Health Insurance Innovations

This is a terrible company. I wanted to cancel my policy and they sent me to three different people, and each person was forcing me to stay and kept questioning my motives. Not one of them can speak English that was understable. I would never recommend this company to anyone.

Never told me that I was buying life ins. With the short term. Health ins. They would not credit back the 50 dollars that came on my credit car. And have problem finding someone to take ins. They dont have a nuber to call customer service so you have to search for one online that impossible to find.

This company is a joke! They take your payment monthly but they will not do what they say when you actually need to use it. I have an ER visit on my son and when I called to see about sending them the claim they would not help me so now I'm stuck with a $600.00 bill. this is a scam do not use this company save your money!!!

Contact point online. My impression rushed through the whole process. Misled on what I was getting. Price way too high for service. Abused by person , (did not get his name), cursed me when I requested cancellation. Never received policy number or info. Was given an extension number, but when I requested it, was informed could not be transferred. I tried all phone numbers and emails to cancel this transaction to no avail. I tried to cancel the same day I signed up for this insurance, didn't happen. Would I recommend this company, ABSOLUTELY NOT! They still owe me over $300!!

I actually had a bad experience turn into a positive one. I canceled my policy within the 30 day time period and didn't get my refund. Ended up spending about 15 minutes on hold (understandable this time of year) and was getting frustrated. Belinda answered and was extremely helpful! She took care of all my needs in a friendly and professional manner.

If a company will say what they do and do what they say they are good in my book.

When I enrolled with this company I was told so many lies to get my business. I was told my policy paid for all preventive medicine and testing and it has paid for none. I had to cancel my colonoscopy again because they would not pay. My doctor's receptionist has told me this company has not paid for any of my visits which I will probably be billed for. I am canceling this insurance today! Wish we could get a class-action law suit against them!

I was feeling that this company was a scam, so I googled the number provided (954) 606-9070 and noticed a lot of customer complaints. I also went on Yelp and noticed that there was a rep responding to comments. Name is Diana C. When you do a reverse lookup of that image you will notice it has Diana's Picture from a company called [redacted]. I left a review on YELP as well and I am expecting them to change their profile picture. I gave them my social number, address, and my bank info. I canceled my debit card and signed up for Lifelock because I fear that I will be a victim of identity theft.


[redacted]

I got hung up on when I asked to change my due date.At a later date,I wished to cancel due to terrible communication issues,and lack of care,and I told them not to run my card (3 separate times),so they put me on hold and I immediately got a email notification saying "payment received" from hii,they ran my card..they will repeatedly run your card days after it fails to process..bombarded my email Inbox with threats to cancel my insurance,but the minute I want to cancel they forward me to 5 different representatives to "authorize cancellation"..took days to receive my refund back after they ran my card without permission..the only thing this company is good at,is apologies,because severe mistakes were made every time I had to deal with them.

This company totally misrepresented the facts of what my policy benefits were. Once I read what they actually covered, or should I say didn't cover, I realized they completely misrepresented the the facts. I cancelled my policy as quick as I could. The policy they promised me basically covers nothing and was not worth the paper it was printed on. Either the agent was totally ignorant of the product or he flat out lied to me. I would not recommend them

My recent experience with HII has Been nothing short of a complete unprofessional disappointment! During this month long circus act they call customer service. Each time I would wait ridiculous periods of time listening to piano music and how important my call was to them, only to finally get a representative who seemed to be indignant and rude. Every representative I spoke to or got passed off to by the last sounded as if they were working out of their home during a full on house party in full swing, music blaring, men woman and children shouting in the back ground, then more extended hold music, and you guessed it...back to the house party with false confirmation that they completed the task spoken of and that I would receive a call from someone within 24 hours from management regarding my 1st cancelation attempt ( I still haven't received that call) that was on the 5th and it's now the 13th. From day one I've been placed on extended hold countless times totaling multiple hours, over several attempts for information, one of my favorites being a grand prize in which I was placed on hold for 51 minutes while she "generated" an email that I was supposed to have already received in regards to my policy information because I still had not received my cards or info in the mail... Only to be hung up on. ( didn't receive that email either) So I called back, waited for an extended amount of time for the next available representative who after placing me on hold for another 20 min finally sent me the email "3rd times a charm must be"! In getting that the next issue arose that had me puzzled which was that neither the amount combined for start up and monthly payments nor the policy discussed during my set up of the plan were what they should have been. At this point enough was enough and I called to cancel washing my hand of this clown show for a promised full refund if your not satisfied within the 30 day trial period, Or so I thought... ( wasn't that simple) The effective date of my policy was 12/12/2015 on 1/05/2016 I called to cancel being told that my policy was indeed marked for cancelation and I would receive a full refund along with a follow up call from management that never came. I waited until 1/12/2016 then called back because my refund never came back to my bank account. Went through the same previous call, house party, hold festival, then was informed that the previous representative had not processed my cancelation request, but she was going to make sure she personally got it processed and canceled for me! She then informed (threatened) me that I should Know that if I cancel this policy I can by law be fined up to $6000 for not having insurance... She confirmed that she most defiantly canceled my policy and I would receive my refund within 5 to 7 buisness days. Done and done problem solved right? NOPE... During this latest cancelation call I was being left an automated voice mail that I needed to contact them to update my payment information because they couldn't process my monthly payment through my bank! Didn't call back because I figured surely they've gotten the memo of my second cancelation call. So today is the 13th, problems solved for sure yesterday and I felt compelled to write my first review ever to give the public a heads up on what their potentially getting their self into with this company... And wouldn't you know that half way through writing this a HII rep just gave me a courtesy call to let me know that they could not process my payment and wanted to give me the oppertunity to update my payment information so my policy didn't get canceled! Unbelievable... But I think we'll be ok because they have an outstanding track record of doing what they say and after I gave him an ear full he told me he would write up a report, make sure it's canceled and that I can just ignore any call from them from now on. Note: when it asks you to press 1 for a call back from the next available Rep don't do it because it will state that this is not a valid extension then hang up on you , pushing you even further down the wait list...

I began filling the healthcare.gov form out a couple weeks ago, but needed more info, so set it aside. I began receiving texts and robocalls immediately, and a few days ago I was in dire need of medical care, so I called back the most recent voice message that I'd gotten. A woman from HII answered, had me write down her name, agent number, etc. and began providing info on what sounded like a really good plan. I signed up for it, because I really needed a doctor. She told me that because it was a private company, not a PPO, POS, HMO, etc., that many doctors might tell me they didn't accept it, but I should just pay the bill and would be reimbursed for every cost above the co-pay. It was all very professional, so far. Then it started getting weird. I had to call the agent back shortly after I'd spoken with her, and the woman who answered told me it wasn't my agents number, that she worked at another desk, and could she take my number and have my agent call me back. My agent did call back, and gave me a different number to call in the future. The next day, I called that number, and some guy answered, who told me he knew my agent, and could get a message to her. None of these people, apparently, are equipped with technology that allows them to transfer calls. My agent calls me back again, this time giving me her cell number. I have to leave messages on that, too, but now I can text, also. I went to an urgent care place, yesterday, figuring I'd pay the 50 dollar copay, but they'd never heard of any of the 4 or 5 companies that the agent had given me names of over the phone, and that are apparently covering me, or the ones mentioned in the email I received, that included a useless temporary insurance card that nobody will accept. So I paid the full 300 dollar clinic bill. My agent gave me a number to call to get reimbursed for the balance after the copay. The guy who answered the phone had no clue what I was talking about. He said he was customer service, and gave me a number for member services. The woman at the second number told me the member number I'd been given didn't exist, and that my name wasn't in their system. Somehow, however, they sent me an email and managed to charge the first bill to my credit card. I just called Capital One, my credit card, explained my situation to a woman in the fraud department, and was given the impression that nobody screws with their members. There was supposed to also be a 125 dollar non-refundable startup fee, that one of the other reviewers mentioned, but that charge hasn't gone through, and I blocked further charges from health insurers. I'm still out for the clinic bill, but at least I'm no longer in agonizing physical pain, anymore. Don't do business with HII.

I was sold what I was told was a six month policy. After six months, I discovered I was still being billed for an add-on. When I contacted "customer support" I was told that there is no such this as a fixed term policy and I was given attitude by the representative.

Awful, awful, awful company. I was lied to on multiple subjects including: I told them I needed pre-existing condition coverage-I was lied to, I do NOT HAVE pre-existing coverage; I told them I needed prescription coverage-I was lied to, I DO NOT have prescription coverage; I am going in for surgery on a newly diagnosed condition in two weeks, they are NOT HELPING AT ALL! I am having to pay for this needed surgery with cash! This company should be shut down!

HII, Allied and Associated firms are all a scam or rip off. They first of all are not ACA accredited, do not pay your bills stating that they are under review and have not received the proper forms from the Dr. or whom ever it may be. You get a complete run around on the phone. Just a Very, Very BAD Experience with any and all companies associated with HII. Will Not and Do Not Recommend any one to utilize these companies.

This business tells you that they are selling you health insurance. They are not. They get all your private and financial information, charge your account, and make it impossible to cancel. If you call them, they will put you on hold indefinitely.
It is impossible to connect with anyone from the company unless you tell them you are interested in purchasing insurance. Once they know you are actually one of their victims, you get put back on hold with no chance of ever speaking with someone.

Scam!!!! Don't listen to anything they say this is not a real health insurance company. I cancelled one hour after signing up and if you read the fine print you won't find anything about health insurance coverage. Half a month later I am still trying to get my money back even though they say you can cancel within 10 days for full refund. I tried to get help on the phone to get my money back and after weeks on the phone with them (at least 11 hours or more total) and they give me bogus answers, claim they already refunded me, they stall, or hang up on me. They wouldn't even let me talk to a manager! (Probably because there isn't one since it's a scam) I am now in the process of disputing the charges with my credit card company.

I thought I had found a great deal on insurance, but it turned out nothing was being paid the way they said it would be.

I was told upon signing up that my children would each receive one well-child checkup per year. NOBODY has heard of the Multiplan Network, which was what we were under. It would take three to five phone calls to get one appointment set up because the doctors couldn't tell me what was covered or not and HII NEVER sent me my schedule of benefits despite me directly asking for a copy because I never got one. I took them to their appointments before school started and now, two months before Christmas, I'm slapped with $1000 worth of doctors' bills.

I called and explained the situation and was lied to and told that the well-child visits were never on my policy. That's insane. Parents do not purchase expensive insurance without preventative benefits for their children. I asked to talk to the supervisor and the girl on the phone tried to avoid transferring me REPEATEDLY.

I finally got the supervisor on the phone and was told that the well-child visits should have been on my policy. Of course, I know this. I wouldn't have bought it otherwise.

To get this fixed I had to request my certificate be updated with Allied National, who will not do anything about the charges until then. I have been calling throughout the week to make sure that HII is working on updating this certificate to show that the well-child appointments should have been covered. EVERY SINGLE TIME I have called them I explain my situation and yet somehow they have tried to say that the appointments were not on my policy and/or thought I wanted the certificate sent to me. NO and NO. Even after the supervisor told me they should have been covered one girl had the nerve to say whatever the claims department says is final. Yeah, no. I know what I paid for. The only way I have been able to get anything done is by repeatedly asking for the supervisor.

Now I'm still waiting for this certificate to be updated so that the claim can be resubmitted. Who know whether or not the fees will actually be taken care of at that time. This company is a scam, do not go through them.

I work in a dental office and was simply trying to verify benefits for a member. For TWO hours, I was put on hold, transferred to the incorrect department over a dozen times, hung up on, etc. They never resolved my issue. When I told representatives what I had gone through, they promised to stay on the line until I got through to the correct department; not once did any of them follow through with this. I finally requested to speak with a supervisor and was denied this. It was the most ridiculous experience I have ever had. Long wait times are one thing, but this is unacceptable. Patients cannot receive service without providers verifying active coverage, and this company is doing absolutely nothing to help their patients.

Incompetence the whole time I had them. Was initially told by a customer service rep that my insurance was ending in the next few days, even though I had just received my dental card in the mail. Another insurance rep told me this wasn't true, that I was actually covered. Okay, little hiccup there...
Then I got an eye exam at a facility that a customer service rep told me was a provider. By the way, I had no vision insurance card. I was told they don't give you a vision insurance card, that I just tell the facility my member ID. The vision place could not find the health insurance in their system, and of course I had no card for them, so they had to bill me as a walk-in.
I called a few days later to try to find a dentist. I was told that my dental plan through Agile Health had been cancelled, which I had not done at that point. The rep could not tell me who did that or when it was done. Weird..
Ultimately, I decided I should just go ahead and cancel (or leave it cancelled...) This phone call included several transfers, long holds and even getting disconnected a few times. At one point, I was speaking to a customer service rep whose connection was terrible. Her voice kept coming in and out, and when I tried explaining to her that I could not hear her, she was condescending to me. Of course, she transferred me, and then I was disconnected again.
The whole experience felt like a scam. Will never go with this insurance again.

Misrepresentation of insurance... they say they are selling you health Insurance...its not.. just a bunch of discount cards plus charging you for ADD insurance when you didn't ask for it. they lied to sell a policy that really isn't a policy