Innovative Partners LP Bewertungen 

They took over a $1,000 out of my account and have provided no services or coverage. They talk a good game when it’s to get to sign you up but are a scam. It’s sad when people take advantage of someone who is going blind in one eye and my mom is battling cancer all for a couple bucks. I just wanted to leave this review because these people are a fraud and don’t care.

I was sold a health care plan sponsored by Innovative Partners / Marpai Health through an insurance broker called AP Insurance Health Enrollment Center. The broker stated that this plan was underwritten by Aetna, which proved to be false. The doctor I was seeing was listed as accepting this plan, so I bought the coverage. A dental plan was also purchased at the same time that was sponsored by Aetna with the actual Aetna logo embossed on the card.
I was covered by this plan all of 2024. Throughout the year I saw my primary doctor a few times. I was referred to a Cardiologist, and a Neurologist. Both providers showed up to be in the Aetna provider network. I also saw my dentist twice for routine cleaning & check up.
By October I had not seen any bills from providers, or EOB's from Innovative Partners / Marpai Health, so I started asking why not. My providers, and I were both given the explanation that claims had not been received. Claims were re-submitted more than once, and we were provided with the same answers, that claims had not been received.
I cancelled this policy in early December due to poor customer service when requesting documentation about my coverage, combined with the fact that they were not paying my claims, or responding to my providers.
I finally got my first & only correspondence from Marpai Health in late December in the form of an EOB stating that almost all my claims were out of network & being denied. They didn't even pay my dentist whom I know was in network.
It turns out that Innovative Partners / Marpai Health has nothing to do with Aetna. The insurance broker AP Insurance Health Enrollment Center misrepresented what company was underwriting this policy.

I was recently sent a bill for over $2k and when I contacted the doctors office about it they informed that my claim was denied. Mind you my husband was paying over $400 a month for medical insurance and we had to pay a copay of $50 every doctor’s visit. My husband and I was told by a representative that Innovative Partners covers a lot of healthcare costs they even referred me to a doctor within their network so we honestly don’t understand Why the medical bills are being denied.

This is 100 percent a SCAM false company. 855 is a common “area” code that scammers use. I am asking for a refund of my “99.00” sign up fee. But GUESS WHAT? They actually charged my acct 385.00. SHAMELESS STRAIGHT UP THEFT. I only agreed to 99.00 that I THOUGHT was my FIRST MONTHS payment. Why did I fall for a scam? I don’t know. I was in the car and i thought I had called covered California but of course the scam company pops up right over covered California. I was TOLD that my policy was with “FIRST CHOICE HEALTH”. Close but no cigar. The real insurance company is called “FIRST HEALTH CHOICE”. They claimed that the policy monthly fee was based on my “reported income” which seemed fishy I asked if they needed a w2 and they said no. That the company “trusts” my declared income. Hmm sure. Nobody works on the weekend. What health insurance has nobody on the weekend to call? The woman said my policy had “16k” doctors who accept. That seemed awfully high. For one city even if it is LA. When I checked the phone number and it came up a scam number I ran to my bank to contest the charge but so far it had not been posted so I have to wait till it posts. I wish I had not done this over phone when I was driving and couldn’t Google to check any of the facts. DO NOT FALL FOR THIS BS false front. I never HEARD the term “innovative partners” from the woman “selling” me a Policy. Wonder why not? It’s really sick to prey on people looking for health care. And for the women I spoke with -wow. Don’t you feel dirty at all stealing peoples money who are desperate for health care? Shameful.

This plan has been a lifesaver! It doesn't cover everything, but it's perfect for my basic healthcare needs. Plus, the savings compared to other plans are amazing.

The pricing reasonable, and the coverage fits my needs. I had to call in once to clarify something, and the representative I spoke with was professional and quick to resolve my issue.

Worst insurance ever. Most doctor's offices don't even know what it is. They keep denying claims my doctor sends. They only covered a small fraction of my mammogram and bone density scan. They are impossible to get a hold of. Once you do there is so much background noise you can hardly hear them. It almost feels like a scam but they do pay a tiny bit. It's cheap insurance so you get what you pay for. Your better off paying for better insurance.

I have had a terrible experience with Innovative Partners Insurance. Without my consent, they issued two identical insurance policies under my name and charged me for both. After discovering this error, I contacted their customer service team multiple times, only to be told that they would not refund the money because I "didn't catch the mistake within 30 days."
This is unacceptable and feels like a deliberate lack of accountability on their part. I explained that I was in the process of switching bank accounts at the time, which delayed my noticing the duplicate charges. Despite this, they offered no resolution or understanding.
This is not the way a professional insurance company should treat their customers. I will be pursuing small claims court to recover the money they wrongfully charged me. I would advise anyone considering Innovative Partners Insurance to look elsewhere for coverage.

They lied to my about everything. They still have not paid on my bills of as 12/12/2024. Now I'm getting bills from all my provider to make payments on all the bills that the insurance should of been paying on. I'm now putting a complaint in with the NV Division of Insurance.

This company literally charged my credit card over $1700 within the last 5 months before I realized it. I am paying for someone else’s insurance plan in Florida. I live in Oklahoma and have never even shopped for a health insurance policy because I have VA insurance and a supplement and have had these plans for the last 10 years. This is unbelievable!! I hardly even use my credit card so I have no idea how exactly they were able to steal my card number and set up these recurring drafts. This company have over 200 negative complaints on the BBB within the last 12 months. Total SCAMMERS!!!

I made a video about my experience on my YT channel: EclecticianG.

Yesterday, I wanted to change my Medicaid provider to CareSource and found the (*FALSE*) phone number, 1-888-910-5455, on a website that I thought was legit.

I called up and the man who answered said "CareSource". I told J that I wanted to switch their company. He asked a lot of questions, including WHY I wanted to switch and whether I had any NEW pre-existing conditions, to which I answered that my current Medicaid provider has all the info and I don't have anything new. He collected almost all of my personal data, including name, address, phone, SSN, b-day, and card info. He said he was signing me up with their PPO service as that would be more beneficial for me but, later, when I asked what the difference was between that and HMO, he claimed that there wasn't one (so why are there both, right?). He stated that there wouldn't be a deductible, but there would be co-pays. I asked why, since my current provider doesn't require co-pays, (if I were at a lower tier, the co-pay would be TINY compared to the numbers he gave), and he said he would look into getting that adjusted afterwards (never happened). That was the first red flag - anything involving an agreement should be handled before signing! He stated that, because I needed the switch to occur immediately, it would be in effect at midnight, but I would have to pay a transfer fee of $382.89, otherwise it wouldn't transfer until next year. (Later, I called the real Medicaid Hotline and told them about this, and they said an immediate transfer is not possible - it's always the first of next month - NOT next year!)
He sent me a link and asked me to go through, checkmark everything and submit the application. There were 3 check boxes and 4 files to view. I opened the 1st, which was a "joinder agreement" (he lied and claimed that was just the application), which was a limited partnership ("NALP") agreement that required me to work at least 500 hours online. I told him that and he again was trying to allay my concerns by lying that that wasn't what it was, but the wording was clear. I didn't look at the next one, which had 2 parts, but I looked at the third one, which was labeled "healthcare wrapper", and saw that that was for health insurance coverage for NALPs and employees. I told THAT to him, as well, and he continued to try to mislead me, and that no one had ever questioned it before, so I asked for his supervisor. A woman, M, got on the phone and tried to tell me that the purpose of those documents was for the application. When I informed her that the documents were not that, and I read snippets from it, she said that it was just so that we're aware of the relationship between the underwiter and CareSource, to which I responded that, no, it's a partnership agreement between me and IP, and it absolutely doesn't match what she was describing. She again tried to trick me, but I rebutted by pointing out that, if the purpose was only to inform us of the relationship between the underwriter and CS, then why did each checkbox say "I understand and agree to...", and there is absolutely no reason that patients need to see an agreement between the provider and the UL. She finally came around, though, I suppose because she realized I wasn't going to fall for her BS, and agreed that it was concerning. I pointed out that it was a legally binding document and if it were litigated in court, she and J would be called to the stand and be held liable for misleading patients. I told her that I wanted her to talk to their legal team and have that whole thing rewritten so that it reflected what she had said it was about, and that I wanted the legal team to contact me afterwards, and that all patients should be informed of the corrected documents and be able to agree to them. She sought to verify her understanding (more like wiggle out of it) and said that I wanted her to have the legal team save the recording of my call (which I hadn't asked for). I said that would be great and then further clarified what I wanted to happen. She then seemed to understand. The next screen after that showed a link to the program plan, which listed the initial and monthly fees but, whereas J had told me that I would pay the initial fee to make the switch immediate, it also showed I would be paying over $200/month after that. I told her I wanted to talk to J but I had a question first. I asked, verified my phone number, was put on hold, and she hung up. Later, I called back 3 times and was hung up on each time.

I had to cancel my card and file a fraud alert to protect my identity. DO NOT TRUST THESE PEOPLE!!!!

Honestly, I wasn't expecting much, but I'm happy so far. Signed up quick, and coverage works for what I need. No complaints.

I was scammed from the get go.....I was told my card would not be hit until I approved the policy.....you can not get a copy of the plan until you give them a card RED FLAG . as soon as I hung up waiting to review my plan my card was hit 200 more then I was told and policy was not what he said.. I tried and tried to call and of course no answer. i finally got a hold of someone and told them I wanted it cancelled and they assured me it was and I finally got ahold of the marketer and he said it was canceled.They have hit my card 3 times $820 each time and I was told it was canceled but when card was hit another lie about what I didn't do to cancel even though they said it was. I have seen they have several law suits against them for this.......Please run they are scammers. Im still waiting after months to talk to supervisor......all the emails have was gone????? I have my recordings thankfully from marketer phone call and ins reps from Innovative. I also told it would start immediately but reading the policy It would come effective a month later. I have never heard of this another reason it was to be cancelled.

Innovative Partners LP Health Insurance has engaged in misrepresentation and fraudulent practices. I am writing to share my disturbing experiences I had with them. I enrolled in their program on August 17, 2024. The representative assured me that I could see any Doctor and their coverage was comparable too or even better than Blue Cross Blue Shield. However, when I attempted to use my insurance, my doctor had never heard of innovative Partners despite verifying my ID number with innovative Partners representative the issue persisted. Upon requesting a list of network doctors, I contacted each provider, only to discover none had heard of innovative Partners and none had a business relationship with them either. Whenever you try calling this company they always put you on hold and never get back to you. They make it almost impossible to speak to someone and they make it hard for you to cancel your plan within the time frame. I tried to cancel within the time frame but they keep putting you on hold. I canceled with them and they still charged me. I tried calling them and they keep putting me on hold and hanging up on me. Innovative Partners are engaged in misleading, deceptive practices, and falsely advertising their network and coverage. I demand accountability for financial loss and emotional distress. Please investigate innovative Partners business practices, take appropriate action against the company, and provide guidance on my issue. I provided receipt transactions made from my account (400109 Innovative partners). I would like a full refund because I was lied too. . I had enrolled with this insurance on 08/17/2024 and was canceled on 09/18/2024. They told me that the insurance will officially close on 10/16/2024; this way they can try to charge me for another month. I see that many people have complained about this fraudulent company; they need to stop scamming people. Thank you for your attention on this matter.

I have been scammed for 625 dollars!! These are scammers guys! Don’t get fooled. I have been trying to get to their customer service and no response.

I signed up for this insurance company due to an unexpected turn of events. I’m very disappointed in them because I still haven’t received my insurance cards and it’s been over a month since I’ve been waiting. I was also told that I would receive paperwork and apparently they don’t seem to send that information either. I hope I receive my insurance cards soon or I will think about looking into another insurance company. I don’t understand why it’s taking such a long time. Especially since they said they would expedite it several times!

First and foremost, please DO NOT CONDUCT BUSINESS WITH THIS COMPANY. I needed medical insurance coverage and specifically asked for pharmacy coverage because I am diabetic. The representative gave me options and I went with Etna PPO at @500 per month. Right out of the gate our medical coverage we paid for (Etna) turned into coverage from an unknown insurance company called MultiPlan. I had a medical emergency within a few days after and drove to 4 different locations that were provided by Multiplan directly, no one accepted Multiplan, and I could not find an urgent care for half the day. I ended up paying out of pocket $198 to be seen at a local urgent care. As I stated I am a diabetic and require monthly medication. I came to realize this Multiplan insurance gave me zero pharmacy coverage. When I called Innovative Partners to inquire about pharmacy coverage, they sent me a discount card which did not cover anything regarding my prescriptions. I paid out of pocket $1,200. I would also like to address Innovative Partners customer service department. They are not helpful, not friendly and did not provide any support when I inquired about speaking to a manager. I also cancelled the plan and two days later innovative Partners billed me again. I then had to cancel my credit card and call Innovative Partners again to request a reimbursement.

I needed coverage asap as
I was finalizing my divorce. I’m
Disabled and have medical needs. I had them check every doctor I have and reassured me all took their plan.
I was told vision and dental were in my plan. My medications would be covered 80%
Not one thing they said is true or valid. Sent me a pharmacy card anyone can get and none of my prescriptions are on it.
I had an emergency appendectomy they rejected that. I now have many Medical bills and no medicines that I require on
A daily basis.
You would get 0 stars from me if was possible. Scammer of disabled and elderly.
I see your reply.
I’ve called many times. Your call center told me to get good rx! I would not recommend anyone be fooled by your company even based on your generic response to me. You have put me into debt based upon lies of your crooked sales people.

The customer service team was helpful. The wait time was a little longer than I expected but once I got someone on the phone they were able to answer my questions.

After I lost my Job I was offered a COBRA plan qt $1200 a month with a $4000 deductible! I was terrified to use my plan because honestly I wouldn't be able to afford the deductible if something were to happen to me. I ended up getting and Innovative Partners plan and I'll be honest I was really skeptical at first having read some good and bad reviews but honestly I am so happy I made the jump as I save over $700 a month now on my plan and I have no deductible.