Health Insurance Innovations really got me. I was assured a full refund if I was not satisfied with their services. Three calls for a welcome packet with no ID card sent either. I called the third time and canceled their services and was told that no more funds would be taken from my account. The very next day I called my bank only to find out there were two transactions from the very same insurace company but with two differnt amounts and two different names. Its been within the 30 day grace period they mention that they will give you a full refund if you are unsatisfied and instead they withdrew more money from my account.