Is Innovative Partners Health Insurance Legit? A Detailed Review

Selecting health insurance is a significant and costly decision in one’s life, requiring careful consideration to ensure optimal coverage without unnecessary expenses.

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

Amidst the plethora of health insurance providers, Innovative Partners has gained prominence.

Promoting affordable and comprehensive plans featuring a $0 copay and deductible, a straightforward fixed-rate schedule, and efficient administration, they assert partnerships with benefits brokers to present alternative options to large employers.

However, the question remains: do they truly live up to their claims, and how can one authenticate their legitimacy and reliability?

This article aims to assist in answering these queries by offering tips and guidelines to verify the authenticity of Innovative Partners Health Insurance.

Additionally, insights from customer reviews and feedback will be shared to provide firsthand experiences with their services.

Is Innovative Partners Health Insurance Legit?
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Background Information on Innovative Partners Health Insurance

Innovative Partners Health Insurance operates under the umbrella of Innovative Health Plans, LLC, a company established in 2019 and headquartered in Scottsdale, Arizona.

As per their official website, they clarify that they function as a health plan administrator rather than a direct health insurance provider.

Their collaborative approach involves working with licensed insurance carriers to deliver comprehensive health benefits solutions.

The offerings from Innovative Partners Health Insurance encompass two main plans:

  1. Innovative Health Plan:
    • A fixed indemnity plan that provides a predetermined payout for each covered service, irrespective of the actual cost.
    • Coverage extends to various services such as preventive care, office visits, urgent care, hospitalization, surgery, and more.
    • Additional benefits include access to telemedicine, prescription discounts, and participation in wellness programs.
  2. Innovative Health Savings Plan:
    • A health savings account (HSA) compatible plan that integrates a high deductible health plan (HDHP) with an HSA.
    • Covers the same range of services as the Innovative Health Plan but with lower premiums and higher deductibles.
    • Offers the advantage of saving funds in an HSA, which can be utilized for qualified medical expenses.

Both plans are explicitly designed as alternatives to major medical insurance and operate outside the regulatory framework of the Affordable Care Act (ACA).

Consequently, they are not obligated to adhere to ACA regulations, meaning they are not required to cover essential health benefits, pre-existing conditions, or preventive services.

It is important to note that these plans do not qualify as minimum essential coverage, potentially resulting in a tax penalty if an individual lacks an alternative form of health insurance.

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 well-designed and informative website, offering transparent and precise details regarding their coverage options, advantages, expenses, and contact information.

Additionally, they should actively manage responsive social media profiles to exhibit their commitment to customer service and uphold their reputation.

Explore their official website:, or check out their Facebook page:

Check their ratings and reviews

A credible health insurance provider should boast favorable evaluations and feedback from customers, industry professionals, and independent organizations.

Seek out ratings and reviews on platforms like Better Business Bureau, Trustpilot, Consumer Affairs, and Google.

Additionally, peruse customer testimonials and comments available on their official website and social media channels.

Also read: Is Health Sherpa Insurance Legit?

Check their licenses and accreditations

For a health insurance company to be considered legitimate, it must possess authentic licenses and accreditations granted by state and federal bodies overseeing the health insurance sector.

You can verify these credentials by visiting websites like the National Association of Insurance Commissioners, Centers for Medicare & Medicaid Services, and URAC.

Check their network and partners

For a health insurance company to be considered reputable, it should maintain an extensive and varied network of providers and partners, delivering high-quality and cost-effective care to its members.

You can assess their network and partners through their website or by reaching out to their customer service.

Additionally, you may inquire with your preferred healthcare providers to confirm whether they accept the company’s plans.

Compare their plans and prices

For a health insurance company to be considered legitimate, it should present competitive and reasonable plans and pricing reflective of the services and benefits offered.

You can conduct a comparison of their plans and prices with those of other health insurance companies using platforms like eHealth,, and HealthMarkets.

Additionally, you have the option to request a quote or consultation through their website or by contacting their customer service.

Read more: Is Stride Health Insurance Legit?

Innovative Partners Health Insurance Contact Information

Is Innovative Partners health insurance legit
Image courtesy (Reddit)

To get in touch with Innovative Partners Health Insurance, you have several options depending on your purpose and preference. Here are various ways to contact them:

  1. Website Visit:
    • Explore their plans, benefits, costs, and contact details at
  2. Social Media Engagement:
    • Follow them on Facebook for insights into customer service and reputation:
  3. Phone Communication:
    • Call their customer service using the phone number provided on your member ID card.
    • Log in to your secure member website for a specific phone number directing you to a representative familiar with your coverage.
  4. Email Correspondence:
  5. Postal Mail:
    • Send documents or payments to their address: 14785 Preston Rd Ste 675, Dallas, Texas, 75254, United States.
  6. Network and Provider Information:
    • Check their network and partners by visiting MultiPlan or Signature Partners websites.
    • For provider information, call the Provider Customer Service Line at 1-888-632-38622.

Pros and Cons 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 nuanced picture.

On a positive note, they offer cost-effective plans, and a substantial number of customers express satisfaction with the provided coverage.

The collaboration with benefits brokers and the establishment of a diverse healthcare provider network further enhances their attractiveness.

However, caution is warranted. Diverging from conventional insurance companies, Innovative Partners operates more as plan administrators.

This distinction implies a deviation from standard health insurance regulations, potentially impacting coverage and the handling of factors like pre-existing conditions.

Ultimately, if contemplating Innovative Partners, a prudent approach involves a thorough evaluation of the pros and cons.

Delve into reviews, compare their plans with alternatives, and ensure their methodology aligns with your specific healthcare requirements before making a commitment.

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