will not cover you. These people need to be put in prison. This is sick and needs to end.

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TAMPA, FLORIDA, FLORIDA — I lost $6500.00 on this company over three years and got nothing out of it. Not even $1.00. Their customer service is ZERO and they just do not honor their business at all. Run away from them as fast as you can. They deactivated my account and kept taking the monthly charge from my credit card (4 months) before I found it out. I earn my money hard but they could take it away from me effortlessly.

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UNKNOWN — It is very hard to understand the customer service reps because their phone lines are poor and cut out. Additionally, we had a plan that was canceled 6 months ago and they kept charging my company a small fee hoping that I wouldn’t notice the charges. I’m now trying to get them to refund the money that they inappropriately billed me.

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TAMPA, FLORIDA — Run do not walk. RUN from this company. Healthcare Innovations, Tampa, Florida, will gladly take (scam) your money but NEVER deliver. I bought this insurance in 06/2015. I received a call from Gina after checking online with UnitedHealthcare. I was told there was a 1 year waiting period for preexisting conditions. I needed total knee replacement. I specifically purchased this insurance for this surgery. Gina even checked the Doctor and the facility to make sure they were in the network. How nice of Gina, however I am 2 weeks from surgery and I find out I have NO surgical benefits.

I have talked with numerous people at numerous numbers from this company. Some say I do have coverage but when my Doctor’s office calls for verification they are told I do not. This company apparently spends a great deal of money training their employees how to defraud the public.

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This is a horrible company. They never delivered on their original contract and agreement. They lie to get you to sign up with them and tell you that they cover services that they really don’t. Then you end up being responsible for the entire bill. I ADVISE ANYONE LOOKING FOR HEALTH INSURANCE… STAY AWAY from this company!!! Please go with another health insurance company or you will be so sorry!

When I called at least three times, I continued to get rerouted to another person who told me something different and then I got hung up on numerous times, hence nothing got resolved. I am now stuck with a bill of over $1,000.00 even though I was still on their plan during the time of service. Please, do yourself a BIG favor and STAY AWAY FROM THIS DECEPTIVE COMPANY or you will be so sorry!!

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VALPARAISO, INDIANA — I signed up for Health Insurance with Health Insurance Innovations. They took more than what they quoted me and two months before I needed them to start my policy up. Never got a packet about my coverage and couldn’t call my agent without getting out on hold for 18 minutes at a time each time.

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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.