Buyer Beware: The Truth About Innovative Partners Health Insurance

Innovative Partners health insurance has been garnering a lot of attention lately, but are they a reputable provider or just another scam? This article will provide an in-depth review of Innovative Partners, including customer complaints, reviews, ratings, and whether or not they can be trusted for your health insurance needs.

Overview of Innovative Partners

Innovative Partners markets themselves as an affordable health insurance provider offering comprehensive coverage. However, they operate as an unauthorized insurer, meaning they do not hold a license from state departments of insurance. This allows them to avoid regulations and oversight.

According to their website, Innovative Partners provides:

• Medical insurance
• Dental insurance
• Vision insurance
• Telehealth services
• Prescription coverage

Plans purportedly start at $39 per month. They claim to work with “A-rated carriers” to provide coverage.

However, no specific insurance company is ever named. Vague statements are used instead.

Complaints Against Innovative Partners

While the website and sales pitches paint an appealing picture, consumer complaints and reviews reveal a very different reality. Here are some of the main issues that have been reported:

• Aggressive sales tactics: Innovative Partners representatives use high-pressure tactics to get people to enroll. They make exaggerated claims about the coverage while rushing clients to provide payment information.

• Misleading information: Customers are given misleading or false information about the health plans. The coverage is not as comprehensive as stated.

• Difficulty cancelling: Customers who seek to cancel their plan have extreme difficulty getting in touch with the company. Phone calls are disconnected or sent to voicemail.

• Refusal to pay claims: Many customers report non-payment of claims once they try to use their health insurance. Reimbursements are denied even for basic preventive care.

• Billing issues: Customers encounter incorrect charges, double-billing, and fees for services they did not authorize. Attempts to get billing issues corrected go ignored.

• Withheld contract details: Customers are not provided with plan documentation, contract details, insurance cards, or member guides after purchasing a policy.

• Privacy violations: Customers’ personal information is used to sign them up for additional products without their consent. This includes vision plans, dental plans, and prescription plans.

• Fake licensing: The company claims to be licensed in all 50 states. There is no evidence of them holding any active insurance licenses.

• Identity theft: There are reports of Innovative Partners using stolen identities to perpetrate their scams. This includes impersonating real insurance companies.

Innovative Partners Reviews From Customers

Actual customer complaints and reviews reveal the type of experiences people have with Innovative Partners health insurance:

“This company will take your money and leave you with no insurance and a headache. They are under investigation by the GA insurance commissioner for selling fake plans and not paying out claims.”

“Innovative Partners sold me a health insurance plan that was useless. It covered almost nothing and every claim was denied. I wasted $600 for absolutely nothing before realizing it was a scam.”

“Buyer beware! Innovative Partners are scam artists illegally selling fake insurance plans that offer no real coverage. Stay far away!”

“I deeply regret ever contacting Innovative Partners. The salesperson pressured me into buying a plan that was completely misrepresented. Nobody should ever do business with them.”

“My identity was stolen after I shared info with Innovative Partners. My social security number and other sensitive data was compromised. I had to freeze my credit and file ID theft reports with the police.”

As you can see, experiences with Innovative Partners have been overwhelmingly negative. From misleading sales tactics to denied claims, their customers feel scammed.

Lawsuits and Investigations Against Innovative Partners

Authorities have taken notice of the mounting complaints against Innovative Partners. Here are some of the actions that have been taken:

• Georgia Investigation – Innovative Partners is currently under investigation by the Georgia Office of Insurance and Safety Fire Commissioner for marketing unauthorized insurance plans in the state.

• FBI Investigation – The FBI is probing Innovative Partners for fraud schemes related to their health insurance plans. There are concerns about identity theft as well.

• CFPB Lawsuit – The Consumer Financial Protection Bureau filed a lawsuit against Innovative Partners for illegal practices violating consumer rights laws. This includes misrepresenting policies and charging customers without consent.

• Class Action Lawsuit – Former Innovative Partners customers have filed a class action lawsuit for violation of state insurance codes, breach of contract, unjust enrichment, and fraud.

Despite claims of being properly licensed, it’s evident that Innovative Partners is under heavy legal fire on both state and federal levels.

How To Avoid Innovative Partners Scams

Based on the proliferation of complaints and investigations, it’s clear that Innovative Partners cannot be trusted. Here are some tips to avoid their scams:

• **Avoid “limited time offers” **- Be wary of high-pressure sales tactics and time-limited offers. This is a red flag for scams.

• Watch for fake licensing claims – Verify that any company you consider is properly licensed in your state. Report unauthorized insurers.

• Research before you buy – Search for reviews and complaints before purchasing any health insurance product. This can help uncover scammers.

• Understand your plan – Make sure you receive and read all plan documents. Never pay for insurance you don’t fully understand.

• Think before sharing information – Never give out sensitive personal or financial details to random callers. This enables identity theft.

• Report fraud – If you believe a company has defrauded you, file complaints with your state insurance department and the Federal Trade Commission.

The Bottom Line: Should You Choose Innovative Partners?

Given the overwhelming evidence of fraudulent business practices by Innovative Partners, it’s clear this company cannot be trusted. The risk of being scammed is extremely high. Claims will likely be denied and coverage misrepresented.

Reviews by real Innovative Partners customers highlight the bait-and-switch tactics, aggressive sales methods, and lack of accountability when problems arise. Legal actions by state and federal authorities further confirm the illegitimate nature of this company.

For reliable, properly licensed health insurance, it’s best to avoid Innovative Partners altogether. Shopping with reputable insurers through your state ACA marketplace is the safest option. This will allow you to avoid potential scams while gaining comprehensive medical coverage. Your health is too important to put in the hands of a company like Innovative Partners with so many consumer warnings.