Is Innovative Partners Health Insurance Legit? A Complete Review

Determining the Legitimacy of Innovative Partners Health Insurance

Selecting health insurance is a significant and costly decision, demanding assurance that the chosen coverage meets your requirements without unnecessary expenses.

Identifying the legitimacy of a health insurance provider is crucial to avoid falling victim to scams or deceptive offers.

In recent times, Innovative Partners has gained prominence in the health insurance sector, boasting affordable and comprehensive plans featuring a $0 copay and deductible, a straightforward fixed-rate schedule, and efficient administration.

They assert collaborations with benefits brokers to present alternative options for substantial employers.

However, do their claims hold true? How can you authenticate the legitimacy and reliability of Innovative Partners?

In this article, I will help you answer these questions by providing you with some tips and guidelines on how to find out if Innovative Partners Health Insurance is legit. I will also share some customer reviews and feedback from people who have used their services.

Health Insurance Innovations (HII) has been involved in both positive and negative aspects of the insurance industry.
Health Insurance Innovations (HII) has been involved in both positive and negative aspects of the insurance industry: Photo source (Sapling)

Background Information on Innovative Partners Health Insurance

Innovative Partners Health Insurance operates as a trade name for Innovative Health Plans, LLC, a company established in 2019 and headquartered in Scottsdale, Arizona. As stated on their website, the organization functions not as a health insurance provider but as a health plan administrator collaborating with licensed insurance carriers to deliver health benefit solutions.

The offerings consist of two plan types:

  1. Innovative Health Plan:
    • A fixed indemnity plan that provides a predetermined amount for each covered service, independent of the actual cost.
    • Coverage encompasses preventive care, office visits, urgent care, hospitalization, surgery, and additional services.
    • Includes features such as telemedicine access, prescription discounts, and participation in wellness programs.
  2. Innovative Health Savings Plan:
    • A health savings account (HSA) compatible plan combining a high deductible health plan (HDHP) with an HSA.
    • Offers coverage for the same services as the Innovative Health Plan but with lower premiums and higher deductibles.
    • Enables individuals to save funds in an HSA for qualified medical expenses.

Both plans are positioned as alternatives to major medical insurance and operate outside the regulations of the Affordable Care Act (ACA).

Consequently, they are not obligated to cover essential health benefits, pre-existing conditions, or preventive services.

Additionally, they do not meet the criteria for minimum essential coverage, potentially resulting in a tax penalty for individuals lacking alternative health insurance coverage.

How to Find Out If Innovative Partners Health Insurance is Legit

Now that you have some basic information about Innovative Partners Health Insurance, how can you find out if they are legit or not?

Here are some steps that you can take to do your own research and verification:

Check their website and social media accounts.

A reputable health insurance provider ought to maintain a polished and educational online platform, offering transparent and precise details concerning their coverage options, advantages, expenses, and contact information.

Additionally, it is essential for them to possess dynamic and promptly responsive social media profiles that highlight their commitment to customer service and uphold their standing.

Feel free to explore their official website:, and check out their Facebook presence at

Check their ratings and reviews.

A reputable health insurance provider ought to receive favorable feedback and ratings from clients, experts in the field, and independent organizations.

To assess these, you may check various platforms like Better Business Bureau, Trustpilot, Consumer Affairs, and Google.

Additionally, perusing customer testimonials and comments on the company’s official website and social media channels can offer valuable insights.

Check their licenses and accreditations.

A reputable health insurance provider must possess legitimate licenses and accreditations granted by both state and federal bodies overseeing the health insurance sector.

To verify their credentials, you can refer to platforms like the National Association of Insurance Commissioners, Centers for Medicare & Medicaid Services, and URAC, where information about their licenses and accreditations is available.

Check their network and partners.

A genuine health insurance company needs a broad network of quality providers. Verify their network on their website or by calling customer service.

Confirm with your providers if they accept their plans. Affordable and quality care should be accessible.

Compare their plans and prices.

A genuine health insurance company must provide competitive and reasonable plans. Compare their prices on sites like eHealth,, and Health Markets.

Request a quote or consultation through their website or customer service.

Read more: Is Agile heath insurance legit?

Innovative Partners Health Insurance Contact Information

Contact Innovative Partners Health Insurance through various options:

  1. Visit for plan details, benefits, costs, and contact information.
  2. Follow them on Facebook at for updates on customer service and reputation.
  3. Call customer service using the number on your member ID card or find a specific representative on your secure member website.
  4. Email your questions or comments to
  5. Mail documents or payments to 14785 Preston Rd Ste 675, Dallas, Texas, 75254, USA.
  6. Explore providers accepting their plans through MultiPlan or Signature Partners’ websites, or call the Provider Customer Service Line at 1-888-632-38622.

Advantages & Disadvantages of Innovative Partners Health Insurance

Some of the pros and cons of Innovative Partners Health Insurance are:


They offer affordable and comprehensive plans that include $0 copay and deductible, a simple fixed-rate schedule, and quick and easy administration.

  • They partner with benefits brokers to bring alternative options to large employers.
  • They provide access to telemedicine, prescription discounts, and wellness programs.
  • They have a large and diverse network of providers and partners that offer quality and affordable care to their members.
  • They have positive ratings and reviews from customers, industry experts, and third-party organizations.


  • They are not a health insurance company, but rather a health plan administrator that works with licensed insurance carriers.
  • They are not subject to the ACA regulations and do not qualify as minimum essential coverage.
  • They do not have to cover essential health benefits, pre-existing conditions, or preventive services.
  • They may have to pay a tax penalty if they do not have another form of health insurance.
  • They may have some exclusions and limitations that they do not disclose upfront.

Wrapping Up

Is Innovative Partners Health Insurance a viable option? Well, it presents a somewhat varied picture.

On the positive side, they offer cost-effective plans, and numerous clients express satisfaction with the coverage offered.

The inclusion of benefits brokers and an extensive network of healthcare providers further enhances their attractiveness.

However, there are certain considerations to bear in mind. They deviate from the conventional insurance company model, functioning more as plan administrators.

Consequently, they don’t adhere to all the regulations governing regular health insurance companies, potentially impacting coverage and the handling of aspects like pre-existing conditions.

Leave a Comment