Health Insurance Innovations Often abbreviated Misrepresentation of service Tampa Florida

About two years ago, I attempted to seek Medicaid and input my information with Covered-CA, the California-specific method of doing so, and this company contacted me as I awaited call backs from 3rd party insurance agencies.

In my inexperience at the time, I gave it a shot; and as the subsequent year and a half was extremely turbulent and I had few trips to the doctor, I didn't really notice that I was essentially paying for what turns out to be a suppliment to already existing coverage. You wouldn't know this when actually speaking to HIIQ however, as the company sells its policies as stand alone policies and vehemently discourages speaking to other insurance agencies with a shocking level of hostility bordering on emotional manipulation, and attempts to misdirect you with further sales pitches.  Even as a suppliment, the usefulness of this company is questionable. Nothing remotely accredited accepts this or has even heard of it, even for what it is...which isn't what they say they are.

To sum it up, I'm out hundreds of dollars I'll probably never get back for a policy that was advertised as something it wasn't (it doesn't even have anything to do with National Health Coverage or Obamacare, unawareness of this fact seems to be something they prey upon.) and either way, is absolutely useless. HIIQ seems to be in a bit of trouble at the moment thankfully, although it seems they've planned a multitude of loop holes to try to weasel their way out of this but nonethless, every complaint must help.

Of note as well:

-HIIQ's website is, when getting past the self aggrendization, is extremely vague in what its company actually does. 

-Withdraws cannot be done via Credit Card, and withdraws from my Debit Account only offer the name of the company and a phone number. No company code or anything else.

-Attempts to speak to representatives of the company about anything having to do with cancellation seems to be met with calculated attempts to belittle and guilt-trip the customer, as on two separate occasions where I brought this up to the company I was met with a shocking level of hostility...where minutes of almost too nice buddy buddy dialogue quickly changed to a much harsher tone almost like clockwork with the agents in question attempting to make it seem like I'm being irrational when aggressive sales pitching and attempts to further delve into my given reasons for cancelling my policy don't work. In the second call in particular, I never raised my voice, listened to every pitch fully, and always politely responded with "that won't be necessary, I just want to cancel my plan." and I was answered back with and I quote. "You know (my name), why are you being so difficult? I'm just trying to help you with your diffiulties and you keep arguing with me." I reiterated that I never even inturrupted said person and I still never raised my voice...only bringing up once that the constant delaying was starting to get a little eye-raising. I was briefly put on hold, then told my policy had been cancelled (with subsequent email sent) and the agent didn't even so much as say a "will that be all?", and I was hung up on mid way saying "thank you". 

I feel this is important to note not just for its unprofessionalism, but more that I strongly suspect this company utlizes emotionally manipulative tactics to misdirect or even guilt-trip customers wishing to stop their service which further helps the case that this company is probably a well oiled scam. I've never spoken to any legitimate insurance agency that was so confrontational off the bat, and with consistency.