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Health IQ Medicare Supplement Insurance Review

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Founded in 2014, Health IQ is an innovative health and life insurance company that helps healthy, active individuals find affordable insurance coverage from leading industry providers. Health IQ offers Medicare Supplement insurance from Mutual of Omaha, Cigna, Aetna, Americo, and others. Their agents shop the market and provide quotes and guidance throughout the enrollment process.
 
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How is Health IQ rated?

Breakdown

4.8/5
Level of Coverage
4.7/5
Services
4.6/5
Reputation and Customer Experience
4.5/5
Financial Strength

Overall Rating: 4.6 / 5 (Excellent)

Health IQ is a great option for Medicare Supplement insurance because the company has access to discounts that other brokers don't. For active and health-literate seniors, Health IQ can provide vastly reduced rates, up to 33%. All prospective customers have to do is take an online health assessment to prove their "health literacy." Health IQ’s agents will also shop the Health IQ special rates against the top carriers on the market to ensure that you get the best rate for your specific situation. Health IQ is available in Alabama, Florida, Illinois, Michigan, Mississippi, New Mexico, Nevada, and Oklahoma.

Health IQ Coverage

Level of Coverage - 4.8 / 5

Medicare Supplement insurance, also known as MediGap insurance, covers the "gaps" in Medicare Part A and B. Medicare Supplement plans help to cover these out-of-pocket costs that Traditional Medicare does not cover, such as deductibles, copays, and other related extra costs. Health IQ partners with a large network of insurance carriers and provides discounted rates for those with healthy lifestyles. In terms of Medicare Supplement plan types, plans offered will depend entirely on whichever carrier Health IQ offers to connect you with. It's a good idea to review the various plans below and discuss them with Health IQ representatives in order to find an insurance provider that has the plans that best suit your needs.

Plan Types

  • Plan A - It includes hospital copayment costs up to a year after Medicare benefits are exhausted, the first three pints of blood, Part B coinsurance including preventive care services after deductible, and hospice care.
  • Plan B - Offers the same amount of coverage as Plan A, with the addition of a hospital deductible in each benefit period.
  • Plan C - One of the most popular plans, it adds on a skilled nursing facility daily copay, the Part B annual deductible, and emergency care outside of the U.S.
  • Plan D - Though this includes most of the same benefits as plan C, it does not cover the Part B deductible.
  • Plan G - Covers almost every Medicare supplemental insurance benefit, with the exception of Part B's annual deductible.
  • Plan K - Covers half of: Part B co-insurance, first 3 pints of blood, hospital deductible, skilled nursing facility, and hospice care. It also covers all the co-insurance for Part B preventive care services.
  • Plan L - Just like Plan K, this covers all of your Part A & B copays after a certain amount out-of-pocket, and 75% of every benefit that Plan K covers (instead of 50%).
  • Plan M - Covers hospital copayments, 75% of Part B co-insurance, first 3 pints of blood, 50% of hospital deductible, skilled nursing facility, foreign emergency care, 100% Part B preventive care services post-deductible, and hospice care.
  • Plan N - Covers hospital copayments, Part B co-insurance except $20 for office visits & $50 for emergency visits, first 3 pints of blood, hospital deductible, SNF, foreign care, all of Part B co-insurance for preventive care, and hospice care.

Plan Types

Health IQ offers special Medicare Supplement rates for health- conscious seniors.

Health IQ Pricing

Services - 4.7 / 5

Pricing on Medicare Supplement plans varies by many factors, such as home address, plan selection, and age. Health IQ offers an unusual benefit that allows consumers to save money by demonstrating their "health literacy." Potential customers take a health assessment quiz to ascertain their level of health and health literacy. This will include questions about diet, habits, activity levels, etc. When they are finished, customers can save up to 26% depending on their lifestyle and level of health. Because of the emphasis on physical wellbeing during the application process, Health IQ has access to discounted rates many other agencies don't and can potentially save customers thousands of dollars during the course of their policy. But since Health IQ is a marketplace, further discounts will depend on whichever carrier you wish to pair with.

Cost

Discounts
Paying in full
Multiple policies
Non-smokers

Health IQ Customer Experience

Reputation and Customer Experience - 4.6 / 5

Health IQ has received outstanding customer reviews on sites like Trustpilot.com, with clients praising their excellent service, affordable quotes, easy application process, and approachable team of knowledgeable professionals. Health IQ currently holds a Trustpilot score of 5 out of 5 (Excellent) and is a BBB accredited business with an A+ rating.

Support

  • Email
  • Toll-free number

Educational Resources

  • FAQs
  • Articles
  • Videos

Reviews

BBB Rating
A+
Trust Pilot Rating
4.8 out of 5
Date Collected
2020-01-21

Health IQ Financial Strength

Financial Strength - 4.5 / 5

Although Health IQ was founded in 2014, the company acts as a marketplace with special access to supplemental Medicare insurance carriers who give discounts to the health conscious as determined by Health IQ's assessment process. Therefore, when considering the financial strength of your policy it will depend entirely on whichever affiliate Health IQ selects for you during the application process. Some of the carriers Health IQ works with include Ameritas, Protective, and SBLI.

Year Founded

2014

Company Profile

Full Name
Health IQ Medicare Supplement Insurance
Company Website
https://www.healthiq.com/
Headquarters
2513 Charleston Rd #102, Mountain View, CA, 94043

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Customer Comments & Reviews

Loading Reviews ...
gwalker001
6/16/2021
I would like to have your representatives STOP calling me every two days or so with a different phone number. I have blocked so many of your numbers because I had said that I’m not interested right now I’m all set with my insurance for the moment so please have them stop calling ***-***- 4685

Top Rated
Our Partner
  • Limit out-of-pocket costs
  • 8 of 10 Medigap policies offered, depending on location
  • Managed healthcare solutions
  • National coverage
  • High deductible Plan F available in some states
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