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Health IQ Review

Sunday, October 2nd

2022 Medicare Advantage Plan Reviews

Health IQ Review 1.5 Star Rating

Health IQ

1.5 Star Rating
  • More than 1000+ plans from well-known national carriers like Anthem and Humana
  • Quotes available only by speaking with a representative
  • "A+" rated and accredited by the BBB

Health IQ has only been around since 2013, and the company takes a novel approach to providing insurance: they believe that "health-conscious people deserve lower rates". Overall, their policies have lower premiums for people who are actively pursuing wellness, like yogis, vegans and runners. That might be a turn-off for those who aren't in the best shape, or who have medical conditions that prevent them from hitting the gym on a regular basis, but the cost savings can be significant if you fit their target profile.

Call For A Quote To Avoid Spam

To get started, enter your zip code and click on the "get my free quote" button. You'll be taken to a pop-up window asking for your name, email address and phone number: just be aware that the disclaimer at the bottom says you are consenting to being contacted by insurance agents if you provide this information. You'll have to call their toll-free number if you want to buy a policy without agreeing to those terms.

Transferred Several Times

And, don't think you can do an end run by putting in a fake phone number: the next pop-up will direct you to pick up the phone when an agent calls you. In other words, there's no way to get a quote on Medicare Advantage Plans through Health IQ without talking to a representative. When you make the call, you'll get a Health IQ rep who will take your initial information and then connect you with a licensed rep in your area. When we did this, we were bounced around to several people before getting someone who could quote a Medicare Advantage policy.

Best Medicare Advantage Plans

No Helpful Information From Company Reps

Theoretically speaking, that is. The representative we finally got was very curt, talked fast, and seemed in a hurry to get off the phone. He quickly rattled off that it would be a $0 premium policy and a bunch of other benefits. We had to ask which insurer it would be through and we were told "they're all the same". We weren't offered policies to choose from, different types of coverage, nothing. Compared with other brokers and referral services, Health IQ came up extremely short. This representative basically told us to call back when we had a Medicare number to provide. We're not even sure if their "health-conscious" approach is applied during the Medicare Advantage policy-writing process: we weren't asked any questions at all, let alone about our health or habits.

Good Reputation - Not Medicare-specific

Despite being newer to the insurance marketplace, Health IQ has established a good reputation for itself with the Better Business Bureau, enjoying both an "A+" rating and accreditation there. We spotted a few complaints from consumers regarding unwanted, frequent phone calls and other contact, but that seems to be par for the course with many insurance policy referral services. Over nearly 500 customer reviews provided on third-party sites, Health IQ had a solid 4.7 out of 5-star average, but most of them were for life insurance policies and not anything related to additional Medicare plans.

Use Health IQ For Life Insurance, Not Medicare

This was one of the worst experiences we had when trying to get a quote for Medicare Advantage Plans. They clearly are not Health IQ's bread-and-butter insurance product, and our experience with multiple customer representatives demonstrated that. This may be a great option for life insurance, but you'll definitely want to use a different referral platform or insurer if you want helpful, friendly customer service while looking for Medicare Advantage coverage.

Where Can You Find the Best Medicare Advantage Plans?

As your 65th birthday approaches, it's time to start sorting through your options with respect to Medicare health coverage. Those options include several add-on components, one of which is Medicare Advantage.

What are Medicare Advantage Plans? Essentially, they allow you to take your Part A and B coverage and transfer their management to a private insurance company - often with insurers you may have already used in the past, like UnitedHealthcare and Blue Cross Blue Shield. Although Advantage Plans come with some limitations - most require you to use in-network practitioners to maximize benefits, for example - they can be attractive for a number of reasons.

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Medicare Advantage Plan FAQ

Medicare Advantage Plans are a way of getting your Medicare Part A and Part B coverage through private companies approved by Medicare. These insurers have to follow specific rules in order to participate. These plans typically operate with an HMO or PPO structure, requiring you to use in-network providers for maximum benefits. Some customers appreciate getting their services bundled from an insurance company they already trust, often with extra benefits not found with Original Medicare.
If you have Medicare Part A and Part B, and there's a plan that is available where you live, you're eligible for Medicare Advantage. Bear in mind that Advantage policies are almost always network-based: if you live in another state during the year, your plan may not offer benefits in both places.
Yes! You can enroll in a Medicare Advantage plan either when you first sign up for Medicare A & B or during the yearly enrollment period from October 15 through December 7. Once you're enrolled in a plan, you can switch to a different one or back to Original Medicare from January 1 through March 31. There are also special enrollment periods for certain life events, like moving to a different address, losing your current coverage, or your contract not being renewed.
There are many differences between these two types of additional Medicare coverage. Medicare Supplement Plans, or Medigap, are designed to pay the out-of-pocket costs not paid by Medicare itself. These plans don't include prescription drugs, tend to have higher premiums than Advantage coverage, and you'll pay more if you don't enroll early on in your Medicare coverage. On the other hand, Medicare Advantage Plans are usually much lower in premiums and higher in out-of-pocket costs. Advantage policies often have prescription drug benefits. But, Medicare Advantage doesn't pay any of the costs that original Medicare doesn't cover. You can't be enrolled in both a Medigap plan and an Advantage plan at the same time.
That depends on the plan you select. However, one of the reasons Advantage plans are so attractive is because many of them do include dental, vision, or hearing benefits - or all three!
That also depends on the plan you choose. Almost every Medicare Advantage plan will still have out-of-pocket costs for prescriptions. When getting a quote, have your medications handy: many online quote platforms and insurance brokers will ask for the name and dosage, to provide you with an accurate estimate of what you'll spend for those specific prescriptions with a given Advantage policy.
Believe it or not, there are Medicare Advantage policies that have $0 monthly premiums. Of course, you get what you pay for - and if you want broader coverage and lower deductibles/out-of-pocket costs, your premiums will be higher.
That's a matter of preference. But, it can be helpful to start your search by using a website that offers quotes from multiple insurers, so that you can get a feel for what's available in your area. Many of these referring websites can walk you through the entire application process with any company you select, without pressuring you to choose one over another. On the other hand, if you already know which insurer you want - or maybe there's only one available where you live - there's nothing wrong with getting your plan right from the insurance company.
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Continued from above...

Think of it like an all-inclusive resort: you might give up some flexibility in exchange for knowing that everything is taken care of, from meals to entertainment, and you don't have to try and cobble together a plan for your perfect vacation. Similarly, Medicare Advantage bundles up a number of features, many times including prescription drug coverage and even dental/vision/hearing services, that otherwise you'd have to piece together on your own with separate standalone plans.

Medicare Advantage premiums vary by provider and by plan. It's possible to get a policy with $0 in monthly payments, but those tend to come with higher out-of-pocket costs like office visit copays and annual deductibles. It's also important to point out that you can't have an Advantage plan and a Medigap policy at the same time: you'll need to carefully consider your situation - anticipated health needs, your income and ability to pay monthly premiums vs. paying for hospitalizations and other major medical expenses, and so forth - to strategize which additional Medicare coverage you need and when.

There are two main approaches to buying a Medicare Advantage Plan: go directly to an insurance company or work with a broker. Buying your policy right from an insurer can feel more reliable, choosing a company you already know and trust, maybe even one that has been your healthcare insurance provider in the past. You can usually count on premium quotes to be the lowest possible for that particular company. However, going through a broker or a referral service doesn't necessarily mean you'll pay more - and you gain the advantage of getting policy quotes from multiple providers at once. No insurance company is going to tell you that you might get better coverage from a competitor!

Either route you choose, it's a good idea to do some research in advance: to familiarize yourself with the different Medicare Advantage Plans, their benefits and their average premium costs for someone in your demographic (age, gender, location, etc.). Otherwise you could find yourself feeling pressured to commit to a policy that might not be the best fit for your needs. There are many websites, offered both by brokers/referral services and by the insurance companies themselves, with helpful articles and tools to help you figure out what coverage is best suited to you. Also, be aware that in order to apply for any Medicare Advantage Plan, you'll need to have your Medicare number - so make sure you've taken the steps to enroll in Medicare before choosing your Advantage coverage.

TopConsumerReviews.com has reviewed and ranked the best Medicare Advantage Plans available today. We hope our in-depth evaluations save you some time and hassle - by providing the detailed information you need to select the best provider and plan for your coverage!

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