Health Insurance Innovations MSGA Med-Sense Guaranteed Association Health Insurance Misrepresentation Tampal Fl

September 2014 I conatcted Health Insurance Innovations and spoke with "Larry, extention 1314" on several occasions for long periods of times about what i needed in health insurance. He assured me the policy he was referring to was a major medical stacked policy which would cover all major medical, portions of hospital stays, dianostic test, prescriptions, $50.00 emergency room, etc etc.  I felt sure about the policy and purchased it in September 2014.

After receiving my policy I had several concerns.  This didn't appear to be a major medical policy so  I contacted Health Insurance Innovations asked to speak to "Larry, extention 1314" and was told ( on several occasions)  I couldn't speak to him that the person on the line could help me.They assured me that the policy was major medical and where one company stopped paying another would pick up (stacked policy). I took their word for it and comtinued to pay the premiums, as they were very affordable compared to other insurance companies. BEWARE!! This should have been the RED FLAG!

In January 2015 I went to the emergency room with stomach problems, treated and released. Later receiving a bill for $18,000.00. Because Health Insurance Innovations sold me a policy that did not  have a $50.00 co-pay. After all my calling and questions, REALLY!! I cannot afford to pay this bill. Because of someone elses greeed they have put me in the poor house. If I need medical attention in the future I won't be able to go to the local hospital beacuse of this debt. 

No way would I ever use this company for any reason!!!! Beware of Health Insurance Innovations/MSGA- Med-Sense Guaranteed Association.