Health Insurance Innovations HII hii.com hiiquote.com Paid for Insurance monthly but received no payment for claims Tampa Florida

I started a policy with hii.com in September 2017.  This was for short term medical insurance.  
1) In November of 2017 I had to go to a hospital emergency room for treatment.  HII (Health Insurance Innovations) has yet to pay for any service.  
2) HII takes my monthly payments automatically.  
3) There is no reason to deny the claims.  

Next, I saw a doctor in 2018 who said I have a deviated septum and needed surgery.  He said he would have his secretary check with HII to make sure that the surgery would be covered.  The surgery was scheduled for March 22, 2018.
1) Prior to the surgery I was contacted by a person with HII to renew my policy.  That was done early in March.  
2) Monthly payments were made for my policy from September 2017 to present without any skip of payment.    
3) I went for the surgery and the billing department was getting "double talk" from HII about getting their payment.  
4) I called HII multiple times to check on getting payment for service.  I was told "relax we are processing the claim..."
5) calls about my claim were from June 2018 through September 2018.  In September 2018 I called to find out what was happening with my claim.  After all these months and talking to people at HII I was now told my claim was denied because "there is a 5 day waiting period for new members and my policy started on March 21..."  I explained that I have been a policy holder since September of 2017 and my banking statements show that payments were made for my medical insurance policy monthly so there should be no skip in service and I wasn't a new policy holder in March 2018.  

So I have been payment for medical insurance since September 2017 through September 2018 but received no payment for claims.  HII just took my monthly payments and denied everything.  

This is the most horrible company I have ever delt with and I would recommended that NO ONE USE HII (Health Insurance Innovations) for medical insurance.