Complaint Review: Health Insurance Innovations

I purchase health insurance from this company after being assured by the company's representative that the insurance would be taken by my doctor and my son's doctor and their prescription coverage would be taken at my pharmacy.  Therefore, I purchased a family policy for my son, husband and myself.  Unfortunately, the coverage is not taken by any of our doctors nor is it taken at our pharmacy or any other local pharmacy.

I was mislead and accepted their offer because I wanted my family to be covered.  My husband had recently lost his job, and we were unable to afford the COBRA payment on our former policy, an extremely good one with a major provider.  While I am generally very cautious when doing business, I was desperate to make sure my family was secure and must have let that become apparent in my conversation with the customer service representative.

One major thing should have gotten my attention:  I was discouraged from asking questions.  After a long telephone conversation with one CSR, I was told that before I could be covered, I needed to be transfered to another representative who would read and record a long legal disclaimer whose terms I needed to accept.  She informed me that I should reserve any questions I had until the end because if I did ask questions about the terms I was accepting,  the 2nd CSR would have to start reading the disclaimer again.   The terms I was recorded agreeing to were different from what the first CSR had told me, so following the extended legal litany, I asked questions.   I never felt satisfied with his answers, but after over an hour on the telephone, I just wanted to end the conversation. 

The afore-mentioned business practice is indicative of a rip-off.  In my estimation, that is all I got for my money from Health Insurance Innovations.